Home > First Federal Bank > Income and Expense
First Federal Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,111,000 | 2,478 |
| Total interest expense | $6,371,000 | 2,363 |
| Net interest income | $6,740,000 | 2,518 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $805,000 | 3,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $805,000 | 2,166 |
| Total noninterest expense | $4,265,000 | 3,046 |
| Salaries and employee benefits | $2,581,000 | 2,623 |
| Premises and equipment expense | $801,000 | 2,447 |
| Additional noninterest expense | $883,000 | 4,353 |
| Pre-tax net operating income | $3,160,000 | 2,262 |
| Securities gains (losses) | $956,000 | 388 |
| Applicable income taxes | $1,664,000 | 1,471 |
| Income before extraordinary items | $2,452,000 | 2,126 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,452,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $3,000,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,840,160 | 2,678 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,881,000 | 2,551 |
| Total interest expense | $6,508,000 | 2,307 |
| Net interest income | $6,373,000 | 2,731 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $695,000 | 3,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $695,000 | 2,229 |
| Total noninterest expense | $3,545,000 | 3,563 |
| Salaries and employee benefits | $2,178,000 | 3,044 |
| Premises and equipment expense | $592,000 | 3,194 |
| Additional noninterest expense | $775,000 | 4,844 |
| Pre-tax net operating income | $3,403,000 | 2,215 |
| Securities gains (losses) | $358,000 | 513 |
| Applicable income taxes | $1,482,000 | 1,721 |
| Income before extraordinary items | $2,279,000 | 2,307 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,279,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,049,880 | 2,478 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,265,000 | 2,931 |
| Total interest expense | $5,521,000 | 2,757 |
| Net interest income | $5,744,000 | 3,081 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $590,000 | 4,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $590,000 | 2,596 |
| Total noninterest expense | $4,014,000 | 3,336 |
| Salaries and employee benefits | $1,925,000 | 3,456 |
| Premises and equipment expense | $533,000 | 3,588 |
| Additional noninterest expense | $1,556,000 | 3,023 |
| Pre-tax net operating income | $2,200,000 | 3,161 |
| Securities gains (losses) | $117,000 | 890 |
| Applicable income taxes | $1,019,000 | 2,316 |
| Income before extraordinary items | $1,298,000 | 3,635 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,298,000 | 3,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,277 |
| Cash dividends | $5,000,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,223,120 | 3,766 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,267,000 | 3,215 |
| Total interest expense | $5,058,000 | 2,995 |
| Net interest income | $5,209,000 | 3,398 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $520,000 | 5,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $520,000 | 2,796 |
| Total noninterest expense | $3,155,000 | 4,101 |
| Salaries and employee benefits | $1,816,000 | 3,615 |
| Premises and equipment expense | $493,000 | 3,802 |
| Additional noninterest expense | $846,000 | 5,014 |
| Pre-tax net operating income | $2,484,000 | 2,868 |
| Securities gains (losses) | $73,000 | 1,094 |
| Applicable income taxes | $1,035,000 | 2,305 |
| Income before extraordinary items | $1,522,000 | 3,210 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,522,000 | 3,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,475,280 | 3,269 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,252,000 | 3,636 |
| Total interest expense | $3,872,000 | 3,149 |
| Net interest income | $4,380,000 | 4,019 |
| Provision for loan and lease losses | $61,000 | 5,573 |
| Total noninterest income | $433,000 | 5,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $433,000 | 3,246 |
| Total noninterest expense | $2,828,000 | 4,641 |
| Salaries and employee benefits | $1,580,000 | 4,090 |
| Premises and equipment expense | $456,000 | 4,111 |
| Additional noninterest expense | $792,000 | 5,739 |
| Pre-tax net operating income | $1,924,000 | 3,541 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $696,000 | 3,102 |
| Income before extraordinary items | $1,232,000 | 3,760 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,232,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,229,440 | 3,801 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,874,000 | 3,870 |
| Total interest expense | $4,113,000 | 3,090 |
| Net interest income | $3,761,000 | 4,652 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $425,000 | 6,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $425,000 | 3,618 |
| Total noninterest expense | $2,501,000 | 5,278 |
| Salaries and employee benefits | $1,389,000 | 4,588 |
| Premises and equipment expense | $441,000 | 4,332 |
| Additional noninterest expense | $671,000 | 6,789 |
| Pre-tax net operating income | $1,545,000 | 4,204 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $595,000 | 3,628 |
| Income before extraordinary items | $950,000 | 4,883 |
| Extraordinary gains, net | $40,000 | 2,305 |
| Net income | $990,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $5,075,000 | 195 |
| Net operating income | $950,000 | 4,660 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,869,000 | 3,909 |
| Total interest expense | $5,215,000 | 3,186 |
| Net interest income | $3,654,000 | 4,821 |
| Provision for loan and lease losses | $67,000 | 8,339 |
| Total noninterest income | $394,000 | 6,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $394,000 | 3,746 |
| Total noninterest expense | $2,352,000 | 5,586 |
| Salaries and employee benefits | $1,270,000 | 4,919 |
| Premises and equipment expense | $424,000 | 4,577 |
| Additional noninterest expense | $658,000 | 7,045 |
| Pre-tax net operating income | $1,629,000 | 3,748 |
| Securities gains (losses) | $-4,000 | 13,019 |
| Applicable income taxes | $584,000 | 3,506 |
| Income before extraordinary items | $1,041,000 | 4,338 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,041,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,043,560 | 4,027 |
* 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.