Home > The Spring Grove National Bank > Income and Expense
The Spring Grove National Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,503,000 | 6,457 |
| Total interest expense | $1,851,000 | 6,779 |
| Net interest income | $2,652,000 | 6,039 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $183,000 | 8,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 8,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,073 |
| Total noninterest expense | $1,908,000 | 6,208 |
| Salaries and employee benefits | $1,004,000 | 6,051 |
| Premises and equipment expense | $193,000 | 7,333 |
| Additional noninterest expense | $711,000 | 5,767 |
| Pre-tax net operating income | $913,000 | 6,355 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $247,000 | 6,693 |
| Income before extraordinary items | $675,000 | 6,149 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $675,000 | 6,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,245 |
| Cash dividends | $541,000 | 3,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $668,430 | 6,167 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,232,000 | 6,441 |
| Total interest expense | $1,609,000 | 6,583 |
| Net interest income | $2,623,000 | 6,224 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $207,000 | 8,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,005 |
| Total noninterest expense | $1,873,000 | 6,515 |
| Salaries and employee benefits | $964,000 | 6,270 |
| Premises and equipment expense | $196,000 | 7,517 |
| Additional noninterest expense | $713,000 | 6,227 |
| Pre-tax net operating income | $921,000 | 6,292 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $691,000 | 5,970 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $691,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,073 |
| Cash dividends | $531,000 | 3,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $691,000 | 6,030 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,450,000 | 6,365 |
| Total interest expense | $1,931,000 | 6,011 |
| Net interest income | $2,519,000 | 6,517 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $226,000 | 8,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 7,302 |
| Total noninterest expense | $1,869,000 | 6,702 |
| Salaries and employee benefits | $957,000 | 6,376 |
| Premises and equipment expense | $217,000 | 7,346 |
| Additional noninterest expense | $695,000 | 6,599 |
| Pre-tax net operating income | $876,000 | 6,449 |
| Securities gains (losses) | $-10,000 | 12,776 |
| Applicable income taxes | $202,000 | 7,571 |
| Income before extraordinary items | $664,000 | 6,324 |
| Extraordinary gains, net | $67,000 | 1,943 |
| Net income | $731,000 | 6,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $493,000 | 3,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $671,700 | 6,050 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,898,000 | 6,490 |
| Total interest expense | $2,485,000 | 6,024 |
| Net interest income | $2,413,000 | 6,764 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $149,000 | 10,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 9,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $1,903,000 | 6,646 |
| Salaries and employee benefits | $957,000 | 6,279 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $751,000 | 6,415 |
| Pre-tax net operating income | $659,000 | 7,331 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $138,000 | 8,935 |
| Income before extraordinary items | $539,000 | 7,009 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $539,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 7,168 |
| Cash dividends | $509,000 | 2,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $524,600 | 6,756 |
* 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.