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Kenwood Savings Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$1,405,000	6,867
Total interest expense	$963,000	4,373
Net interest income	$442,000	8,391
Provision for loan and lease losses	$0	7,324
Total noninterest income	$40,000	8,577
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$40,000	6,937
Total noninterest expense	$471,000	8,017
Salaries and employee benefits	$200,000	8,459
Premises and equipment expense	$153,000	5,589
Additional noninterest expense	$118,000	8,195
Pre-tax net operating income	$11,000	8,606
Securities gains (losses)	$392,000	677
Applicable income taxes	$138,000	4,635
Income before extraordinary items	$265,000	6,394
Extraordinary gains, net	$0	30
Net income	$265,000	6,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$6,280	8,612
2003-03-31 (YTD Data)		Rank
Total interest income	$725,000	6,802
Total interest expense	$478,000	4,483
Net interest income	$247,000	8,263
Provision for loan and lease losses	$0	6,934
Total noninterest income	$20,000	8,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	6,924
Total noninterest expense	$243,000	7,995
Salaries and employee benefits	$108,000	8,391
Premises and equipment expense	$70,000	5,840
Additional noninterest expense	$65,000	8,081
Pre-tax net operating income	$24,000	8,401
Securities gains (losses)	$0	2,891
Applicable income taxes	$8,000	6,684
Income before extraordinary items	$16,000	8,542
Extraordinary gains, net	$0	21
Net income	$16,000	8,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$16,000	8,428
2002-12-31 (YTD Data)		Rank
Total interest income	$3,075,000	6,777
Total interest expense	$1,947,000	4,876
Net interest income	$1,128,000	8,067
Provision for loan and lease losses	$0	8,089
Total noninterest income	$104,000	8,351
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$104,000	6,370
Total noninterest expense	$1,665,000	6,528
Salaries and employee benefits	$1,018,000	6,072
Premises and equipment expense	$306,000	5,510
Additional noninterest expense	$341,000	7,524
Pre-tax net operating income	$-433,000	8,950
Securities gains (losses)	$44,000	2,517
Applicable income taxes	$-138,000	9,092
Income before extraordinary items	$-251,000	8,931
Extraordinary gains, net	$0	70
Net income	$-251,000	8,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,158
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-279,600	8,895
2001-12-31 (YTD Data)		Rank
Total interest income	$3,730,000	6,558
Total interest expense	$2,604,000	5,269
Net interest income	$1,126,000	8,038
Provision for loan and lease losses	$156,000	4,697
Total noninterest income	$122,000	8,206
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$122,000	5,970
Total noninterest expense	$1,414,000	6,987
Salaries and employee benefits	$748,000	6,987
Premises and equipment expense	$315,000	5,372
Additional noninterest expense	$351,000	7,506
Pre-tax net operating income	$-322,000	9,048
Securities gains (losses)	$352,000	805
Applicable income taxes	$-1,000	8,922
Income before extraordinary items	$31,000	8,692
Extraordinary gains, net	$0	105
Net income	$31,000	8,691
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,000	905
Net operating income	$-321,000	9,084
2000-12-31 (YTD Data)		Rank
Total interest income	$4,166,000	6,357
Total interest expense	$3,041,000	4,870
Net interest income	$1,125,000	8,237
Provision for loan and lease losses	$14,000	7,804
Total noninterest income	$120,000	8,306
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$120,000	5,988
Total noninterest expense	$1,257,000	7,358
Salaries and employee benefits	$576,000	7,831
Premises and equipment expense	$288,000	5,554
Additional noninterest expense	$393,000	7,200
Pre-tax net operating income	$-26,000	9,174
Securities gains (losses)	$81,000	612
Applicable income taxes	$30,000	7,623
Income before extraordinary items	$25,000	9,054
Extraordinary gains, net	$0	38
Net income	$25,000	9,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$100,000	5,913
Sale, conversion, retirement of capital stock, net	$3,000	934
Net operating income	$-26,840	9,184
1999-12-31 (YTD Data)		Rank
Total interest income	$3,514,000	6,811
Total interest expense	$2,553,000	5,127
Net interest income	$961,000	8,716
Provision for loan and lease losses	$11,000	8,085
Total noninterest income	$111,000	8,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$111,000	6,379
Total noninterest expense	$1,201,000	7,565
Salaries and employee benefits	$560,000	7,973
Premises and equipment expense	$240,000	6,182
Additional noninterest expense	$401,000	7,262
Pre-tax net operating income	$-140,000	9,567
Securities gains (losses)	$171,000	587
Applicable income taxes	$-18,000	9,709
Income before extraordinary items	$49,000	9,245
Extraordinary gains, net	$0	35
Net income	$49,000	9,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-122,000	9,572
1998-12-31 (YTD Data)		Rank
Total interest income	$3,453,000	7,008
Total interest expense	$2,388,000	5,539
Net interest income	$1,065,000	8,648
Provision for loan and lease losses	$0	8,652
Total noninterest income	$104,000	8,957
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$104,000	6,546
Total noninterest expense	$1,298,000	7,253
Salaries and employee benefits	$729,000	7,028
Premises and equipment expense	$182,000	7,012
Additional noninterest expense	$387,000	7,327
Pre-tax net operating income	$-129,000	9,936
Securities gains (losses)	$636,000	482
Applicable income taxes	$200,000	6,190
Income before extraordinary items	$307,000	7,826
Extraordinary gains, net	$0	32
Net income	$307,000	7,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-100,040	9,921
1997-12-31 (YTD Data)		Rank
Total interest income	$3,332,000	7,369
Total interest expense	$2,378,000	5,610
Net interest income	$954,000	9,296
Provision for loan and lease losses	$0	8,829
Total noninterest income	$94,000	9,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$94,000	6,947
Total noninterest expense	$1,000,000	8,341
Salaries and employee benefits	$509,000	8,539
Premises and equipment expense	$156,000	7,672
Additional noninterest expense	$335,000	7,955
Pre-tax net operating income	$48,000	10,252
Securities gains (losses)	$220,000	665
Applicable income taxes	$75,000	8,822
Income before extraordinary items	$193,000	9,220
Extraordinary gains, net	$0	44
Net income	$193,000	9,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$34,600	10,270
1996-12-31 (YTD Data)		Rank
Total interest income	$3,361,000	7,549
Total interest expense	$2,523,000	5,477
Net interest income	$838,000	10,005
Provision for loan and lease losses	$11,000	8,496
Total noninterest income	$167,000	8,742
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$167,000	5,663
Total noninterest expense	$1,279,000	7,725
Salaries and employee benefits	$452,000	9,237
Premises and equipment expense	$153,000	7,986
Additional noninterest expense	$674,000	5,891
Pre-tax net operating income	$-285,000	11,130
Securities gains (losses)	$190,000	720
Applicable income taxes	$-30,000	11,023
Income before extraordinary items	$-65,000	10,946
Extraordinary gains, net	$0	53
Net income	$-65,000	10,944
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$20,000	8,044
Sale, conversion, retirement of capital stock, net	$955,000	397
Net operating income	$-194,200	11,066
1995-12-31 (YTD Data)		Rank
Total interest income	$3,222,000	7,905
Total interest expense	$2,459,000	5,640
Net interest income	$763,000	10,650
Provision for loan and lease losses	$6,000	8,588
Total noninterest income	$93,000	10,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$93,000	7,460
Total noninterest expense	$849,000	9,556
Salaries and employee benefits	$397,000	9,967
Premises and equipment expense	$133,000	8,707
Additional noninterest expense	$319,000	9,046
Pre-tax net operating income	$1,000	11,458
Securities gains (losses)	$103,000	949
Applicable income taxes	$27,000	10,638
Income before extraordinary items	$77,000	11,122
Extraordinary gains, net	$-94,000	11,937
Net income	$-17,000	11,526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$84,000	7,124
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$780	11,467
1994-12-31 (YTD Data)		Rank
Total interest income	$2,562,000	8,803
Total interest expense	$1,716,000	6,292
Net interest income	$846,000	10,896
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$57,000	11,782
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$57,000	9,251
Total noninterest expense	$717,000	10,627
Salaries and employee benefits	$310,000	11,114
Premises and equipment expense	$111,000	9,669
Additional noninterest expense	$296,000	10,012
Pre-tax net operating income	$166,000	11,154
Securities gains (losses)	$36,000	1,361
Applicable income taxes	$60,000	10,220
Income before extraordinary items	$142,000	10,914
Extraordinary gains, net	$0	249
Net income	$142,000	10,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$40,000	8,160
Sale, conversion, retirement of capital stock, net	$1,000	1,153
Net operating income	$116,800	11,247
1993-12-31 (YTD Data)		Rank
Total interest income	$2,485,000	9,209
Total interest expense	$1,581,000	6,935
Net interest income	$904,000	11,150
Provision for loan and lease losses	$21,000	8,998
Total noninterest income	$56,000	12,391
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$56,000	9,758
Total noninterest expense	$682,000	11,253
Salaries and employee benefits	$281,000	11,862
Premises and equipment expense	$94,000	10,650
Additional noninterest expense	$307,000	10,354
Pre-tax net operating income	$257,000	10,576
Securities gains (losses)	$350,000	1,159
Applicable income taxes	$206,000	7,517
Income before extraordinary items	$401,000	8,425
Extraordinary gains, net	$0	3,149
Net income	$401,000	8,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$75,000	7,397
Sale, conversion, retirement of capital stock, net	$44,000	1,000
Net operating income	$170,000	10,781
1992-12-31 (YTD Data)		Rank
Total interest income	$2,608,000	9,710
Total interest expense	$1,750,000	7,764
Net interest income	$858,000	11,680
Provision for loan and lease losses	$24,000	10,335
Total noninterest income	$58,000	12,909
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$58,000	9,916
Total noninterest expense	$560,000	12,302
Salaries and employee benefits	$218,000	12,958
Premises and equipment expense	$75,000	11,682
Additional noninterest expense	$267,000	11,321
Pre-tax net operating income	$332,000	9,850
Securities gains (losses)	$218,000	1,894
Applicable income taxes	$176,000	8,054
Income before extraordinary items	$374,000	8,474
Extraordinary gains, net	$0	1,422
Net income	$374,000	8,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$2,852,000	254
Net operating income	$225,760	9,892

* 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.