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Lenox Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$8,495,0003,816
Total interest expense$4,542,0003,422
Net interest income$3,953,0004,157
Provision for loan and lease losses$08,228
Total noninterest income$343,0006,064
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$220,0004,945
Trading account gains and fees$0177
Additional Noninterest Income$123,0005,948
Total noninterest expense$3,205,0004,120
Salaries and employee benefits$1,640,0004,228
Premises and equipment expense$375,0004,801
Additional noninterest expense$1,190,0003,529
Pre-tax net operating income$1,091,0004,674
Securities gains (losses)$04,612
Applicable income taxes$395,0003,764
Income before extraordinary items$696,0005,243
Extraordinary gains, net$0105
Net income$696,0005,247
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,0009,161
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$696,0005,129
2000-12-31 (YTD Data)Rank
Total interest income$8,634,0003,882
Total interest expense$4,932,0003,366
Net interest income$3,702,0004,436
Provision for loan and lease losses$113,0005,060
Total noninterest income$241,0006,868
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$154,0005,704
Trading account gains and fees$0180
Additional Noninterest Income$87,0006,735
Total noninterest expense$2,814,0004,458
Salaries and employee benefits$1,454,0004,472
Premises and equipment expense$351,0004,919
Additional noninterest expense$1,009,0003,972
Pre-tax net operating income$1,016,0005,215
Securities gains (losses)$01,956
Applicable income taxes$352,0004,259
Income before extraordinary items$664,0005,559
Extraordinary gains, net$038
Net income$664,0005,558
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,747
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$664,0005,568
1999-12-31 (YTD Data)Rank
Total interest income$7,518,0004,143
Total interest expense$3,967,0003,605
Net interest income$3,551,0004,605
Provision for loan and lease losses$68,0005,976
Total noninterest income$282,0006,600
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$149,0005,863
Trading account gains and fees$0173
Additional Noninterest Income$133,0005,903
Total noninterest expense$2,879,0004,352
Salaries and employee benefits$1,547,0004,223
Premises and equipment expense$382,0004,682
Additional noninterest expense$950,0004,180
Pre-tax net operating income$886,0005,646
Securities gains (losses)$2,0002,566
Applicable income taxes$260,0005,115
Income before extraordinary items$628,0005,769
Extraordinary gains, net$035
Net income$628,0005,767
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0006,178
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$626,5805,742
1998-12-31 (YTD Data)Rank
Total interest income$7,522,0004,153
Total interest expense$4,115,0003,593
Net interest income$3,407,0004,693
Provision for loan and lease losses$65,0005,993
Total noninterest income$296,0006,525
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$130,0006,272
Trading account gains and feesNANA
Additional Noninterest Income$166,0005,426
Total noninterest expense$3,000,0004,121
Salaries and employee benefits$1,531,0004,179
Premises and equipment expense$394,0004,472
Additional noninterest expense$1,075,0003,707
Pre-tax net operating income$638,0006,729
Securities gains (losses)$8,0003,124
Applicable income taxes$325,0004,952
Income before extraordinary items$321,0007,710
Extraordinary gains, net$032
Net income$321,0007,709
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0005,719
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$315,8807,675
1997-12-31 (YTD Data)Rank
Total interest income$7,125,0004,433
Total interest expense$3,816,0003,850
Net interest income$3,309,0004,930
Provision for loan and lease losses$39,0007,061
Total noninterest income$214,0007,665
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$145,0006,257
Trading account gains and feesNANA
Additional Noninterest Income$69,0007,730
Total noninterest expense$2,837,0004,282
Salaries and employee benefits$1,492,0004,275
Premises and equipment expense$391,0004,520
Additional noninterest expense$954,0004,075
Pre-tax net operating income$647,0007,216
Securities gains (losses)$101,000979
Applicable income taxes$298,0005,740
Income before extraordinary items$450,0007,310
Extraordinary gains, net$044
Net income$450,0007,313
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,018
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$385,3607,685
1996-12-31 (YTD Data)Rank
Total interest income$6,744,0004,725
Total interest expense$3,668,0004,008
Net interest income$3,076,0005,337
Provision for loan and lease losses$42,0006,906
Total noninterest income$209,0008,100
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$149,0006,483
Trading account gains and feesNANA
Additional Noninterest Income$60,0008,463
Total noninterest expense$2,697,0004,714
Salaries and employee benefits$1,286,0004,895
Premises and equipment expense$322,0005,312
Additional noninterest expense$1,089,0004,094
Pre-tax net operating income$546,0007,706
Securities gains (losses)$04,148
Applicable income taxes$240,0006,578
Income before extraordinary items$306,0008,372
Extraordinary gains, net$053
Net income$306,0008,369
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,304
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$306,0008,316
1995-12-31 (YTD Data)Rank
Total interest income$6,637,0004,767
Total interest expense$3,379,0004,287
Net interest income$3,258,0005,161
Provision for loan and lease losses$191,0003,115
Total noninterest income$347,0006,515
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$176,0006,147
Trading account gains and feesNANA
Additional Noninterest Income$171,0005,593
Total noninterest expense$2,517,0004,971
Salaries and employee benefits$1,301,0004,858
Premises and equipment expense$287,0005,828
Additional noninterest expense$929,0004,632
Pre-tax net operating income$897,0006,431
Securities gains (losses)$14,0002,143
Applicable income taxes$409,0004,875
Income before extraordinary items$502,0007,237
Extraordinary gains, net$065
Net income$502,0007,236
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,716
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$493,0407,278
1994-12-31 (YTD Data)Rank
Total interest income$6,062,0004,826
Total interest expense$2,725,0004,304
Net interest income$3,337,0005,153
Provision for loan and lease losses$84,0004,941
Total noninterest income$250,0007,945
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0006,148
Trading account gains and feesNANA
Additional Noninterest Income$64,0008,924
Total noninterest expense$2,602,0004,979
Salaries and employee benefits$1,280,0004,955
Premises and equipment expense$262,0006,316
Additional noninterest expense$1,060,0004,488
Pre-tax net operating income$901,0006,396
Securities gains (losses)$84,000854
Applicable income taxes$375,0005,004
Income before extraordinary items$610,0006,459
Extraordinary gains, net$0249
Net income$610,0006,478
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,783
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$556,2406,911
1993-12-31 (YTD Data)Rank
Total interest income$6,110,0004,874
Total interest expense$2,867,0004,282
Net interest income$3,243,0005,285
Provision for loan and lease losses$209,0003,826
Total noninterest income$254,0008,305
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$176,0006,452
Trading account gains and feesNANA
Additional Noninterest Income$78,0008,723
Total noninterest expense$2,510,0005,263
Salaries and employee benefits$1,348,0004,725
Premises and equipment expense$238,0006,929
Additional noninterest expense$924,0005,261
Pre-tax net operating income$778,0006,928
Securities gains (losses)$288,0001,338
Applicable income taxes$447,0004,608
Income before extraordinary items$619,0006,642
Extraordinary gains, net$125,0001,386
Net income$744,0006,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$169,0003,463
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$434,6807,833
1992-12-31 (YTD Data)Rank
Total interest income$6,447,0005,175
Total interest expense$3,367,0004,700
Net interest income$3,080,0005,606
Provision for loan and lease losses$253,0004,557
Total noninterest income$284,0007,944
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$169,0006,633
Trading account gains and feesNANA
Additional Noninterest Income$115,0007,597
Total noninterest expense$2,163,0006,003
Salaries and employee benefits$1,088,0005,631
Premises and equipment expense$225,0007,284
Additional noninterest expense$850,0005,798
Pre-tax net operating income$948,0005,865
Securities gains (losses)$42,0004,413
Applicable income taxes$430,0004,531
Income before extraordinary items$560,0006,851
Extraordinary gains, net$01,422
Net income$560,0006,941
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$149,0004,906
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$533,1206,684

* 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.