Home > Fajardo Federal Savings Bank > Income and Expense
Fajardo Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 8,238 |
| Total interest expense | $1,122,000 | 8,341 |
| Net interest income | $1,488,000 | 8,008 |
| Provision for loan and lease losses | $138,000 | 4,329 |
| Total noninterest income | $285,000 | 6,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $285,000 | 4,051 |
| Total noninterest expense | $1,242,000 | 7,522 |
| Salaries and employee benefits | $544,000 | 8,294 |
| Premises and equipment expense | $391,000 | 4,520 |
| Additional noninterest expense | $307,000 | 8,251 |
| Pre-tax net operating income | $393,000 | 8,481 |
| Securities gains (losses) | $50,000 | 1,344 |
| Applicable income taxes | $117,000 | 8,141 |
| Income before extraordinary items | $326,000 | 8,178 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $326,000 | 8,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,135 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $297,000 | 615 |
| Net operating income | $289,000 | 8,420 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,693,000 | 8,442 |
| Total interest expense | $1,091,000 | 8,725 |
| Net interest income | $1,602,000 | 8,026 |
| Provision for loan and lease losses | $41,000 | 6,948 |
| Total noninterest income | $272,000 | 7,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $272,000 | 4,317 |
| Total noninterest expense | $1,554,000 | 6,963 |
| Salaries and employee benefits | $597,000 | 8,152 |
| Premises and equipment expense | $491,000 | 3,830 |
| Additional noninterest expense | $466,000 | 7,338 |
| Pre-tax net operating income | $279,000 | 9,268 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $98,000 | 8,783 |
| Income before extraordinary items | $181,000 | 9,482 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $181,000 | 9,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,939 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 575 |
| Net operating income | $181,000 | 9,424 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,690,000 | 8,649 |
| Total interest expense | $1,171,000 | 8,684 |
| Net interest income | $1,519,000 | 8,480 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $355,000 | 6,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $355,000 | 3,572 |
| Total noninterest expense | $1,426,000 | 7,503 |
| Salaries and employee benefits | $584,000 | 8,466 |
| Premises and equipment expense | $505,000 | 3,736 |
| Additional noninterest expense | $337,000 | 8,829 |
| Pre-tax net operating income | $328,000 | 9,552 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $64,000 | 9,898 |
| Income before extraordinary items | $264,000 | 9,282 |
| Extraordinary gains, net | $-230,000 | 11,947 |
| Net income | $34,000 | 11,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $264,000 | 9,258 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,670,000 | 8,616 |
| Total interest expense | $1,069,000 | 8,396 |
| Net interest income | $1,601,000 | 8,579 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $303,000 | 4,063 |
| Total noninterest expense | $1,378,000 | 7,981 |
| Salaries and employee benefits | $505,000 | 9,346 |
| Premises and equipment expense | $464,000 | 4,060 |
| Additional noninterest expense | $409,000 | 8,739 |
| Pre-tax net operating income | $502,000 | 8,640 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $182,000 | 7,671 |
| Income before extraordinary items | $320,000 | 8,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $320,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,830 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $320,000 | 8,992 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 8,866 |
| Total interest expense | $1,188,000 | 8,301 |
| Net interest income | $1,484,000 | 9,167 |
| Provision for loan and lease losses | $78,000 | 6,380 |
| Total noninterest income | $293,000 | 7,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $293,000 | 4,529 |
| Total noninterest expense | $1,089,000 | 9,364 |
| Salaries and employee benefits | $465,000 | 9,989 |
| Premises and equipment expense | $313,000 | 5,644 |
| Additional noninterest expense | $311,000 | 10,305 |
| Pre-tax net operating income | $610,000 | 7,878 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $49,000 | 10,966 |
| Income before extraordinary items | $561,000 | 7,073 |
| Extraordinary gains, net | $-321,000 | 13,117 |
| Net income | $240,000 | 10,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $561,000 | 6,809 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 9,149 |
| Total interest expense | $1,556,000 | 8,345 |
| Net interest income | $1,342,000 | 9,836 |
| Provision for loan and lease losses | $51,000 | 8,987 |
| Total noninterest income | $379,000 | 6,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $379,000 | 3,833 |
| Total noninterest expense | $1,054,000 | 9,728 |
| Salaries and employee benefits | $452,000 | 10,288 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $301,000 | 10,804 |
| Pre-tax net operating income | $616,000 | 7,592 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $152,000 | 8,570 |
| Income before extraordinary items | $464,000 | 7,627 |
| Extraordinary gains, net | $-148,000 | 13,706 |
| Net income | $316,000 | 9,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 8,252 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $464,000 | 7,272 |
* 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.