Home > Family Savings Bank, F.S.B. > Income and Expense
Family Savings Bank, F.S.B., Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,988,000 | 2,453 |
| Total interest expense | $6,826,000 | 2,344 |
| Net interest income | $7,162,000 | 2,496 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $1,488,000 | 2,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,488,000 | 1,527 |
| Total noninterest expense | $6,841,000 | 2,094 |
| Salaries and employee benefits | $3,800,000 | 1,981 |
| Premises and equipment expense | $1,804,000 | 1,182 |
| Additional noninterest expense | $1,237,000 | 3,408 |
| Pre-tax net operating income | $1,659,000 | 3,617 |
| Securities gains (losses) | $383,000 | 745 |
| Applicable income taxes | $743,000 | 2,564 |
| Income before extraordinary items | $1,299,000 | 3,584 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,299,000 | 3,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $254,000 | 4,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,053,880 | 4,027 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,258,000 | 2,621 |
| Total interest expense | $7,288,000 | 2,322 |
| Net interest income | $5,970,000 | 2,957 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $1,538,000 | 2,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,538,000 | 1,356 |
| Total noninterest expense | $6,349,000 | 2,170 |
| Salaries and employee benefits | $3,443,000 | 2,071 |
| Premises and equipment expense | $1,817,000 | 1,100 |
| Additional noninterest expense | $1,089,000 | 3,724 |
| Pre-tax net operating income | $1,084,000 | 5,046 |
| Securities gains (losses) | $102,000 | 565 |
| Applicable income taxes | $415,000 | 3,912 |
| Income before extraordinary items | $771,000 | 5,151 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $771,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $254,000 | 4,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $704,700 | 5,410 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,763,000 | 2,565 |
| Total interest expense | $6,659,000 | 2,216 |
| Net interest income | $6,104,000 | 2,877 |
| Provision for loan and lease losses | $210,000 | 3,440 |
| Total noninterest income | $1,521,000 | 2,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,521,000 | 1,387 |
| Total noninterest expense | $6,857,000 | 1,992 |
| Salaries and employee benefits | $3,309,000 | 2,118 |
| Premises and equipment expense | $1,958,000 | 1,034 |
| Additional noninterest expense | $1,590,000 | 2,726 |
| Pre-tax net operating income | $558,000 | 6,870 |
| Securities gains (losses) | $66,000 | 884 |
| Applicable income taxes | $214,000 | 5,558 |
| Income before extraordinary items | $410,000 | 6,931 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $410,000 | 6,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,365 |
| Cash dividends | $254,000 | 4,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $366,440 | 7,157 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,815,000 | 2,550 |
| Total interest expense | $6,854,000 | 2,209 |
| Net interest income | $5,961,000 | 2,897 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $1,073,000 | 2,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,073,000 | 1,761 |
| Total noninterest expense | $6,739,000 | 1,940 |
| Salaries and employee benefits | $3,071,000 | 2,199 |
| Premises and equipment expense | $1,536,000 | 1,252 |
| Additional noninterest expense | $2,132,000 | 1,994 |
| Pre-tax net operating income | $285,000 | 8,490 |
| Securities gains (losses) | $251,000 | 809 |
| Applicable income taxes | $220,000 | 5,952 |
| Income before extraordinary items | $316,000 | 7,756 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $316,000 | 7,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 1,267 |
| Cash dividends | $253,000 | 4,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $155,360 | 8,878 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,825,000 | 2,565 |
| Total interest expense | $6,760,000 | 2,233 |
| Net interest income | $6,065,000 | 2,878 |
| Provision for loan and lease losses | $610,000 | 1,486 |
| Total noninterest income | $900,000 | 3,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $900,000 | 1,861 |
| Total noninterest expense | $5,607,000 | 2,298 |
| Salaries and employee benefits | $2,568,000 | 2,575 |
| Premises and equipment expense | $1,173,000 | 1,666 |
| Additional noninterest expense | $1,866,000 | 2,231 |
| Pre-tax net operating income | $748,000 | 6,787 |
| Securities gains (losses) | $136,000 | 853 |
| Applicable income taxes | $339,000 | 5,399 |
| Income before extraordinary items | $545,000 | 6,702 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $545,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $827,000 | 900 |
| Cash dividends | $332,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $457,960 | 7,195 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,625,000 | 2,650 |
| Total interest expense | $6,423,000 | 2,402 |
| Net interest income | $6,202,000 | 2,866 |
| Provision for loan and lease losses | $1,038,000 | 996 |
| Total noninterest income | $1,437,000 | 2,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,437,000 | 1,423 |
| Total noninterest expense | $7,431,000 | 1,904 |
| Salaries and employee benefits | $2,617,000 | 2,551 |
| Premises and equipment expense | $1,241,000 | 1,642 |
| Additional noninterest expense | $3,573,000 | 1,492 |
| Pre-tax net operating income | $-830,000 | 11,314 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $-342,000 | 11,321 |
| Income before extraordinary items | $-464,000 | 11,251 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-464,000 | 11,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,282 |
| Cash dividends | $259,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $-14,000 | 11,306 |
| Net operating income | $-479,360 | 11,227 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,700,000 | 2,639 |
| Total interest expense | $6,189,000 | 2,488 |
| Net interest income | $6,511,000 | 2,738 |
| Provision for loan and lease losses | $541,000 | 1,475 |
| Total noninterest income | $846,000 | 3,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $846,000 | 2,018 |
| Total noninterest expense | $5,870,000 | 2,323 |
| Salaries and employee benefits | $2,550,000 | 2,624 |
| Premises and equipment expense | $1,125,000 | 1,794 |
| Additional noninterest expense | $2,195,000 | 2,225 |
| Pre-tax net operating income | $946,000 | 6,209 |
| Securities gains (losses) | $40,000 | 1,447 |
| Applicable income taxes | $416,000 | 4,815 |
| Income before extraordinary items | $570,000 | 6,782 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $570,000 | 6,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,929 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $544,400 | 6,915 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,513,000 | 2,626 |
| Total interest expense | $5,465,000 | 2,278 |
| Net interest income | $6,048,000 | 2,975 |
| Provision for loan and lease losses | $1,321,000 | 766 |
| Total noninterest income | $1,233,000 | 2,685 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,233,000 | 1,599 |
| Total noninterest expense | $6,513,000 | 2,166 |
| Salaries and employee benefits | $2,509,000 | 2,651 |
| Premises and equipment expense | $1,227,000 | 1,687 |
| Additional noninterest expense | $2,777,000 | 1,948 |
| Pre-tax net operating income | $-553,000 | 12,398 |
| Securities gains (losses) | $17,000 | 1,895 |
| Applicable income taxes | $-433,000 | 12,468 |
| Income before extraordinary items | $-103,000 | 12,161 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-103,000 | 12,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $971,000 | 883 |
| Cash dividends | $142,000 | 6,233 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 748 |
| Net operating income | $-113,880 | 12,185 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,663,000 | 2,652 |
| Total interest expense | $5,117,000 | 2,523 |
| Net interest income | $6,546,000 | 2,754 |
| Provision for loan and lease losses | $225,000 | 3,650 |
| Total noninterest income | $741,000 | 4,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $741,000 | 2,500 |
| Total noninterest expense | $6,444,000 | 2,250 |
| Salaries and employee benefits | $2,323,000 | 2,838 |
| Premises and equipment expense | $1,436,000 | 1,480 |
| Additional noninterest expense | $2,685,000 | 2,085 |
| Pre-tax net operating income | $618,000 | 7,831 |
| Securities gains (losses) | $172,000 | 1,847 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 4,228 |
| Cash dividends | $211,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 347 |
| Net operating income | $208,920 | 10,320 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,534,000 | 3,051 |
| Total interest expense | $5,761,000 | 2,892 |
| Net interest income | $5,773,000 | 3,182 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $597,000 | 4,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $597,000 | 2,827 |
| Total noninterest expense | $4,788,000 | 2,989 |
| Salaries and employee benefits | $2,024,000 | 3,181 |
| Premises and equipment expense | $930,000 | 2,237 |
| Additional noninterest expense | $1,834,000 | 3,010 |
| Pre-tax net operating income | $1,462,000 | 4,136 |
| Securities gains (losses) | $319,000 | 1,475 |
| Applicable income taxes | $840,000 | 2,472 |
| Income before extraordinary items | $940,000 | 4,757 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $940,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,001,000 | 406 |
| Net operating income | $735,840 | 5,378 |
* 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.