Home > Jefferson Savings Bank > Income and Expense
Jefferson Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,891,000 | 5,891 |
| Total interest expense | $2,933,000 | 4,818 |
| Net interest income | $1,958,000 | 7,003 |
| Provision for loan and lease losses | $206,000 | 3,376 |
| Total noninterest income | $391,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $391,000 | 3,325 |
| Total noninterest expense | $1,775,000 | 6,125 |
| Salaries and employee benefits | $677,000 | 7,453 |
| Premises and equipment expense | $296,000 | 5,484 |
| Additional noninterest expense | $802,000 | 4,715 |
| Pre-tax net operating income | $368,000 | 8,620 |
| Securities gains (losses) | $66,000 | 1,184 |
| Applicable income taxes | $162,000 | 7,431 |
| Income before extraordinary items | $272,000 | 8,586 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $272,000 | 8,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $229,760 | 8,879 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,246,000 | 5,726 |
| Total interest expense | $2,987,000 | 4,803 |
| Net interest income | $2,259,000 | 6,641 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $455,000 | 5,503 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $455,000 | 3,119 |
| Total noninterest expense | $2,627,000 | 4,815 |
| Salaries and employee benefits | $878,000 | 6,571 |
| Premises and equipment expense | $310,000 | 5,456 |
| Additional noninterest expense | $1,439,000 | 3,236 |
| Pre-tax net operating income | $51,000 | 10,591 |
| Securities gains (losses) | $-31,000 | 10,869 |
| Applicable income taxes | $-615,000 | 11,365 |
| Income before extraordinary items | $635,000 | 6,066 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $635,000 | 6,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $666,000 | 5,859 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,763,000 | 5,378 |
| Total interest expense | $3,524,000 | 4,126 |
| Net interest income | $2,239,000 | 6,798 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $389,000 | 6,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $389,000 | 3,362 |
| Total noninterest expense | $2,203,000 | 5,549 |
| Salaries and employee benefits | $870,000 | 6,709 |
| Premises and equipment expense | $364,000 | 4,892 |
| Additional noninterest expense | $969,000 | 4,478 |
| Pre-tax net operating income | $389,000 | 9,139 |
| Securities gains (losses) | $116,000 | 895 |
| Applicable income taxes | $172,000 | 7,892 |
| Income before extraordinary items | $333,000 | 8,629 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $333,000 | 8,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,429 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $256,440 | 9,332 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,203,000 | 5,484 |
| Total interest expense | $2,798,000 | 4,206 |
| Net interest income | $2,405,000 | 6,654 |
| Provision for loan and lease losses | $37,000 | 6,726 |
| Total noninterest income | $424,000 | 5,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $424,000 | 3,288 |
| Total noninterest expense | $2,520,000 | 5,123 |
| Salaries and employee benefits | $1,046,000 | 5,870 |
| Premises and equipment expense | $409,000 | 4,501 |
| Additional noninterest expense | $1,065,000 | 4,472 |
| Pre-tax net operating income | $272,000 | 10,327 |
| Securities gains (losses) | $92,000 | 806 |
| Applicable income taxes | $143,000 | 8,451 |
| Income before extraordinary items | $221,000 | 10,024 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $221,000 | 10,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 628 |
| Net operating income | $162,120 | 10,723 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,160,000 | 5,617 |
| Total interest expense | $2,944,000 | 4,173 |
| Net interest income | $2,216,000 | 7,142 |
| Provision for loan and lease losses | $84,000 | 6,228 |
| Total noninterest income | $515,000 | 5,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $515,000 | 3,207 |
| Total noninterest expense | $2,250,000 | 5,760 |
| Salaries and employee benefits | $994,000 | 6,168 |
| Premises and equipment expense | $376,000 | 4,957 |
| Additional noninterest expense | $880,000 | 5,474 |
| Pre-tax net operating income | $397,000 | 9,433 |
| Securities gains (losses) | $1,067,000 | 518 |
| Applicable income taxes | $429,000 | 4,748 |
| Income before extraordinary items | $1,035,000 | 4,571 |
| Extraordinary gains, net | $72,000 | 1,888 |
| Net income | $1,107,000 | 4,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 774 |
| Net operating income | $277,430 | 9,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,050,000 | 5,450 |
| Total interest expense | $4,006,000 | 4,072 |
| Net interest income | $2,044,000 | 7,637 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $712,000 | 4,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $712,000 | 2,507 |
| Total noninterest expense | $3,048,000 | 4,463 |
| Salaries and employee benefits | $924,000 | 6,486 |
| Premises and equipment expense | $382,000 | 4,972 |
| Additional noninterest expense | $1,742,000 | 3,141 |
| Pre-tax net operating income | $-370,000 | 13,218 |
| Securities gains (losses) | $527,000 | 1,045 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $157,000 | 11,181 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $157,000 | 11,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-370,000 | 13,200 |
* 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.