Home > Bay Federal Savings Bank > Income and Expense
Bay Federal Savings Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $282,000 | 13,189 |
| Total interest expense | $1,015,000 | 9,036 |
| Net interest income | $-733,000 | 13,259 |
| Provision for loan and lease losses | $-688,000 | 13,198 |
| Total noninterest income | $455,000 | 5,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $455,000 | 3,464 |
| Total noninterest expense | $1,062,000 | 9,475 |
| Salaries and employee benefits | $313,000 | 11,521 |
| Premises and equipment expense | $288,000 | 6,054 |
| Additional noninterest expense | $461,000 | 8,605 |
| Pre-tax net operating income | $-652,000 | 12,899 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-652,000 | 12,932 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-652,000 | 12,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,974 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-652,000 | 12,887 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 12,806 |
| Total interest expense | $2,230,000 | 6,558 |
| Net interest income | $-1,120,000 | 13,927 |
| Provision for loan and lease losses | $2,141,000 | 1,096 |
| Total noninterest income | $360,000 | 6,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $360,000 | 3,961 |
| Total noninterest expense | $6,285,000 | 2,320 |
| Salaries and employee benefits | $494,000 | 9,840 |
| Premises and equipment expense | $418,000 | 4,643 |
| Additional noninterest expense | $5,373,000 | 1,242 |
| Pre-tax net operating income | $-9,186,000 | 13,863 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-9,186,000 | 13,851 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-9,186,000 | 13,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,169,000 | 596 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-9,186,000 | 13,831 |
* 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.