Home > Amerifirst Bank > Income and Expense
Amerifirst Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,132,000 | 1,926 |
| Total interest expense | $9,285,000 | 1,668 |
| Net interest income | $7,847,000 | 2,236 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $10,815,000 | 538 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $477,000 | 2,738 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $10,338,000 | 399 |
| Total noninterest expense | $8,115,000 | 1,624 |
| Salaries and employee benefits | $2,949,000 | 2,247 |
| Premises and equipment expense | $893,000 | 2,199 |
| Additional noninterest expense | $4,273,000 | 1,085 |
| Pre-tax net operating income | $10,127,000 | 808 |
| Securities gains (losses) | $-91,000 | 10,753 |
| Applicable income taxes | $3,576,000 | 800 |
| Income before extraordinary items | $6,460,000 | 854 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,460,000 | 856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 891 |
| Cash dividends | $9,000,000 | 393 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,518,240 | 828 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,557,000 | 1,551 |
| Total interest expense | $12,290,000 | 1,311 |
| Net interest income | $9,267,000 | 1,935 |
| Provision for loan and lease losses | $1,265,000 | 851 |
| Total noninterest income | $2,649,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $633,000 | 2,136 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,016,000 | 1,152 |
| Total noninterest expense | $10,251,000 | 1,401 |
| Salaries and employee benefits | $2,901,000 | 2,290 |
| Premises and equipment expense | $1,105,000 | 1,815 |
| Additional noninterest expense | $6,245,000 | 968 |
| Pre-tax net operating income | $400,000 | 8,504 |
| Securities gains (losses) | $72,000 | 1,121 |
| Applicable income taxes | $-17,000 | 10,978 |
| Income before extraordinary items | $489,000 | 6,973 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $489,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,179,000 | 812 |
| Cash dividends | $2,900,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $417,000 | 7,423 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,183,000 | 1,528 |
| Total interest expense | $12,759,000 | 1,302 |
| Net interest income | $9,424,000 | 1,902 |
| Provision for loan and lease losses | $432,000 | 1,760 |
| Total noninterest income | $2,068,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $619,000 | 2,189 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,449,000 | 1,399 |
| Total noninterest expense | $8,230,000 | 1,708 |
| Salaries and employee benefits | $2,820,000 | 2,354 |
| Premises and equipment expense | $1,112,000 | 1,816 |
| Additional noninterest expense | $4,298,000 | 1,263 |
| Pre-tax net operating income | $2,830,000 | 2,546 |
| Securities gains (losses) | $62,000 | 1,174 |
| Applicable income taxes | $850,000 | 2,742 |
| Income before extraordinary items | $2,042,000 | 2,462 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,042,000 | 2,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,893 |
| Cash dividends | $750,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,997,980 | 2,492 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,749,000 | 1,730 |
| Total interest expense | $7,660,000 | 1,645 |
| Net interest income | $10,090,000 | 1,787 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $2,279,000 | 1,663 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $635,000 | 2,131 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,644,000 | 1,294 |
| Total noninterest expense | $8,878,000 | 1,658 |
| Salaries and employee benefits | $3,519,000 | 1,895 |
| Premises and equipment expense | $1,160,000 | 1,770 |
| Additional noninterest expense | $4,198,000 | 1,358 |
| Pre-tax net operating income | $3,491,000 | 2,044 |
| Securities gains (losses) | $200,000 | 500 |
| Applicable income taxes | $1,207,000 | 1,871 |
| Income before extraordinary items | $2,484,000 | 1,965 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,484,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $3,800,000 | 683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,350,000 | 2,097 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,629,000 | 1,607 |
| Total interest expense | $8,884,000 | 1,501 |
| Net interest income | $10,745,000 | 1,693 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $2,398,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $572,000 | 2,410 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,826,000 | 1,340 |
| Total noninterest expense | $8,782,000 | 1,727 |
| Salaries and employee benefits | $3,081,000 | 2,151 |
| Premises and equipment expense | $1,872,000 | 1,138 |
| Additional noninterest expense | $3,829,000 | 1,579 |
| Pre-tax net operating income | $3,961,000 | 1,740 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $1,432,000 | 1,633 |
| Income before extraordinary items | $2,556,000 | 1,955 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,556,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $1,206,000 | 1,508 |
| Sale, conversion, retirement of capital stock, net | $3,203,000 | 268 |
| Net operating income | $2,538,720 | 1,855 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,648,000 | 2,252 |
| Total interest expense | $9,589,000 | 1,783 |
| Net interest income | $6,059,000 | 3,020 |
| Provision for loan and lease losses | $1,249,000 | 1,598 |
| Total noninterest income | $976,000 | 3,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $976,000 | 2,041 |
| Total noninterest expense | $6,099,000 | 2,384 |
| Salaries and employee benefits | $2,909,000 | 2,239 |
| Premises and equipment expense | $968,000 | 2,160 |
| Additional noninterest expense | $2,221,000 | 2,563 |
| Pre-tax net operating income | $-313,000 | 13,181 |
| Securities gains (losses) | $356,000 | 1,382 |
| Applicable income taxes | $954,000 | 2,200 |
| Income before extraordinary items | $-911,000 | 13,530 |
| Extraordinary gains, net | $-649,000 | 13,842 |
| Net income | $-1,560,000 | 13,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,116,000 | 1,463 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,138,840 | 13,511 |
* 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.