Home > The Lenox Savings Bank > Income and Expense
The Lenox Savings Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,293,000 | 6,530 |
| Total interest expense | $1,461,000 | 4,228 |
| Net interest income | $832,000 | 8,019 |
| Provision for loan and lease losses | $310,000 | 2,456 |
| Total noninterest income | $240,000 | 6,509 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $42,000 | 7,400 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $198,000 | 4,819 |
| Total noninterest expense | $1,362,000 | 6,288 |
| Salaries and employee benefits | $768,000 | 6,146 |
| Premises and equipment expense | $114,000 | 7,377 |
| Additional noninterest expense | $480,000 | 5,766 |
| Pre-tax net operating income | $-600,000 | 8,997 |
| Securities gains (losses) | $12,000 | 3,246 |
| Applicable income taxes | $-200,000 | 9,118 |
| Income before extraordinary items | $-388,000 | 8,989 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-388,000 | 8,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,223 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-395,920 | 8,927 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 6,460 |
| Total interest expense | $977,000 | 4,312 |
| Net interest income | $607,000 | 7,884 |
| Provision for loan and lease losses | $280,000 | 1,947 |
| Total noninterest income | $201,000 | 5,995 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $172,000 | 4,316 |
| Total noninterest expense | $911,000 | 6,294 |
| Salaries and employee benefits | $528,000 | 6,056 |
| Premises and equipment expense | $80,000 | 7,290 |
| Additional noninterest expense | $303,000 | 5,950 |
| Pre-tax net operating income | $-383,000 | 9,025 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $-126,000 | 9,155 |
| Income before extraordinary items | $-245,000 | 9,036 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-245,000 | 9,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 1,843 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-252,920 | 8,970 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $854,000 | 6,260 |
| Total interest expense | $498,000 | 4,352 |
| Net interest income | $356,000 | 7,570 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $121,000 | 5,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $462,000 | 6,254 |
| Salaries and employee benefits | $271,000 | 5,968 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $147,000 | 6,005 |
| Pre-tax net operating income | $-9,000 | 8,760 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $2,000 | 8,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,904 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-6,040 | 8,709 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,843,000 | 6,038 |
| Total interest expense | $2,272,000 | 4,417 |
| Net interest income | $1,571,000 | 7,315 |
| Provision for loan and lease losses | $94,000 | 5,835 |
| Total noninterest income | $471,000 | 5,380 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $73,000 | 7,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $398,000 | 3,712 |
| Total noninterest expense | $1,929,000 | 5,999 |
| Salaries and employee benefits | $1,067,000 | 5,905 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $637,000 | 5,719 |
| Pre-tax net operating income | $19,000 | 8,576 |
| Securities gains (losses) | $16,000 | 3,321 |
| Applicable income taxes | $12,000 | 7,232 |
| Income before extraordinary items | $23,000 | 8,656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $23,000 | 8,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,681 |
| Cash dividends | $60,000 | 5,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,440 | 8,608 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,783,000 | 5,768 |
| Total interest expense | $3,099,000 | 4,606 |
| Net interest income | $1,684,000 | 7,006 |
| Provision for loan and lease losses | $247,000 | 3,659 |
| Total noninterest income | $685,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $76,000 | 7,054 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $609,000 | 2,802 |
| Total noninterest expense | $1,982,000 | 5,759 |
| Salaries and employee benefits | $1,114,000 | 5,601 |
| Premises and equipment expense | $226,000 | 6,403 |
| Additional noninterest expense | $642,000 | 5,597 |
| Pre-tax net operating income | $140,000 | 8,142 |
| Securities gains (losses) | $-25,000 | 9,392 |
| Applicable income taxes | $35,000 | 6,977 |
| Income before extraordinary items | $80,000 | 8,446 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $80,000 | 8,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,411 |
| Cash dividends | $30,000 | 6,329 |
| Sale, conversion, retirement of capital stock, net | $754,000 | 450 |
| Net operating income | $97,500 | 8,250 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,362,000 | 5,481 |
| Total interest expense | $3,823,000 | 4,125 |
| Net interest income | $1,539,000 | 7,407 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $343,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 7,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,034 |
| Total noninterest expense | $1,725,000 | 6,223 |
| Salaries and employee benefits | $894,000 | 6,338 |
| Premises and equipment expense | $195,000 | 6,852 |
| Additional noninterest expense | $636,000 | 5,557 |
| Pre-tax net operating income | $107,000 | 8,774 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $43,000 | 7,354 |
| Income before extraordinary items | $64,000 | 8,905 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $64,000 | 8,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $64,000 | 8,890 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,478,000 | 5,955 |
| Total interest expense | $2,968,000 | 4,648 |
| Net interest income | $1,510,000 | 7,568 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $219,000 | 7,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 7,665 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,429 |
| Total noninterest expense | $1,621,000 | 6,485 |
| Salaries and employee benefits | $713,000 | 7,170 |
| Premises and equipment expense | $301,000 | 5,454 |
| Additional noninterest expense | $607,000 | 5,778 |
| Pre-tax net operating income | $68,000 | 9,183 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $33,000 | 7,937 |
| Income before extraordinary items | $40,000 | 9,285 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $40,000 | 9,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $36,800 | 9,265 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 6,574 |
| Total interest expense | $2,400,000 | 5,518 |
| Net interest income | $1,484,000 | 7,722 |
| Provision for loan and lease losses | $17,000 | 7,887 |
| Total noninterest income | $264,000 | 6,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,040 |
| Total noninterest expense | $1,363,000 | 7,060 |
| Salaries and employee benefits | $676,000 | 7,329 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $519,000 | 6,304 |
| Pre-tax net operating income | $368,000 | 8,043 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $136,000 | 7,036 |
| Income before extraordinary items | $244,000 | 8,287 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $244,000 | 8,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 903 |
| Net operating income | $236,320 | 8,265 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 7,106 |
| Total interest expense | $2,055,000 | 6,163 |
| Net interest income | $1,499,000 | 7,984 |
| Provision for loan and lease losses | $11,000 | 8,366 |
| Total noninterest income | $104,000 | 9,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $1,202,000 | 7,672 |
| Salaries and employee benefits | $545,000 | 8,284 |
| Premises and equipment expense | $143,000 | 7,962 |
| Additional noninterest expense | $514,000 | 6,392 |
| Pre-tax net operating income | $390,000 | 8,497 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $145,000 | 7,681 |
| Income before extraordinary items | $245,000 | 8,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $245,000 | 8,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 810 |
| Net operating income | $245,000 | 8,751 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 7,558 |
| Total interest expense | $1,970,000 | 6,464 |
| Net interest income | $1,379,000 | 8,570 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 8,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 9,892 |
| Total noninterest expense | $1,249,000 | 7,834 |
| Salaries and employee benefits | $430,000 | 9,395 |
| Premises and equipment expense | $129,000 | 8,550 |
| Additional noninterest expense | $690,000 | 5,800 |
| Pre-tax net operating income | $226,000 | 9,621 |
| Securities gains (losses) | $38,000 | 1,523 |
| Applicable income taxes | $80,000 | 9,145 |
| Income before extraordinary items | $184,000 | 9,454 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $184,000 | 9,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,546,000 | 330 |
| Net operating income | $157,400 | 9,656 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 8,227 |
| Total interest expense | $1,844,000 | 6,797 |
| Net interest income | $1,143,000 | 9,506 |
| Provision for loan and lease losses | $2,000 | 8,854 |
| Total noninterest income | $77,000 | 10,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 8,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,268 |
| Total noninterest expense | $1,174,000 | 8,297 |
| Salaries and employee benefits | $410,000 | 9,868 |
| Premises and equipment expense | $144,000 | 8,429 |
| Additional noninterest expense | $620,000 | 6,405 |
| Pre-tax net operating income | $44,000 | 11,333 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $15,000 | 10,835 |
| Income before extraordinary items | $29,000 | 11,392 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $29,000 | 11,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $29,000 | 11,357 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,733,000 | 8,497 |
| Total interest expense | $1,632,000 | 6,522 |
| Net interest income | $1,101,000 | 10,064 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $77,000 | 11,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $1,046,000 | 9,187 |
| Salaries and employee benefits | $397,000 | 10,314 |
| Premises and equipment expense | $146,000 | 8,661 |
| Additional noninterest expense | $503,000 | 7,819 |
| Pre-tax net operating income | $132,000 | 11,395 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $38,000 | 10,742 |
| Income before extraordinary items | $108,000 | 11,310 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $108,000 | 11,315 |
| 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 | $97,640 | 11,450 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 8,048 |
| Total interest expense | $1,826,000 | 6,272 |
| Net interest income | $1,353,000 | 9,566 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,123 |
| Total noninterest expense | $971,000 | 9,860 |
| Salaries and employee benefits | $355,000 | 11,094 |
| Premises and equipment expense | $136,000 | 9,286 |
| Additional noninterest expense | $480,000 | 8,427 |
| Pre-tax net operating income | $453,000 | 9,001 |
| Securities gains (losses) | $58,000 | 3,190 |
| Applicable income taxes | $166,000 | 8,293 |
| Income before extraordinary items | $345,000 | 8,988 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $345,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $305,560 | 9,164 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,486,000 | 8,206 |
| Total interest expense | $2,232,000 | 6,554 |
| Net interest income | $1,254,000 | 10,119 |
| Provision for loan and lease losses | $-3,000 | 13,433 |
| Total noninterest income | $95,000 | 11,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $95,000 | 8,250 |
| Total noninterest expense | $854,000 | 10,738 |
| Salaries and employee benefits | $365,000 | 11,283 |
| Premises and equipment expense | $333,000 | 5,565 |
| Additional noninterest expense | $156,000 | 12,847 |
| Pre-tax net operating income | $498,000 | 8,422 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $185,000 | 7,849 |
| Income before extraordinary items | $323,000 | 9,017 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $323,000 | 9,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $316,600 | 8,717 |
* 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.