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LBA Savings Bank, Income and Expense

2003-03-31 (YTD Data)		Rank
Total interest income	$1,284,000	4,919
Total interest expense	$536,000	4,128
Net interest income	$748,000	5,322
Provision for loan and lease losses	$0	6,934
Total noninterest income	$205,000	4,096
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$57,000	4,884
Trading account gains and fees	$0	134
Additional Noninterest Income	$148,000	3,237
Total noninterest expense	$596,000	5,358
Salaries and employee benefits	$272,000	5,952
Premises and equipment expense	$81,000	5,408
Additional noninterest expense	$243,000	4,314
Pre-tax net operating income	$357,000	4,335
Securities gains (losses)	$0	2,891
Applicable income taxes	$111,000	3,758
Income before extraordinary items	$246,000	4,760
Extraordinary gains, net	$0	21
Net income	$246,000	4,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	1,151
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$246,000	4,561
2002-12-31 (YTD Data)		Rank
Total interest income	$19,004,000	1,617
Total interest expense	$9,875,000	1,141
Net interest income	$9,129,000	2,124
Provision for loan and lease losses	$0	8,089
Total noninterest income	$2,165,000	1,995
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$794,000	2,010
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,371,000	1,772
Total noninterest expense	$8,062,000	1,873
Salaries and employee benefits	$4,630,000	1,728
Premises and equipment expense	$1,494,000	1,487
Additional noninterest expense	$1,938,000	2,371
Pre-tax net operating income	$3,232,000	2,345
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,145,000	1,997
Income before extraordinary items	$2,087,000	2,706
Extraordinary gains, net	$0	70
Net income	$2,087,000	2,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,000	2,573
Cash dividends	$2,612,000	1,048
Sale, conversion, retirement of capital stock, net	$356,000	511
Net operating income	$2,087,000	2,616
2001-12-31 (YTD Data)		Rank
Total interest income	$23,005,000	1,482
Total interest expense	$13,273,000	1,216
Net interest income	$9,732,000	1,832
Provision for loan and lease losses	$20,000	7,552
Total noninterest income	$1,765,000	2,227
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$839,000	1,815
Trading account gains and fees	$0	177
Additional Noninterest Income	$926,000	2,163
Total noninterest expense	$7,403,000	1,942
Salaries and employee benefits	$4,108,000	1,821
Premises and equipment expense	$1,361,000	1,579
Additional noninterest expense	$1,934,000	2,310
Pre-tax net operating income	$4,074,000	1,750
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,462,000	1,522
Income before extraordinary items	$2,612,000	2,001
Extraordinary gains, net	$0	105
Net income	$2,612,000	2,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,098
Cash dividends	$2,544,000	1,058
Sale, conversion, retirement of capital stock, net	$428,000	518
Net operating income	$2,612,000	1,924
2000-12-31 (YTD Data)		Rank
Total interest income	$23,994,000	1,444
Total interest expense	$14,812,000	1,169
Net interest income	$9,182,000	1,921
Provision for loan and lease losses	$-83,000	9,799
Total noninterest income	$1,172,000	2,810
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$873,000	1,571
Trading account gains and fees	$0	180
Additional Noninterest Income	$299,000	3,929
Total noninterest expense	$6,518,000	2,114
Salaries and employee benefits	$3,783,000	1,903
Premises and equipment expense	$1,086,000	1,912
Additional noninterest expense	$1,649,000	2,577
Pre-tax net operating income	$3,919,000	1,871
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,375,000	1,624
Income before extraordinary items	$2,544,000	2,050
Extraordinary gains, net	$0	38
Net income	$2,544,000	2,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	9,611
Cash dividends	$2,600,000	1,089
Sale, conversion, retirement of capital stock, net	$388,000	575
Net operating income	$2,544,000	2,054
1999-12-31 (YTD Data)		Rank
Total interest income	$21,188,000	1,552
Total interest expense	$12,196,000	1,244
Net interest income	$8,992,000	1,963
Provision for loan and lease losses	$0	8,503
Total noninterest income	$1,198,000	2,690
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$897,000	1,441
Trading account gains and fees	$0	173
Additional Noninterest Income	$301,000	4,012
Total noninterest expense	$6,383,000	2,133
Salaries and employee benefits	$3,481,000	2,013
Premises and equipment expense	$1,095,000	1,862
Additional noninterest expense	$1,807,000	2,413
Pre-tax net operating income	$3,807,000	1,931
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,355,000	1,729
Income before extraordinary items	$2,452,000	2,131
Extraordinary gains, net	$0	35
Net income	$2,452,000	2,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	9,624
Cash dividends	$2,270,000	1,236
Sale, conversion, retirement of capital stock, net	$375,000	651
Net operating income	$2,452,000	2,101
1998-12-31 (YTD Data)		Rank
Total interest income	$20,861,000	1,548
Total interest expense	$11,935,000	1,299
Net interest income	$8,926,000	1,920
Provision for loan and lease losses	$90,000	5,311
Total noninterest income	$1,280,000	2,553
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$813,000	1,557
Trading account gains and fees	$0	224
Additional Noninterest Income	$467,000	3,106
Total noninterest expense	$6,201,000	2,118
Salaries and employee benefits	$3,356,000	1,997
Premises and equipment expense	$993,000	1,975
Additional noninterest expense	$1,852,000	2,259
Pre-tax net operating income	$3,915,000	1,857
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,423,000	1,715
Income before extraordinary items	$2,492,000	2,092
Extraordinary gains, net	$0	32
Net income	$2,492,000	2,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,269
Cash dividends	$12,000,000	329
Sale, conversion, retirement of capital stock, net	$346,000	611
Net operating income	$2,492,000	2,019
1997-12-31 (YTD Data)		Rank
Total interest income	$19,786,000	1,669
Total interest expense	$10,860,000	1,436
Net interest income	$8,926,000	1,949
Provision for loan and lease losses	$180,000	3,648
Total noninterest income	$1,392,000	2,341
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$734,000	1,770
Trading account gains and fees	$0	239
Additional Noninterest Income	$658,000	2,319
Total noninterest expense	$5,944,000	2,155
Salaries and employee benefits	$3,162,000	2,087
Premises and equipment expense	$950,000	2,078
Additional noninterest expense	$1,832,000	2,271
Pre-tax net operating income	$4,194,000	1,812
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,494,000	1,709
Income before extraordinary items	$2,700,000	1,952
Extraordinary gains, net	$0	44
Net income	$2,700,000	1,952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,179
Cash dividends	$3,274,000	868
Sale, conversion, retirement of capital stock, net	$305,000	607
Net operating income	$2,700,000	1,898
1996-12-31 (YTD Data)		Rank
Total interest income	$18,513,000	1,828
Total interest expense	$10,761,000	1,500
Net interest income	$7,752,000	2,325
Provision for loan and lease losses	$355,000	2,296
Total noninterest income	$798,000	3,720
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$550,000	2,475
Trading account gains and fees	$0	262
Additional Noninterest Income	$248,000	4,559
Total noninterest expense	$7,303,000	1,932
Salaries and employee benefits	$2,594,000	2,577
Premises and equipment expense	$909,000	2,190
Additional noninterest expense	$3,800,000	1,402
Pre-tax net operating income	$892,000	6,124
Securities gains (losses)	$26,000	1,793
Applicable income taxes	$320,000	5,612
Income before extraordinary items	$598,000	6,289
Extraordinary gains, net	$0	53
Net income	$598,000	6,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,102
Cash dividends	$50,000	7,494
Sale, conversion, retirement of capital stock, net	$15,939,000	41
Net operating income	$581,100	6,321
1995-12-31 (YTD Data)		Rank
Total interest income	$17,078,000	1,970
Total interest expense	$10,131,000	1,579
Net interest income	$6,947,000	2,580
Provision for loan and lease losses	$1,274,000	790
Total noninterest income	$756,000	3,846
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$563,000	2,399
Trading account gains and fees	$0	522
Additional Noninterest Income	$193,000	5,232
Total noninterest expense	$7,818,000	1,790
Salaries and employee benefits	$2,625,000	2,542
Premises and equipment expense	$794,000	2,495
Additional noninterest expense	$4,399,000	1,239
Pre-tax net operating income	$-1,389,000	11,901
Securities gains (losses)	$-54,000	11,219
Applicable income taxes	$-477,000	11,866
Income before extraordinary items	$-966,000	11,862
Extraordinary gains, net	$0	65
Net income	$-966,000	11,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,914
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-929,820	11,852
1994-12-31 (YTD Data)		Rank
Total interest income	$17,034,000	1,809
Total interest expense	$9,375,000	1,390
Net interest income	$7,659,000	2,354
Provision for loan and lease losses	$63,000	5,527
Total noninterest income	$927,000	3,285
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$620,000	2,192
Trading account gains and fees	$0	475
Additional Noninterest Income	$307,000	4,026
Total noninterest expense	$5,373,000	2,590
Salaries and employee benefits	$2,488,000	2,681
Premises and equipment expense	$844,000	2,405
Additional noninterest expense	$2,041,000	2,531
Pre-tax net operating income	$3,150,000	2,247
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,213,000	1,859
Income before extraordinary items	$1,937,000	2,504
Extraordinary gains, net	$0	249
Net income	$1,937,000	2,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,937,000	2,528
1993-12-31 (YTD Data)		Rank
Total interest income	$18,059,000	1,733
Total interest expense	$10,019,000	1,341
Net interest income	$8,040,000	2,230
Provision for loan and lease losses	$235,000	3,574
Total noninterest income	$835,000	3,852
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$562,000	2,451
Trading account gains and fees	$0	532
Additional Noninterest Income	$273,000	4,734
Total noninterest expense	$5,481,000	2,617
Salaries and employee benefits	$2,231,000	2,942
Premises and equipment expense	$963,000	2,133
Additional noninterest expense	$2,287,000	2,429
Pre-tax net operating income	$3,159,000	2,160
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,274,000	1,834
Income before extraordinary items	$1,885,000	2,672
Extraordinary gains, net	$-82,000	12,872
Net income	$1,803,000	2,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	3,131
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,885,000	2,502
1992-12-31 (YTD Data)		Rank
Total interest income	$19,889,000	1,778
Total interest expense	$11,722,000	1,507
Net interest income	$8,167,000	2,222
Provision for loan and lease losses	$1,294,000	1,556
Total noninterest income	$1,076,000	3,119
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,076,000	1,893
Total noninterest expense	$5,516,000	2,620
Salaries and employee benefits	$2,194,000	2,948
Premises and equipment expense	$954,000	2,186
Additional noninterest expense	$2,368,000	2,425
Pre-tax net operating income	$2,433,000	2,558
Securities gains (losses)	$88,000	3,220
Applicable income taxes	$883,000	2,359
Income before extraordinary items	$1,638,000	2,806
Extraordinary gains, net	$796,000	146
Net income	$2,434,000	1,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$761,000	1,876
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,580,800	2,692

* 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.