Home > Keystone Savings and Loan Association > Income and Expense
Keystone Savings and Loan Association, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 11,655 |
| Total interest expense | $275,000 | 11,631 |
| Net interest income | $396,000 | 11,619 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $43,000 | 11,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $576,000 | 10,677 |
| Salaries and employee benefits | $237,000 | 11,253 |
| Premises and equipment expense | $180,000 | 7,598 |
| Additional noninterest expense | $159,000 | 10,947 |
| Pre-tax net operating income | $-151,000 | 11,640 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-15,000 | 11,537 |
| Income before extraordinary items | $-136,000 | 11,633 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-136,000 | 11,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-136,000 | 11,616 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $754,000 | 12,127 |
| Total interest expense | $260,000 | 12,179 |
| Net interest income | $494,000 | 12,023 |
| Provision for loan and lease losses | $34,000 | 6,932 |
| Total noninterest income | $76,000 | 11,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $76,000 | 8,407 |
| Total noninterest expense | $472,000 | 11,740 |
| Salaries and employee benefits | $201,000 | 12,067 |
| Premises and equipment expense | $141,000 | 8,799 |
| Additional noninterest expense | $130,000 | 12,021 |
| Pre-tax net operating income | $64,000 | 11,835 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $17,000 | 11,218 |
| Income before extraordinary items | $47,000 | 11,825 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $47,000 | 11,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $47,000 | 11,860 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $674,000 | 12,849 |
| Total interest expense | $313,000 | 12,623 |
| Net interest income | $361,000 | 12,899 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $37,000 | 12,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $389,000 | 12,693 |
| Salaries and employee benefits | $138,000 | 13,051 |
| Premises and equipment expense | $118,000 | 9,857 |
| Additional noninterest expense | $133,000 | 12,624 |
| Pre-tax net operating income | $9,000 | 12,353 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $10,000 | 11,823 |
| Income before extraordinary items | $-1,000 | 12,533 |
| Extraordinary gains, net | $-2,000 | 12,173 |
| Net income | $-3,000 | 12,565 |
| 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 | $-1,000 | 12,395 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 13,251 |
| Total interest expense | $481,000 | 12,842 |
| Net interest income | $384,000 | 13,427 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $72,000 | 12,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-33,000 | 5,232 |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $379,000 | 13,267 |
| Salaries and employee benefits | $143,000 | 13,600 |
| Premises and equipment expense | $108,000 | 10,453 |
| Additional noninterest expense | $128,000 | 13,232 |
| Pre-tax net operating income | $52,000 | 12,406 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $24,000 | 11,995 |
| Income before extraordinary items | $28,000 | 12,723 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $28,000 | 12,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $28,000 | 12,483 |
* 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.