Home > Ludlow Savings Bank > Income and Expense
Ludlow Savings Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,159,000 | 1,937 |
| Total interest expense | $6,867,000 | 1,883 |
| Net interest income | $9,292,000 | 1,951 |
| Provision for loan and lease losses | $11,438,000 | 257 |
| Total noninterest income | $2,341,000 | 1,763 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $619,000 | 2,212 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,722,000 | 1,387 |
| Total noninterest expense | $13,176,000 | 1,184 |
| Salaries and employee benefits | $3,853,000 | 1,740 |
| Premises and equipment expense | $875,000 | 2,332 |
| Additional noninterest expense | $8,448,000 | 859 |
| Pre-tax net operating income | $-12,971,000 | 13,246 |
| Securities gains (losses) | $-78,000 | 13,147 |
| Applicable income taxes | $375,000 | 5,243 |
| Income before extraordinary items | $-13,424,000 | 13,221 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-13,424,000 | 13,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,935,000 | 359 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-13,346,000 | 13,217 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,852,000 | 1,875 |
| Total interest expense | $9,668,000 | 1,767 |
| Net interest income | $9,184,000 | 1,993 |
| Provision for loan and lease losses | $2,125,000 | 1,104 |
| Total noninterest income | $1,342,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $486,000 | 2,863 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $856,000 | 2,217 |
| Total noninterest expense | $10,298,000 | 1,492 |
| Salaries and employee benefits | $4,082,000 | 1,618 |
| Premises and equipment expense | $861,000 | 2,398 |
| Additional noninterest expense | $5,355,000 | 1,247 |
| Pre-tax net operating income | $-1,897,000 | 13,624 |
| Securities gains (losses) | $179,000 | 2,170 |
| Applicable income taxes | $-779,000 | 13,807 |
| Income before extraordinary items | $-939,000 | 13,535 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-939,000 | 13,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,727,000 | 783 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,053,560 | 13,495 |
* 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.