Home > First Federal Savings and Loan Association > Income and Expense
First Federal Savings and Loan Association, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 6,208 |
| Total interest expense | $671,000 | 4,784 |
| Net interest income | $954,000 | 6,786 |
| Provision for loan and lease losses | $106,000 | 3,370 |
| Total noninterest income | $85,000 | 7,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $85,000 | 5,489 |
| Total noninterest expense | $977,000 | 6,062 |
| Salaries and employee benefits | $644,000 | 5,477 |
| Premises and equipment expense | $157,000 | 5,529 |
| Additional noninterest expense | $176,000 | 7,423 |
| Pre-tax net operating income | $-44,000 | 8,622 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-4,000 | 8,743 |
| Income before extraordinary items | $-40,000 | 8,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-40,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,980 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-40,000 | 8,616 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 6,154 |
| Total interest expense | $350,000 | 4,704 |
| Net interest income | $482,000 | 6,789 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $45,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $463,000 | 6,306 |
| Salaries and employee benefits | $307,000 | 5,675 |
| Premises and equipment expense | $73,000 | 5,767 |
| Additional noninterest expense | $83,000 | 7,555 |
| Pre-tax net operating income | $46,000 | 7,970 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,000 | 6,056 |
| Income before extraordinary items | $32,000 | 8,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $32,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $32,000 | 8,046 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,671,000 | 5,910 |
| Total interest expense | $1,810,000 | 4,338 |
| Net interest income | $1,861,000 | 6,805 |
| Provision for loan and lease losses | $49,000 | 6,327 |
| Total noninterest income | $211,000 | 7,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $211,000 | 5,184 |
| Total noninterest expense | $1,787,000 | 6,369 |
| Salaries and employee benefits | $1,143,000 | 5,805 |
| Premises and equipment expense | $306,000 | 5,616 |
| Additional noninterest expense | $338,000 | 7,521 |
| Pre-tax net operating income | $236,000 | 7,694 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $39,000 | 6,450 |
| Income before extraordinary items | $197,000 | 7,781 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $197,000 | 7,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,445 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $197,000 | 7,650 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,832,000 | 5,893 |
| Total interest expense | $1,425,000 | 4,293 |
| Net interest income | $1,407,000 | 6,820 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $165,000 | 7,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $165,000 | 5,155 |
| Total noninterest expense | $1,317,000 | 6,402 |
| Salaries and employee benefits | $834,000 | 5,874 |
| Premises and equipment expense | $231,000 | 5,572 |
| Additional noninterest expense | $252,000 | 7,541 |
| Pre-tax net operating income | $210,000 | 7,669 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $29,000 | 6,592 |
| Income before extraordinary items | $181,000 | 7,703 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $181,000 | 7,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,015 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $181,000 | 7,557 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 5,835 |
| Total interest expense | $1,002,000 | 4,249 |
| Net interest income | $947,000 | 6,804 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $101,000 | 7,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $101,000 | 5,311 |
| Total noninterest expense | $871,000 | 6,436 |
| Salaries and employee benefits | $548,000 | 5,931 |
| Premises and equipment expense | $154,000 | 5,570 |
| Additional noninterest expense | $169,000 | 7,523 |
| Pre-tax net operating income | $177,000 | 7,407 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $112,000 | 7,830 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $112,000 | 7,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,031 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $112,000 | 7,658 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $995,000 | 5,787 |
| Total interest expense | $519,000 | 4,218 |
| Net interest income | $476,000 | 6,782 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $57,000 | 7,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $422,000 | 6,552 |
| Salaries and employee benefits | $269,000 | 5,991 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $81,000 | 7,638 |
| Pre-tax net operating income | $111,000 | 7,026 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $70,000 | 7,482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 7,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,357 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $70,000 | 7,334 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,613,000 | 5,454 |
| Total interest expense | $2,373,000 | 4,270 |
| Net interest income | $2,240,000 | 6,263 |
| Provision for loan and lease losses | $93,000 | 5,851 |
| Total noninterest income | $263,000 | 6,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $263,000 | 4,528 |
| Total noninterest expense | $1,686,000 | 6,483 |
| Salaries and employee benefits | $1,077,000 | 5,876 |
| Premises and equipment expense | $302,000 | 5,555 |
| Additional noninterest expense | $307,000 | 7,758 |
| Pre-tax net operating income | $724,000 | 6,001 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $241,000 | 4,824 |
| Income before extraordinary items | $483,000 | 6,483 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $483,000 | 6,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,350 |
| Cash dividends | $459,000 | 3,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $483,000 | 6,332 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,729,000 | 5,135 |
| Total interest expense | $3,542,000 | 4,169 |
| Net interest income | $2,187,000 | 6,144 |
| Provision for loan and lease losses | $182,000 | 4,327 |
| Total noninterest income | $252,000 | 6,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $252,000 | 4,478 |
| Total noninterest expense | $1,582,000 | 6,616 |
| Salaries and employee benefits | $1,005,000 | 5,960 |
| Premises and equipment expense | $283,000 | 5,716 |
| Additional noninterest expense | $294,000 | 7,907 |
| Pre-tax net operating income | $675,000 | 5,913 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $256,000 | 4,575 |
| Income before extraordinary items | $425,000 | 6,431 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $425,000 | 6,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,838 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $421,160 | 6,328 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,922,000 | 5,131 |
| Total interest expense | $4,075,000 | 3,912 |
| Net interest income | $1,847,000 | 6,824 |
| Provision for loan and lease losses | $28,000 | 7,325 |
| Total noninterest income | $258,000 | 6,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $258,000 | 4,231 |
| Total noninterest expense | $1,581,000 | 6,533 |
| Salaries and employee benefits | $988,000 | 5,960 |
| Premises and equipment expense | $237,000 | 6,234 |
| Additional noninterest expense | $356,000 | 7,507 |
| Pre-tax net operating income | $496,000 | 7,022 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $176,000 | 5,654 |
| Income before extraordinary items | $318,000 | 7,364 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $318,000 | 7,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $319,280 | 7,356 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,808,000 | 5,703 |
| Total interest expense | $3,028,000 | 4,562 |
| Net interest income | $1,780,000 | 7,042 |
| Provision for loan and lease losses | $66,000 | 6,005 |
| Total noninterest income | $157,000 | 8,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $157,000 | 5,495 |
| Total noninterest expense | $1,500,000 | 6,782 |
| Salaries and employee benefits | $941,000 | 6,137 |
| Premises and equipment expense | $222,000 | 6,470 |
| Additional noninterest expense | $337,000 | 7,815 |
| Pre-tax net operating income | $371,000 | 7,735 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $146,000 | 6,331 |
| Income before extraordinary items | $225,000 | 8,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $225,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,568 |
| Cash dividends | $450,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $225,000 | 8,091 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 6,043 |
| Total interest expense | $2,914,000 | 4,839 |
| Net interest income | $1,610,000 | 7,450 |
| Provision for loan and lease losses | $102,000 | 5,052 |
| Total noninterest income | $114,000 | 8,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $114,000 | 6,324 |
| Total noninterest expense | $1,426,000 | 6,890 |
| Salaries and employee benefits | $885,000 | 6,274 |
| Premises and equipment expense | $198,000 | 6,740 |
| Additional noninterest expense | $343,000 | 7,721 |
| Pre-tax net operating income | $196,000 | 8,922 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $102,000 | 7,498 |
| Income before extraordinary items | $94,000 | 9,377 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $94,000 | 9,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,956 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $94,000 | 9,314 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,325,000 | 6,366 |
| Total interest expense | $2,687,000 | 5,121 |
| Net interest income | $1,638,000 | 7,690 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $106,000 | 9,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $106,000 | 6,624 |
| Total noninterest expense | $1,262,000 | 7,470 |
| Salaries and employee benefits | $826,000 | 6,652 |
| Premises and equipment expense | $145,000 | 7,919 |
| Additional noninterest expense | $291,000 | 8,412 |
| Pre-tax net operating income | $477,000 | 8,052 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $165,000 | 7,393 |
| Income before extraordinary items | $311,000 | 8,298 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $311,000 | 8,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 10,459 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $311,650 | 8,247 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,076,000 | 6,787 |
| Total interest expense | $2,347,000 | 5,760 |
| Net interest income | $1,729,000 | 7,703 |
| Provision for loan and lease losses | $215,000 | 3,255 |
| Total noninterest income | $68,000 | 10,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $68,000 | 8,163 |
| Total noninterest expense | $1,514,000 | 7,074 |
| Salaries and employee benefits | $690,000 | 7,596 |
| Premises and equipment expense | $126,000 | 8,634 |
| Additional noninterest expense | $698,000 | 5,760 |
| Pre-tax net operating income | $68,000 | 10,518 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $43,000 | 9,812 |
| Income before extraordinary items | $25,000 | 10,714 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $25,000 | 10,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $25,000 | 10,659 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 7,510 |
| Total interest expense | $2,038,000 | 6,380 |
| Net interest income | $1,496,000 | 8,549 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $72,000 | 10,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $1,084,000 | 8,639 |
| Salaries and employee benefits | $631,000 | 8,176 |
| Premises and equipment expense | $119,000 | 9,075 |
| Additional noninterest expense | $334,000 | 8,872 |
| Pre-tax net operating income | $459,000 | 8,696 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $159,000 | 8,113 |
| Income before extraordinary items | $300,000 | 8,939 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $300,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $300,000 | 8,905 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 7,834 |
| Total interest expense | $1,670,000 | 6,420 |
| Net interest income | $1,475,000 | 8,951 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $67,000 | 11,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,000,000 | 9,350 |
| Salaries and employee benefits | $551,000 | 8,950 |
| Premises and equipment expense | $119,000 | 9,419 |
| Additional noninterest expense | $330,000 | 9,596 |
| Pre-tax net operating income | $438,000 | 9,073 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $168,000 | 7,964 |
| Income before extraordinary items | $270,000 | 9,489 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $270,000 | 9,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $270,000 | 9,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 7,698 |
| Total interest expense | $1,677,000 | 6,684 |
| Net interest income | $1,709,000 | 8,468 |
| Provision for loan and lease losses | $53,000 | 7,335 |
| Total noninterest income | $29,000 | 12,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $29,000 | 11,374 |
| Total noninterest expense | $969,000 | 9,880 |
| Salaries and employee benefits | $488,000 | 9,786 |
| Premises and equipment expense | $126,000 | 9,610 |
| Additional noninterest expense | $355,000 | 9,784 |
| Pre-tax net operating income | $716,000 | 7,276 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $244,000 | 6,893 |
| Income before extraordinary items | $472,000 | 7,777 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $472,000 | 7,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $472,000 | 7,513 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,868,000 | 7,683 |
| Total interest expense | $2,074,000 | 6,937 |
| Net interest income | $1,794,000 | 8,364 |
| Provision for loan and lease losses | $-57,000 | 13,640 |
| Total noninterest income | $31,000 | 13,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $994,000 | 10,009 |
| Salaries and employee benefits | $465,000 | 10,142 |
| Premises and equipment expense | $107,000 | 10,495 |
| Additional noninterest expense | $421,000 | 9,322 |
| Pre-tax net operating income | $888,000 | 6,151 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $344,000 | 5,418 |
| Income before extraordinary items | $544,000 | 6,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $544,000 | 7,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $544,000 | 6,602 |
* 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.