Home > Fairfield Savings Bank, F.S.B. > Income and Expense
Fairfield Savings Bank, F.S.B., Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,972,000 | 2,374 |
| Total interest expense | $6,256,000 | 1,828 |
| Net interest income | $6,716,000 | 2,839 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $530,000 | 5,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $530,000 | 3,182 |
| Total noninterest expense | $6,691,000 | 2,233 |
| Salaries and employee benefits | $4,772,000 | 1,684 |
| Premises and equipment expense | $1,143,000 | 1,932 |
| Additional noninterest expense | $776,000 | 5,040 |
| Pre-tax net operating income | $555,000 | 6,565 |
| Securities gains (losses) | $220,000 | 1,099 |
| Applicable income taxes | $345,000 | 4,193 |
| Income before extraordinary items | $430,000 | 6,695 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $430,000 | 6,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $289,200 | 7,270 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,938,000 | 2,461 |
| Total interest expense | $8,250,000 | 1,967 |
| Net interest income | $5,688,000 | 3,085 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,140,000 | 3,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,140,000 | 1,872 |
| Total noninterest expense | $5,336,000 | 2,657 |
| Salaries and employee benefits | $3,079,000 | 2,448 |
| Premises and equipment expense | $1,118,000 | 1,916 |
| Additional noninterest expense | $1,139,000 | 3,667 |
| Pre-tax net operating income | $1,492,000 | 3,882 |
| Securities gains (losses) | $317,000 | 872 |
| Applicable income taxes | $632,000 | 2,872 |
| Income before extraordinary items | $1,177,000 | 3,863 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,177,000 | 3,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $970,950 | 4,241 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,488,000 | 2,579 |
| Total interest expense | $8,145,000 | 2,109 |
| Net interest income | $5,343,000 | 3,281 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $553,000 | 4,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $553,000 | 2,776 |
| Total noninterest expense | $5,450,000 | 2,501 |
| Salaries and employee benefits | $3,115,000 | 2,287 |
| Premises and equipment expense | $1,091,000 | 1,907 |
| Additional noninterest expense | $1,244,000 | 3,314 |
| Pre-tax net operating income | $446,000 | 7,248 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $134,000 | 6,108 |
| Income before extraordinary items | $312,000 | 7,394 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $312,000 | 7,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $3,800,000 | 788 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $312,000 | 7,398 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,010,000 | 2,515 |
| Total interest expense | $7,424,000 | 2,010 |
| Net interest income | $5,586,000 | 3,102 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $485,000 | 5,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $485,000 | 3,007 |
| Total noninterest expense | $5,093,000 | 2,650 |
| Salaries and employee benefits | $2,991,000 | 2,348 |
| Premises and equipment expense | $1,132,000 | 1,806 |
| Additional noninterest expense | $970,000 | 4,119 |
| Pre-tax net operating income | $978,000 | 5,376 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $627,000 | 5,772 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $627,000 | 5,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $1,967,000 | 1,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $627,000 | 5,736 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,223,000 | 2,461 |
| Total interest expense | $7,786,000 | 1,963 |
| Net interest income | $5,437,000 | 3,160 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $539,000 | 4,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $539,000 | 2,845 |
| Total noninterest expense | $5,185,000 | 2,508 |
| Salaries and employee benefits | $3,255,000 | 2,081 |
| Premises and equipment expense | $1,047,000 | 1,892 |
| Additional noninterest expense | $883,000 | 4,353 |
| Pre-tax net operating income | $791,000 | 6,132 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $391,000 | 4,485 |
| Income before extraordinary items | $400,000 | 7,219 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $400,000 | 7,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $400,000 | 7,128 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,322,000 | 2,460 |
| Total interest expense | $7,918,000 | 1,947 |
| Net interest income | $5,404,000 | 3,240 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $529,000 | 4,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $529,000 | 2,712 |
| Total noninterest expense | $4,775,000 | 2,682 |
| Salaries and employee benefits | $2,820,000 | 2,355 |
| Premises and equipment expense | $1,090,000 | 1,823 |
| Additional noninterest expense | $865,000 | 4,461 |
| Pre-tax net operating income | $1,158,000 | 5,357 |
| Securities gains (losses) | $229,000 | 653 |
| Applicable income taxes | $439,000 | 4,606 |
| Income before extraordinary items | $948,000 | 4,883 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $948,000 | 4,883 |
| 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 | $0 | 1,030 |
| Net operating income | $792,280 | 5,440 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,902,000 | 2,596 |
| Total interest expense | $8,205,000 | 1,910 |
| Net interest income | $4,697,000 | 3,754 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $525,000 | 5,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $525,000 | 2,824 |
| Total noninterest expense | $5,451,000 | 2,508 |
| Salaries and employee benefits | $2,303,000 | 2,901 |
| Premises and equipment expense | $1,077,000 | 1,868 |
| Additional noninterest expense | $2,071,000 | 2,381 |
| Pre-tax net operating income | $-367,000 | 11,174 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-124,000 | 11,205 |
| Income before extraordinary items | $-243,000 | 11,139 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-243,000 | 11,137 |
| 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 | $12,001,000 | 53 |
| Net operating income | $-243,000 | 11,104 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,795,000 | 2,615 |
| Total interest expense | $8,030,000 | 1,947 |
| Net interest income | $4,765,000 | 3,691 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $363,000 | 6,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $363,000 | 3,524 |
| Total noninterest expense | $4,599,000 | 2,923 |
| Salaries and employee benefits | $2,505,000 | 2,668 |
| Premises and equipment expense | $1,071,000 | 1,898 |
| Additional noninterest expense | $1,023,000 | 4,273 |
| Pre-tax net operating income | $517,000 | 8,343 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $132,000 | 8,584 |
| Income before extraordinary items | $385,000 | 8,196 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $385,000 | 8,196 |
| 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 | $385,000 | 8,165 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,470,000 | 2,430 |
| Total interest expense | $6,820,000 | 1,842 |
| Net interest income | $5,650,000 | 3,179 |
| Provision for loan and lease losses | $-101,000 | 12,181 |
| Total noninterest income | $949,000 | 3,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $949,000 | 1,901 |
| Total noninterest expense | $4,636,000 | 2,976 |
| Salaries and employee benefits | $2,669,000 | 2,504 |
| Premises and equipment expense | $986,000 | 2,063 |
| Additional noninterest expense | $981,000 | 4,785 |
| Pre-tax net operating income | $2,064,000 | 3,336 |
| Securities gains (losses) | $72,000 | 944 |
| Applicable income taxes | $747,000 | 2,945 |
| Income before extraordinary items | $1,389,000 | 3,394 |
| Extraordinary gains, net | $439,000 | 27 |
| Net income | $1,828,000 | 2,655 |
| 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 | $0 | 1,160 |
| Net operating income | $1,342,200 | 3,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,274,000 | 2,329 |
| Total interest expense | $6,989,000 | 1,861 |
| Net interest income | $6,285,000 | 2,895 |
| Provision for loan and lease losses | $-789,000 | 13,210 |
| Total noninterest income | $327,000 | 7,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $327,000 | 4,259 |
| Total noninterest expense | $4,355,000 | 3,213 |
| Salaries and employee benefits | $2,295,000 | 2,886 |
| Premises and equipment expense | $1,045,000 | 1,971 |
| Additional noninterest expense | $1,015,000 | 4,862 |
| Pre-tax net operating income | $3,046,000 | 2,247 |
| Securities gains (losses) | $759,000 | 664 |
| Applicable income taxes | $1,240,000 | 1,872 |
| Income before extraordinary items | $2,565,000 | 1,952 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,565,000 | 2,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,056,470 | 2,296 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,996,000 | 2,510 |
| Total interest expense | $8,360,000 | 2,048 |
| Net interest income | $5,636,000 | 3,245 |
| Provision for loan and lease losses | $829,000 | 2,112 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $4,512,000 | 3,152 |
| Salaries and employee benefits | $2,402,000 | 2,699 |
| Premises and equipment expense | $1,143,000 | 1,849 |
| Additional noninterest expense | $967,000 | 5,188 |
| Pre-tax net operating income | $354,000 | 9,649 |
| Securities gains (losses) | $270,000 | 1,634 |
| Applicable income taxes | $568,000 | 3,589 |
| Income before extraordinary items | $56,000 | 12,500 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $56,000 | 12,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-116,800 | 12,945 |
* 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.