Home > US Community Savings Bank > Income and Expense
US Community Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,182,000 | 4,469 |
| Total interest expense | $4,728,000 | 3,160 |
| Net interest income | $2,454,000 | 6,272 |
| Provision for loan and lease losses | $268,000 | 2,823 |
| Total noninterest income | $142,000 | 9,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $142,000 | 6,132 |
| Total noninterest expense | $2,201,000 | 5,542 |
| Salaries and employee benefits | $883,000 | 6,542 |
| Premises and equipment expense | $473,000 | 3,949 |
| Additional noninterest expense | $845,000 | 4,983 |
| Pre-tax net operating income | $127,000 | 10,222 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $122,000 | 10,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $122,000 | 10,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $121,050 | 9,978 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,201,000 | 4,442 |
| Total interest expense | $5,327,000 | 2,863 |
| Net interest income | $1,874,000 | 7,591 |
| Provision for loan and lease losses | $303,000 | 2,257 |
| Total noninterest income | $39,000 | 11,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $39,000 | 9,762 |
| Total noninterest expense | $2,789,000 | 4,543 |
| Salaries and employee benefits | $955,000 | 6,273 |
| Premises and equipment expense | $474,000 | 3,924 |
| Additional noninterest expense | $1,360,000 | 3,356 |
| Pre-tax net operating income | $-1,179,000 | 11,887 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-352,000 | 11,850 |
| Income before extraordinary items | $-827,000 | 11,849 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-827,000 | 11,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 1,590 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-827,000 | 11,839 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,674,000 | 4,417 |
| Total interest expense | $4,044,000 | 3,016 |
| Net interest income | $2,630,000 | 6,215 |
| Provision for loan and lease losses | $542,000 | 1,443 |
| Total noninterest income | $276,000 | 7,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $276,000 | 4,334 |
| Total noninterest expense | $2,782,000 | 4,712 |
| Salaries and employee benefits | $1,072,000 | 5,765 |
| Premises and equipment expense | $519,000 | 3,679 |
| Additional noninterest expense | $1,191,000 | 4,080 |
| Pre-tax net operating income | $-418,000 | 12,356 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $-153,000 | 12,357 |
| Income before extraordinary items | $-262,000 | 12,253 |
| Extraordinary gains, net | $-174,000 | 12,555 |
| Net income | $-436,000 | 12,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-263,920 | 12,275 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,856,000 | 4,394 |
| Total interest expense | $3,806,000 | 3,308 |
| Net interest income | $3,050,000 | 5,579 |
| Provision for loan and lease losses | $737,000 | 1,603 |
| Total noninterest income | $139,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $139,000 | 6,809 |
| Total noninterest expense | $2,680,000 | 4,959 |
| Salaries and employee benefits | $1,084,000 | 5,724 |
| Premises and equipment expense | $523,000 | 3,715 |
| Additional noninterest expense | $1,073,000 | 4,638 |
| Pre-tax net operating income | $-228,000 | 12,717 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-17,000 | 12,817 |
| Income before extraordinary items | $-211,000 | 12,770 |
| Extraordinary gains, net | $324,000 | 661 |
| Net income | $113,000 | 11,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 5,430 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-211,000 | 12,688 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,071,000 | 4,259 |
| Total interest expense | $4,770,000 | 3,454 |
| Net interest income | $3,301,000 | 5,279 |
| Provision for loan and lease losses | $69,000 | 8,296 |
| Total noninterest income | $234,000 | 8,782 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $234,000 | 5,186 |
| Total noninterest expense | $2,546,000 | 5,224 |
| Salaries and employee benefits | $1,091,000 | 5,613 |
| Premises and equipment expense | $522,000 | 3,823 |
| Additional noninterest expense | $933,000 | 5,357 |
| Pre-tax net operating income | $920,000 | 5,992 |
| Securities gains (losses) | $261,000 | 1,667 |
| Applicable income taxes | $419,000 | 4,617 |
| Income before extraordinary items | $762,000 | 5,564 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $762,000 | 5,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $592,350 | 6,272 |
* 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.