Home > Catskill Savings Bank > Income and Expense
Catskill Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,661,000 | 1,511 |
| Total interest expense | $11,066,000 | 1,352 |
| Net interest income | $10,595,000 | 1,643 |
| Provision for loan and lease losses | $195,000 | 3,609 |
| Total noninterest income | $1,182,000 | 2,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,182,000 | 1,664 |
| Total noninterest expense | $5,991,000 | 2,281 |
| Salaries and employee benefits | $3,693,000 | 1,888 |
| Premises and equipment expense | $647,000 | 3,073 |
| Additional noninterest expense | $1,651,000 | 2,614 |
| Pre-tax net operating income | $5,591,000 | 1,364 |
| Securities gains (losses) | $-159,000 | 10,013 |
| Applicable income taxes | $1,251,000 | 1,848 |
| Income before extraordinary items | $4,181,000 | 1,297 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,181,000 | 1,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,236 |
| Cash dividends | $9,000,000 | 429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,303,430 | 1,246 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,980,000 | 1,539 |
| Total interest expense | $10,383,000 | 1,469 |
| Net interest income | $10,597,000 | 1,602 |
| Provision for loan and lease losses | $170,000 | 3,903 |
| Total noninterest income | $636,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $636,000 | 2,550 |
| Total noninterest expense | $5,490,000 | 2,389 |
| Salaries and employee benefits | $3,496,000 | 1,902 |
| Premises and equipment expense | $537,000 | 3,496 |
| Additional noninterest expense | $1,457,000 | 2,855 |
| Pre-tax net operating income | $5,573,000 | 1,345 |
| Securities gains (losses) | $38,000 | 1,949 |
| Applicable income taxes | $1,879,000 | 1,340 |
| Income before extraordinary items | $3,732,000 | 1,416 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,732,000 | 1,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,910 |
| Cash dividends | $8,000,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,706,540 | 1,365 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,201,000 | 1,630 |
| Total interest expense | $9,369,000 | 1,653 |
| Net interest income | $10,832,000 | 1,595 |
| Provision for loan and lease losses | $279,000 | 2,772 |
| Total noninterest income | $535,000 | 4,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $535,000 | 2,689 |
| Total noninterest expense | $5,254,000 | 2,455 |
| Salaries and employee benefits | $3,355,000 | 1,959 |
| Premises and equipment expense | $615,000 | 3,075 |
| Additional noninterest expense | $1,284,000 | 3,143 |
| Pre-tax net operating income | $5,834,000 | 1,328 |
| Securities gains (losses) | $19,000 | 1,923 |
| Applicable income taxes | $2,287,000 | 1,180 |
| Income before extraordinary items | $3,566,000 | 1,509 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,566,000 | 1,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,431 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,553,840 | 1,475 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,681,000 | 1,806 |
| Total interest expense | $9,034,000 | 1,750 |
| Net interest income | $9,647,000 | 1,846 |
| Provision for loan and lease losses | $225,000 | 3,146 |
| Total noninterest income | $420,000 | 5,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $420,000 | 3,304 |
| Total noninterest expense | $3,649,000 | 3,633 |
| Salaries and employee benefits | $2,307,000 | 2,895 |
| Premises and equipment expense | $523,000 | 3,645 |
| Additional noninterest expense | $819,000 | 5,124 |
| Pre-tax net operating income | $6,193,000 | 1,176 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $2,465,000 | 1,027 |
| Income before extraordinary items | $3,731,000 | 1,332 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,731,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,761 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $22,765,000 | 27 |
| Net operating income | $3,729,080 | 1,300 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,811,000 | 2,129 |
| Total interest expense | $8,332,000 | 1,893 |
| Net interest income | $7,479,000 | 2,406 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $247,000 | 7,741 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $158,000 | 6,485 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $89,000 | 7,598 |
| Total noninterest expense | $4,701,000 | 2,868 |
| Salaries and employee benefits | $2,020,000 | 3,277 |
| Premises and equipment expense | $378,000 | 4,760 |
| Additional noninterest expense | $2,303,000 | 2,143 |
| Pre-tax net operating income | $2,845,000 | 2,536 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $1,127,000 | 2,142 |
| Income before extraordinary items | $1,688,000 | 2,917 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,688,000 | 2,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,862 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,707,200 | 2,846 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,172,000 | 2,050 |
| Total interest expense | $7,443,000 | 1,681 |
| Net interest income | $7,729,000 | 2,327 |
| Provision for loan and lease losses | $480,000 | 1,589 |
| Total noninterest income | $172,000 | 9,264 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $104,000 | 7,987 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $3,746,000 | 3,628 |
| Salaries and employee benefits | $1,765,000 | 3,689 |
| Premises and equipment expense | $406,000 | 4,532 |
| Additional noninterest expense | $1,575,000 | 3,167 |
| Pre-tax net operating income | $3,675,000 | 1,940 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $1,472,000 | 1,585 |
| Income before extraordinary items | $2,213,000 | 2,210 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,213,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,206,600 | 2,236 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,355,000 | 2,047 |
| Total interest expense | $7,901,000 | 1,665 |
| Net interest income | $7,454,000 | 2,402 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $171,000 | 9,796 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $95,000 | 8,525 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $3,624,000 | 3,796 |
| Salaries and employee benefits | $1,701,000 | 3,820 |
| Premises and equipment expense | $413,000 | 4,596 |
| Additional noninterest expense | $1,510,000 | 3,486 |
| Pre-tax net operating income | $3,581,000 | 1,905 |
| Securities gains (losses) | $109,000 | 2,375 |
| Applicable income taxes | $1,636,000 | 1,457 |
| Income before extraordinary items | $2,054,000 | 2,443 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,054,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,866 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,984,240 | 2,388 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,622,000 | 2,132 |
| Total interest expense | $9,538,000 | 1,793 |
| Net interest income | $7,084,000 | 2,560 |
| Provision for loan and lease losses | $470,000 | 3,134 |
| Total noninterest income | $178,000 | 9,865 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $73,000 | 9,449 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $3,384,000 | 4,056 |
| Salaries and employee benefits | $1,640,000 | 3,912 |
| Premises and equipment expense | $357,000 | 5,287 |
| Additional noninterest expense | $1,387,000 | 3,822 |
| Pre-tax net operating income | $3,408,000 | 1,819 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $1,547,000 | 1,419 |
| Income before extraordinary items | $1,925,000 | 2,375 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,925,000 | 2,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,884,040 | 2,253 |
* 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.