Home > The Strongsville Savings Bank > Income and Expense
The Strongsville Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $45,620,000 | 735 |
| Total interest expense | $28,736,000 | 596 |
| Net interest income | $16,884,000 | 999 |
| Provision for loan and lease losses | $710,000 | 1,296 |
| Total noninterest income | $3,648,000 | 1,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,648,000 | 797 |
| Total noninterest expense | $9,438,000 | 1,395 |
| Salaries and employee benefits | $3,781,000 | 1,751 |
| Premises and equipment expense | $2,075,000 | 933 |
| Additional noninterest expense | $3,582,000 | 1,245 |
| Pre-tax net operating income | $10,384,000 | 752 |
| Securities gains (losses) | $421,000 | 624 |
| Applicable income taxes | $3,431,000 | 776 |
| Income before extraordinary items | $7,374,000 | 757 |
| Extraordinary gains, net | $117,000 | 16 |
| Net income | $7,491,000 | 747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,164 |
| Cash dividends | $970,000 | 2,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,087,720 | 751 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $44,634,000 | 773 |
| Total interest expense | $28,255,000 | 605 |
| Net interest income | $16,379,000 | 1,075 |
| Provision for loan and lease losses | $377,000 | 2,188 |
| Total noninterest income | $2,085,000 | 1,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,085,000 | 1,070 |
| Total noninterest expense | $9,151,000 | 1,434 |
| Salaries and employee benefits | $4,056,000 | 1,619 |
| Premises and equipment expense | $1,943,000 | 1,020 |
| Additional noninterest expense | $3,152,000 | 1,374 |
| Pre-tax net operating income | $8,936,000 | 904 |
| Securities gains (losses) | $448,000 | 451 |
| Applicable income taxes | $3,208,000 | 877 |
| Income before extraordinary items | $6,176,000 | 896 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,176,000 | 898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $2,180,000 | 1,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,880,320 | 913 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $39,671,000 | 885 |
| Total interest expense | $24,493,000 | 714 |
| Net interest income | $15,178,000 | 1,190 |
| Provision for loan and lease losses | $306,000 | 2,528 |
| Total noninterest income | $1,755,000 | 2,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,755,000 | 1,264 |
| Total noninterest expense | $11,933,000 | 1,211 |
| Salaries and employee benefits | $3,716,000 | 1,779 |
| Premises and equipment expense | $1,911,000 | 1,097 |
| Additional noninterest expense | $6,306,000 | 956 |
| Pre-tax net operating income | $4,694,000 | 1,550 |
| Securities gains (losses) | $795,000 | 310 |
| Applicable income taxes | $1,941,000 | 1,270 |
| Income before extraordinary items | $3,548,000 | 1,394 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,548,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $1,194,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,031,250 | 1,612 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $35,261,000 | 1,006 |
| Total interest expense | $21,345,000 | 835 |
| Net interest income | $13,916,000 | 1,297 |
| Provision for loan and lease losses | $237,000 | 2,716 |
| Total noninterest income | $1,301,000 | 2,542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,301,000 | 1,507 |
| Total noninterest expense | $8,631,000 | 1,639 |
| Salaries and employee benefits | $3,487,000 | 1,899 |
| Premises and equipment expense | $1,715,000 | 1,215 |
| Additional noninterest expense | $3,429,000 | 1,505 |
| Pre-tax net operating income | $6,349,000 | 1,205 |
| Securities gains (losses) | $908,000 | 238 |
| Applicable income taxes | $2,540,000 | 1,031 |
| Income before extraordinary items | $4,717,000 | 1,123 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,717,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $1,013,000 | 1,994 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,126,800 | 1,258 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $27,020,000 | 1,159 |
| Total interest expense | $14,116,000 | 955 |
| Net interest income | $12,904,000 | 1,385 |
| Provision for loan and lease losses | $93,000 | 4,720 |
| Total noninterest income | $1,307,000 | 2,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,307,000 | 1,534 |
| Total noninterest expense | $7,419,000 | 1,935 |
| Salaries and employee benefits | $2,935,000 | 2,278 |
| Premises and equipment expense | $1,377,000 | 1,513 |
| Additional noninterest expense | $3,107,000 | 1,749 |
| Pre-tax net operating income | $6,699,000 | 1,132 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $2,327,000 | 1,055 |
| Income before extraordinary items | $4,409,000 | 1,155 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,409,000 | 1,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $796,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,384,950 | 1,170 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,556,000 | 1,348 |
| Total interest expense | $11,822,000 | 1,148 |
| Net interest income | $11,734,000 | 1,535 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $1,172,000 | 2,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,172,000 | 1,839 |
| Total noninterest expense | $6,150,000 | 2,335 |
| Salaries and employee benefits | $2,380,000 | 2,773 |
| Premises and equipment expense | $1,232,000 | 1,701 |
| Additional noninterest expense | $2,538,000 | 2,201 |
| Pre-tax net operating income | $6,684,000 | 1,056 |
| Securities gains (losses) | $1,798,000 | 350 |
| Applicable income taxes | $2,913,000 | 881 |
| Income before extraordinary items | $5,569,000 | 932 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $5,569,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 12,622 |
| Cash dividends | $579,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $7,608,000 | 149 |
| Net operating income | $4,382,320 | 1,095 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $23,689,000 | 1,535 |
| Total interest expense | $13,583,000 | 1,301 |
| Net interest income | $10,106,000 | 1,811 |
| Provision for loan and lease losses | $239,000 | 4,759 |
| Total noninterest income | $2,500,000 | 1,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,500,000 | 1,081 |
| Total noninterest expense | $5,760,000 | 2,511 |
| Salaries and employee benefits | $2,130,000 | 3,031 |
| Premises and equipment expense | $856,000 | 2,409 |
| Additional noninterest expense | $2,774,000 | 2,126 |
| Pre-tax net operating income | $6,607,000 | 981 |
| Securities gains (losses) | $441,000 | 1,187 |
| Applicable income taxes | $2,472,000 | 944 |
| Income before extraordinary items | $4,576,000 | 1,037 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,576,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 5,927 |
| Cash dividends | $490,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,289,350 | 1,009 |
* 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.