Home > Leeds Federal Savings Bank > Income and Expense
Leeds Federal Savings Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,926,000 | 1,772 |
| Total interest expense | $4,469,000 | 869 |
| Net interest income | $3,457,000 | 2,884 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $769,000 | 2,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $769,000 | 1,592 |
| Total noninterest expense | $1,941,000 | 3,834 |
| Salaries and employee benefits | $987,000 | 4,024 |
| Premises and equipment expense | $329,000 | 3,297 |
| Additional noninterest expense | $625,000 | 3,624 |
| Pre-tax net operating income | $2,285,000 | 1,832 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $793,000 | 1,537 |
| Income before extraordinary items | $1,492,000 | 2,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,492,000 | 2,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,492,000 | 2,026 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,990,000 | 1,766 |
| Total interest expense | $2,268,000 | 875 |
| Net interest income | $1,722,000 | 2,893 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $598,000 | 1,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $598,000 | 1,150 |
| Total noninterest expense | $986,000 | 3,805 |
| Salaries and employee benefits | $560,000 | 3,663 |
| Premises and equipment expense | $172,000 | 3,205 |
| Additional noninterest expense | $254,000 | 4,267 |
| Pre-tax net operating income | $1,334,000 | 1,548 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $466,000 | 1,377 |
| Income before extraordinary items | $868,000 | 1,807 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $868,000 | 1,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $868,000 | 1,722 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,808,000 | 1,798 |
| Total interest expense | $10,187,000 | 871 |
| Net interest income | $5,621,000 | 3,364 |
| Provision for loan and lease losses | $38,000 | 6,576 |
| Total noninterest income | $812,000 | 4,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $812,000 | 2,717 |
| Total noninterest expense | $25,420,000 | 653 |
| Salaries and employee benefits | $6,354,000 | 1,355 |
| Premises and equipment expense | $493,000 | 4,108 |
| Additional noninterest expense | $18,573,000 | 355 |
| Pre-tax net operating income | $-19,025,000 | 9,176 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-681,000 | 9,112 |
| Income before extraordinary items | $-18,344,000 | 9,175 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-18,344,000 | 9,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $40,447,000 | 146 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-18,344,000 | 9,166 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,954,000 | 1,812 |
| Total interest expense | $7,856,000 | 881 |
| Net interest income | $4,098,000 | 3,455 |
| Provision for loan and lease losses | $38,000 | 6,187 |
| Total noninterest income | $617,000 | 4,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $617,000 | 2,797 |
| Total noninterest expense | $24,546,000 | 556 |
| Salaries and employee benefits | $5,986,000 | 1,067 |
| Premises and equipment expense | $373,000 | 4,060 |
| Additional noninterest expense | $18,187,000 | 295 |
| Pre-tax net operating income | $-19,869,000 | 9,236 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-955,000 | 9,201 |
| Income before extraordinary items | $-18,914,000 | 9,230 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-18,914,000 | 9,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,109 |
| Cash dividends | $40,447,000 | 121 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-18,914,000 | 9,224 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,455,000 | 1,733 |
| Total interest expense | $5,420,000 | 880 |
| Net interest income | $3,035,000 | 3,152 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $404,000 | 4,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $404,000 | 2,788 |
| Total noninterest expense | $23,844,000 | 400 |
| Salaries and employee benefits | $5,625,000 | 773 |
| Premises and equipment expense | $251,000 | 4,030 |
| Additional noninterest expense | $17,968,000 | 235 |
| Pre-tax net operating income | $-20,425,000 | 9,272 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-1,115,000 | 9,249 |
| Income before extraordinary items | $-19,310,000 | 9,266 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-19,310,000 | 9,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $40,447,000 | 79 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-19,310,000 | 9,260 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 1,608 |
| Total interest expense | $2,965,000 | 837 |
| Net interest income | $1,655,000 | 2,897 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $206,000 | 4,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $206,000 | 2,679 |
| Total noninterest expense | $6,218,000 | 676 |
| Salaries and employee benefits | $5,177,000 | 449 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $926,000 | 1,310 |
| Pre-tax net operating income | $-4,363,000 | 9,311 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-1,328,000 | 9,298 |
| Income before extraordinary items | $-3,035,000 | 9,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,035,000 | 9,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $40,447,000 | 49 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-3,035,000 | 9,291 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,892,000 | 1,404 |
| Total interest expense | $15,246,000 | 737 |
| Net interest income | $6,646,000 | 2,866 |
| Provision for loan and lease losses | $-167,000 | 9,292 |
| Total noninterest income | $813,000 | 3,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $813,000 | 2,476 |
| Total noninterest expense | $4,299,000 | 3,353 |
| Salaries and employee benefits | $2,009,000 | 3,722 |
| Premises and equipment expense | $469,000 | 4,134 |
| Additional noninterest expense | $1,821,000 | 2,522 |
| Pre-tax net operating income | $3,327,000 | 2,300 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,006,000 | 2,198 |
| Income before extraordinary items | $2,321,000 | 2,492 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,321,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,321,000 | 2,404 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $22,962,000 | 1,484 |
| Total interest expense | $16,623,000 | 966 |
| Net interest income | $6,339,000 | 2,803 |
| Provision for loan and lease losses | $1,000 | 8,207 |
| Total noninterest income | $833,000 | 3,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $833,000 | 2,327 |
| Total noninterest expense | $3,819,000 | 3,569 |
| Salaries and employee benefits | $2,235,000 | 3,277 |
| Premises and equipment expense | $372,000 | 4,827 |
| Additional noninterest expense | $1,212,000 | 3,467 |
| Pre-tax net operating income | $3,352,000 | 2,052 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $985,000 | 2,091 |
| Income before extraordinary items | $2,367,000 | 2,192 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,367,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,367,000 | 2,123 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,358,000 | 1,542 |
| Total interest expense | $14,714,000 | 1,179 |
| Net interest income | $7,644,000 | 2,326 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $666,000 | 4,136 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $666,000 | 2,461 |
| Total noninterest expense | $3,286,000 | 3,925 |
| Salaries and employee benefits | $2,022,000 | 3,428 |
| Premises and equipment expense | $374,000 | 4,722 |
| Additional noninterest expense | $890,000 | 4,382 |
| Pre-tax net operating income | $5,024,000 | 1,472 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,718,000 | 1,343 |
| Income before extraordinary items | $3,306,000 | 1,595 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,306,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,306,000 | 1,587 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,202,000 | 1,550 |
| Total interest expense | $13,460,000 | 1,134 |
| Net interest income | $7,742,000 | 2,278 |
| Provision for loan and lease losses | $29,000 | 7,328 |
| Total noninterest income | $547,000 | 4,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $547,000 | 2,793 |
| Total noninterest expense | $2,893,000 | 4,329 |
| Salaries and employee benefits | $1,671,000 | 3,983 |
| Premises and equipment expense | $362,000 | 4,853 |
| Additional noninterest expense | $860,000 | 4,541 |
| Pre-tax net operating income | $5,367,000 | 1,418 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,860,000 | 1,312 |
| Income before extraordinary items | $3,507,000 | 1,527 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,507,000 | 1,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,199 |
| Cash dividends | $4,910,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $-1,683,000 | 10,188 |
| Net operating income | $3,507,000 | 1,497 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,442,000 | 1,591 |
| Total interest expense | $12,586,000 | 1,241 |
| Net interest income | $7,856,000 | 2,168 |
| Provision for loan and lease losses | $212,000 | 3,392 |
| Total noninterest income | $588,000 | 4,447 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $588,000 | 2,674 |
| Total noninterest expense | $2,922,000 | 4,225 |
| Salaries and employee benefits | $1,740,000 | 3,766 |
| Premises and equipment expense | $340,000 | 4,977 |
| Additional noninterest expense | $842,000 | 4,506 |
| Pre-tax net operating income | $5,310,000 | 1,407 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,909,000 | 1,324 |
| Income before extraordinary items | $3,401,000 | 1,551 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,401,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $1,017,000 | 2,178 |
| Sale, conversion, retirement of capital stock, net | $-1,359,000 | 10,433 |
| Net operating income | $3,401,000 | 1,494 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,883,000 | 1,657 |
| Total interest expense | $11,815,000 | 1,331 |
| Net interest income | $8,068,000 | 2,176 |
| Provision for loan and lease losses | $59,000 | 6,382 |
| Total noninterest income | $520,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $520,000 | 2,744 |
| Total noninterest expense | $3,048,000 | 4,045 |
| Salaries and employee benefits | $1,830,000 | 3,581 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $943,000 | 4,124 |
| Pre-tax net operating income | $5,481,000 | 1,419 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,052,000 | 1,292 |
| Income before extraordinary items | $3,429,000 | 1,576 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,429,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $961,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $1,727,000 | 393 |
| Net operating income | $3,429,000 | 1,540 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,888,000 | 1,787 |
| Total interest expense | $11,411,000 | 1,420 |
| Net interest income | $7,477,000 | 2,405 |
| Provision for loan and lease losses | $137,000 | 4,309 |
| Total noninterest income | $479,000 | 5,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $479,000 | 3,016 |
| Total noninterest expense | $4,416,000 | 3,065 |
| Salaries and employee benefits | $1,593,000 | 4,083 |
| Premises and equipment expense | $293,000 | 5,680 |
| Additional noninterest expense | $2,530,000 | 1,988 |
| Pre-tax net operating income | $3,403,000 | 2,100 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,311,000 | 1,834 |
| Income before extraordinary items | $2,092,000 | 2,356 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,092,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $806,000 | 2,470 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 882 |
| Net operating income | $2,092,000 | 2,307 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,987,000 | 1,887 |
| Total interest expense | $10,989,000 | 1,481 |
| Net interest income | $6,998,000 | 2,560 |
| Provision for loan and lease losses | $37,000 | 6,739 |
| Total noninterest income | $403,000 | 5,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $403,000 | 3,303 |
| Total noninterest expense | $2,978,000 | 4,310 |
| Salaries and employee benefits | $1,518,000 | 4,240 |
| Premises and equipment expense | $305,000 | 5,563 |
| Additional noninterest expense | $1,155,000 | 3,871 |
| Pre-tax net operating income | $4,386,000 | 1,676 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,733,000 | 1,444 |
| Income before extraordinary items | $2,653,000 | 1,893 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,653,000 | 1,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $698,000 | 2,669 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,653,000 | 1,874 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,696,000 | 1,843 |
| Total interest expense | $9,148,000 | 1,422 |
| Net interest income | $7,548,000 | 2,397 |
| Provision for loan and lease losses | $53,000 | 6,008 |
| Total noninterest income | $529,000 | 5,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-33,000 | 4,837 |
| Additional Noninterest Income | $562,000 | 2,722 |
| Total noninterest expense | $2,770,000 | 4,735 |
| Salaries and employee benefits | $1,405,000 | 4,543 |
| Premises and equipment expense | $273,000 | 6,120 |
| Additional noninterest expense | $1,092,000 | 4,383 |
| Pre-tax net operating income | $5,254,000 | 1,396 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,070,000 | 1,173 |
| Income before extraordinary items | $3,184,000 | 1,545 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,184,000 | 1,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $256,000 | 4,846 |
| Sale, conversion, retirement of capital stock, net | $12,597,000 | 87 |
| Net operating income | $3,184,000 | 1,555 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,721,000 | 1,769 |
| Total interest expense | $9,624,000 | 1,395 |
| Net interest income | $8,097,000 | 2,217 |
| Provision for loan and lease losses | $56,000 | 7,224 |
| Total noninterest income | $352,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-10,000 | 5,081 |
| Additional Noninterest Income | $362,000 | 4,019 |
| Total noninterest expense | $2,224,000 | 5,813 |
| Salaries and employee benefits | $986,000 | 6,210 |
| Premises and equipment expense | $329,000 | 5,469 |
| Additional noninterest expense | $909,000 | 5,324 |
| Pre-tax net operating income | $6,169,000 | 1,128 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,297,000 | 1,075 |
| Income before extraordinary items | $3,872,000 | 1,310 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,872,000 | 1,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,872,000 | 1,225 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,534,000 | 1,920 |
| Total interest expense | $11,145,000 | 1,569 |
| Net interest income | $7,389,000 | 2,452 |
| Provision for loan and lease losses | $56,000 | 8,797 |
| Total noninterest income | $326,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $326,000 | 4,207 |
| Total noninterest expense | $2,089,000 | 6,162 |
| Salaries and employee benefits | $832,000 | 7,050 |
| Premises and equipment expense | $284,000 | 6,214 |
| Additional noninterest expense | $973,000 | 5,165 |
| Pre-tax net operating income | $5,570,000 | 1,164 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,022,000 | 1,104 |
| Income before extraordinary items | $3,548,000 | 1,317 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,548,000 | 1,316 |
| 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 | $0 | 1,165 |
| Net operating income | $3,548,000 | 1,211 |
* 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.