Home > Lochaven Federal Savings and Loan Association > Income and Expense
Lochaven Federal Savings and Loan Association, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,653,000 | 6,085 |
| Total interest expense | $2,653,000 | 5,175 |
| Net interest income | $2,000,000 | 6,914 |
| Provision for loan and lease losses | $517,000 | 1,727 |
| Total noninterest income | $2,506,000 | 1,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,506,000 | 946 |
| Total noninterest expense | $6,946,000 | 1,861 |
| Salaries and employee benefits | $4,332,000 | 1,501 |
| Premises and equipment expense | $1,501,000 | 1,304 |
| Additional noninterest expense | $1,113,000 | 3,568 |
| Pre-tax net operating income | $-2,957,000 | 10,912 |
| Securities gains (losses) | $2,123,000 | 175 |
| Applicable income taxes | $69,000 | 8,921 |
| Income before extraordinary items | $-903,000 | 10,844 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-903,000 | 10,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,290 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-3,026,000 | 10,893 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,854,000 | 5,275 |
| Total interest expense | $3,369,000 | 4,331 |
| Net interest income | $2,485,000 | 6,218 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $2,577,000 | 1,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,577,000 | 977 |
| Total noninterest expense | $8,147,000 | 1,739 |
| Salaries and employee benefits | $4,539,000 | 1,481 |
| Premises and equipment expense | $1,529,000 | 1,337 |
| Additional noninterest expense | $2,079,000 | 2,369 |
| Pre-tax net operating income | $-3,155,000 | 11,427 |
| Securities gains (losses) | $2,605,000 | 125 |
| Applicable income taxes | $-210,000 | 11,274 |
| Income before extraordinary items | $-340,000 | 11,199 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-340,000 | 11,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-2,007,200 | 11,390 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 5,196 |
| Total interest expense | $3,369,000 | 4,301 |
| Net interest income | $2,646,000 | 6,049 |
| Provision for loan and lease losses | $195,000 | 3,070 |
| Total noninterest income | $-810,000 | 11,972 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $-810,000 | 12,003 |
| Total noninterest expense | $1,241,000 | 8,075 |
| Salaries and employee benefits | $529,000 | 8,865 |
| Premises and equipment expense | $280,000 | 5,928 |
| Additional noninterest expense | $432,000 | 7,878 |
| Pre-tax net operating income | $400,000 | 9,066 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $399,000 | 4,962 |
| Income before extraordinary items | $1,000 | 11,493 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,000 | 11,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,000 | 11,463 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,898,000 | 4,280 |
| Total interest expense | $3,848,000 | 3,176 |
| Net interest income | $3,050,000 | 5,550 |
| Provision for loan and lease losses | $11,000 | 8,408 |
| Total noninterest income | $-2,566,000 | 12,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $-2,566,000 | 12,640 |
| Total noninterest expense | $1,318,000 | 8,177 |
| Salaries and employee benefits | $501,000 | 9,385 |
| Premises and equipment expense | $270,000 | 6,171 |
| Additional noninterest expense | $547,000 | 7,446 |
| Pre-tax net operating income | $-845,000 | 12,437 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $702,000 | 3,084 |
| Income before extraordinary items | $-1,547,000 | 12,473 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,547,000 | 12,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,959 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,137 |
| Net operating income | $-1,547,000 | 12,474 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,476,000 | 4,626 |
| Total interest expense | $3,440,000 | 3,651 |
| Net interest income | $3,036,000 | 5,607 |
| Provision for loan and lease losses | $471,000 | 2,187 |
| Total noninterest income | $637,000 | 4,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $637,000 | 2,776 |
| Total noninterest expense | $1,637,000 | 7,390 |
| Salaries and employee benefits | $658,000 | 8,318 |
| Premises and equipment expense | $438,000 | 4,355 |
| Additional noninterest expense | $541,000 | 7,851 |
| Pre-tax net operating income | $1,565,000 | 4,163 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $1,094,000 | 4,347 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,094,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 4,080 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 1,037 |
| Net operating income | $1,094,000 | 4,126 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 6,530 |
| Total interest expense | $3,053,000 | 5,080 |
| Net interest income | $1,800,000 | 8,349 |
| Provision for loan and lease losses | $498,000 | 3,020 |
| Total noninterest income | $1,234,000 | 2,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,234,000 | 1,744 |
| Total noninterest expense | $1,631,000 | 7,463 |
| Salaries and employee benefits | $511,000 | 9,674 |
| Premises and equipment expense | $358,000 | 5,273 |
| Additional noninterest expense | $762,000 | 6,336 |
| Pre-tax net operating income | $905,000 | 6,071 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $7,000 | 12,453 |
| Income before extraordinary items | $898,000 | 4,941 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $898,000 | 4,993 |
| 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 | $38,000 | 961 |
| Net operating income | $898,000 | 4,628 |
* 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.