Home > First Carolina Federal Savings Bank > Income and Expense
First Carolina Federal Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,072,000 | 4,366 |
| Total interest expense | $4,525,000 | 3,281 |
| Net interest income | $2,547,000 | 5,778 |
| Provision for loan and lease losses | $336,000 | 2,379 |
| Total noninterest income | $425,000 | 5,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $425,000 | 3,303 |
| Total noninterest expense | $2,311,000 | 5,043 |
| Salaries and employee benefits | $1,202,000 | 5,068 |
| Premises and equipment expense | $393,000 | 4,482 |
| Additional noninterest expense | $716,000 | 5,080 |
| Pre-tax net operating income | $325,000 | 8,249 |
| Securities gains (losses) | $84,000 | 1,392 |
| Applicable income taxes | $157,000 | 6,759 |
| Income before extraordinary items | $252,000 | 8,238 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $252,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,203 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $198,240 | 8,563 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,327,000 | 4,341 |
| Total interest expense | $4,950,000 | 3,007 |
| Net interest income | $2,377,000 | 6,245 |
| Provision for loan and lease losses | $1,054,000 | 955 |
| Total noninterest income | $369,000 | 5,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $369,000 | 3,461 |
| Total noninterest expense | $2,031,000 | 5,604 |
| Salaries and employee benefits | $1,178,000 | 5,181 |
| Premises and equipment expense | $321,000 | 5,221 |
| Additional noninterest expense | $532,000 | 6,261 |
| Pre-tax net operating income | $-339,000 | 10,660 |
| Securities gains (losses) | $36,000 | 1,535 |
| Applicable income taxes | $-181,000 | 10,779 |
| Income before extraordinary items | $-122,000 | 10,549 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-122,000 | 10,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,931 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-145,040 | 10,540 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,245,000 | 4,426 |
| Total interest expense | $5,030,000 | 2,985 |
| Net interest income | $2,215,000 | 6,738 |
| Provision for loan and lease losses | $23,000 | 7,847 |
| Total noninterest income | $383,000 | 6,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $383,000 | 3,486 |
| Total noninterest expense | $2,288,000 | 5,367 |
| Salaries and employee benefits | $997,000 | 5,999 |
| Premises and equipment expense | $283,000 | 5,797 |
| Additional noninterest expense | $1,008,000 | 4,382 |
| Pre-tax net operating income | $287,000 | 9,221 |
| Securities gains (losses) | $54,000 | 1,285 |
| Applicable income taxes | $118,000 | 8,426 |
| Income before extraordinary items | $223,000 | 9,083 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $223,000 | 9,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $87,000 | 6,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $187,900 | 9,362 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,833,000 | 4,661 |
| Total interest expense | $4,836,000 | 3,111 |
| Net interest income | $1,997,000 | 7,321 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $373,000 | 6,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $373,000 | 3,464 |
| Total noninterest expense | $1,838,000 | 6,372 |
| Salaries and employee benefits | $1,084,000 | 5,668 |
| Premises and equipment expense | $317,000 | 5,400 |
| Additional noninterest expense | $437,000 | 7,839 |
| Pre-tax net operating income | $504,000 | 8,414 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $167,000 | 7,980 |
| Income before extraordinary items | $337,000 | 8,593 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $337,000 | 8,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $87,000 | 7,085 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $337,000 | 8,568 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,930,000 | 4,913 |
| Total interest expense | $3,484,000 | 3,465 |
| Net interest income | $2,446,000 | 6,575 |
| Provision for loan and lease losses | $33,000 | 6,965 |
| Total noninterest income | $466,000 | 5,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $466,000 | 3,088 |
| Total noninterest expense | $1,822,000 | 6,639 |
| Salaries and employee benefits | $995,000 | 6,112 |
| Premises and equipment expense | $341,000 | 5,168 |
| Additional noninterest expense | $486,000 | 7,991 |
| Pre-tax net operating income | $1,057,000 | 5,731 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $389,000 | 4,862 |
| Income before extraordinary items | $668,000 | 6,110 |
| Extraordinary gains, net | $250,000 | 57 |
| Net income | $918,000 | 4,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $81,000 | 7,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $668,000 | 6,177 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,349,000 | 4,713 |
| Total interest expense | $3,834,000 | 3,286 |
| Net interest income | $2,515,000 | 6,526 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $386,000 | 6,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $386,000 | 3,839 |
| Total noninterest expense | $1,805,000 | 6,876 |
| Salaries and employee benefits | $837,000 | 7,094 |
| Premises and equipment expense | $261,000 | 6,488 |
| Additional noninterest expense | $707,000 | 6,512 |
| Pre-tax net operating income | $966,000 | 6,049 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $344,000 | 5,572 |
| Income before extraordinary items | $622,000 | 6,619 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $622,000 | 6,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $135,000 | 6,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $622,000 | 6,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 4,799 |
| Total interest expense | $4,554,000 | 3,604 |
| Net interest income | $2,489,000 | 6,627 |
| Provision for loan and lease losses | $293,000 | 4,209 |
| Total noninterest income | $380,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $380,000 | 3,829 |
| Total noninterest expense | $1,664,000 | 7,357 |
| Salaries and employee benefits | $691,000 | 8,055 |
| Premises and equipment expense | $178,000 | 8,364 |
| Additional noninterest expense | $795,000 | 6,097 |
| Pre-tax net operating income | $912,000 | 6,030 |
| Securities gains (losses) | $134,000 | 2,556 |
| Applicable income taxes | $511,000 | 3,943 |
| Income before extraordinary items | $535,000 | 7,035 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $535,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 5,395 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 990 |
| Net operating income | $449,240 | 7,388 |
* 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.