Home > First Federal Savings Bank > Income and Expense
First Federal Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,230,000 | 2,481 |
| Total interest expense | $7,331,000 | 2,033 |
| Net interest income | $5,899,000 | 2,972 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $350,000 | 6,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $350,000 | 3,695 |
| Total noninterest expense | $3,842,000 | 3,436 |
| Salaries and employee benefits | $1,935,000 | 3,548 |
| Premises and equipment expense | $684,000 | 2,924 |
| Additional noninterest expense | $1,223,000 | 3,369 |
| Pre-tax net operating income | $2,347,000 | 2,938 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $937,000 | 2,322 |
| Income before extraordinary items | $1,410,000 | 3,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $16,000,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,410,000 | 3,362 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,074,000 | 2,489 |
| Total interest expense | $6,583,000 | 2,295 |
| Net interest income | $6,491,000 | 2,635 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $345,000 | 6,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $345,000 | 3,731 |
| Total noninterest expense | $3,626,000 | 3,506 |
| Salaries and employee benefits | $1,957,000 | 3,414 |
| Premises and equipment expense | $658,000 | 2,933 |
| Additional noninterest expense | $1,011,000 | 3,921 |
| Pre-tax net operating income | $3,150,000 | 2,268 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,374,000 | 1,763 |
| Income before extraordinary items | $1,776,000 | 2,816 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,776,000 | 2,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $6,000,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,776,000 | 2,745 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,063,000 | 2,710 |
| Total interest expense | $5,647,000 | 2,645 |
| Net interest income | $6,416,000 | 2,709 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $307,000 | 6,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $307,000 | 3,872 |
| Total noninterest expense | $3,368,000 | 3,729 |
| Salaries and employee benefits | $1,847,000 | 3,546 |
| Premises and equipment expense | $571,000 | 3,299 |
| Additional noninterest expense | $950,000 | 4,097 |
| Pre-tax net operating income | $3,295,000 | 2,287 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,392,000 | 1,823 |
| Income before extraordinary items | $1,903,000 | 2,699 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,903,000 | 2,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,903,000 | 2,651 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,689,000 | 2,826 |
| Total interest expense | $5,338,000 | 2,847 |
| Net interest income | $6,351,000 | 2,782 |
| Provision for loan and lease losses | $128,000 | 4,455 |
| Total noninterest income | $331,000 | 6,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $331,000 | 3,831 |
| Total noninterest expense | $4,098,000 | 3,277 |
| Salaries and employee benefits | $1,678,000 | 3,894 |
| Premises and equipment expense | $533,000 | 3,588 |
| Additional noninterest expense | $1,887,000 | 2,592 |
| Pre-tax net operating income | $2,456,000 | 2,814 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $829,000 | 2,761 |
| Income before extraordinary items | $1,627,000 | 2,954 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,627,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,627,000 | 2,921 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,758,000 | 3,083 |
| Total interest expense | $5,287,000 | 2,886 |
| Net interest income | $5,471,000 | 3,247 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $328,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $328,000 | 3,788 |
| Total noninterest expense | $2,729,000 | 4,631 |
| Salaries and employee benefits | $1,525,000 | 4,220 |
| Premises and equipment expense | $462,000 | 4,030 |
| Additional noninterest expense | $742,000 | 5,578 |
| Pre-tax net operating income | $2,910,000 | 2,491 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,390,000 | 1,763 |
| Income before extraordinary items | $1,520,000 | 3,212 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,520,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,520,000 | 3,195 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,683,000 | 2,844 |
| Total interest expense | $4,376,000 | 2,802 |
| Net interest income | $6,307,000 | 2,866 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $328,000 | 6,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $328,000 | 3,864 |
| Total noninterest expense | $2,411,000 | 5,318 |
| Salaries and employee benefits | $1,225,000 | 5,152 |
| Premises and equipment expense | $447,000 | 4,175 |
| Additional noninterest expense | $739,000 | 6,069 |
| Pre-tax net operating income | $4,164,000 | 1,706 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,920,000 | 1,249 |
| Income before extraordinary items | $2,244,000 | 2,184 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,244,000 | 2,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,244,000 | 2,197 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,906,000 | 2,841 |
| Total interest expense | $4,373,000 | 2,921 |
| Net interest income | $6,533,000 | 2,764 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $374,000 | 6,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $374,000 | 3,925 |
| Total noninterest expense | $2,076,000 | 6,142 |
| Salaries and employee benefits | $1,150,000 | 5,430 |
| Premises and equipment expense | $460,000 | 4,160 |
| Additional noninterest expense | $466,000 | 8,552 |
| Pre-tax net operating income | $4,771,000 | 1,473 |
| Securities gains (losses) | $52,000 | 3,344 |
| Applicable income taxes | $1,915,000 | 1,251 |
| Income before extraordinary items | $2,908,000 | 1,728 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,908,000 | 1,792 |
| 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 | $2,874,720 | 1,648 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,408,000 | 3,082 |
| Total interest expense | $5,734,000 | 2,909 |
| Net interest income | $5,674,000 | 3,226 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $283,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $283,000 | 4,594 |
| Total noninterest expense | $2,383,000 | 5,521 |
| Salaries and employee benefits | $1,123,000 | 5,495 |
| Premises and equipment expense | $465,000 | 4,231 |
| Additional noninterest expense | $795,000 | 6,097 |
| Pre-tax net operating income | $3,514,000 | 1,753 |
| Securities gains (losses) | $-1,032,000 | 13,912 |
| Applicable income taxes | $1,063,000 | 2,001 |
| Income before extraordinary items | $1,419,000 | 3,237 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,419,000 | 3,274 |
| 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 | $2,079,480 | 2,019 |
* 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.