Home > First Federal Savings and Loan Association of Osceola County > Income and Expense
First Federal Savings and Loan Association of Osceola County, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,995,000 | 1,524 |
| Total interest expense | $12,023,000 | 1,343 |
| Net interest income | $9,972,000 | 1,775 |
| Provision for loan and lease losses | $783,000 | 1,222 |
| Total noninterest income | $2,570,000 | 1,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-197,000 | 4,691 |
| Additional Noninterest Income | $2,767,000 | 932 |
| Total noninterest expense | $9,489,000 | 1,505 |
| Salaries and employee benefits | $4,195,000 | 1,597 |
| Premises and equipment expense | $2,593,000 | 835 |
| Additional noninterest expense | $2,701,000 | 1,888 |
| Pre-tax net operating income | $2,270,000 | 3,070 |
| Securities gains (losses) | $136,000 | 835 |
| Applicable income taxes | $803,000 | 2,830 |
| Income before extraordinary items | $1,603,000 | 3,003 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,603,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,999 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,511,880 | 3,128 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,548,000 | 1,735 |
| Total interest expense | $10,113,000 | 1,582 |
| Net interest income | $9,435,000 | 1,900 |
| Provision for loan and lease losses | $478,000 | 1,637 |
| Total noninterest income | $2,311,000 | 1,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $295,000 | 210 |
| Additional Noninterest Income | $2,016,000 | 1,123 |
| Total noninterest expense | $9,320,000 | 1,523 |
| Salaries and employee benefits | $4,047,000 | 1,638 |
| Premises and equipment expense | $2,379,000 | 912 |
| Additional noninterest expense | $2,894,000 | 1,752 |
| Pre-tax net operating income | $1,948,000 | 3,575 |
| Securities gains (losses) | $86,000 | 1,031 |
| Applicable income taxes | $444,000 | 4,565 |
| Income before extraordinary items | $1,590,000 | 3,084 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,590,000 | 3,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,222,000 | 430 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,522,920 | 3,191 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,637,000 | 1,847 |
| Total interest expense | $7,553,000 | 1,660 |
| Net interest income | $9,084,000 | 1,996 |
| Provision for loan and lease losses | $-1,403,000 | 12,543 |
| Total noninterest income | $2,357,000 | 1,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-77,000 | 4,866 |
| Additional Noninterest Income | $2,434,000 | 1,004 |
| Total noninterest expense | $12,364,000 | 1,208 |
| Salaries and employee benefits | $3,917,000 | 1,709 |
| Premises and equipment expense | $2,265,000 | 942 |
| Additional noninterest expense | $6,182,000 | 992 |
| Pre-tax net operating income | $480,000 | 8,790 |
| Securities gains (losses) | $131,000 | 665 |
| Applicable income taxes | $174,000 | 7,835 |
| Income before extraordinary items | $437,000 | 7,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $437,000 | 7,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,801 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,400,000 | 278 |
| Net operating income | $342,680 | 8,760 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,399,000 | 1,627 |
| Total interest expense | $9,032,000 | 1,477 |
| Net interest income | $10,367,000 | 1,740 |
| Provision for loan and lease losses | $3,853,000 | 521 |
| Total noninterest income | $625,000 | 4,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $625,000 | 2,801 |
| Total noninterest expense | $9,770,000 | 1,552 |
| Salaries and employee benefits | $4,011,000 | 1,686 |
| Premises and equipment expense | $2,385,000 | 929 |
| Additional noninterest expense | $3,374,000 | 1,734 |
| Pre-tax net operating income | $-2,631,000 | 13,118 |
| Securities gains (losses) | $68,000 | 3,011 |
| Applicable income taxes | $-1,100,000 | 13,187 |
| Income before extraordinary items | $-1,463,000 | 13,051 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,463,000 | 13,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,840 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $5,200,000 | 191 |
| Net operating income | $-1,506,520 | 13,020 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $25,234,000 | 1,449 |
| Total interest expense | $14,381,000 | 1,224 |
| Net interest income | $10,853,000 | 1,692 |
| Provision for loan and lease losses | $5,991,000 | 534 |
| Total noninterest income | $-3,593,000 | 13,925 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $-3,593,000 | 13,964 |
| Total noninterest expense | $11,799,000 | 1,341 |
| Salaries and employee benefits | $4,871,000 | 1,374 |
| Premises and equipment expense | $2,488,000 | 938 |
| Additional noninterest expense | $4,440,000 | 1,479 |
| Pre-tax net operating income | $-10,531,000 | 13,877 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-988,000 | 13,824 |
| Income before extraordinary items | $-9,542,000 | 13,854 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-9,542,000 | 13,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,605,000 | 1,142 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-9,542,000 | 13,838 |
* 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.