Home > First Federal Savings Bank > Income and Expense
First Federal Savings Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,229,000 | 3,241 |
| Total interest expense | $5,492,000 | 2,894 |
| Net interest income | $4,737,000 | 3,596 |
| Provision for loan and lease losses | $121,000 | 5,176 |
| Total noninterest income | $823,000 | 3,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $823,000 | 2,341 |
| Total noninterest expense | $3,681,000 | 3,680 |
| Salaries and employee benefits | $2,081,000 | 3,479 |
| Premises and equipment expense | $787,000 | 2,671 |
| Additional noninterest expense | $813,000 | 4,728 |
| Pre-tax net operating income | $1,758,000 | 3,486 |
| Securities gains (losses) | $84,000 | 1,894 |
| Applicable income taxes | $607,000 | 2,950 |
| Income before extraordinary items | $1,235,000 | 3,718 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,235,000 | 3,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,840 |
| Cash dividends | $3,350,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,178,720 | 3,731 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,730,000 | 3,482 |
| Total interest expense | $4,646,000 | 3,520 |
| Net interest income | $5,084,000 | 3,417 |
| Provision for loan and lease losses | $106,000 | 5,184 |
| Total noninterest income | $687,000 | 4,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $687,000 | 2,390 |
| Total noninterest expense | $3,214,000 | 3,990 |
| Salaries and employee benefits | $1,802,000 | 3,773 |
| Premises and equipment expense | $724,000 | 2,801 |
| Additional noninterest expense | $688,000 | 5,239 |
| Pre-tax net operating income | $2,451,000 | 2,809 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $877,000 | 2,356 |
| Income before extraordinary items | $1,574,000 | 3,131 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,574,000 | 3,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,623 |
| Cash dividends | $875,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,574,000 | 3,128 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,606,000 | 3,340 |
| Total interest expense | $5,203,000 | 2,805 |
| Net interest income | $4,403,000 | 3,859 |
| Provision for loan and lease losses | $91,000 | 5,422 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $749,000 | 2,259 |
| Total noninterest expense | $3,006,000 | 4,200 |
| Salaries and employee benefits | $1,639,000 | 4,039 |
| Premises and equipment expense | $712,000 | 2,833 |
| Additional noninterest expense | $655,000 | 5,497 |
| Pre-tax net operating income | $2,055,000 | 3,274 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $734,000 | 2,817 |
| Income before extraordinary items | $1,321,000 | 3,596 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,321,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,321,000 | 3,557 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,446,000 | 3,094 |
| Total interest expense | $5,976,000 | 2,533 |
| Net interest income | $4,470,000 | 3,755 |
| Provision for loan and lease losses | $92,000 | 5,281 |
| Total noninterest income | $549,000 | 4,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $549,000 | 2,815 |
| Total noninterest expense | $3,255,000 | 3,835 |
| Salaries and employee benefits | $1,960,000 | 3,409 |
| Premises and equipment expense | $636,000 | 3,003 |
| Additional noninterest expense | $659,000 | 5,393 |
| Pre-tax net operating income | $1,672,000 | 3,861 |
| Securities gains (losses) | $64,000 | 1,566 |
| Applicable income taxes | $539,000 | 3,664 |
| Income before extraordinary items | $1,197,000 | 3,939 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,197,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,703 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,152,840 | 3,967 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,761,000 | 3,018 |
| Total interest expense | $6,027,000 | 2,482 |
| Net interest income | $4,734,000 | 3,669 |
| Provision for loan and lease losses | $530,000 | 1,698 |
| Total noninterest income | $534,000 | 4,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $534,000 | 2,693 |
| Total noninterest expense | $3,008,000 | 4,089 |
| Salaries and employee benefits | $1,781,000 | 3,678 |
| Premises and equipment expense | $733,000 | 2,627 |
| Additional noninterest expense | $494,000 | 6,544 |
| Pre-tax net operating income | $1,730,000 | 3,984 |
| Securities gains (losses) | $44,000 | 1,416 |
| Applicable income taxes | $588,000 | 3,747 |
| Income before extraordinary items | $1,186,000 | 4,096 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,186,000 | 4,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,725 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,156,520 | 4,121 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,785,000 | 3,045 |
| Total interest expense | $6,039,000 | 2,535 |
| Net interest income | $4,746,000 | 3,719 |
| Provision for loan and lease losses | $165,000 | 3,866 |
| Total noninterest income | $426,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $426,000 | 3,265 |
| Total noninterest expense | $4,077,000 | 3,292 |
| Salaries and employee benefits | $1,710,000 | 3,839 |
| Premises and equipment expense | $719,000 | 2,717 |
| Additional noninterest expense | $1,648,000 | 2,890 |
| Pre-tax net operating income | $930,000 | 5,989 |
| Securities gains (losses) | $36,000 | 1,560 |
| Applicable income taxes | $308,000 | 5,745 |
| Income before extraordinary items | $658,000 | 5,955 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $658,000 | 5,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $2,000,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $633,520 | 6,021 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,847,000 | 3,327 |
| Total interest expense | $5,271,000 | 2,893 |
| Net interest income | $4,576,000 | 3,843 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $387,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $387,000 | 3,372 |
| Total noninterest expense | $3,334,000 | 3,918 |
| Salaries and employee benefits | $1,831,000 | 3,588 |
| Premises and equipment expense | $750,000 | 2,640 |
| Additional noninterest expense | $753,000 | 5,511 |
| Pre-tax net operating income | $1,549,000 | 4,335 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $602,000 | 3,647 |
| Income before extraordinary items | $947,000 | 4,798 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $947,000 | 4,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $5,177,000 | 618 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $947,000 | 4,793 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,002,000 | 3,731 |
| Total interest expense | $3,649,000 | 3,339 |
| Net interest income | $4,353,000 | 4,047 |
| Provision for loan and lease losses | $11,000 | 8,408 |
| Total noninterest income | $356,000 | 6,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $356,000 | 3,672 |
| Total noninterest expense | $3,188,000 | 4,186 |
| Salaries and employee benefits | $1,751,000 | 3,727 |
| Premises and equipment expense | $609,000 | 3,229 |
| Additional noninterest expense | $828,000 | 5,544 |
| Pre-tax net operating income | $1,510,000 | 4,392 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $621,000 | 3,409 |
| Income before extraordinary items | $889,000 | 4,966 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $889,000 | 4,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,738 |
| Cash dividends | $914,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 803 |
| Net operating income | $889,000 | 5,018 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,079,000 | 3,785 |
| Total interest expense | $3,617,000 | 3,468 |
| Net interest income | $4,462,000 | 3,978 |
| Provision for loan and lease losses | $19,000 | 9,170 |
| Total noninterest income | $314,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $314,000 | 4,341 |
| Total noninterest expense | $3,079,000 | 4,408 |
| Salaries and employee benefits | $1,725,000 | 3,768 |
| Premises and equipment expense | $619,000 | 3,231 |
| Additional noninterest expense | $735,000 | 6,331 |
| Pre-tax net operating income | $1,678,000 | 3,919 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $605,000 | 3,574 |
| Income before extraordinary items | $1,073,000 | 4,415 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,073,000 | 4,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $1,171,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 935 |
| Net operating income | $1,073,000 | 4,190 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,524,000 | 4,058 |
| Total interest expense | $4,402,000 | 3,720 |
| Net interest income | $4,122,000 | 4,324 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $277,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $277,000 | 4,654 |
| Total noninterest expense | $2,811,000 | 4,795 |
| Salaries and employee benefits | $1,523,000 | 4,175 |
| Premises and equipment expense | $504,000 | 3,947 |
| Additional noninterest expense | $782,000 | 6,192 |
| Pre-tax net operating income | $1,590,000 | 3,835 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $567,000 | 3,596 |
| Income before extraordinary items | $1,023,000 | 4,398 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,023,000 | 4,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 12,801 |
| Cash dividends | $887,000 | 1,732 |
| Sale, conversion, retirement of capital stock, net | $849,000 | 448 |
| Net operating income | $1,023,000 | 4,091 |
* 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.