Home > The Roslyn Savings Bank > Income and Expense

The Roslyn Savings Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$413,057,000	94
Total interest expense	$224,460,000	63
Net interest income	$188,597,000	130
Provision for loan and lease losses	$1,000,000	896
Total noninterest income	$22,116,000	325
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$6,821,000	207
Trading account gains and fees	$0	153
Additional Noninterest Income	$15,295,000	306
Total noninterest expense	$61,896,000	257
Salaries and employee benefits	$32,742,000	218
Premises and equipment expense	$11,263,000	191
Additional noninterest expense	$17,891,000	301
Pre-tax net operating income	$147,817,000	107
Securities gains (losses)	$12,713,000	88
Applicable income taxes	$47,832,000	113
Income before extraordinary items	$112,698,000	99
Extraordinary gains, net	$0	40
Net income	$112,698,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	3,129
Cash dividends	$20,881,000	189
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$103,798,900	99
2003-06-30 (YTD Data)		Rank
Total interest income	$285,473,000	95
Total interest expense	$152,135,000	64
Net interest income	$133,338,000	124
Provision for loan and lease losses	$1,000,000	638
Total noninterest income	$14,599,000	324
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$4,516,000	207
Trading account gains and fees	$0	150
Additional Noninterest Income	$10,083,000	313
Total noninterest expense	$40,218,000	259
Salaries and employee benefits	$20,852,000	236
Premises and equipment expense	$7,438,000	195
Additional noninterest expense	$11,928,000	300
Pre-tax net operating income	$106,719,000	99
Securities gains (losses)	$9,446,000	87
Applicable income taxes	$38,891,000	98
Income before extraordinary items	$77,274,000	95
Extraordinary gains, net	$0	30
Net income	$77,274,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	2,574
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$70,945,180	97
2003-03-31 (YTD Data)		Rank
Total interest income	$147,624,000	91
Total interest expense	$77,273,000	65
Net interest income	$70,351,000	125
Provision for loan and lease losses	$500,000	617
Total noninterest income	$6,994,000	335
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$2,132,000	218
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,862,000	321
Total noninterest expense	$21,918,000	242
Salaries and employee benefits	$11,149,000	214
Premises and equipment expense	$3,827,000	193
Additional noninterest expense	$6,942,000	267
Pre-tax net operating income	$54,927,000	95
Securities gains (losses)	$1,081,000	207
Applicable income taxes	$18,927,000	105
Income before extraordinary items	$37,081,000	103
Extraordinary gains, net	$0	21
Net income	$37,081,000	103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	2,131
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$36,367,540	93
2002-12-31 (YTD Data)		Rank
Total interest income	$581,016,000	97
Total interest expense	$316,718,000	68
Net interest income	$264,298,000	132
Provision for loan and lease losses	$3,000,000	547
Total noninterest income	$27,686,000	326
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$7,693,000	232
Trading account gains and fees	$0	153
Additional Noninterest Income	$19,993,000	300
Total noninterest expense	$95,885,000	231
Salaries and employee benefits	$51,552,000	194
Premises and equipment expense	$13,228,000	215
Additional noninterest expense	$31,105,000	264
Pre-tax net operating income	$193,099,000	102
Securities gains (losses)	$11,390,000	96
Applicable income taxes	$71,478,000	93
Income before extraordinary items	$133,011,000	101
Extraordinary gains, net	$0	70
Net income	$133,011,000	101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,916
Cash dividends	$7,150,000	458
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$125,607,500	99
2001-12-31 (YTD Data)		Rank
Total interest income	$537,801,000	119
Total interest expense	$340,357,000	99
Net interest income	$197,444,000	150
Provision for loan and lease losses	$850,000	1,422
Total noninterest income	$22,357,000	360
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$4,796,000	326
Trading account gains and fees	$0	177
Additional Noninterest Income	$17,561,000	315
Total noninterest expense	$77,261,000	262
Salaries and employee benefits	$45,557,000	197
Premises and equipment expense	$11,264,000	236
Additional noninterest expense	$20,440,000	353
Pre-tax net operating income	$141,690,000	120
Securities gains (losses)	$6,637,000	117
Applicable income taxes	$45,804,000	134
Income before extraordinary items	$102,523,000	120
Extraordinary gains, net	$-5,032,000	9,595
Net income	$97,491,000	124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$740,000	1,164
Cash dividends	$140,965,000	67
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$97,943,470	117
2000-12-31 (YTD Data)		Rank
Total interest income	$524,978,000	125
Total interest expense	$340,225,000	114
Net interest income	$184,753,000	157
Provision for loan and lease losses	$1,000,000	1,061
Total noninterest income	$26,851,000	311
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$3,396,000	397
Trading account gains and fees	$0	180
Additional Noninterest Income	$23,455,000	270
Total noninterest expense	$89,717,000	235
Salaries and employee benefits	$40,863,000	208
Premises and equipment expense	$11,241,000	223
Additional noninterest expense	$37,613,000	231
Pre-tax net operating income	$120,887,000	134
Securities gains (losses)	$-16,534,000	9,875
Applicable income taxes	$29,887,000	159
Income before extraordinary items	$74,466,000	140
Extraordinary gains, net	$0	38
Net income	$74,466,000	140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$631,000	1,048
Cash dividends	$186,518,000	53
Sale, conversion, retirement of capital stock, net	$68,786,000	9
Net operating income	$86,205,140	128
1999-12-31 (YTD Data)		Rank
Total interest income	$530,062,000	114
Total interest expense	$319,390,000	93
Net interest income	$210,672,000	139
Provision for loan and lease losses	$0	8,503
Total noninterest income	$29,983,000	310
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,703,000	503
Trading account gains and fees	$0	173
Additional Noninterest Income	$27,280,000	250
Total noninterest expense	$140,873,000	172
Salaries and employee benefits	$55,903,000	170
Premises and equipment expense	$10,149,000	245
Additional noninterest expense	$74,821,000	157
Pre-tax net operating income	$99,782,000	163
Securities gains (losses)	$1,981,000	139
Applicable income taxes	$44,266,000	140
Income before extraordinary items	$57,497,000	173
Extraordinary gains, net	$-4,236,000	10,220
Net income	$53,261,000	180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,770
Cash dividends	$213,288,000	52
Sale, conversion, retirement of capital stock, net	$15,048,000	43
Net operating income	$56,229,160	174
1998-12-31 (YTD Data)		Rank
Total interest income	$259,495,000	194
Total interest expense	$161,871,000	160
Net interest income	$97,624,000	224
Provision for loan and lease losses	$750,000	1,238
Total noninterest income	$16,109,000	426
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$1,124,000	1,123
Trading account gains and fees	$0	224
Additional Noninterest Income	$14,985,000	353
Total noninterest expense	$50,341,000	344
Salaries and employee benefits	$33,434,000	233
Premises and equipment expense	$4,292,000	513
Additional noninterest expense	$12,615,000	498
Pre-tax net operating income	$62,642,000	209
Securities gains (losses)	$4,039,000	144
Applicable income taxes	$21,766,000	214
Income before extraordinary items	$44,915,000	201
Extraordinary gains, net	$0	32
Net income	$44,915,000	202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$14,416,000	301
Sale, conversion, retirement of capital stock, net	$9,183,000	112
Net operating income	$42,208,870	203
1997-12-31 (YTD Data)		Rank
Total interest income	$225,106,000	220
Total interest expense	$130,853,000	196
Net interest income	$94,253,000	244
Provision for loan and lease losses	$600,000	1,510
Total noninterest income	$7,624,000	690
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$924,000	1,396
Trading account gains and fees	$0	239
Additional Noninterest Income	$6,700,000	523
Total noninterest expense	$50,245,000	331
Salaries and employee benefits	$26,765,000	266
Premises and equipment expense	$3,728,000	567
Additional noninterest expense	$19,752,000	339
Pre-tax net operating income	$51,032,000	231
Securities gains (losses)	$2,757,000	142
Applicable income taxes	$18,996,000	231
Income before extraordinary items	$34,793,000	230
Extraordinary gains, net	$0	44
Net income	$34,793,000	230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-109,000	10,725
Cash dividends	$7,238,000	470
Sale, conversion, retirement of capital stock, net	$116,097,000	10
Net operating income	$33,000,950	229
1996-12-31 (YTD Data)		Rank
Total interest income	$144,649,000	329
Total interest expense	$78,759,000	306
Net interest income	$65,890,000	354
Provision for loan and lease losses	$2,000,000	619
Total noninterest income	$7,842,000	692
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$880,000	1,524
Trading account gains and fees	$0	262
Additional Noninterest Income	$6,962,000	526
Total noninterest expense	$40,856,000	454
Salaries and employee benefits	$20,663,000	373
Premises and equipment expense	$4,378,000	518
Additional noninterest expense	$15,815,000	479
Pre-tax net operating income	$30,876,000	335
Securities gains (losses)	$-804,000	11,394
Applicable income taxes	$9,438,000	375
Income before extraordinary items	$20,634,000	333
Extraordinary gains, net	$0	53
Net income	$20,634,000	333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,030,000	572
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$21,188,760	320
1995-12-31 (YTD Data)		Rank
Total interest income	$112,745,000	411
Total interest expense	$59,092,000	384
Net interest income	$53,653,000	432
Provision for loan and lease losses	$7,460,000	237
Total noninterest income	$5,626,000	885
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$883,000	1,537
Trading account gains and fees	$0	522
Additional Noninterest Income	$4,743,000	684
Total noninterest expense	$31,139,000	570
Salaries and employee benefits	$15,691,000	475
Premises and equipment expense	$3,234,000	709
Additional noninterest expense	$12,214,000	593
Pre-tax net operating income	$20,680,000	474
Securities gains (losses)	$485,000	364
Applicable income taxes	$6,825,000	491
Income before extraordinary items	$14,340,000	456
Extraordinary gains, net	$0	65
Net income	$14,340,000	457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,377,000	516
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$14,010,200	458
1994-12-31 (YTD Data)		Rank
Total interest income	$95,951,000	421
Total interest expense	$40,237,000	424
Net interest income	$55,714,000	406
Provision for loan and lease losses	$0	9,146
Total noninterest income	$2,564,000	1,536
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$858,000	1,582
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,706,000	1,259
Total noninterest expense	$27,357,000	630
Salaries and employee benefits	$13,268,000	557
Premises and equipment expense	$2,818,000	797
Additional noninterest expense	$11,271,000	635
Pre-tax net operating income	$30,921,000	323
Securities gains (losses)	$53,000	1,120
Applicable income taxes	$9,823,000	346
Income before extraordinary items	$21,151,000	310
Extraordinary gains, net	$0	249
Net income	$21,151,000	310
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	11,414
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$21,114,960	313
1993-12-31 (YTD Data)		Rank
Total interest income	$94,905,000	412
Total interest expense	$39,635,000	425
Net interest income	$55,270,000	407
Provision for loan and lease losses	$5,800,000	397
Total noninterest income	$2,070,000	1,930
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$994,000	1,356
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,076,000	1,937
Total noninterest expense	$26,016,000	685
Salaries and employee benefits	$12,462,000	587
Premises and equipment expense	$2,467,000	903
Additional noninterest expense	$11,087,000	705
Pre-tax net operating income	$25,524,000	333
Securities gains (losses)	$4,666,000	158
Applicable income taxes	$11,204,000	284
Income before extraordinary items	$18,986,000	322
Extraordinary gains, net	$5,959,000	51
Net income	$24,945,000	283
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,545,000	384
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$15,999,760	348
1992-12-31 (YTD Data)		Rank
Total interest income	$100,764,000	435
Total interest expense	$46,902,000	459
Net interest income	$53,862,000	420
Provision for loan and lease losses	$7,775,000	443
Total noninterest income	$1,343,000	2,607
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$603,000	2,277
Trading account gains and fees	$0	504
Additional Noninterest Income	$740,000	2,425
Total noninterest expense	$19,572,000	863
Salaries and employee benefits	$10,069,000	697
Premises and equipment expense	$2,079,000	1,082
Additional noninterest expense	$7,424,000	974
Pre-tax net operating income	$27,858,000	266
Securities gains (losses)	$-139,000	13,822
Applicable income taxes	$12,403,000	227
Income before extraordinary items	$15,316,000	339
Extraordinary gains, net	$0	1,422
Net income	$15,316,000	342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,811,000	474
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$15,404,960	302

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.