Home > Bell Federal Savings and Loan Association > Income and Expense
Bell Federal Savings and Loan Association, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $27,723,000 | 786 |
| Total interest expense | $26,708,000 | 299 |
| Net interest income | $1,015,000 | 7,631 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,046,000 | 1,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,046,000 | 1,211 |
| Total noninterest expense | $19,656,000 | 649 |
| Salaries and employee benefits | $17,255,000 | 404 |
| Premises and equipment expense | $896,000 | 1,917 |
| Additional noninterest expense | $1,505,000 | 2,383 |
| Pre-tax net operating income | $-16,595,000 | 9,233 |
| Securities gains (losses) | $3,703,000 | 182 |
| Applicable income taxes | $-6,389,000 | 9,231 |
| Income before extraordinary items | $-6,503,000 | 9,220 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-6,503,000 | 9,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $4,500,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-8,872,920 | 9,211 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,562,000 | 746 |
| Total interest expense | $14,769,000 | 357 |
| Net interest income | $4,793,000 | 2,041 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,396,000 | 1,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,396,000 | 1,195 |
| Total noninterest expense | $2,965,000 | 2,630 |
| Salaries and employee benefits | $1,750,000 | 2,408 |
| Premises and equipment expense | $651,000 | 1,743 |
| Additional noninterest expense | $564,000 | 3,884 |
| Pre-tax net operating income | $3,224,000 | 1,327 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $-163,000 | 9,171 |
| Income before extraordinary items | $3,396,000 | 982 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,396,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $4,500,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,387,000 | 910 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,161,000 | 721 |
| Total interest expense | $7,475,000 | 368 |
| Net interest income | $2,686,000 | 1,816 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $711,000 | 1,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $711,000 | 1,154 |
| Total noninterest expense | $1,547,000 | 2,502 |
| Salaries and employee benefits | $924,000 | 2,275 |
| Premises and equipment expense | $327,000 | 1,748 |
| Additional noninterest expense | $296,000 | 3,686 |
| Pre-tax net operating income | $1,850,000 | 1,170 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $-48,000 | 9,177 |
| Income before extraordinary items | $1,900,000 | 882 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,900,000 | 881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $2,250,000 | 358 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,898,000 | 810 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $48,134,000 | 639 |
| Total interest expense | $32,699,000 | 385 |
| Net interest income | $15,435,000 | 1,243 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $2,767,000 | 1,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,767,000 | 1,053 |
| Total noninterest expense | $5,262,000 | 2,797 |
| Salaries and employee benefits | $2,695,000 | 2,915 |
| Premises and equipment expense | $1,272,000 | 1,741 |
| Additional noninterest expense | $1,295,000 | 3,386 |
| Pre-tax net operating income | $12,940,000 | 679 |
| Securities gains (losses) | $846,000 | 472 |
| Applicable income taxes | $4,843,000 | 605 |
| Income before extraordinary items | $8,943,000 | 713 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,943,000 | 714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $8,000,000 | 427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,393,100 | 721 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $49,837,000 | 705 |
| Total interest expense | $40,882,000 | 443 |
| Net interest income | $8,955,000 | 1,990 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,961,000 | 2,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,961,000 | 1,264 |
| Total noninterest expense | $5,020,000 | 2,819 |
| Salaries and employee benefits | $2,628,000 | 2,832 |
| Premises and equipment expense | $1,222,000 | 1,774 |
| Additional noninterest expense | $1,170,000 | 3,587 |
| Pre-tax net operating income | $5,896,000 | 1,265 |
| Securities gains (losses) | $1,175,000 | 369 |
| Applicable income taxes | $-124,000 | 9,300 |
| Income before extraordinary items | $7,195,000 | 775 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,195,000 | 775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $8,000,000 | 436 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,020,000 | 871 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $55,576,000 | 661 |
| Total interest expense | $40,027,000 | 500 |
| Net interest income | $15,549,000 | 1,130 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,531,000 | 2,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,531,000 | 1,360 |
| Total noninterest expense | $5,340,000 | 2,551 |
| Salaries and employee benefits | $2,816,000 | 2,540 |
| Premises and equipment expense | $1,072,000 | 1,944 |
| Additional noninterest expense | $1,452,000 | 2,898 |
| Pre-tax net operating income | $11,740,000 | 682 |
| Securities gains (losses) | $138,000 | 494 |
| Applicable income taxes | $4,037,000 | 642 |
| Income before extraordinary items | $7,841,000 | 700 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,841,000 | 700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $4,000,000 | 747 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,749,920 | 705 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $55,697,000 | 628 |
| Total interest expense | $37,003,000 | 485 |
| Net interest income | $18,694,000 | 942 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,300,000 | 2,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,300,000 | 1,535 |
| Total noninterest expense | $5,999,000 | 2,277 |
| Salaries and employee benefits | $3,276,000 | 2,145 |
| Premises and equipment expense | $1,081,000 | 1,895 |
| Additional noninterest expense | $1,642,000 | 2,625 |
| Pre-tax net operating income | $13,875,000 | 632 |
| Securities gains (losses) | $45,000 | 1,019 |
| Applicable income taxes | $5,363,000 | 571 |
| Income before extraordinary items | $8,557,000 | 697 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,557,000 | 697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $8,000,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,528,200 | 686 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $50,701,000 | 674 |
| Total interest expense | $33,226,000 | 532 |
| Net interest income | $17,475,000 | 965 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $1,020,000 | 3,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,020,000 | 1,827 |
| Total noninterest expense | $5,561,000 | 2,356 |
| Salaries and employee benefits | $3,294,000 | 2,048 |
| Premises and equipment expense | $1,023,000 | 1,931 |
| Additional noninterest expense | $1,244,000 | 3,264 |
| Pre-tax net operating income | $12,844,000 | 643 |
| Securities gains (losses) | $87,000 | 1,375 |
| Applicable income taxes | $5,042,000 | 577 |
| Income before extraordinary items | $7,889,000 | 721 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,889,000 | 721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $7,000,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,833,320 | 700 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $49,214,000 | 703 |
| Total interest expense | $32,713,000 | 545 |
| Net interest income | $16,501,000 | 1,067 |
| Provision for loan and lease losses | $45,000 | 6,862 |
| Total noninterest income | $1,167,000 | 2,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,167,000 | 1,586 |
| Total noninterest expense | $5,088,000 | 2,521 |
| Salaries and employee benefits | $3,104,000 | 2,125 |
| Premises and equipment expense | $784,000 | 2,465 |
| Additional noninterest expense | $1,200,000 | 3,359 |
| Pre-tax net operating income | $12,535,000 | 666 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $4,931,000 | 608 |
| Income before extraordinary items | $7,608,000 | 739 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,608,000 | 740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,783 |
| Cash dividends | $618,000 | 3,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,605,440 | 723 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $39,600,000 | 887 |
| Total interest expense | $22,688,000 | 767 |
| Net interest income | $16,912,000 | 1,071 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $1,293,000 | 2,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,293,000 | 1,516 |
| Total noninterest expense | $8,029,000 | 1,766 |
| Salaries and employee benefits | $2,948,000 | 2,257 |
| Premises and equipment expense | $782,000 | 2,504 |
| Additional noninterest expense | $4,299,000 | 1,284 |
| Pre-tax net operating income | $10,086,000 | 781 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $3,843,000 | 727 |
| Income before extraordinary items | $6,245,000 | 863 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,245,000 | 864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,243,720 | 840 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $32,734,000 | 1,079 |
| Total interest expense | $18,741,000 | 932 |
| Net interest income | $13,993,000 | 1,289 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,016,000 | 3,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,016,000 | 1,783 |
| Total noninterest expense | $5,085,000 | 2,670 |
| Salaries and employee benefits | $2,435,000 | 2,746 |
| Premises and equipment expense | $940,000 | 2,140 |
| Additional noninterest expense | $1,710,000 | 2,735 |
| Pre-tax net operating income | $9,924,000 | 834 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,815,000 | 753 |
| Income before extraordinary items | $6,109,000 | 897 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,109,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $6,109,000 | 888 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,453,000 | 1,185 |
| Total interest expense | $14,733,000 | 928 |
| Net interest income | $11,720,000 | 1,536 |
| Provision for loan and lease losses | $-9,000 | 11,747 |
| Total noninterest income | $974,000 | 3,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $974,000 | 1,868 |
| Total noninterest expense | $4,688,000 | 2,946 |
| Salaries and employee benefits | $2,008,000 | 3,271 |
| Premises and equipment expense | $967,000 | 2,092 |
| Additional noninterest expense | $1,713,000 | 2,949 |
| Pre-tax net operating income | $8,015,000 | 961 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $3,002,000 | 870 |
| Income before extraordinary items | $5,013,000 | 1,014 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,013,000 | 1,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,013,000 | 1,028 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $26,764,000 | 1,188 |
| Total interest expense | $14,832,000 | 938 |
| Net interest income | $11,932,000 | 1,512 |
| Provision for loan and lease losses | $93,000 | 5,955 |
| Total noninterest income | $1,071,000 | 3,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,071,000 | 1,946 |
| Total noninterest expense | $4,509,000 | 3,113 |
| Salaries and employee benefits | $1,908,000 | 3,417 |
| Premises and equipment expense | $892,000 | 2,296 |
| Additional noninterest expense | $1,709,000 | 3,116 |
| Pre-tax net operating income | $8,401,000 | 878 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $3,293,000 | 784 |
| Income before extraordinary items | $5,108,000 | 1,007 |
| Extraordinary gains, net | $-276,000 | 13,093 |
| Net income | $4,832,000 | 1,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,649 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,108,000 | 946 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $27,464,000 | 1,327 |
| Total interest expense | $16,679,000 | 1,083 |
| Net interest income | $10,785,000 | 1,705 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $2,016,000 | 1,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,016,000 | 1,234 |
| Total noninterest expense | $4,382,000 | 3,237 |
| Salaries and employee benefits | $1,742,000 | 3,670 |
| Premises and equipment expense | $999,000 | 2,096 |
| Additional noninterest expense | $1,641,000 | 3,332 |
| Pre-tax net operating income | $8,419,000 | 765 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,884,000 | 815 |
| Income before extraordinary items | $5,535,000 | 865 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,535,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,054,000 | 1,509 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,535,000 | 789 |
* 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.