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Schenectady Federal Savings Bank, Changes in Bank Equity Capital
| 1998-12-31 | Rank | |
| Amended balance at previous year-end | $18,987,000 | 2,138 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $1,249,000 | 3,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 140 |
| Cash dividends declared on common stock | $0 | 7,433 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $20,502,000 | 2,206 |
| 1997-12-31 | Rank | |
| Amended balance at previous year-end | $17,808,000 | 2,223 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $990,000 | 4,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 167 |
| Cash dividends declared on common stock | $0 | 7,816 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $18,987,000 | 2,357 |
| 1996-12-31 | Rank | |
| Amended balance at previous year-end | $18,018,000 | 2,261 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $663,000 | 5,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $0 | 8,271 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $17,808,000 | 2,523 |
| 1995-12-31 | Rank | |
| Amended balance at previous year-end | $10,158,000 | 3,737 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $724,000 | 5,843 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $0 | 8,644 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $17,030,000 | 2,622 |
| 1994-12-31 | Rank | |
| Amended balance at previous year-end | $9,647,000 | 3,979 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $511,000 | 7,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 211 |
| Cash dividends declared on common stock | $0 | 8,856 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $10,046,000 | 4,024 |
| 1993-12-31 | Rank | |
| Amended balance at previous year-end | $9,241,000 | 3,949 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $406,000 | 8,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 217 |
| Cash dividends declared on common stock | $0 | 9,002 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $9,642,000 | 4,232 |
| 1992-12-31 | Rank | |
| Amended balance at previous year-end | $8,881,000 | 3,913 |
| Restatements from amended reports of income, net | NA | NA |
| Net income | $360,000 | 8,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | NA | NA |
| Cash dividends declared on preferred stock | $0 | 200 |
| Cash dividends declared on common stock | $0 | 8,837 |
| Other comprehensive income | NA | NA |
| Other transactions with parent holding company | NA | NA |
| Bank equity capital | $9,229,000 | 4,193 |