Home > Lowcountry Savings Bank, Inc. > Income and Expense
Lowcountry Savings Bank, Inc., Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,926,000 | 5,235 |
| Total interest expense | $3,341,000 | 4,359 |
| Net interest income | $2,585,000 | 6,060 |
| Provision for loan and lease losses | $127,000 | 4,469 |
| Total noninterest income | $901,000 | 3,393 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $901,000 | 1,945 |
| Total noninterest expense | $2,912,000 | 4,396 |
| Salaries and employee benefits | $1,382,000 | 4,630 |
| Premises and equipment expense | $688,000 | 2,852 |
| Additional noninterest expense | $842,000 | 4,996 |
| Pre-tax net operating income | $447,000 | 8,226 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $158,000 | 7,760 |
| Income before extraordinary items | $289,000 | 8,520 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $289,000 | 8,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $41,000 | 7,688 |
| Sale, conversion, retirement of capital stock, net | $904,000 | 400 |
| Net operating income | $289,000 | 8,455 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,881,000 | 6,098 |
| Total interest expense | $3,114,000 | 4,593 |
| Net interest income | $1,767,000 | 7,858 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $731,000 | 3,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $731,000 | 2,235 |
| Total noninterest expense | $2,129,000 | 5,720 |
| Salaries and employee benefits | $1,112,000 | 5,552 |
| Premises and equipment expense | $567,000 | 3,370 |
| Additional noninterest expense | $450,000 | 7,705 |
| Pre-tax net operating income | $288,000 | 9,839 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $84,000 | 9,508 |
| Income before extraordinary items | $204,000 | 9,883 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $204,000 | 9,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $42,000 | 7,940 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $204,000 | 9,857 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 7,046 |
| Total interest expense | $1,809,000 | 6,045 |
| Net interest income | $1,907,000 | 7,783 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $502,000 | 5,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $502,000 | 2,943 |
| Total noninterest expense | $1,639,000 | 7,171 |
| Salaries and employee benefits | $954,000 | 6,341 |
| Premises and equipment expense | $438,000 | 4,256 |
| Additional noninterest expense | $247,000 | 10,560 |
| Pre-tax net operating income | $738,000 | 7,199 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $267,000 | 6,290 |
| Income before extraordinary items | $471,000 | 7,534 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $471,000 | 7,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $36,000 | 8,262 |
| Sale, conversion, retirement of capital stock, net | $226,000 | 668 |
| Net operating income | $471,000 | 7,576 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,437,000 | 7,625 |
| Total interest expense | $1,542,000 | 7,071 |
| Net interest income | $1,895,000 | 7,963 |
| Provision for loan and lease losses | $105,000 | 5,626 |
| Total noninterest income | $814,000 | 3,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $814,000 | 2,363 |
| Total noninterest expense | $1,729,000 | 7,104 |
| Salaries and employee benefits | $873,000 | 6,881 |
| Premises and equipment expense | $406,000 | 4,660 |
| Additional noninterest expense | $450,000 | 8,725 |
| Pre-tax net operating income | $875,000 | 6,454 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $358,000 | 5,405 |
| Income before extraordinary items | $517,000 | 7,411 |
| Extraordinary gains, net | $100,000 | 1,558 |
| Net income | $617,000 | 6,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 933 |
| Net operating income | $517,000 | 7,169 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,403,000 | 8,319 |
| Total interest expense | $1,797,000 | 7,619 |
| Net interest income | $1,606,000 | 8,942 |
| Provision for loan and lease losses | $124,000 | 6,630 |
| Total noninterest income | $518,000 | 5,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $518,000 | 3,116 |
| Total noninterest expense | $1,311,000 | 8,625 |
| Salaries and employee benefits | $701,000 | 7,971 |
| Premises and equipment expense | $362,000 | 5,215 |
| Additional noninterest expense | $248,000 | 11,558 |
| Pre-tax net operating income | $689,000 | 7,164 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $182,000 | 7,938 |
| Income before extraordinary items | $507,000 | 7,260 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $507,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $507,000 | 6,891 |
* 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.