Home > First Federal Capital Bank > Income and Expense

First Federal Capital Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$173,042,000	219
Total interest expense	$57,229,000	193
Net interest income	$115,813,000	222
Provision for loan and lease losses	$13,544,000	118
Total noninterest income	$52,264,000	214
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$52,264,000	168
Total noninterest expense	$117,726,000	198
Salaries and employee benefits	$73,834,000	150
Premises and equipment expense	$14,341,000	194
Additional noninterest expense	$29,551,000	262
Pre-tax net operating income	$36,807,000	322
Securities gains (losses)	$16,063,000	46
Applicable income taxes	$18,794,000	237
Income before extraordinary items	$34,076,000	260
Extraordinary gains, net	$0	34
Net income	$34,076,000	261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,825,000	130
Cash dividends	$30,000,000	172
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$23,795,680	332
2004-09-30 (YTD Data)		Rank
Total interest income	$127,206,000	225
Total interest expense	$42,629,000	191
Net interest income	$84,577,000	229
Provision for loan and lease losses	$12,917,000	115
Total noninterest income	$38,869,000	221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$38,869,000	172
Total noninterest expense	$86,852,000	201
Salaries and employee benefits	$54,758,000	156
Premises and equipment expense	$10,763,000	195
Additional noninterest expense	$21,331,000	264
Pre-tax net operating income	$23,677,000	354
Securities gains (losses)	$12,890,000	47
Applicable income taxes	$12,565,000	263
Income before extraordinary items	$24,002,000	276
Extraordinary gains, net	$0	26
Net income	$24,002,000	277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,264,000	122
Cash dividends	$30,000,000	136
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$15,494,600	365
2004-06-30 (YTD Data)		Rank
Total interest income	$83,221,000	221
Total interest expense	$27,925,000	189
Net interest income	$55,296,000	229
Provision for loan and lease losses	$2,415,000	280
Total noninterest income	$26,074,000	224
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$26,074,000	176
Total noninterest expense	$57,546,000	201
Salaries and employee benefits	$36,531,000	154
Premises and equipment expense	$7,135,000	196
Additional noninterest expense	$13,880,000	261
Pre-tax net operating income	$21,409,000	280
Securities gains (losses)	$10,067,000	43
Applicable income taxes	$11,453,000	215
Income before extraordinary items	$20,023,000	236
Extraordinary gains, net	$0	21
Net income	$20,023,000	237
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,087,000	255
Cash dividends	$20,000,000	134
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$13,580,120	289
2004-03-31 (YTD Data)		Rank
Total interest income	$41,030,000	221
Total interest expense	$13,531,000	194
Net interest income	$27,499,000	230
Provision for loan and lease losses	$1,606,000	219
Total noninterest income	$12,215,000	224
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$12,215,000	177
Total noninterest expense	$29,086,000	198
Salaries and employee benefits	$18,532,000	156
Premises and equipment expense	$3,578,000	197
Additional noninterest expense	$6,976,000	255
Pre-tax net operating income	$9,022,000	322
Securities gains (losses)	$3,784,000	69
Applicable income taxes	$4,561,000	250
Income before extraordinary items	$8,245,000	269
Extraordinary gains, net	$0	16
Net income	$8,245,000	270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,607,000	200
Cash dividends	$10,000,000	119
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$5,823,240	324
2003-12-31 (YTD Data)		Rank
Total interest income	$141,040,000	245
Total interest expense	$65,656,000	182
Net interest income	$75,384,000	305
Provision for loan and lease losses	$1,456,000	843
Total noninterest income	$36,124,000	272
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$36,124,000	225
Total noninterest expense	$108,165,000	204
Salaries and employee benefits	$62,109,000	164
Premises and equipment expense	$12,334,000	221
Additional noninterest expense	$33,722,000	244
Pre-tax net operating income	$1,887,000	3,524
Securities gains (losses)	$57,117,000	35
Applicable income taxes	$23,703,000	203
Income before extraordinary items	$35,301,000	254
Extraordinary gains, net	$0	54
Net income	$35,301,000	256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,347,000	727
Cash dividends	$22,000,000	223
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-1,253,880	9,022
2003-09-30 (YTD Data)		Rank
Total interest income	$103,440,000	261
Total interest expense	$52,634,000	181
Net interest income	$50,806,000	334
Provision for loan and lease losses	$886,000	1,005
Total noninterest income	$22,170,000	323
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$22,170,000	250
Total noninterest expense	$80,084,000	207
Salaries and employee benefits	$44,788,000	169
Premises and equipment expense	$9,113,000	230
Additional noninterest expense	$26,183,000	239
Pre-tax net operating income	$-7,994,000	9,215
Securities gains (losses)	$54,523,000	30
Applicable income taxes	$19,231,000	200
Income before extraordinary items	$27,298,000	258
Extraordinary gains, net	$0	40
Net income	$27,298,000	258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$777,000	820
Cash dividends	$12,000,000	268
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-7,596,720	9,207
2003-06-30 (YTD Data)		Rank
Total interest income	$70,055,000	261
Total interest expense	$36,827,000	179
Net interest income	$33,228,000	341
Provision for loan and lease losses	$518,000	1,111
Total noninterest income	$7,463,000	510
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$7,463,000	363
Total noninterest expense	$47,616,000	227
Salaries and employee benefits	$28,709,000	175
Premises and equipment expense	$6,107,000	232
Additional noninterest expense	$12,800,000	284
Pre-tax net operating income	$-7,443,000	9,257
Securities gains (losses)	$34,561,000	38
Applicable income taxes	$10,060,000	245
Income before extraordinary items	$17,058,000	274
Extraordinary gains, net	$0	30
Net income	$17,058,000	275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$411,000	972
Cash dividends	$8,000,000	239
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-5,061,040	9,240
2003-03-31 (YTD Data)		Rank
Total interest income	$35,051,000	263
Total interest expense	$18,789,000	181
Net interest income	$16,262,000	348
Provision for loan and lease losses	$379,000	767
Total noninterest income	$3,766,000	507
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$3,766,000	370
Total noninterest expense	$22,933,000	233
Salaries and employee benefits	$13,974,000	180
Premises and equipment expense	$3,023,000	238
Additional noninterest expense	$5,936,000	294
Pre-tax net operating income	$-3,284,000	9,301
Securities gains (losses)	$16,189,000	37
Applicable income taxes	$4,769,000	254
Income before extraordinary items	$8,136,000	283
Extraordinary gains, net	$0	21
Net income	$8,136,000	283
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$354,000	621
Cash dividends	$4,000,000	223
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-2,224,960	9,283
2002-12-31 (YTD Data)		Rank
Total interest income	$156,321,000	249
Total interest expense	$79,497,000	192
Net interest income	$76,824,000	319
Provision for loan and lease losses	$3,468,000	497
Total noninterest income	$25,769,000	341
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$25,769,000	260
Total noninterest expense	$86,740,000	245
Salaries and employee benefits	$52,895,000	189
Premises and equipment expense	$10,255,000	264
Additional noninterest expense	$23,590,000	309
Pre-tax net operating income	$12,385,000	708
Securities gains (losses)	$42,547,000	43
Applicable income taxes	$19,615,000	230
Income before extraordinary items	$35,317,000	253
Extraordinary gains, net	$0	70
Net income	$35,317,000	253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,336,000	517
Cash dividends	$15,751,000	262
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$8,086,920	755
2001-12-31 (YTD Data)		Rank
Total interest income	$168,518,000	268
Total interest expense	$108,352,000	212
Net interest income	$60,166,000	350
Provision for loan and lease losses	$1,764,000	779
Total noninterest income	$39,017,000	257
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$39,017,000	209
Total noninterest expense	$66,698,000	287
Salaries and employee benefits	$40,057,000	209
Premises and equipment expense	$8,293,000	305
Additional noninterest expense	$18,348,000	378
Pre-tax net operating income	$30,721,000	309
Securities gains (losses)	$13,466,000	67
Applicable income taxes	$15,518,000	246
Income before extraordinary items	$28,669,000	260
Extraordinary gains, net	$0	105
Net income	$28,669,000	261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,106,000	876
Cash dividends	$9,900,000	377
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$19,916,100	312
2000-12-31 (YTD Data)		Rank
Total interest income	$158,889,000	298
Total interest expense	$101,545,000	255
Net interest income	$57,344,000	373
Provision for loan and lease losses	$1,008,000	1,052
Total noninterest income	$36,922,000	256
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$36,922,000	200
Total noninterest expense	$57,893,000	308
Salaries and employee benefits	$35,152,000	227
Premises and equipment expense	$7,635,000	320
Additional noninterest expense	$15,106,000	435
Pre-tax net operating income	$35,365,000	295
Securities gains (losses)	$1,253,000	146
Applicable income taxes	$13,018,000	285
Income before extraordinary items	$23,600,000	293
Extraordinary gains, net	$0	38
Net income	$23,600,000	293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$619,000	1,062
Cash dividends	$14,600,000	294
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$22,798,080	298
1999-12-31 (YTD Data)		Rank
Total interest income	$128,301,000	337
Total interest expense	$75,720,000	278
Net interest income	$52,581,000	402
Provision for loan and lease losses	$387,000	2,167
Total noninterest income	$33,119,000	290
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$33,119,000	224
Total noninterest expense	$53,872,000	344
Salaries and employee benefits	$31,418,000	254
Premises and equipment expense	$7,110,000	341
Additional noninterest expense	$15,344,000	437
Pre-tax net operating income	$31,441,000	350
Securities gains (losses)	$3,828,000	81
Applicable income taxes	$12,399,000	325
Income before extraordinary items	$22,870,000	331
Extraordinary gains, net	$0	35
Net income	$22,870,000	331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$375,000	1,532
Cash dividends	$13,500,000	323
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$20,381,800	355
1998-12-31 (YTD Data)		Rank
Total interest income	$117,038,000	344
Total interest expense	$71,401,000	287
Net interest income	$45,637,000	432
Provision for loan and lease losses	$293,000	2,693
Total noninterest income	$24,747,000	322
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$24,747,000	257
Total noninterest expense	$46,876,000	378
Salaries and employee benefits	$26,565,000	289
Premises and equipment expense	$6,608,000	348
Additional noninterest expense	$13,703,000	466
Pre-tax net operating income	$23,215,000	395
Securities gains (losses)	$7,913,000	85
Applicable income taxes	$11,413,000	321
Income before extraordinary items	$19,715,000	335
Extraordinary gains, net	$0	32
Net income	$19,715,000	335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$301,000	1,853
Cash dividends	$10,757,000	362
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$14,650,680	404
1997-12-31 (YTD Data)		Rank
Total interest income	$113,078,000	365
Total interest expense	$70,020,000	302
Net interest income	$43,058,000	459
Provision for loan and lease losses	$539,000	1,680
Total noninterest income	$23,572,000	318
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$23,572,000	243
Total noninterest expense	$39,755,000	404
Salaries and employee benefits	$21,734,000	331
Premises and equipment expense	$6,817,000	339
Additional noninterest expense	$11,204,000	531
Pre-tax net operating income	$26,336,000	369
Securities gains (losses)	$2,611,000	147
Applicable income taxes	$11,116,000	333
Income before extraordinary items	$17,831,000	373
Extraordinary gains, net	$0	44
Net income	$17,831,000	374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$714,000	1,011
Cash dividends	$9,218,000	389
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$16,159,960	391
1996-12-31 (YTD Data)		Rank
Total interest income	$102,320,000	426
Total interest expense	$63,449,000	356
Net interest income	$38,871,000	526
Provision for loan and lease losses	$0	9,041
Total noninterest income	$19,587,000	391
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$19,587,000	294
Total noninterest expense	$43,893,000	428
Salaries and employee benefits	$19,798,000	385
Premises and equipment expense	$6,810,000	373
Additional noninterest expense	$17,285,000	451
Pre-tax net operating income	$14,565,000	580
Securities gains (losses)	$1,780,000	167
Applicable income taxes	$5,906,000	519
Income before extraordinary items	$10,439,000	559
Extraordinary gains, net	$0	53
Net income	$10,439,000	560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$313,000	2,009
Cash dividends	$8,000,000	492
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$9,299,800	611
1995-12-31 (YTD Data)		Rank
Total interest income	$87,400,000	500
Total interest expense	$55,201,000	406
Net interest income	$32,199,000	637
Provision for loan and lease losses	$0	8,958
Total noninterest income	$16,240,000	455
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$16,240,000	332
Total noninterest expense	$34,033,000	523
Salaries and employee benefits	$18,124,000	438
Premises and equipment expense	$5,835,000	433
Additional noninterest expense	$10,074,000	683
Pre-tax net operating income	$14,406,000	616
Securities gains (losses)	$2,109,000	123
Applicable income taxes	$5,818,000	552
Income before extraordinary items	$10,697,000	561
Extraordinary gains, net	$0	65
Net income	$10,697,000	561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$422,000	1,538
Cash dividends	$5,000,000	632
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$9,326,150	621
1994-12-31 (YTD Data)		Rank
Total interest income	$72,090,000	510
Total interest expense	$41,049,000	416
Net interest income	$31,041,000	652
Provision for loan and lease losses	$0	9,146
Total noninterest income	$12,123,000	512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$12,123,000	375
Total noninterest expense	$30,423,000	581
Salaries and employee benefits	$16,019,000	471
Premises and equipment expense	$5,036,000	482
Additional noninterest expense	$9,368,000	737
Pre-tax net operating income	$12,741,000	648
Securities gains (losses)	$2,945,000	66
Applicable income taxes	$5,560,000	533
Income before extraordinary items	$10,126,000	547
Extraordinary gains, net	$-203,000	12,558
Net income	$9,923,000	564
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000	2,251
Cash dividends	$5,000,000	560
Sale, conversion, retirement of capital stock, net	$161,000	724
Net operating income	$8,211,750	677
1993-12-31 (YTD Data)		Rank
Total interest income	$65,078,000	552
Total interest expense	$35,242,000	471
Net interest income	$29,836,000	666
Provision for loan and lease losses	$160,000	4,468
Total noninterest income	$8,807,000	665
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$8,807,000	462
Total noninterest expense	$26,912,000	669
Salaries and employee benefits	$14,559,000	519
Premises and equipment expense	$4,459,000	542
Additional noninterest expense	$7,894,000	905
Pre-tax net operating income	$11,571,000	631
Securities gains (losses)	$8,034,000	99
Applicable income taxes	$7,344,000	400
Income before extraordinary items	$12,261,000	455
Extraordinary gains, net	$0	3,149
Net income	$12,261,000	469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$424,000	1,982
Cash dividends	$2,700,000	782
Sale, conversion, retirement of capital stock, net	$107,000	877
Net operating income	$7,119,240	683
1992-12-31 (YTD Data)		Rank
Total interest income	$69,874,000	585
Total interest expense	$41,518,000	508
Net interest income	$28,356,000	706
Provision for loan and lease losses	$1,171,000	1,674
Total noninterest income	$13,122,000	497
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$13,122,000	367
Total noninterest expense	$23,225,000	751
Salaries and employee benefits	$11,960,000	615
Premises and equipment expense	$3,880,000	645
Additional noninterest expense	$7,385,000	977
Pre-tax net operating income	$17,082,000	396
Securities gains (losses)	$378,000	1,333
Applicable income taxes	$6,802,000	369
Income before extraordinary items	$10,658,000	462
Extraordinary gains, net	$1,100,000	115
Net income	$11,758,000	429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,410,000	1,255
Cash dividends	$2,400,000	718
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$10,416,080	430

* 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.