Home > Wayne Savings Bank, F.S.B. > Income and Expense
Wayne Savings Bank, F.S.B., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,625,000 | 1,777 |
| Total interest expense | $10,380,000 | 1,497 |
| Net interest income | $8,245,000 | 2,112 |
| Provision for loan and lease losses | $400,000 | 2,088 |
| Total noninterest income | $1,016,000 | 3,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,016,000 | 1,714 |
| Total noninterest expense | $5,672,000 | 2,273 |
| Salaries and employee benefits | $3,051,000 | 2,168 |
| Premises and equipment expense | $1,082,000 | 1,832 |
| Additional noninterest expense | $1,539,000 | 2,672 |
| Pre-tax net operating income | $3,189,000 | 2,358 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $1,213,000 | 2,061 |
| Income before extraordinary items | $1,974,000 | 2,617 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,974,000 | 2,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,975,280 | 2,568 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,359,000 | 2,195 |
| Total interest expense | $8,295,000 | 1,894 |
| Net interest income | $7,064,000 | 2,512 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $685,000 | 4,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $685,000 | 2,335 |
| Total noninterest expense | $6,712,000 | 2,071 |
| Salaries and employee benefits | $3,123,000 | 2,135 |
| Premises and equipment expense | $938,000 | 2,126 |
| Additional noninterest expense | $2,651,000 | 1,922 |
| Pre-tax net operating income | $837,000 | 6,341 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $313,000 | 5,701 |
| Income before extraordinary items | $524,000 | 6,737 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $524,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 935 |
| Net operating income | $524,000 | 6,683 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,032,000 | 2,563 |
| Total interest expense | $6,950,000 | 2,248 |
| Net interest income | $6,082,000 | 2,921 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $372,000 | 6,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $372,000 | 3,471 |
| Total noninterest expense | $4,412,000 | 3,044 |
| Salaries and employee benefits | $2,167,000 | 3,075 |
| Premises and equipment expense | $878,000 | 2,282 |
| Additional noninterest expense | $1,367,000 | 3,338 |
| Pre-tax net operating income | $1,742,000 | 3,952 |
| Securities gains (losses) | $-363,000 | 11,773 |
| Applicable income taxes | $509,000 | 4,145 |
| Income before extraordinary items | $870,000 | 5,121 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $870,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,855 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,102,320 | 4,224 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,769,000 | 2,579 |
| Total interest expense | $5,173,000 | 2,384 |
| Net interest income | $6,596,000 | 2,745 |
| Provision for loan and lease losses | $425,000 | 1,738 |
| Total noninterest income | $231,000 | 8,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $231,000 | 4,808 |
| Total noninterest expense | $4,022,000 | 3,411 |
| Salaries and employee benefits | $2,035,000 | 3,231 |
| Premises and equipment expense | $829,000 | 2,450 |
| Additional noninterest expense | $1,158,000 | 4,185 |
| Pre-tax net operating income | $2,380,000 | 2,964 |
| Securities gains (losses) | $270,000 | 409 |
| Applicable income taxes | $961,000 | 2,324 |
| Income before extraordinary items | $1,689,000 | 2,863 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,689,000 | 2,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,516,200 | 3,164 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,527,000 | 2,462 |
| Total interest expense | $5,752,000 | 2,256 |
| Net interest income | $6,775,000 | 2,656 |
| Provision for loan and lease losses | $348,000 | 2,728 |
| Total noninterest income | $312,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $312,000 | 4,360 |
| Total noninterest expense | $3,804,000 | 3,644 |
| Salaries and employee benefits | $1,913,000 | 3,408 |
| Premises and equipment expense | $737,000 | 2,745 |
| Additional noninterest expense | $1,154,000 | 4,339 |
| Pre-tax net operating income | $2,935,000 | 2,338 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $741,000 | 2,942 |
| Income before extraordinary items | $2,191,000 | 2,280 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,191,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,193,250 | 2,146 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,883,000 | 2,539 |
| Total interest expense | $7,921,000 | 2,151 |
| Net interest income | $5,962,000 | 3,063 |
| Provision for loan and lease losses | $446,000 | 3,241 |
| Total noninterest income | $592,000 | 5,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $592,000 | 2,840 |
| Total noninterest expense | $3,707,000 | 3,732 |
| Salaries and employee benefits | $1,767,000 | 3,619 |
| Premises and equipment expense | $677,000 | 3,008 |
| Additional noninterest expense | $1,263,000 | 4,144 |
| Pre-tax net operating income | $2,401,000 | 2,598 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $901,000 | 2,320 |
| Income before extraordinary items | $1,500,000 | 3,084 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,500,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,500,000 | 2,846 |
* 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.