Home > Vanguard Savings and Loan Association > Income and Expense
Vanguard Savings and Loan Association, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,244,000 | 9,346 |
| Total interest expense | $1,169,000 | 8,688 |
| Net interest income | $1,075,000 | 9,701 |
| Provision for loan and lease losses | $62,000 | 5,662 |
| Total noninterest income | $64,000 | 11,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $64,000 | 8,581 |
| Total noninterest expense | $930,000 | 9,256 |
| Salaries and employee benefits | $468,000 | 9,380 |
| Premises and equipment expense | $127,000 | 8,867 |
| Additional noninterest expense | $335,000 | 8,857 |
| Pre-tax net operating income | $147,000 | 10,792 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $67,000 | 11,190 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $67,000 | 11,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $59,320 | 11,209 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 9,659 |
| Total interest expense | $905,000 | 9,112 |
| Net interest income | $1,172,000 | 9,834 |
| Provision for loan and lease losses | $74,000 | 5,218 |
| Total noninterest income | $73,000 | 11,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $656,000 | 10,888 |
| Salaries and employee benefits | $347,000 | 10,772 |
| Premises and equipment expense | $101,000 | 9,993 |
| Additional noninterest expense | $208,000 | 11,044 |
| Pre-tax net operating income | $515,000 | 8,557 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $224,000 | 6,953 |
| Income before extraordinary items | $291,000 | 9,243 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $291,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,022 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $291,000 | 9,311 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,168,000 | 9,852 |
| Total interest expense | $946,000 | 9,350 |
| Net interest income | $1,222,000 | 10,000 |
| Provision for loan and lease losses | $64,000 | 6,841 |
| Total noninterest income | $75,000 | 11,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $75,000 | 8,845 |
| Total noninterest expense | $563,000 | 11,836 |
| Salaries and employee benefits | $308,000 | 11,565 |
| Premises and equipment expense | $92,000 | 10,712 |
| Additional noninterest expense | $163,000 | 12,242 |
| Pre-tax net operating income | $670,000 | 7,517 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $251,000 | 6,774 |
| Income before extraordinary items | $419,000 | 8,246 |
| Extraordinary gains, net | $9,000 | 2,969 |
| Net income | $428,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $419,000 | 7,973 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 10,753 |
| Total interest expense | $1,083,000 | 10,046 |
| Net interest income | $987,000 | 11,147 |
| Provision for loan and lease losses | $41,000 | 9,446 |
| Total noninterest income | $74,000 | 12,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $74,000 | 9,109 |
| Total noninterest expense | $509,000 | 12,588 |
| Salaries and employee benefits | $271,000 | 12,343 |
| Premises and equipment expense | $90,000 | 11,109 |
| Additional noninterest expense | $148,000 | 12,985 |
| Pre-tax net operating income | $511,000 | 8,330 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $228,000 | 7,031 |
| Income before extraordinary items | $283,000 | 9,508 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $283,000 | 9,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 8,210 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $283,000 | 9,134 |
* 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.