Home > First Federal Savings Bank > Income and Expense
First Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,266,000 | 4,890 |
| Total interest expense | $3,751,000 | 3,914 |
| Net interest income | $2,515,000 | 6,034 |
| Provision for loan and lease losses | $89,000 | 5,462 |
| Total noninterest income | $401,000 | 5,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $401,000 | 3,273 |
| Total noninterest expense | $2,549,000 | 4,718 |
| Salaries and employee benefits | $1,284,000 | 4,828 |
| Premises and equipment expense | $720,000 | 2,668 |
| Additional noninterest expense | $545,000 | 6,165 |
| Pre-tax net operating income | $278,000 | 9,129 |
| Securities gains (losses) | $-105,000 | 10,772 |
| Applicable income taxes | $39,000 | 9,426 |
| Income before extraordinary items | $134,000 | 9,739 |
| Extraordinary gains, net | $-24,000 | 10,909 |
| Net income | $110,000 | 9,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $214,850 | 8,995 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,343,000 | 4,968 |
| Total interest expense | $3,768,000 | 3,921 |
| Net interest income | $2,575,000 | 6,071 |
| Provision for loan and lease losses | $181,000 | 3,625 |
| Total noninterest income | $488,000 | 5,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $488,000 | 2,976 |
| Total noninterest expense | $2,782,000 | 4,578 |
| Salaries and employee benefits | $1,128,000 | 5,486 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $1,052,000 | 4,226 |
| Pre-tax net operating income | $100,000 | 10,361 |
| Securities gains (losses) | $-329,000 | 11,346 |
| Applicable income taxes | $-92,000 | 11,164 |
| Income before extraordinary items | $-137,000 | 11,042 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-137,000 | 11,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,598 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $73,560 | 10,390 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,803 |
| Total interest expense | $2,797,000 | 5,062 |
| Net interest income | $2,428,000 | 6,431 |
| Provision for loan and lease losses | $39,000 | 6,693 |
| Total noninterest income | $642,000 | 4,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $642,000 | 2,431 |
| Total noninterest expense | $2,440,000 | 5,105 |
| Salaries and employee benefits | $1,430,000 | 4,465 |
| Premises and equipment expense | $521,000 | 3,629 |
| Additional noninterest expense | $489,000 | 7,351 |
| Pre-tax net operating income | $591,000 | 7,917 |
| Securities gains (losses) | $138,000 | 814 |
| Applicable income taxes | $48,000 | 10,228 |
| Income before extraordinary items | $681,000 | 6,112 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $681,000 | 6,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $489,000 | 3,422 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $552,660 | 6,866 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,619,000 | 6,030 |
| Total interest expense | $2,191,000 | 5,181 |
| Net interest income | $2,428,000 | 6,611 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $317,000 | 7,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $317,000 | 3,939 |
| Total noninterest expense | $2,237,000 | 5,657 |
| Salaries and employee benefits | $1,278,000 | 4,962 |
| Premises and equipment expense | $524,000 | 3,656 |
| Additional noninterest expense | $435,000 | 8,476 |
| Pre-tax net operating income | $505,000 | 8,618 |
| Securities gains (losses) | $83,000 | 860 |
| Applicable income taxes | $-11,000 | 12,089 |
| Income before extraordinary items | $599,000 | 6,554 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $599,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,795 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 759 |
| Net operating income | $516,000 | 7,215 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,518,000 | 6,294 |
| Total interest expense | $2,446,000 | 4,923 |
| Net interest income | $2,072,000 | 7,474 |
| Provision for loan and lease losses | $184,000 | 4,098 |
| Total noninterest income | $481,000 | 5,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-43,000 | 5,106 |
| Additional Noninterest Income | $524,000 | 3,168 |
| Total noninterest expense | $2,144,000 | 5,995 |
| Salaries and employee benefits | $1,103,000 | 5,633 |
| Premises and equipment expense | $516,000 | 3,752 |
| Additional noninterest expense | $525,000 | 7,993 |
| Pre-tax net operating income | $225,000 | 10,825 |
| Securities gains (losses) | $530,000 | 861 |
| Applicable income taxes | $249,000 | 6,818 |
| Income before extraordinary items | $506,000 | 7,496 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $506,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,786,000 | 377 |
| Net operating income | $150,900 | 10,988 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,096,000 | 6,298 |
| Total interest expense | $3,070,000 | 5,060 |
| Net interest income | $2,026,000 | 7,676 |
| Provision for loan and lease losses | $104,000 | 7,172 |
| Total noninterest income | $581,000 | 5,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $14,000 | 394 |
| Additional Noninterest Income | $567,000 | 2,940 |
| Total noninterest expense | $1,942,000 | 6,527 |
| Salaries and employee benefits | $980,000 | 6,144 |
| Premises and equipment expense | $485,000 | 4,078 |
| Additional noninterest expense | $477,000 | 8,672 |
| Pre-tax net operating income | $561,000 | 7,985 |
| Securities gains (losses) | $560,000 | 998 |
| Applicable income taxes | $381,000 | 4,978 |
| Income before extraordinary items | $740,000 | 5,688 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $740,000 | 5,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 9,043 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $370,400 | 8,147 |
* 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.