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Pendleton Federal Savings and Loan Association, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,200,000	7,034
Total interest expense	$1,990,000	6,115
Net interest income	$1,210,000	7,860
Provision for loan and lease losses	$559,000	2,018
Total noninterest income	$194,000	7,370
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$194,000	4,999
Total noninterest expense	$4,237,000	3,251
Salaries and employee benefits	$449,000	8,403
Premises and equipment expense	$230,000	6,354
Additional noninterest expense	$3,558,000	1,313
Pre-tax net operating income	$-3,392,000	9,541
Securities gains (losses)	$20,000	3,157
Applicable income taxes	$-136,000	9,316
Income before extraordinary items	$-3,236,000	9,553
Extraordinary gains, net	$0	105
Net income	$-3,236,000	9,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$570,000	1,417
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-3,255,200	9,541
2000-12-31 (YTD Data)		Rank
Total interest income	$3,045,000	7,363
Total interest expense	$1,948,000	6,350
Net interest income	$1,097,000	8,291
Provision for loan and lease losses	$40,000	6,852
Total noninterest income	$173,000	7,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$173,000	5,141
Total noninterest expense	$1,456,000	6,853
Salaries and employee benefits	$845,000	6,525
Premises and equipment expense	$222,000	6,429
Additional noninterest expense	$389,000	7,232
Pre-tax net operating income	$-226,000	9,361
Securities gains (losses)	$5,000	1,371
Applicable income taxes	$-12,000	9,336
Income before extraordinary items	$-209,000	9,383
Extraordinary gains, net	$0	38
Net income	$-209,000	9,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$65,000	6,264
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-213,750	9,384
1999-12-31 (YTD Data)		Rank
Total interest income	$2,662,000	7,730
Total interest expense	$1,522,000	6,924
Net interest income	$1,140,000	8,319
Provision for loan and lease losses	$11,000	8,085
Total noninterest income	$166,000	7,898
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$166,000	5,360
Total noninterest expense	$1,325,000	7,232
Salaries and employee benefits	$797,000	6,764
Premises and equipment expense	$211,000	6,631
Additional noninterest expense	$317,000	7,989
Pre-tax net operating income	$-30,000	9,464
Securities gains (losses)	$21,000	1,369
Applicable income taxes	$39,000	7,833
Income before extraordinary items	$-48,000	9,512
Extraordinary gains, net	$0	35
Net income	$-48,000	9,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,803
Cash dividends	$45,000	6,667
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-69,000	9,516
1998-12-31 (YTD Data)		Rank
Total interest income	$2,701,000	7,871
Total interest expense	$1,545,000	7,096
Net interest income	$1,156,000	8,434
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$177,000	7,857
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$177,000	5,269
Total noninterest expense	$923,000	8,363
Salaries and employee benefits	$461,000	8,603
Premises and equipment expense	$110,000	8,488
Additional noninterest expense	$352,000	7,647
Pre-tax net operating income	$398,000	7,889
Securities gains (losses)	$21,000	2,394
Applicable income taxes	$150,000	6,830
Income before extraordinary items	$269,000	8,113
Extraordinary gains, net	$0	32
Net income	$269,000	8,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$255,560	8,144
1997-12-31 (YTD Data)		Rank
Total interest income	$2,579,000	8,275
Total interest expense	$1,405,000	7,570
Net interest income	$1,174,000	8,745
Provision for loan and lease losses	$44,000	6,908
Total noninterest income	$136,000	8,802
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$136,000	5,951
Total noninterest expense	$1,058,000	8,143
Salaries and employee benefits	$371,000	9,446
Premises and equipment expense	$364,000	4,761
Additional noninterest expense	$323,000	8,096
Pre-tax net operating income	$208,000	9,532
Securities gains (losses)	$0	3,944
Applicable income taxes	$70,000	8,905
Income before extraordinary items	$138,000	9,698
Extraordinary gains, net	$0	44
Net income	$138,000	9,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$51,000	7,153
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$138,000	9,650
1996-12-31 (YTD Data)		Rank
Total interest income	$2,226,000	9,061
Total interest expense	$1,214,000	8,338
Net interest income	$1,012,000	9,523
Provision for loan and lease losses	$18,000	8,074
Total noninterest income	$137,000	9,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$137,000	6,227
Total noninterest expense	$812,000	9,389
Salaries and employee benefits	$307,000	10,287
Premises and equipment expense	$156,000	7,919
Additional noninterest expense	$349,000	8,368
Pre-tax net operating income	$319,000	8,996
Securities gains (losses)	$0	4,148
Applicable income taxes	$115,000	8,483
Income before extraordinary items	$204,000	9,254
Extraordinary gains, net	$0	53
Net income	$204,000	9,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$93,000	6,856
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$204,000	9,199
1995-12-31 (YTD Data)		Rank
Total interest income	$1,951,000	9,801
Total interest expense	$1,155,000	8,738
Net interest income	$796,000	10,547
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$116,000	9,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$116,000	6,743
Total noninterest expense	$689,000	10,231
Salaries and employee benefits	$336,000	10,435
Premises and equipment expense	$76,000	10,320
Additional noninterest expense	$277,000	9,525
Pre-tax net operating income	$211,000	10,394
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$65,000	9,880
Income before extraordinary items	$148,000	10,478
Extraordinary gains, net	$0	65
Net income	$148,000	10,482
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	$146,620	10,467
1994-12-31 (YTD Data)		Rank
Total interest income	$1,621,000	10,490
Total interest expense	$893,000	9,167
Net interest income	$728,000	11,284
Provision for loan and lease losses	$12,000	8,270
Total noninterest income	$87,000	11,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$87,000	7,945
Total noninterest expense	$551,000	11,349
Salaries and employee benefits	$271,000	11,468
Premises and equipment expense	$2,000	12,577
Additional noninterest expense	$278,000	10,206
Pre-tax net operating income	$252,000	10,472
Securities gains (losses)	$0	3,600
Applicable income taxes	$106,000	9,219
Income before extraordinary items	$146,000	10,866
Extraordinary gains, net	$48,000	162
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	$146,000	10,921
1993-12-31 (YTD Data)		Rank
Total interest income	$1,552,000	11,113
Total interest expense	$786,000	10,118
Net interest income	$766,000	11,637
Provision for loan and lease losses	$11,000	9,693
Total noninterest income	$74,000	11,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$74,000	8,889
Total noninterest expense	$412,000	12,592
Salaries and employee benefits	$237,000	12,305
Premises and equipment expense	$2,000	13,254
Additional noninterest expense	$173,000	12,113
Pre-tax net operating income	$417,000	9,278
Securities gains (losses)	$0	7,477
Applicable income taxes	$140,000	8,855
Income before extraordinary items	$277,000	9,730
Extraordinary gains, net	$0	3,149
Net income	$277,000	9,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	7,224
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$277,000	9,471
1992-12-31 (YTD Data)		Rank
Total interest income	$1,585,000	11,761
Total interest expense	$854,000	11,073
Net interest income	$731,000	12,179
Provision for loan and lease losses	$18,000	10,694
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$52,000	10,289
Total noninterest expense	$343,000	13,427
Salaries and employee benefits	$173,000	13,379
Premises and equipment expense	$60,000	12,283
Additional noninterest expense	$110,000	13,433
Pre-tax net operating income	$422,000	9,047
Securities gains (losses)	$0	8,369
Applicable income taxes	$147,000	8,689
Income before extraordinary items	$275,000	9,620
Extraordinary gains, net	$0	1,422
Net income	$275,000	9,756
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	13,107
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$275,000	9,252

* 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.