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Pennwood Savings Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$3,976,000	6,387
Total interest expense	$1,993,000	6,013
Net interest income	$1,983,000	6,684
Provision for loan and lease losses	$195,000	3,609
Total noninterest income	$120,000	8,526
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	7,557
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	7,783
Total noninterest expense	$1,764,000	6,151
Salaries and employee benefits	$728,000	7,095
Premises and equipment expense	$261,000	5,901
Additional noninterest expense	$775,000	4,910
Pre-tax net operating income	$144,000	8,835
Securities gains (losses)	$22,000	1,340
Applicable income taxes	$87,000	7,116
Income before extraordinary items	$79,000	9,099
Extraordinary gains, net	$0	35
Net income	$79,000	9,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	2,549
Cash dividends	$1,000,000	2,245
Sale, conversion, retirement of capital stock, net	$123,000	769
Net operating income	$64,920	9,139
1998-12-31 (YTD Data)		Rank
Total interest income	$3,808,000	6,655
Total interest expense	$1,781,000	6,586
Net interest income	$2,027,000	6,625
Provision for loan and lease losses	$305,000	2,543
Total noninterest income	$136,000	8,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,421
Total noninterest expense	$1,452,000	6,821
Salaries and employee benefits	$683,000	7,283
Premises and equipment expense	$185,000	6,955
Additional noninterest expense	$584,000	5,860
Pre-tax net operating income	$406,000	7,847
Securities gains (losses)	$29,000	2,139
Applicable income taxes	$159,000	6,730
Income before extraordinary items	$276,000	8,067
Extraordinary gains, net	$0	32
Net income	$276,000	8,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,246
Cash dividends	$1,150,000	2,015
Sale, conversion, retirement of capital stock, net	$-403,000	10,390
Net operating income	$257,440	8,127
1997-12-31 (YTD Data)		Rank
Total interest income	$3,787,000	6,862
Total interest expense	$1,727,000	6,830
Net interest income	$2,060,000	6,792
Provision for loan and lease losses	$48,000	6,747
Total noninterest income	$81,000	9,741
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	8,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,432
Total noninterest expense	$1,309,000	7,309
Salaries and employee benefits	$627,000	7,740
Premises and equipment expense	$204,000	6,772
Additional noninterest expense	$478,000	6,694
Pre-tax net operating income	$784,000	6,609
Securities gains (losses)	$0	3,944
Applicable income taxes	$241,000	6,346
Income before extraordinary items	$543,000	6,714
Extraordinary gains, net	$0	44
Net income	$543,000	6,716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,640
Cash dividends	$1,700,000	1,477
Sale, conversion, retirement of capital stock, net	$535,000	531
Net operating income	$543,000	6,656
1996-12-31 (YTD Data)		Rank
Total interest income	$3,480,000	7,424
Total interest expense	$1,661,000	7,184
Net interest income	$1,819,000	7,528
Provision for loan and lease losses	$67,000	5,924
Total noninterest income	$81,000	10,262
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	9,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,116
Total noninterest expense	$1,515,000	7,069
Salaries and employee benefits	$547,000	8,518
Premises and equipment expense	$185,000	7,320
Additional noninterest expense	$783,000	5,288
Pre-tax net operating income	$318,000	9,005
Securities gains (losses)	$0	4,148
Applicable income taxes	$98,000	8,783
Income before extraordinary items	$220,000	9,108
Extraordinary gains, net	$0	53
Net income	$220,000	9,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$240,000	2,410
Cash dividends	$43,000	7,669
Sale, conversion, retirement of capital stock, net	$5,175,000	140
Net operating income	$220,000	9,053
1995-12-31 (YTD Data)		Rank
Total interest income	$3,406,000	7,679
Total interest expense	$1,701,000	7,142
Net interest income	$1,705,000	8,002
Provision for loan and lease losses	$426,000	1,780
Total noninterest income	$25,000	11,724
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	10,071
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,604
Total noninterest expense	$1,135,000	8,444
Salaries and employee benefits	$489,000	9,211
Premises and equipment expense	$175,000	7,710
Additional noninterest expense	$471,000	7,511
Pre-tax net operating income	$169,000	10,657
Securities gains (losses)	$100,000	965
Applicable income taxes	$77,000	9,650
Income before extraordinary items	$192,000	10,019
Extraordinary gains, net	$0	65
Net income	$192,000	10,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$324,000	1,852
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$121,000	10,709
1994-12-31 (YTD Data)		Rank
Total interest income	$2,914,000	8,195
Total interest expense	$1,471,000	6,973
Net interest income	$1,443,000	9,033
Provision for loan and lease losses	$136,000	3,812
Total noninterest income	$93,000	10,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	10,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,774
Total noninterest expense	$1,265,000	8,372
Salaries and employee benefits	$379,000	10,473
Premises and equipment expense	$204,000	7,342
Additional noninterest expense	$682,000	6,455
Pre-tax net operating income	$135,000	11,377
Securities gains (losses)	$0	3,600
Applicable income taxes	$57,000	10,297
Income before extraordinary items	$78,000	11,588
Extraordinary gains, net	$90,000	123
Net income	$168,000	10,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,872
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$78,000	11,634
1993-12-31 (YTD Data)		Rank
Total interest income	$2,833,000	8,606
Total interest expense	$1,502,000	7,200
Net interest income	$1,331,000	9,640
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$130,000	10,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	7,013
Total noninterest expense	$1,087,000	9,370
Salaries and employee benefits	$327,000	11,382
Premises and equipment expense	$199,000	7,707
Additional noninterest expense	$561,000	7,675
Pre-tax net operating income	$354,000	9,781
Securities gains (losses)	$0	7,477
Applicable income taxes	$151,000	8,625
Income before extraordinary items	$203,000	10,615
Extraordinary gains, net	$0	3,149
Net income	$203,000	10,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	7,435
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$203,000	10,382
1992-12-31 (YTD Data)		Rank
Total interest income	$3,059,000	8,878
Total interest expense	$1,814,000	7,578
Net interest income	$1,245,000	10,158
Provision for loan and lease losses	$58,000	8,742
Total noninterest income	$112,000	11,406
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,000	5,212
Additional Noninterest Income	$124,000	7,335
Total noninterest expense	$844,000	10,790
Salaries and employee benefits	$326,000	11,716
Premises and equipment expense	$249,000	6,794
Additional noninterest expense	$269,000	11,288
Pre-tax net operating income	$455,000	8,758
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$124,000	9,259
Income before extraordinary items	$336,000	8,872
Extraordinary gains, net	$0	1,422
Net income	$336,000	9,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	13,172
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$332,350	8,548

* 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.