Home > First Federal Savings and Loan Association > Income and Expense
First Federal Savings and Loan Association, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,784,000 | 6,676 |
| Total interest expense | $2,035,000 | 6,127 |
| Net interest income | $1,749,000 | 7,157 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $274,000 | 6,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $274,000 | 4,216 |
| Total noninterest expense | $1,010,000 | 8,087 |
| Salaries and employee benefits | $397,000 | 8,991 |
| Premises and equipment expense | $149,000 | 7,670 |
| Additional noninterest expense | $464,000 | 6,691 |
| Pre-tax net operating income | $956,000 | 5,553 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $372,000 | 4,610 |
| Income before extraordinary items | $584,000 | 6,129 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $584,000 | 6,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $350,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $584,000 | 6,026 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,938,000 | 7,839 |
| Total interest expense | $1,641,000 | 7,024 |
| Net interest income | $1,297,000 | 8,478 |
| Provision for loan and lease losses | $26,000 | 7,586 |
| Total noninterest income | $133,000 | 8,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $133,000 | 6,011 |
| Total noninterest expense | $883,000 | 8,741 |
| Salaries and employee benefits | $335,000 | 9,695 |
| Premises and equipment expense | $160,000 | 7,589 |
| Additional noninterest expense | $388,000 | 7,459 |
| Pre-tax net operating income | $521,000 | 7,811 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $203,000 | 6,834 |
| Income before extraordinary items | $318,000 | 8,241 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $318,000 | 8,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $660,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $318,000 | 8,197 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,257,000 | 7,655 |
| Total interest expense | $1,842,000 | 6,745 |
| Net interest income | $1,415,000 | 8,475 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $942,000 | 8,910 |
| Salaries and employee benefits | $342,000 | 10,022 |
| Premises and equipment expense | $153,000 | 7,986 |
| Additional noninterest expense | $447,000 | 7,494 |
| Pre-tax net operating income | $539,000 | 7,732 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $295,000 | 5,890 |
| Income before extraordinary items | $244,000 | 8,885 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $244,000 | 8,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $79,000 | 7,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $244,000 | 8,826 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 8,401 |
| Total interest expense | $1,615,000 | 7,374 |
| Net interest income | $1,266,000 | 9,170 |
| Provision for loan and lease losses | $19,000 | 7,763 |
| Total noninterest income | $222,000 | 8,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $222,000 | 4,822 |
| Total noninterest expense | $664,000 | 10,315 |
| Salaries and employee benefits | $316,000 | 10,619 |
| Premises and equipment expense | $151,000 | 8,239 |
| Additional noninterest expense | $197,000 | 10,449 |
| Pre-tax net operating income | $805,000 | 6,819 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $237,000 | 6,847 |
| Income before extraordinary items | $568,000 | 6,801 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $568,000 | 6,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $568,000 | 6,775 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,656,000 | 8,640 |
| Total interest expense | $1,395,000 | 7,219 |
| Net interest income | $1,261,000 | 9,588 |
| Provision for loan and lease losses | $21,000 | 7,711 |
| Total noninterest income | $60,000 | 11,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $668,000 | 10,834 |
| Salaries and employee benefits | $288,000 | 11,318 |
| Premises and equipment expense | $147,000 | 8,631 |
| Additional noninterest expense | $233,000 | 10,727 |
| Pre-tax net operating income | $632,000 | 7,823 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $238,000 | 6,717 |
| Income before extraordinary items | $394,000 | 8,247 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $394,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $73,000 | 7,479 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,111 |
| Net operating income | $394,000 | 8,291 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,679,000 | 8,858 |
| Total interest expense | $1,488,000 | 7,247 |
| Net interest income | $1,191,000 | 10,089 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $49,000 | 12,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $49,000 | 10,159 |
| Total noninterest expense | $592,000 | 11,700 |
| Salaries and employee benefits | $286,000 | 11,805 |
| Premises and equipment expense | $137,000 | 9,260 |
| Additional noninterest expense | $169,000 | 12,164 |
| Pre-tax net operating income | $623,000 | 7,792 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $234,000 | 7,024 |
| Income before extraordinary items | $392,000 | 8,517 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $392,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $390,080 | 8,268 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 9,060 |
| Total interest expense | $1,946,000 | 7,228 |
| Net interest income | $1,017,000 | 11,039 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $43,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $43,000 | 10,841 |
| Total noninterest expense | $558,000 | 12,312 |
| Salaries and employee benefits | $265,000 | 12,430 |
| Premises and equipment expense | $110,000 | 10,377 |
| Additional noninterest expense | $183,000 | 12,480 |
| Pre-tax net operating income | $478,000 | 8,567 |
| Securities gains (losses) | $-615,000 | 13,907 |
| Applicable income taxes | $78,000 | 10,500 |
| Income before extraordinary items | $-215,000 | 13,198 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-215,000 | 13,191 |
| 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 | $0 | 1,165 |
| Net operating income | $400,000 | 7,862 |
* 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.