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Kent Savings and Loan Association, FA, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,856,000	9,579
Total interest expense	$1,011,000	8,966
Net interest income	$845,000	9,980
Provision for loan and lease losses	$1,000	9,010
Total noninterest income	$27,000	11,179
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$27,000	10,012
Total noninterest expense	$496,000	10,609
Salaries and employee benefits	$167,000	11,173
Premises and equipment expense	$40,000	10,910
Additional noninterest expense	$289,000	8,993
Pre-tax net operating income	$375,000	8,657
Securities gains (losses)	$0	4,148
Applicable income taxes	$132,000	8,174
Income before extraordinary items	$243,000	8,897
Extraordinary gains, net	$0	53
Net income	$243,000	8,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$42,000	7,680
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$243,000	8,836
1995-12-31 (YTD Data)		Rank
Total interest income	$1,811,000	10,022
Total interest expense	$970,000	9,359
Net interest income	$841,000	10,414
Provision for loan and lease losses	$0	8,958
Total noninterest income	$12,000	11,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$12,000	11,383
Total noninterest expense	$347,000	11,596
Salaries and employee benefits	$171,000	11,651
Premises and equipment expense	$54,000	10,964
Additional noninterest expense	$122,000	11,404
Pre-tax net operating income	$506,000	8,401
Securities gains (losses)	$0	3,831
Applicable income taxes	$195,000	7,506
Income before extraordinary items	$311,000	8,824
Extraordinary gains, net	$0	65
Net income	$311,000	8,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$45,000	7,893
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$311,000	8,782
1994-12-31 (YTD Data)		Rank
Total interest income	$1,673,000	10,402
Total interest expense	$743,000	9,862
Net interest income	$930,000	10,631
Provision for loan and lease losses	$0	9,146
Total noninterest income	$11,000	12,464
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$11,000	12,029
Total noninterest expense	$340,000	12,240
Salaries and employee benefits	$173,000	12,236
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$113,000	12,183
Pre-tax net operating income	$601,000	7,989
Securities gains (losses)	$0	3,600
Applicable income taxes	$232,000	6,800
Income before extraordinary items	$369,000	8,470
Extraordinary gains, net	$0	249
Net income	$369,000	8,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$42,000	8,136
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$369,000	8,514
1993-12-31 (YTD Data)		Rank
Total interest income	$1,758,000	10,684
Total interest expense	$849,000	9,792
Net interest income	$909,000	11,132
Provision for loan and lease losses	$0	10,371
Total noninterest income	$8,000	13,181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$8,000	12,880
Total noninterest expense	$317,000	12,932
Salaries and employee benefits	$150,000	12,983
Premises and equipment expense	$56,000	11,992
Additional noninterest expense	$111,000	12,846
Pre-tax net operating income	$600,000	7,948
Securities gains (losses)	$0	7,477
Applicable income taxes	$231,000	7,089
Income before extraordinary items	$369,000	8,752
Extraordinary gains, net	$-47,000	12,706
Net income	$322,000	9,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$41,000	8,180
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$369,000	8,489
1992-12-31 (YTD Data)		Rank
Total interest income	$1,849,000	11,196
Total interest expense	$1,059,000	10,142
Net interest income	$790,000	11,945
Provision for loan and lease losses	$0	11,756
Total noninterest income	$11,000	13,789
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$11,000	13,290
Total noninterest expense	$311,000	13,532
Salaries and employee benefits	$133,000	13,659
Premises and equipment expense	$9,000	13,848
Additional noninterest expense	$167,000	12,697
Pre-tax net operating income	$490,000	8,476
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$171,000	8,144
Income before extraordinary items	$322,000	9,022
Extraordinary gains, net	$0	1,422
Net income	$322,000	9,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$34,000	8,144
Sale, conversion, retirement of capital stock, net	$2,000	1,126
Net operating income	$320,050	8,678

* 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.