Home > Schenectady Federal Savings Bank > Income and Expense
Schenectady Federal Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,655,000 | 2,579 |
| Total interest expense | $7,056,000 | 2,147 |
| Net interest income | $5,599,000 | 3,071 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $598,000 | 4,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $598,000 | 2,656 |
| Total noninterest expense | $3,967,000 | 3,213 |
| Salaries and employee benefits | $2,434,000 | 2,793 |
| Premises and equipment expense | $804,000 | 2,440 |
| Additional noninterest expense | $729,000 | 4,998 |
| Pre-tax net operating income | $2,110,000 | 3,204 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $861,000 | 2,572 |
| Income before extraordinary items | $1,249,000 | 3,803 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,249,000 | 3,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 10,122 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,249,000 | 3,718 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,281,000 | 2,667 |
| Total interest expense | $6,842,000 | 2,209 |
| Net interest income | $5,439,000 | 3,208 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $487,000 | 5,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $487,000 | 2,876 |
| Total noninterest expense | $4,233,000 | 3,012 |
| Salaries and employee benefits | $2,689,000 | 2,468 |
| Premises and equipment expense | $794,000 | 2,443 |
| Additional noninterest expense | $750,000 | 4,962 |
| Pre-tax net operating income | $1,573,000 | 4,302 |
| Securities gains (losses) | $56,000 | 1,277 |
| Applicable income taxes | $639,000 | 3,497 |
| Income before extraordinary items | $990,000 | 4,742 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $990,000 | 4,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,150 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $954,160 | 4,805 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,790,000 | 2,800 |
| Total interest expense | $6,558,000 | 2,354 |
| Net interest income | $5,232,000 | 3,397 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $426,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $426,000 | 3,265 |
| Total noninterest expense | $5,101,000 | 2,675 |
| Salaries and employee benefits | $2,503,000 | 2,698 |
| Premises and equipment expense | $687,000 | 2,854 |
| Additional noninterest expense | $1,911,000 | 2,565 |
| Pre-tax net operating income | $437,000 | 8,290 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $-218,000 | 11,279 |
| Income before extraordinary items | $663,000 | 5,924 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $663,000 | 5,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $655,000 | 5,911 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,438,000 | 2,914 |
| Total interest expense | $6,473,000 | 2,400 |
| Net interest income | $4,965,000 | 3,565 |
| Provision for loan and lease losses | $370,000 | 1,967 |
| Total noninterest income | $345,000 | 6,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $3,948,000 | 3,364 |
| Salaries and employee benefits | $2,253,000 | 2,953 |
| Premises and equipment expense | $681,000 | 2,887 |
| Additional noninterest expense | $1,014,000 | 4,303 |
| Pre-tax net operating income | $992,000 | 6,031 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $268,000 | 6,400 |
| Income before extraordinary items | $724,000 | 5,846 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $724,000 | 5,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $657,000 | 1,164 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $724,000 | 5,826 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,767,000 | 3,093 |
| Total interest expense | $5,054,000 | 2,434 |
| Net interest income | $4,713,000 | 3,756 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $195,000 | 8,813 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $195,000 | 5,356 |
| Total noninterest expense | $4,069,000 | 3,375 |
| Salaries and employee benefits | $2,197,000 | 3,016 |
| Premises and equipment expense | $698,000 | 2,836 |
| Additional noninterest expense | $1,174,000 | 4,130 |
| Pre-tax net operating income | $719,000 | 7,288 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $215,000 | 7,096 |
| Income before extraordinary items | $511,000 | 7,227 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $511,000 | 7,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,622 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $506,100 | 7,294 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,679,000 | 3,193 |
| Total interest expense | $5,258,000 | 2,463 |
| Net interest income | $4,421,000 | 4,005 |
| Provision for loan and lease losses | $441,000 | 2,298 |
| Total noninterest income | $636,000 | 4,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $636,000 | 2,780 |
| Total noninterest expense | $4,200,000 | 3,334 |
| Salaries and employee benefits | $2,300,000 | 2,873 |
| Premises and equipment expense | $706,000 | 2,854 |
| Additional noninterest expense | $1,194,000 | 4,205 |
| Pre-tax net operating income | $416,000 | 9,286 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $14,000 | 11,735 |
| Income before extraordinary items | $406,000 | 8,366 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $406,000 | 8,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 2,077 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $402,120 | 8,136 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,161,000 | 3,143 |
| Total interest expense | $7,026,000 | 2,397 |
| Net interest income | $4,135,000 | 4,313 |
| Provision for loan and lease losses | $539,000 | 2,838 |
| Total noninterest income | $562,000 | 5,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $562,000 | 2,961 |
| Total noninterest expense | $3,796,000 | 3,663 |
| Salaries and employee benefits | $1,819,000 | 3,517 |
| Premises and equipment expense | $809,000 | 2,566 |
| Additional noninterest expense | $1,168,000 | 4,451 |
| Pre-tax net operating income | $362,000 | 9,565 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $4,000 | 12,540 |
| Income before extraordinary items | $360,000 | 8,616 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $360,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 3,430 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $358,020 | 8,270 |
* 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.