Home > Bank of Lockport > Income and Expense
Bank of Lockport, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,463,000 | 4,255 |
| Total interest expense | $3,520,000 | 4,121 |
| Net interest income | $3,943,000 | 4,288 |
| Provision for loan and lease losses | $144,000 | 4,243 |
| Total noninterest income | $565,000 | 4,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 2,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,144 |
| Total noninterest expense | $3,243,000 | 3,852 |
| Salaries and employee benefits | $1,418,000 | 4,456 |
| Premises and equipment expense | $492,000 | 3,759 |
| Additional noninterest expense | $1,333,000 | 3,033 |
| Pre-tax net operating income | $1,121,000 | 5,459 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $406,000 | 4,840 |
| Income before extraordinary items | $718,000 | 5,831 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $718,000 | 5,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,386 |
| Cash dividends | $82,000 | 6,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $716,080 | 5,786 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,559,000 | 4,830 |
| Total interest expense | $3,031,000 | 4,744 |
| Net interest income | $3,528,000 | 4,798 |
| Provision for loan and lease losses | $184,000 | 3,596 |
| Total noninterest income | $533,000 | 4,947 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $408,000 | 3,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,477 |
| Total noninterest expense | $2,884,000 | 4,427 |
| Salaries and employee benefits | $1,278,000 | 4,915 |
| Premises and equipment expense | $446,000 | 4,140 |
| Additional noninterest expense | $1,160,000 | 3,894 |
| Pre-tax net operating income | $993,000 | 5,757 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $381,000 | 5,051 |
| Income before extraordinary items | $612,000 | 6,198 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $612,000 | 6,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $422,000 | 3,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $612,000 | 6,140 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,112,000 | 5,121 |
| Total interest expense | $2,644,000 | 5,314 |
| Net interest income | $3,468,000 | 4,909 |
| Provision for loan and lease losses | $207,000 | 2,933 |
| Total noninterest income | $460,000 | 5,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 3,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,408 |
| Total noninterest expense | $2,902,000 | 4,415 |
| Salaries and employee benefits | $1,285,000 | 4,908 |
| Premises and equipment expense | $371,000 | 4,819 |
| Additional noninterest expense | $1,246,000 | 3,623 |
| Pre-tax net operating income | $819,000 | 6,759 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $325,000 | 5,718 |
| Income before extraordinary items | $494,000 | 7,303 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $494,000 | 7,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,693 |
| Cash dividends | $709,000 | 2,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $494,000 | 7,270 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,171,000 | 5,513 |
| Total interest expense | $1,839,000 | 5,972 |
| Net interest income | $3,332,000 | 5,160 |
| Provision for loan and lease losses | $94,000 | 4,709 |
| Total noninterest income | $423,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,162 |
| Total noninterest expense | $2,761,000 | 4,745 |
| Salaries and employee benefits | $1,189,000 | 5,277 |
| Premises and equipment expense | $455,000 | 4,118 |
| Additional noninterest expense | $1,117,000 | 4,309 |
| Pre-tax net operating income | $900,000 | 6,401 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $298,000 | 5,899 |
| Income before extraordinary items | $601,000 | 6,533 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $601,000 | 6,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $600,000 | 2,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $601,670 | 6,588 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,074,000 | 5,704 |
| Total interest expense | $1,953,000 | 5,948 |
| Net interest income | $3,120,000 | 5,488 |
| Provision for loan and lease losses | $48,000 | 7,582 |
| Total noninterest income | $386,000 | 6,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $2,858,000 | 4,704 |
| Salaries and employee benefits | $1,238,000 | 5,096 |
| Premises and equipment expense | $478,000 | 4,039 |
| Additional noninterest expense | $1,142,000 | 4,392 |
| Pre-tax net operating income | $600,000 | 7,948 |
| Securities gains (losses) | $94,000 | 2,589 |
| Applicable income taxes | $277,000 | 6,387 |
| Income before extraordinary items | $417,000 | 8,264 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $417,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 5,361 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $356,840 | 8,611 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,181,000 | 6,199 |
| Total interest expense | $2,343,000 | 6,305 |
| Net interest income | $2,838,000 | 5,992 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $341,000 | 7,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $2,607,000 | 5,112 |
| Salaries and employee benefits | $1,077,000 | 5,670 |
| Premises and equipment expense | $333,000 | 5,565 |
| Additional noninterest expense | $1,197,000 | 4,348 |
| Pre-tax net operating income | $494,000 | 8,451 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $268,000 | 6,393 |
| Income before extraordinary items | $226,000 | 10,237 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $226,000 | 10,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $226,000 | 9,886 |
* 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.