Home > First Federal Savings Bank > Income and Expense
First Federal Savings Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 5,810 |
| Total interest expense | $1,125,000 | 5,000 |
| Net interest income | $1,795,000 | 6,058 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $159,000 | 7,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,224 |
| Total noninterest expense | $1,237,000 | 6,601 |
| Salaries and employee benefits | $674,000 | 6,588 |
| Premises and equipment expense | $253,000 | 5,289 |
| Additional noninterest expense | $310,000 | 7,047 |
| Pre-tax net operating income | $717,000 | 5,439 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $206,000 | 4,604 |
| Income before extraordinary items | $511,000 | 5,803 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $511,000 | 5,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $550,000 | 2,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $511,000 | 5,631 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,041,000 | 5,670 |
| Total interest expense | $785,000 | 4,988 |
| Net interest income | $1,256,000 | 5,916 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $113,000 | 7,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $113,000 | 5,110 |
| Total noninterest expense | $816,000 | 6,653 |
| Salaries and employee benefits | $441,000 | 6,666 |
| Premises and equipment expense | $168,000 | 5,277 |
| Additional noninterest expense | $207,000 | 7,051 |
| Pre-tax net operating income | $553,000 | 5,059 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $163,000 | 4,361 |
| Income before extraordinary items | $390,000 | 5,480 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $390,000 | 5,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $390,000 | 5,267 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 5,480 |
| Total interest expense | $411,000 | 4,954 |
| Net interest income | $679,000 | 5,638 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $49,000 | 7,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 5,306 |
| Total noninterest expense | $416,000 | 6,590 |
| Salaries and employee benefits | $232,000 | 6,518 |
| Premises and equipment expense | $81,000 | 5,408 |
| Additional noninterest expense | $103,000 | 7,068 |
| Pre-tax net operating income | $312,000 | 4,693 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $94,000 | 4,051 |
| Income before extraordinary items | $218,000 | 5,089 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $218,000 | 5,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $218,000 | 4,891 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,864,000 | 5,268 |
| Total interest expense | $2,054,000 | 4,700 |
| Net interest income | $2,810,000 | 5,509 |
| Provision for loan and lease losses | $-32,000 | 9,213 |
| Total noninterest income | $257,000 | 6,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $257,000 | 4,572 |
| Total noninterest expense | $1,566,000 | 6,716 |
| Salaries and employee benefits | $866,000 | 6,635 |
| Premises and equipment expense | $320,000 | 5,360 |
| Additional noninterest expense | $380,000 | 7,288 |
| Pre-tax net operating income | $1,533,000 | 4,051 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $471,000 | 3,579 |
| Income before extraordinary items | $1,062,000 | 4,426 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,062,000 | 4,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-144,000 | 9,262 |
| Cash dividends | $1,150,000 | 2,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,062,000 | 4,317 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,210,000 | 5,480 |
| Total interest expense | $2,741,000 | 5,066 |
| Net interest income | $2,469,000 | 5,758 |
| Provision for loan and lease losses | $39,000 | 6,982 |
| Total noninterest income | $308,000 | 6,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $308,000 | 4,064 |
| Total noninterest expense | $1,588,000 | 6,604 |
| Salaries and employee benefits | $893,000 | 6,400 |
| Premises and equipment expense | $383,000 | 4,736 |
| Additional noninterest expense | $312,000 | 7,768 |
| Pre-tax net operating income | $1,150,000 | 4,529 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $330,000 | 4,086 |
| Income before extraordinary items | $820,000 | 4,809 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $820,000 | 4,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,653 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $820,000 | 4,687 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,230,000 | 5,581 |
| Total interest expense | $2,703,000 | 5,304 |
| Net interest income | $2,527,000 | 5,757 |
| Provision for loan and lease losses | $42,000 | 6,799 |
| Total noninterest income | $314,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $314,000 | 3,821 |
| Total noninterest expense | $1,658,000 | 6,348 |
| Salaries and employee benefits | $983,000 | 5,988 |
| Premises and equipment expense | $455,000 | 4,100 |
| Additional noninterest expense | $220,000 | 8,601 |
| Pre-tax net operating income | $1,141,000 | 4,870 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $327,000 | 4,401 |
| Income before extraordinary items | $817,000 | 4,985 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $817,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,719 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $814,870 | 4,987 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,417,000 | 5,297 |
| Total interest expense | $2,681,000 | 5,000 |
| Net interest income | $2,736,000 | 5,495 |
| Provision for loan and lease losses | $34,000 | 7,136 |
| Total noninterest income | $279,000 | 6,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $279,000 | 4,183 |
| Total noninterest expense | $1,733,000 | 6,223 |
| Salaries and employee benefits | $976,000 | 5,981 |
| Premises and equipment expense | $501,000 | 3,761 |
| Additional noninterest expense | $256,000 | 8,505 |
| Pre-tax net operating income | $1,248,000 | 4,654 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $358,000 | 4,421 |
| Income before extraordinary items | $890,000 | 4,778 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $890,000 | 4,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,734 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $890,000 | 4,736 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,826,000 | 5,113 |
| Total interest expense | $3,106,000 | 4,593 |
| Net interest income | $2,720,000 | 5,528 |
| Provision for loan and lease losses | $28,000 | 7,415 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $249,000 | 4,439 |
| Total noninterest expense | $1,695,000 | 6,241 |
| Salaries and employee benefits | $1,033,000 | 5,652 |
| Premises and equipment expense | $415,000 | 4,292 |
| Additional noninterest expense | $247,000 | 8,632 |
| Pre-tax net operating income | $1,246,000 | 4,762 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $358,000 | 4,708 |
| Income before extraordinary items | $893,000 | 4,854 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $893,000 | 4,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $2,500,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $889,450 | 4,767 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,292,000 | 4,868 |
| Total interest expense | $3,457,000 | 4,179 |
| Net interest income | $2,835,000 | 5,532 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $235,000 | 7,404 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $235,000 | 4,541 |
| Total noninterest expense | $1,553,000 | 6,659 |
| Salaries and employee benefits | $927,000 | 6,164 |
| Premises and equipment expense | $381,000 | 4,611 |
| Additional noninterest expense | $245,000 | 8,903 |
| Pre-tax net operating income | $1,489,000 | 4,519 |
| Securities gains (losses) | $16,000 | 2,045 |
| Applicable income taxes | $473,000 | 4,381 |
| Income before extraordinary items | $1,032,000 | 4,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,032,000 | 4,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $4,700,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,020,960 | 4,567 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,948,000 | 5,218 |
| Total interest expense | $3,051,000 | 4,717 |
| Net interest income | $2,897,000 | 5,585 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $185,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $185,000 | 5,391 |
| Total noninterest expense | $1,903,000 | 6,155 |
| Salaries and employee benefits | $883,000 | 6,542 |
| Premises and equipment expense | $289,000 | 5,733 |
| Additional noninterest expense | $731,000 | 5,567 |
| Pre-tax net operating income | $1,173,000 | 5,202 |
| Securities gains (losses) | $34,000 | 1,599 |
| Applicable income taxes | $380,000 | 5,054 |
| Income before extraordinary items | $827,000 | 5,184 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $827,000 | 5,184 |
| 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 | $803,540 | 5,224 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,568,000 | 6,389 |
| Total interest expense | $2,478,000 | 5,612 |
| Net interest income | $2,090,000 | 7,103 |
| Provision for loan and lease losses | $215,000 | 2,872 |
| Total noninterest income | $129,000 | 9,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $129,000 | 6,436 |
| Total noninterest expense | $1,387,000 | 7,627 |
| Salaries and employee benefits | $703,000 | 7,698 |
| Premises and equipment expense | $342,000 | 5,108 |
| Additional noninterest expense | $342,000 | 8,776 |
| Pre-tax net operating income | $617,000 | 7,792 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $199,000 | 7,429 |
| Income before extraordinary items | $418,000 | 7,896 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $418,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $418,000 | 7,871 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 6,499 |
| Total interest expense | $1,970,000 | 5,678 |
| Net interest income | $2,200,000 | 7,090 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $98,000 | 10,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $98,000 | 7,572 |
| Total noninterest expense | $1,121,000 | 8,900 |
| Salaries and employee benefits | $572,000 | 8,808 |
| Premises and equipment expense | $285,000 | 5,938 |
| Additional noninterest expense | $264,000 | 10,358 |
| Pre-tax net operating income | $1,161,000 | 5,363 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $354,000 | 5,224 |
| Income before extraordinary items | $807,000 | 5,328 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $807,000 | 5,341 |
| 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 | $807,000 | 5,386 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 6,329 |
| Total interest expense | $2,099,000 | 5,607 |
| Net interest income | $2,378,000 | 6,774 |
| Provision for loan and lease losses | $23,000 | 8,904 |
| Total noninterest income | $84,000 | 11,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $981,000 | 9,818 |
| Salaries and employee benefits | $554,000 | 9,181 |
| Premises and equipment expense | $222,000 | 7,249 |
| Additional noninterest expense | $205,000 | 11,659 |
| Pre-tax net operating income | $1,458,000 | 4,438 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $444,000 | 4,631 |
| Income before extraordinary items | $1,014,000 | 4,654 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,014,000 | 4,783 |
| 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 | $1,014,000 | 4,410 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,701,000 | 6,668 |
| Total interest expense | $2,506,000 | 5,982 |
| Net interest income | $2,195,000 | 7,259 |
| Provision for loan and lease losses | $40,000 | 9,471 |
| Total noninterest income | $82,000 | 12,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $910,000 | 10,423 |
| Salaries and employee benefits | $492,000 | 9,859 |
| Premises and equipment expense | $206,000 | 7,697 |
| Additional noninterest expense | $212,000 | 12,073 |
| Pre-tax net operating income | $1,327,000 | 4,535 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $404,000 | 4,753 |
| Income before extraordinary items | $923,000 | 4,840 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $923,000 | 4,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $923,000 | 4,510 |
* 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.