Home > Financial Federal Savings Bank > Income and Expense
Financial Federal Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,999,000 | 1,469 |
| Total interest expense | $11,521,000 | 1,346 |
| Net interest income | $10,478,000 | 1,626 |
| Provision for loan and lease losses | $374,000 | 2,186 |
| Total noninterest income | $1,315,000 | 2,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,315,000 | 1,523 |
| Total noninterest expense | $6,341,000 | 2,073 |
| Salaries and employee benefits | $3,325,000 | 2,028 |
| Premises and equipment expense | $1,604,000 | 1,195 |
| Additional noninterest expense | $1,412,000 | 2,930 |
| Pre-tax net operating income | $5,078,000 | 1,452 |
| Securities gains (losses) | $160,000 | 1,024 |
| Applicable income taxes | $2,211,000 | 1,138 |
| Income before extraordinary items | $3,027,000 | 1,728 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,027,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 1,480 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,924,600 | 1,728 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,347,000 | 1,624 |
| Total interest expense | $10,018,000 | 1,547 |
| Net interest income | $10,329,000 | 1,694 |
| Provision for loan and lease losses | $437,000 | 1,968 |
| Total noninterest income | $892,000 | 3,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $892,000 | 1,876 |
| Total noninterest expense | $6,178,000 | 2,093 |
| Salaries and employee benefits | $3,402,000 | 1,933 |
| Premises and equipment expense | $1,514,000 | 1,295 |
| Additional noninterest expense | $1,262,000 | 3,205 |
| Pre-tax net operating income | $4,606,000 | 1,669 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $1,965,000 | 1,351 |
| Income before extraordinary items | $2,644,000 | 1,997 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,644,000 | 1,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,887 |
| Cash dividends | $1,881,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,642,080 | 1,941 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,388,000 | 1,843 |
| Total interest expense | $9,022,000 | 1,752 |
| Net interest income | $9,366,000 | 1,908 |
| Provision for loan and lease losses | $588,000 | 1,543 |
| Total noninterest income | $411,000 | 5,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $411,000 | 3,352 |
| Total noninterest expense | $7,088,000 | 1,980 |
| Salaries and employee benefits | $3,251,000 | 2,035 |
| Premises and equipment expense | $1,377,000 | 1,472 |
| Additional noninterest expense | $2,460,000 | 2,037 |
| Pre-tax net operating income | $2,101,000 | 3,281 |
| Securities gains (losses) | $77,000 | 1,085 |
| Applicable income taxes | $864,000 | 2,662 |
| Income before extraordinary items | $1,314,000 | 3,602 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,314,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,573 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,264,720 | 3,654 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,369,000 | 2,190 |
| Total interest expense | $7,391,000 | 2,117 |
| Net interest income | $7,978,000 | 2,257 |
| Provision for loan and lease losses | $366,000 | 1,987 |
| Total noninterest income | $160,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $160,000 | 5,798 |
| Total noninterest expense | $5,146,000 | 2,639 |
| Salaries and employee benefits | $2,736,000 | 2,431 |
| Premises and equipment expense | $1,273,000 | 1,593 |
| Additional noninterest expense | $1,137,000 | 3,924 |
| Pre-tax net operating income | $2,626,000 | 2,710 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,242,000 | 1,964 |
| Income before extraordinary items | $1,384,000 | 3,502 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,384,000 | 3,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,457 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,384,000 | 3,477 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,852,000 | 2,803 |
| Total interest expense | $4,133,000 | 2,945 |
| Net interest income | $6,719,000 | 2,701 |
| Provision for loan and lease losses | $143,000 | 3,723 |
| Total noninterest income | $412,000 | 6,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $412,000 | 3,347 |
| Total noninterest expense | $4,540,000 | 3,034 |
| Salaries and employee benefits | $2,502,000 | 2,659 |
| Premises and equipment expense | $1,008,000 | 2,019 |
| Additional noninterest expense | $1,030,000 | 4,605 |
| Pre-tax net operating income | $2,448,000 | 2,883 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,109,000 | 2,033 |
| Income before extraordinary items | $1,339,000 | 3,505 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,339,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $8,654,000 | 115 |
| Net operating income | $1,339,000 | 3,535 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,697,000 | 2,898 |
| Total interest expense | $4,200,000 | 3,020 |
| Net interest income | $6,497,000 | 2,782 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $395,000 | 6,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $395,000 | 3,784 |
| Total noninterest expense | $4,321,000 | 3,240 |
| Salaries and employee benefits | $2,114,000 | 3,100 |
| Premises and equipment expense | $1,060,000 | 1,951 |
| Additional noninterest expense | $1,147,000 | 4,372 |
| Pre-tax net operating income | $2,331,000 | 2,896 |
| Securities gains (losses) | $668,000 | 736 |
| Applicable income taxes | $1,533,000 | 1,540 |
| Income before extraordinary items | $1,466,000 | 3,308 |
| Extraordinary gains, net | $168,000 | 1,148 |
| Net income | $1,634,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-508,000 | 13,230 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,038,480 | 4,317 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,928,000 | 2,940 |
| Total interest expense | $5,781,000 | 2,883 |
| Net interest income | $6,147,000 | 2,966 |
| Provision for loan and lease losses | $484,000 | 3,079 |
| Total noninterest income | $723,000 | 4,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $4,000 | 448 |
| Additional Noninterest Income | $719,000 | 2,479 |
| Total noninterest expense | $4,038,000 | 3,469 |
| Salaries and employee benefits | $2,121,000 | 3,048 |
| Premises and equipment expense | $1,187,000 | 1,777 |
| Additional noninterest expense | $730,000 | 6,555 |
| Pre-tax net operating income | $2,348,000 | 2,656 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $1,015,000 | 2,085 |
| Income before extraordinary items | $1,338,000 | 3,427 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,338,000 | 3,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 2,274 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,334,800 | 3,193 |
* 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.