Home > First Federal Savings and Loan Association of Chilton County > Income and Expense

First Federal Savings and Loan Association of Chilton County, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$5,445,000	5,570
Total interest expense	$3,834,000	3,865
Net interest income	$1,611,000	8,005
Provision for loan and lease losses	$113,000	4,832
Total noninterest income	$247,000	7,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$247,000	4,569
Total noninterest expense	$1,931,000	6,085
Salaries and employee benefits	$665,000	7,742
Premises and equipment expense	$301,000	5,587
Additional noninterest expense	$965,000	4,538
Pre-tax net operating income	$-186,000	11,061
Securities gains (losses)	$10,000	2,493
Applicable income taxes	$-87,000	11,160
Income before extraordinary items	$-89,000	10,981
Extraordinary gains, net	$0	53
Net income	$-89,000	10,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,513
Cash dividends	$47,000	7,606
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-95,400	10,944
1995-12-31 (YTD Data)		Rank
Total interest income	$5,148,000	5,859
Total interest expense	$3,679,000	3,976
Net interest income	$1,469,000	8,627
Provision for loan and lease losses	$35,000	6,883
Total noninterest income	$224,000	8,081
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$224,000	4,795
Total noninterest expense	$1,438,000	7,467
Salaries and employee benefits	$597,000	8,372
Premises and equipment expense	$272,000	6,038
Additional noninterest expense	$569,000	6,725
Pre-tax net operating income	$220,000	10,321
Securities gains (losses)	$33,000	1,557
Applicable income taxes	$-25,000	11,573
Income before extraordinary items	$278,000	9,158
Extraordinary gains, net	$-283,000	11,951
Net income	$-5,000	11,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,002
Cash dividends	$49,000	7,827
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$245,000	9,441
1994-12-31 (YTD Data)		Rank
Total interest income	$4,844,000	5,801
Total interest expense	$2,956,000	4,013
Net interest income	$1,888,000	7,837
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$234,000	8,180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$234,000	4,766
Total noninterest expense	$1,347,000	8,093
Salaries and employee benefits	$584,000	8,732
Premises and equipment expense	$269,000	6,192
Additional noninterest expense	$494,000	7,905
Pre-tax net operating income	$715,000	7,311
Securities gains (losses)	$7,000	2,440
Applicable income taxes	$223,000	6,971
Income before extraordinary items	$499,000	7,331
Extraordinary gains, net	$0	249
Net income	$499,000	7,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,160
Cash dividends	$47,000	8,055
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$494,170	7,395
1993-12-31 (YTD Data)		Rank
Total interest income	$5,050,000	5,731
Total interest expense	$3,098,000	4,007
Net interest income	$1,952,000	7,822
Provision for loan and lease losses	$-111,000	12,927
Total noninterest income	$345,000	7,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$345,000	4,141
Total noninterest expense	$1,795,000	6,904
Salaries and employee benefits	$548,000	9,240
Premises and equipment expense	$269,000	6,349
Additional noninterest expense	$978,000	5,010
Pre-tax net operating income	$613,000	7,859
Securities gains (losses)	$43,000	3,630
Applicable income taxes	$322,000	5,812
Income before extraordinary items	$334,000	9,095
Extraordinary gains, net	$0	3,149
Net income	$334,000	9,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	5,636
Cash dividends	$44,000	8,137
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$306,480	9,148
1992-12-31 (YTD Data)		Rank
Total interest income	$5,571,000	5,835
Total interest expense	$3,743,000	4,306
Net interest income	$1,828,000	8,257
Provision for loan and lease losses	$275,000	4,347
Total noninterest income	$252,000	8,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$252,000	4,933
Total noninterest expense	$1,296,000	8,677
Salaries and employee benefits	$483,000	9,938
Premises and equipment expense	$278,000	6,313
Additional noninterest expense	$535,000	8,141
Pre-tax net operating income	$509,000	8,349
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$89,000	10,194
Income before extraordinary items	$429,000	7,940
Extraordinary gains, net	$0	1,422
Net income	$429,000	8,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	7,390
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$421,530	7,648

* 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.