Home > Orange Savings Bank > Income and Expense
Orange Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,565,000 | 4,740 |
| Total interest expense | $2,943,000 | 4,800 |
| Net interest income | $3,622,000 | 4,603 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $402,000 | 5,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 4,789 |
| Total noninterest expense | $2,462,000 | 4,834 |
| Salaries and employee benefits | $937,000 | 6,121 |
| Premises and equipment expense | $251,000 | 6,044 |
| Additional noninterest expense | $1,274,000 | 3,177 |
| Pre-tax net operating income | $1,442,000 | 4,635 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $971,000 | 4,804 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $971,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,440 |
| Cash dividends | $770,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $971,000 | 4,744 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,166,000 | 4,479 |
| Total interest expense | $3,762,000 | 3,926 |
| Net interest income | $3,404,000 | 4,940 |
| Provision for loan and lease losses | $210,000 | 3,297 |
| Total noninterest income | $367,000 | 6,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,503 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,709 |
| Total noninterest expense | $2,290,000 | 5,362 |
| Salaries and employee benefits | $1,088,000 | 5,627 |
| Premises and equipment expense | $220,000 | 6,686 |
| Additional noninterest expense | $982,000 | 4,467 |
| Pre-tax net operating income | $1,271,000 | 4,916 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $390,000 | 4,962 |
| Income before extraordinary items | $888,000 | 4,924 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $888,000 | 4,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,238 |
| Cash dividends | $698,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $883,170 | 4,889 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,716,000 | 4,722 |
| Total interest expense | $3,094,000 | 4,624 |
| Net interest income | $3,622,000 | 4,709 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $464,000 | 5,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,708 |
| Total noninterest expense | $2,606,000 | 4,823 |
| Salaries and employee benefits | $1,129,000 | 5,484 |
| Premises and equipment expense | $224,000 | 6,765 |
| Additional noninterest expense | $1,253,000 | 3,610 |
| Pre-tax net operating income | $1,360,000 | 4,801 |
| Securities gains (losses) | $83,000 | 1,045 |
| Applicable income taxes | $433,000 | 4,664 |
| Income before extraordinary items | $1,010,000 | 4,575 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,010,000 | 4,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,496 |
| Cash dividends | $333,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $951,900 | 4,779 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,795,000 | 5,023 |
| Total interest expense | $2,507,000 | 4,645 |
| Net interest income | $3,288,000 | 5,214 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $253,000 | 7,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,901 |
| Total noninterest expense | $2,752,000 | 4,762 |
| Salaries and employee benefits | $945,000 | 6,387 |
| Premises and equipment expense | $251,000 | 6,508 |
| Additional noninterest expense | $1,556,000 | 3,195 |
| Pre-tax net operating income | $777,000 | 6,990 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $345,000 | 5,334 |
| Income before extraordinary items | $433,000 | 7,869 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $433,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,318 |
| Cash dividends | $145,000 | 6,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $432,360 | 7,933 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 5,034 |
| Total interest expense | $2,667,000 | 4,552 |
| Net interest income | $3,216,000 | 5,323 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $297,000 | 7,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,291 |
| Total noninterest expense | $2,162,000 | 5,952 |
| Salaries and employee benefits | $858,000 | 6,977 |
| Premises and equipment expense | $250,000 | 6,673 |
| Additional noninterest expense | $1,054,000 | 4,699 |
| Pre-tax net operating income | $1,261,000 | 4,993 |
| Securities gains (losses) | $-21,000 | 12,925 |
| Applicable income taxes | $91,000 | 9,959 |
| Income before extraordinary items | $1,149,000 | 4,176 |
| Extraordinary gains, net | $50,000 | 2,172 |
| Net income | $1,199,000 | 4,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 12,190 |
| Cash dividends | $144,000 | 6,205 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 1,020 |
| Net operating income | $1,168,530 | 3,915 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,401,000 | 5,210 |
| Total interest expense | $3,412,000 | 4,646 |
| Net interest income | $2,989,000 | 5,731 |
| Provision for loan and lease losses | $262,000 | 4,478 |
| Total noninterest income | $253,000 | 8,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,823 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,224 |
| Total noninterest expense | $3,135,000 | 4,346 |
| Salaries and employee benefits | $861,000 | 6,865 |
| Premises and equipment expense | $219,000 | 7,420 |
| Additional noninterest expense | $2,055,000 | 2,736 |
| Pre-tax net operating income | $-155,000 | 13,027 |
| Securities gains (losses) | $91,000 | 3,163 |
| Applicable income taxes | $465,000 | 4,242 |
| Income before extraordinary items | $-529,000 | 13,391 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-529,000 | 13,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 4,906 |
| Cash dividends | $143,000 | 5,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-620,000 | 13,334 |
* 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.