Home > Orchard Federal Savings Bank > Income and Expense
Orchard Federal Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,360,000 | 1,119 |
| Total interest expense | $15,889,000 | 976 |
| Net interest income | $13,471,000 | 1,290 |
| Provision for loan and lease losses | $-300,000 | 10,163 |
| Total noninterest income | $4,079,000 | 1,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,079,000 | 735 |
| Total noninterest expense | $10,816,000 | 1,272 |
| Salaries and employee benefits | $5,288,000 | 1,316 |
| Premises and equipment expense | $1,068,000 | 1,921 |
| Additional noninterest expense | $4,460,000 | 1,058 |
| Pre-tax net operating income | $7,034,000 | 1,103 |
| Securities gains (losses) | $58,000 | 936 |
| Applicable income taxes | $2,856,000 | 914 |
| Income before extraordinary items | $4,236,000 | 1,277 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,236,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,405 |
| Cash dividends | $118,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $20,033,000 | 33 |
| Net operating income | $4,198,880 | 1,268 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,054,000 | 2,318 |
| Total interest expense | $7,862,000 | 1,951 |
| Net interest income | $6,192,000 | 2,772 |
| Provision for loan and lease losses | $176,000 | 3,841 |
| Total noninterest income | $3,727,000 | 1,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,727,000 | 790 |
| Total noninterest expense | $6,592,000 | 1,982 |
| Salaries and employee benefits | $2,936,000 | 2,294 |
| Premises and equipment expense | $834,000 | 2,344 |
| Additional noninterest expense | $2,822,000 | 1,530 |
| Pre-tax net operating income | $3,151,000 | 2,267 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,232,000 | 1,949 |
| Income before extraordinary items | $1,919,000 | 2,646 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,919,000 | 2,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,414 |
| Cash dividends | $126,000 | 5,999 |
| Sale, conversion, retirement of capital stock, net | $6,733,000 | 178 |
| Net operating income | $1,919,000 | 2,567 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,133,000 | 3,536 |
| Total interest expense | $5,356,000 | 2,794 |
| Net interest income | $3,777,000 | 4,443 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $1,226,000 | 2,588 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,226,000 | 1,527 |
| Total noninterest expense | $2,491,000 | 4,789 |
| Salaries and employee benefits | $1,214,000 | 5,044 |
| Premises and equipment expense | $440,000 | 4,114 |
| Additional noninterest expense | $837,000 | 4,576 |
| Pre-tax net operating income | $2,502,000 | 2,912 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $919,000 | 2,612 |
| Income before extraordinary items | $1,583,000 | 3,199 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,583,000 | 3,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $124,000 | 6,196 |
| Sale, conversion, retirement of capital stock, net | $2,644,000 | 336 |
| Net operating income | $1,583,000 | 3,135 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,950,000 | 5,217 |
| Total interest expense | $3,680,000 | 3,999 |
| Net interest income | $2,270,000 | 6,622 |
| Provision for loan and lease losses | $489,000 | 1,768 |
| Total noninterest income | $1,156,000 | 2,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,156,000 | 1,643 |
| Total noninterest expense | $1,988,000 | 5,965 |
| Salaries and employee benefits | $819,000 | 6,893 |
| Premises and equipment expense | $344,000 | 5,065 |
| Additional noninterest expense | $825,000 | 5,091 |
| Pre-tax net operating income | $949,000 | 5,921 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $368,000 | 5,153 |
| Income before extraordinary items | $585,000 | 6,358 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $585,000 | 6,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $63,000 | 7,315 |
| Sale, conversion, retirement of capital stock, net | $1,800,000 | 314 |
| Net operating income | $582,440 | 6,314 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 7,035 |
| Total interest expense | $2,644,000 | 5,314 |
| Net interest income | $1,324,000 | 9,005 |
| Provision for loan and lease losses | $-4,000 | 11,365 |
| Total noninterest income | $861,000 | 3,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $861,000 | 2,001 |
| Total noninterest expense | $1,094,000 | 8,599 |
| Salaries and employee benefits | $483,000 | 9,260 |
| Premises and equipment expense | $202,000 | 7,153 |
| Additional noninterest expense | $409,000 | 8,102 |
| Pre-tax net operating income | $1,095,000 | 5,620 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $477,000 | 4,345 |
| Income before extraordinary items | $618,000 | 6,507 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $618,000 | 6,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $618,000 | 6,500 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,666,000 | 8,622 |
| Total interest expense | $1,527,000 | 6,822 |
| Net interest income | $1,139,000 | 9,940 |
| Provision for loan and lease losses | $1,000 | 9,105 |
| Total noninterest income | $621,000 | 4,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $621,000 | 2,523 |
| Total noninterest expense | $919,000 | 9,688 |
| Salaries and employee benefits | $386,000 | 10,410 |
| Premises and equipment expense | $195,000 | 7,536 |
| Additional noninterest expense | $338,000 | 9,495 |
| Pre-tax net operating income | $840,000 | 6,679 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $364,000 | 5,112 |
| Income before extraordinary items | $476,000 | 7,485 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $476,000 | 7,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $476,000 | 7,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,058,000 | 8,232 |
| Total interest expense | $1,779,000 | 6,388 |
| Net interest income | $1,279,000 | 9,810 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $721,000 | 11,066 |
| Salaries and employee benefits | $272,000 | 11,958 |
| Premises and equipment expense | $137,000 | 9,260 |
| Additional noninterest expense | $312,000 | 10,293 |
| Pre-tax net operating income | $630,000 | 7,743 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $276,000 | 6,401 |
| Income before extraordinary items | $354,000 | 8,898 |
| Extraordinary gains, net | $109,000 | 1,493 |
| Net income | $463,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $426,000 | 634 |
| Net operating income | $354,000 | 8,637 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 11,675 |
| Total interest expense | $966,000 | 10,555 |
| Net interest income | $655,000 | 12,493 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $125,000 | 11,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $125,000 | 7,308 |
| Total noninterest expense | $487,000 | 12,703 |
| Salaries and employee benefits | $211,000 | 13,035 |
| Premises and equipment expense | $107,000 | 10,495 |
| Additional noninterest expense | $169,000 | 12,668 |
| Pre-tax net operating income | $293,000 | 10,205 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $93,000 | 10,093 |
| Income before extraordinary items | $203,000 | 10,551 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $203,000 | 10,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $200,930 | 10,251 |
* 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.