Home > Village Savings Bank, F.S.B. > Income and Expense
Village Savings Bank, F.S.B., Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,034,000 | 7,609 |
| Total interest expense | $413,000 | 6,895 |
| Net interest income | $621,000 | 7,826 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $152,000 | 6,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $152,000 | 4,553 |
| Total noninterest expense | $377,000 | 8,384 |
| Salaries and employee benefits | $165,000 | 8,693 |
| Premises and equipment expense | $33,000 | 8,592 |
| Additional noninterest expense | $179,000 | 7,412 |
| Pre-tax net operating income | $394,000 | 5,901 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $129,000 | 4,742 |
| Income before extraordinary items | $265,000 | 6,394 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $265,000 | 6,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $265,000 | 6,188 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $550,000 | 7,527 |
| Total interest expense | $216,000 | 6,859 |
| Net interest income | $334,000 | 7,704 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $70,000 | 6,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $184,000 | 8,457 |
| Salaries and employee benefits | $82,000 | 8,740 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $86,000 | 7,511 |
| Pre-tax net operating income | $219,000 | 5,626 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $72,000 | 4,550 |
| Income before extraordinary items | $147,000 | 6,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $147,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $147,000 | 5,876 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,149,000 | 7,687 |
| Total interest expense | $1,106,000 | 6,670 |
| Net interest income | $1,043,000 | 8,206 |
| Provision for loan and lease losses | $7,000 | 7,905 |
| Total noninterest income | $195,000 | 7,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 5,085 |
| Total noninterest expense | $710,000 | 8,523 |
| Salaries and employee benefits | $361,000 | 8,653 |
| Premises and equipment expense | $63,000 | 8,706 |
| Additional noninterest expense | $286,000 | 7,903 |
| Pre-tax net operating income | $521,000 | 6,689 |
| Securities gains (losses) | $36,000 | 2,681 |
| Applicable income taxes | $186,000 | 5,213 |
| Income before extraordinary items | $371,000 | 6,977 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $371,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $346,880 | 6,976 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,930,000 | 8,289 |
| Total interest expense | $1,266,000 | 7,472 |
| Net interest income | $664,000 | 8,914 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $62,000 | 9,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $62,000 | 7,340 |
| Total noninterest expense | $557,000 | 9,040 |
| Salaries and employee benefits | $329,000 | 8,937 |
| Premises and equipment expense | $59,000 | 8,992 |
| Additional noninterest expense | $169,000 | 8,915 |
| Pre-tax net operating income | $163,000 | 8,052 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $55,000 | 6,623 |
| Income before extraordinary items | $108,000 | 8,280 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $108,000 | 8,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $108,000 | 8,175 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 9,003 |
| Total interest expense | $939,000 | 8,359 |
| Net interest income | $519,000 | 9,433 |
| Provision for loan and lease losses | $13,000 | 7,828 |
| Total noninterest income | $38,000 | 9,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $38,000 | 8,238 |
| Total noninterest expense | $521,000 | 9,339 |
| Salaries and employee benefits | $283,000 | 9,338 |
| Premises and equipment expense | $66,000 | 9,056 |
| Additional noninterest expense | $172,000 | 9,046 |
| Pre-tax net operating income | $23,000 | 9,045 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $7,000 | 8,144 |
| Income before extraordinary items | $16,000 | 9,084 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $16,000 | 9,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $16,000 | 9,072 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 9,717 |
| Total interest expense | $556,000 | 9,316 |
| Net interest income | $322,000 | 9,930 |
| Provision for loan and lease losses | $23,000 | 7,570 |
| Total noninterest income | $19,000 | 9,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $19,000 | 9,296 |
| Total noninterest expense | $564,000 | 9,429 |
| Salaries and employee benefits | $208,000 | 9,887 |
| Premises and equipment expense | $59,000 | 9,453 |
| Additional noninterest expense | $297,000 | 8,144 |
| Pre-tax net operating income | $-246,000 | 9,670 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-84,000 | 9,893 |
| Income before extraordinary items | $-162,000 | 9,640 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-162,000 | 9,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-162,000 | 9,617 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $128,000 | 10,396 |
| Total interest expense | $68,000 | 10,329 |
| Net interest income | $60,000 | 10,410 |
| Provision for loan and lease losses | $2,000 | 8,582 |
| Total noninterest income | $2,000 | 10,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,000 | 10,319 |
| Total noninterest expense | $285,000 | 10,282 |
| Salaries and employee benefits | $141,000 | 10,286 |
| Premises and equipment expense | $28,000 | 10,205 |
| Additional noninterest expense | $116,000 | 9,996 |
| Pre-tax net operating income | $-225,000 | 10,014 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-76,000 | 10,182 |
| Income before extraordinary items | $-149,000 | 9,995 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-149,000 | 9,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-149,000 | 9,960 |
* 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.