Home > Ogdensburg Federal Savings and Loan Association > Income and Expense
Ogdensburg Federal Savings and Loan Association, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $732,000 | 8,251 |
| Total interest expense | $331,000 | 7,450 |
| Net interest income | $401,000 | 8,518 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $22,000 | 8,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $22,000 | 7,723 |
| Total noninterest expense | $441,000 | 8,138 |
| Salaries and employee benefits | $228,000 | 8,271 |
| Premises and equipment expense | $66,000 | 7,663 |
| Additional noninterest expense | $147,000 | 7,817 |
| Pre-tax net operating income | $-24,000 | 8,726 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-61,000 | 9,095 |
| Income before extraordinary items | $37,000 | 8,530 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $37,000 | 8,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $37,000 | 8,404 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 8,220 |
| Total interest expense | $171,000 | 7,471 |
| Net interest income | $217,000 | 8,459 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $12,000 | 8,928 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $201,000 | 8,330 |
| Salaries and employee benefits | $115,000 | 8,280 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $54,000 | 8,376 |
| Pre-tax net operating income | $26,000 | 8,369 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-30,000 | 9,136 |
| Income before extraordinary items | $56,000 | 7,763 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $56,000 | 7,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $56,000 | 7,620 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 8,018 |
| Total interest expense | $865,000 | 7,309 |
| Net interest income | $988,000 | 8,279 |
| Provision for loan and lease losses | $225,000 | 4,105 |
| Total noninterest income | $50,000 | 8,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $50,000 | 7,605 |
| Total noninterest expense | $760,000 | 8,423 |
| Salaries and employee benefits | $431,000 | 8,398 |
| Premises and equipment expense | $113,000 | 7,983 |
| Additional noninterest expense | $216,000 | 8,439 |
| Pre-tax net operating income | $53,000 | 8,464 |
| Securities gains (losses) | $38,000 | 2,649 |
| Applicable income taxes | $153,000 | 5,497 |
| Income before extraordinary items | $-62,000 | 8,807 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-62,000 | 8,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,866 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-86,320 | 8,761 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,063,000 | 8,149 |
| Total interest expense | $1,249,000 | 7,516 |
| Net interest income | $814,000 | 8,638 |
| Provision for loan and lease losses | $61,000 | 6,339 |
| Total noninterest income | $66,000 | 8,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $66,000 | 7,230 |
| Total noninterest expense | $644,000 | 8,816 |
| Salaries and employee benefits | $422,000 | 8,530 |
| Premises and equipment expense | $109,000 | 8,166 |
| Additional noninterest expense | $113,000 | 9,295 |
| Pre-tax net operating income | $175,000 | 8,000 |
| Securities gains (losses) | $46,000 | 2,438 |
| Applicable income taxes | $58,000 | 6,573 |
| Income before extraordinary items | $163,000 | 7,945 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $163,000 | 7,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $128,960 | 8,057 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,017,000 | 8,393 |
| Total interest expense | $1,166,000 | 7,875 |
| Net interest income | $851,000 | 8,791 |
| Provision for loan and lease losses | $41,000 | 6,834 |
| Total noninterest income | $60,000 | 9,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $60,000 | 7,469 |
| Total noninterest expense | $612,000 | 9,060 |
| Salaries and employee benefits | $394,000 | 8,778 |
| Premises and equipment expense | $103,000 | 8,389 |
| Additional noninterest expense | $115,000 | 9,534 |
| Pre-tax net operating income | $258,000 | 8,085 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $88,000 | 6,675 |
| Income before extraordinary items | $170,000 | 8,279 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $170,000 | 8,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $170,000 | 8,286 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 8,650 |
| Total interest expense | $1,054,000 | 8,037 |
| Net interest income | $811,000 | 9,039 |
| Provision for loan and lease losses | $41,000 | 6,835 |
| Total noninterest income | $58,000 | 9,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $58,000 | 7,783 |
| Total noninterest expense | $570,000 | 9,414 |
| Salaries and employee benefits | $361,000 | 9,122 |
| Premises and equipment expense | $92,000 | 8,784 |
| Additional noninterest expense | $117,000 | 9,798 |
| Pre-tax net operating income | $258,000 | 8,298 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $85,000 | 7,134 |
| Income before extraordinary items | $173,000 | 8,483 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $173,000 | 8,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $173,000 | 8,447 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,789,000 | 8,942 |
| Total interest expense | $1,053,000 | 8,274 |
| Net interest income | $736,000 | 9,409 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $57,000 | 9,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $593,000 | 9,461 |
| Salaries and employee benefits | $353,000 | 9,276 |
| Premises and equipment expense | $98,000 | 8,759 |
| Additional noninterest expense | $142,000 | 9,733 |
| Pre-tax net operating income | $143,000 | 9,214 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $50,000 | 8,328 |
| Income before extraordinary items | $94,000 | 9,377 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $94,000 | 9,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $93,350 | 9,321 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,651,000 | 9,494 |
| Total interest expense | $997,000 | 8,698 |
| Net interest income | $654,000 | 10,052 |
| Provision for loan and lease losses | $7,000 | 8,548 |
| Total noninterest income | $53,000 | 10,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $53,000 | 8,302 |
| Total noninterest expense | $525,000 | 10,034 |
| Salaries and employee benefits | $320,000 | 9,809 |
| Premises and equipment expense | $100,000 | 8,967 |
| Additional noninterest expense | $105,000 | 10,492 |
| Pre-tax net operating income | $175,000 | 9,708 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $35,000 | 9,485 |
| Income before extraordinary items | $140,000 | 9,669 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $140,000 | 9,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $140,000 | 9,624 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 10,002 |
| Total interest expense | $951,000 | 9,181 |
| Net interest income | $630,000 | 10,573 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $37,000 | 11,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $37,000 | 9,496 |
| Total noninterest expense | $655,000 | 9,973 |
| Salaries and employee benefits | $316,000 | 10,223 |
| Premises and equipment expense | $86,000 | 9,652 |
| Additional noninterest expense | $253,000 | 9,368 |
| Pre-tax net operating income | $12,000 | 10,734 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $9,000 | 10,382 |
| Income before extraordinary items | $3,000 | 10,805 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,000 | 10,800 |
| 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 | $3,000 | 10,757 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 10,436 |
| Total interest expense | $904,000 | 9,604 |
| Net interest income | $647,000 | 10,984 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $35,000 | 11,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $519,000 | 10,944 |
| Salaries and employee benefits | $302,000 | 10,731 |
| Premises and equipment expense | $91,000 | 9,885 |
| Additional noninterest expense | $126,000 | 11,366 |
| Pre-tax net operating income | $162,000 | 10,702 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $126,000 | 10,690 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $126,000 | 10,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $126,000 | 10,670 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,408,000 | 10,912 |
| Total interest expense | $696,000 | 10,110 |
| Net interest income | $712,000 | 11,339 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $48,000 | 11,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $48,000 | 9,719 |
| Total noninterest expense | $507,000 | 11,585 |
| Salaries and employee benefits | $288,000 | 11,318 |
| Premises and equipment expense | $84,000 | 10,524 |
| Additional noninterest expense | $135,000 | 11,965 |
| Pre-tax net operating income | $250,000 | 10,486 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $56,000 | 10,313 |
| Income before extraordinary items | $194,000 | 10,341 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $194,000 | 10,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $194,000 | 10,385 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 11,264 |
| Total interest expense | $738,000 | 10,371 |
| Net interest income | $753,000 | 11,688 |
| Provision for loan and lease losses | $-22,000 | 12,596 |
| Total noninterest income | $49,000 | 12,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $49,000 | 10,159 |
| Total noninterest expense | $476,000 | 12,284 |
| Salaries and employee benefits | $258,000 | 12,095 |
| Premises and equipment expense | $85,000 | 10,978 |
| Additional noninterest expense | $133,000 | 12,624 |
| Pre-tax net operating income | $348,000 | 9,826 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $132,000 | 9,038 |
| Income before extraordinary items | $216,000 | 10,461 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $216,000 | 10,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $216,000 | 10,214 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 11,535 |
| Total interest expense | $978,000 | 10,502 |
| Net interest income | $711,000 | 12,273 |
| Provision for loan and lease losses | $11,000 | 11,121 |
| Total noninterest income | $49,000 | 13,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $49,000 | 10,461 |
| Total noninterest expense | $433,000 | 13,004 |
| Salaries and employee benefits | $226,000 | 12,873 |
| Premises and equipment expense | $88,000 | 11,176 |
| Additional noninterest expense | $119,000 | 13,341 |
| Pre-tax net operating income | $316,000 | 9,980 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $134,000 | 9,024 |
| Income before extraordinary items | $182,000 | 10,841 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $182,000 | 10,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $182,000 | 10,505 |
* 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.