Home > EFS Federal Savings Bank > Income and Expense
EFS Federal Savings Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,935,000 | 1,541 |
| Total interest expense | $13,138,000 | 1,231 |
| Net interest income | $8,797,000 | 2,023 |
| Provision for loan and lease losses | $725,000 | 1,619 |
| Total noninterest income | $2,231,000 | 1,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $498,000 | 85 |
| Additional Noninterest Income | $1,733,000 | 1,375 |
| Total noninterest expense | $1,927,000 | 5,879 |
| Salaries and employee benefits | $820,000 | 6,698 |
| Premises and equipment expense | $422,000 | 4,425 |
| Additional noninterest expense | $685,000 | 5,366 |
| Pre-tax net operating income | $8,376,000 | 903 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,439,000 | 995 |
| Income before extraordinary items | $5,937,000 | 922 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,937,000 | 922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,258 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,937,000 | 885 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,328,000 | 2,610 |
| Total interest expense | $8,662,000 | 1,992 |
| Net interest income | $4,666,000 | 3,681 |
| Provision for loan and lease losses | $671,000 | 1,471 |
| Total noninterest income | $8,767,000 | 640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $8,767,000 | 455 |
| Total noninterest expense | $8,984,000 | 1,560 |
| Salaries and employee benefits | $562,000 | 7,914 |
| Premises and equipment expense | $999,000 | 2,063 |
| Additional noninterest expense | $7,423,000 | 715 |
| Pre-tax net operating income | $3,778,000 | 1,935 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,281,000 | 1,722 |
| Income before extraordinary items | $2,497,000 | 2,088 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,497,000 | 2,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,871 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,497,000 | 2,086 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,122,000 | 3,855 |
| Total interest expense | $4,819,000 | 3,037 |
| Net interest income | $3,303,000 | 4,828 |
| Provision for loan and lease losses | $310,000 | 2,576 |
| Total noninterest income | $13,771,000 | 499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $13,771,000 | 371 |
| Total noninterest expense | $12,813,000 | 1,089 |
| Salaries and employee benefits | $382,000 | 8,990 |
| Premises and equipment expense | $1,020,000 | 2,011 |
| Additional noninterest expense | $11,411,000 | 549 |
| Pre-tax net operating income | $3,951,000 | 1,856 |
| Securities gains (losses) | $32,000 | 1,157 |
| Applicable income taxes | $1,429,000 | 1,660 |
| Income before extraordinary items | $2,554,000 | 2,063 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,554,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,321 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,533,520 | 2,049 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,414,000 | 3,411 |
| Total interest expense | $2,605,000 | 5,211 |
| Net interest income | $6,809,000 | 2,495 |
| Provision for loan and lease losses | $332,000 | 2,396 |
| Total noninterest income | $27,585,000 | 301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $27,585,000 | 237 |
| Total noninterest expense | $26,454,000 | 587 |
| Salaries and employee benefits | $525,000 | 8,201 |
| Premises and equipment expense | $3,707,000 | 584 |
| Additional noninterest expense | $22,222,000 | 329 |
| Pre-tax net operating income | $7,608,000 | 1,007 |
| Securities gains (losses) | $224,000 | 863 |
| Applicable income taxes | $2,574,000 | 996 |
| Income before extraordinary items | $5,258,000 | 1,023 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,258,000 | 1,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,107,920 | 1,019 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $702,000 | 10,562 |
| Total interest expense | $51,000 | 10,821 |
| Net interest income | $651,000 | 10,063 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $5,000 | 10,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,000 | 10,669 |
| Total noninterest expense | $183,000 | 10,842 |
| Salaries and employee benefits | $55,000 | 10,878 |
| Premises and equipment expense | $58,000 | 10,005 |
| Additional noninterest expense | $70,000 | 10,751 |
| Pre-tax net operating income | $471,000 | 8,085 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $174,000 | 7,253 |
| Income before extraordinary items | $297,000 | 8,399 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $297,000 | 8,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $25,500,000 | 36 |
| Net operating income | $297,000 | 8,354 |
* 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.