Home > Community Federal Savings Bank > Income and Expense
Community Federal Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,425,000 | 7,035 |
| Total interest expense | $1,750,000 | 6,661 |
| Net interest income | $1,675,000 | 7,335 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $165,000 | 8,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $165,000 | 5,440 |
| Total noninterest expense | $1,137,000 | 7,714 |
| Salaries and employee benefits | $738,000 | 6,988 |
| Premises and equipment expense | $195,000 | 6,798 |
| Additional noninterest expense | $204,000 | 9,077 |
| Pre-tax net operating income | $703,000 | 6,463 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $277,000 | 5,396 |
| Income before extraordinary items | $426,000 | 7,060 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $426,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $505,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $426,000 | 6,962 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,436,000 | 7,234 |
| Total interest expense | $1,692,000 | 6,898 |
| Net interest income | $1,744,000 | 7,443 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $166,000 | 8,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $166,000 | 5,423 |
| Total noninterest expense | $1,129,000 | 7,912 |
| Salaries and employee benefits | $695,000 | 7,340 |
| Premises and equipment expense | $187,000 | 7,075 |
| Additional noninterest expense | $247,000 | 8,886 |
| Pre-tax net operating income | $781,000 | 6,628 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $314,000 | 5,598 |
| Income before extraordinary items | $467,000 | 7,188 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $467,000 | 7,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $2,800,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $467,000 | 7,135 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 7,635 |
| Total interest expense | $1,655,000 | 7,203 |
| Net interest income | $1,614,000 | 7,995 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $109,000 | 9,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $1,080,000 | 8,403 |
| Salaries and employee benefits | $600,000 | 8,124 |
| Premises and equipment expense | $112,000 | 8,981 |
| Additional noninterest expense | $368,000 | 8,171 |
| Pre-tax net operating income | $643,000 | 7,208 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $231,000 | 6,694 |
| Income before extraordinary items | $412,000 | 7,520 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $412,000 | 7,518 |
| 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 | $412,000 | 7,463 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 7,876 |
| Total interest expense | $1,563,000 | 7,524 |
| Net interest income | $1,679,000 | 8,070 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $84,000 | 10,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $84,000 | 7,808 |
| Total noninterest expense | $822,000 | 9,676 |
| Salaries and employee benefits | $530,000 | 8,854 |
| Premises and equipment expense | $106,000 | 9,444 |
| Additional noninterest expense | $186,000 | 10,608 |
| Pre-tax net operating income | $941,000 | 6,230 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $356,000 | 5,372 |
| Income before extraordinary items | $585,000 | 6,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $585,000 | 6,696 |
| 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 | $585,000 | 6,689 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,188,000 | 7,778 |
| Total interest expense | $1,340,000 | 7,424 |
| Net interest income | $1,848,000 | 7,922 |
| Provision for loan and lease losses | $145,000 | 3,683 |
| Total noninterest income | $139,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $581,000 | 11,223 |
| Salaries and employee benefits | $352,000 | 10,712 |
| Premises and equipment expense | $99,000 | 10,067 |
| Additional noninterest expense | $130,000 | 12,021 |
| Pre-tax net operating income | $1,261,000 | 5,051 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $413,000 | 4,656 |
| Income before extraordinary items | $848,000 | 5,129 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $848,000 | 5,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,005,000 | 237 |
| Net operating income | $848,000 | 5,177 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 7,889 |
| Total interest expense | $1,555,000 | 7,035 |
| Net interest income | $1,713,000 | 8,459 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $84,000 | 11,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $512,000 | 12,107 |
| Salaries and employee benefits | $265,000 | 12,025 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $150,000 | 12,427 |
| Pre-tax net operating income | $1,285,000 | 4,907 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $579,000 | 3,709 |
| Income before extraordinary items | $706,000 | 6,074 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $706,000 | 6,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $706,000 | 5,803 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,519,000 | 8,158 |
| Total interest expense | $2,018,000 | 7,075 |
| Net interest income | $1,501,000 | 9,276 |
| Provision for loan and lease losses | $-21,000 | 13,532 |
| Total noninterest income | $49,000 | 13,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $49,000 | 10,461 |
| Total noninterest expense | $506,000 | 12,602 |
| Salaries and employee benefits | $257,000 | 12,531 |
| Premises and equipment expense | $97,000 | 10,832 |
| Additional noninterest expense | $152,000 | 12,921 |
| Pre-tax net operating income | $1,065,000 | 5,376 |
| Securities gains (losses) | $46,000 | 4,268 |
| Applicable income taxes | $472,000 | 4,192 |
| Income before extraordinary items | $639,000 | 6,301 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $639,000 | 6,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $609,560 | 6,140 |
* 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.