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Ledger Bank, S.S.B., Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$40,266,000883
Total interest expense$28,251,000659
Net interest income$12,015,0001,462
Provision for loan and lease losses$761,0001,317
Total noninterest income$1,399,0002,472
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$411,0003,175
Trading account gains and fees$-36,0004,501
Additional Noninterest Income$1,024,0001,826
Total noninterest expense$8,474,0001,645
Salaries and employee benefits$4,323,0001,652
Premises and equipment expense$963,0002,139
Additional noninterest expense$3,188,0001,407
Pre-tax net operating income$4,179,0001,753
Securities gains (losses)$22,000930
Applicable income taxes$1,391,0001,608
Income before extraordinary items$2,810,0001,856
Extraordinary gains, net$038
Net income$2,810,0001,856
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$520,0001,210
Cash dividends$500,0003,528
Sale, conversion, retirement of capital stock, net$1,186,000421
Net operating income$2,795,2601,861
1999-12-31 (YTD Data)Rank
Total interest income$35,515,000943
Total interest expense$23,559,000691
Net interest income$11,956,0001,465
Provision for loan and lease losses$396,0002,134
Total noninterest income$1,617,0002,185
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$441,0002,946
Trading account gains and fees$0173
Additional Noninterest Income$1,176,0001,676
Total noninterest expense$8,367,0001,644
Salaries and employee benefits$4,577,0001,523
Premises and equipment expense$1,097,0001,858
Additional noninterest expense$2,693,0001,657
Pre-tax net operating income$4,810,0001,565
Securities gains (losses)$99,000738
Applicable income taxes$1,565,0001,539
Income before extraordinary items$3,344,0001,597
Extraordinary gains, net$035
Net income$3,344,0001,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$121,0003,224
Cash dividends$1,500,0001,672
Sale, conversion, retirement of capital stock, net$388,000646
Net operating income$3,276,6801,595
1998-12-31 (YTD Data)Rank
Total interest income$33,107,000992
Total interest expense$22,309,000732
Net interest income$10,798,0001,568
Provision for loan and lease losses$700,0001,308
Total noninterest income$2,010,0001,823
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$426,0002,956
Trading account gains and fees$0224
Additional Noninterest Income$1,584,0001,352
Total noninterest expense$7,837,0001,678
Salaries and employee benefits$4,201,0001,582
Premises and equipment expense$1,051,0001,882
Additional noninterest expense$2,585,0001,658
Pre-tax net operating income$4,271,0001,718
Securities gains (losses)$7,0003,223
Applicable income taxes$1,408,0001,728
Income before extraordinary items$2,870,0001,834
Extraordinary gains, net$032
Net income$2,870,0001,834
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$127,0003,233
Cash dividends$1,300,0001,837
Sale, conversion, retirement of capital stock, net$692,000514
Net operating income$2,865,3101,760
1997-12-31 (YTD Data)Rank
Total interest income$31,477,0001,082
Total interest expense$21,477,000768
Net interest income$10,000,0001,739
Provision for loan and lease losses$737,0001,278
Total noninterest income$1,111,0002,804
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$429,0003,041
Trading account gains and fees$0239
Additional Noninterest Income$682,0002,255
Total noninterest expense$6,191,0002,089
Salaries and employee benefits$3,379,0001,944
Premises and equipment expense$724,0002,651
Additional noninterest expense$2,088,0002,013
Pre-tax net operating income$4,183,0001,817
Securities gains (losses)$-8,0009,909
Applicable income taxes$1,472,0001,739
Income before extraordinary items$2,703,0001,949
Extraordinary gains, net$044
Net income$2,703,0001,949
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$195,0002,585
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$390,000582
Net operating income$2,708,2001,893
1996-12-31 (YTD Data)Rank
Total interest income$26,613,0001,282
Total interest expense$18,230,000925
Net interest income$8,383,0002,136
Provision for loan and lease losses$596,0001,530
Total noninterest income$1,205,0002,671
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$476,0002,848
Trading account gains and fees$0262
Additional Noninterest Income$729,0002,231
Total noninterest expense$6,729,0002,069
Salaries and employee benefits$3,092,0002,159
Premises and equipment expense$600,0003,218
Additional noninterest expense$3,037,0001,713
Pre-tax net operating income$2,263,0003,080
Securities gains (losses)$34,0001,599
Applicable income taxes$798,0002,852
Income before extraordinary items$1,499,0003,192
Extraordinary gains, net$053
Net income$1,499,0003,191
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,890
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$409,000491
Net operating income$1,476,9003,193
1995-12-31 (YTD Data)Rank
Total interest income$18,313,0001,853
Total interest expense$12,387,0001,335
Net interest income$5,926,0003,008
Provision for loan and lease losses$209,0002,925
Total noninterest income$1,107,0002,878
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$464,0002,932
Trading account gains and fees$0522
Additional Noninterest Income$643,0002,428
Total noninterest expense$4,947,0002,747
Salaries and employee benefits$2,546,0002,632
Premises and equipment expense$508,0003,716
Additional noninterest expense$1,893,0002,521
Pre-tax net operating income$1,877,0003,698
Securities gains (losses)$142,000808
Applicable income taxes$779,0002,941
Income before extraordinary items$1,240,0003,848
Extraordinary gains, net$065
Net income$1,240,0003,846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0003,985
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$343,000422
Net operating income$1,149,1204,081
1994-12-31 (YTD Data)Rank
Total interest income$12,001,0002,523
Total interest expense$7,020,0001,801
Net interest income$4,981,0003,576
Provision for loan and lease losses$254,0002,564
Total noninterest income$1,098,0002,910
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$448,0003,062
Trading account gains and fees$-57,0004,852
Additional Noninterest Income$707,0002,315
Total noninterest expense$4,587,0003,005
Salaries and employee benefits$2,339,0002,832
Premises and equipment expense$541,0003,561
Additional noninterest expense$1,707,0002,959
Pre-tax net operating income$1,238,0005,121
Securities gains (losses)$-155,00011,815
Applicable income taxes$409,0004,690
Income before extraordinary items$674,0006,067
Extraordinary gains, net$0249
Net income$674,0006,082
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,198
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$-720,00012,566
Net operating income$773,2005,564
1993-12-31 (YTD Data)Rank
Total interest income$10,848,0002,858
Total interest expense$6,220,0002,090
Net interest income$4,628,0003,826
Provision for loan and lease losses$487,0002,147
Total noninterest income$1,163,0002,977
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$497,0002,815
Trading account gains and fees$0532
Additional Noninterest Income$666,0002,682
Total noninterest expense$4,921,0002,895
Salaries and employee benefits$2,228,0002,944
Premises and equipment expense$536,0003,657
Additional noninterest expense$2,157,0002,561
Pre-tax net operating income$383,0009,547
Securities gains (losses)$45,0003,566
Applicable income taxes$214,0007,358
Income before extraordinary items$214,00010,485
Extraordinary gains, net$60,0002,033
Net income$274,0009,914
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0004,760
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$2,215,000335
Net operating income$185,20010,598
1992-12-31 (YTD Data)Rank
Total interest income$11,383,0003,091
Total interest expense$6,593,0002,562
Net interest income$4,790,0003,794
Provision for loan and lease losses$146,0006,180
Total noninterest income$1,785,0002,098
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$1,785,0001,340
Total noninterest expense$4,474,0003,179
Salaries and employee benefits$2,275,0002,848
Premises and equipment expense$807,0002,574
Additional noninterest expense$1,392,0003,809
Pre-tax net operating income$1,955,0003,166
Securities gains (losses)$147,0002,440
Applicable income taxes$806,0002,603
Income before extraordinary items$1,296,0003,541
Extraordinary gains, net$01,422
Net income$1,296,0003,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0006,068
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,201,9203,524

* 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.