Home > First Federal Savings Bank > Income and Expense

First Federal Savings Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$7,208,000	4,335
Total interest expense	$3,257,000	4,430
Net interest income	$3,951,000	4,161
Provision for loan and lease losses	$357,000	2,872
Total noninterest income	$459,000	5,300
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$459,000	3,275
Total noninterest expense	$4,347,000	3,182
Salaries and employee benefits	$2,158,000	3,367
Premises and equipment expense	$1,034,000	2,061
Additional noninterest expense	$1,155,000	3,625
Pre-tax net operating income	$-294,000	9,026
Securities gains (losses)	$326,000	850
Applicable income taxes	$108,000	5,918
Income before extraordinary items	$-76,000	8,930
Extraordinary gains, net	$0	105
Net income	$-76,000	8,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$546,000	1,466
Cash dividends	$447,000	3,673
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-284,640	9,052
2000-12-31 (YTD Data)		Rank
Total interest income	$8,225,000	4,037
Total interest expense	$3,353,000	4,524
Net interest income	$4,872,000	3,558
Provision for loan and lease losses	$366,000	2,448
Total noninterest income	$304,000	6,269
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$304,000	3,885
Total noninterest expense	$4,572,000	2,953
Salaries and employee benefits	$2,255,000	3,114
Premises and equipment expense	$1,035,000	2,002
Additional noninterest expense	$1,282,000	3,219
Pre-tax net operating income	$238,000	8,195
Securities gains (losses)	$269,000	362
Applicable income taxes	$189,000	5,498
Income before extraordinary items	$318,000	7,364
Extraordinary gains, net	$0	38
Net income	$318,000	7,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$538,000	1,182
Cash dividends	$462,000	3,694
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$145,840	8,444
1999-12-31 (YTD Data)		Rank
Total interest income	$7,827,000	4,000
Total interest expense	$3,053,000	4,538
Net interest income	$4,774,000	3,597
Provision for loan and lease losses	$102,000	5,170
Total noninterest income	$673,000	4,100
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$673,000	2,443
Total noninterest expense	$5,262,000	2,568
Salaries and employee benefits	$2,725,000	2,585
Premises and equipment expense	$1,023,000	1,998
Additional noninterest expense	$1,514,000	2,842
Pre-tax net operating income	$83,000	9,136
Securities gains (losses)	$728,000	273
Applicable income taxes	$314,000	4,713
Income before extraordinary items	$497,000	6,459
Extraordinary gains, net	$108,000	16
Net income	$605,000	5,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	1,789
Cash dividends	$436,000	3,775
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$31,080	9,293
1998-12-31 (YTD Data)		Rank
Total interest income	$7,388,000	4,210
Total interest expense	$3,265,000	4,414
Net interest income	$4,123,000	4,030
Provision for loan and lease losses	$70,000	5,864
Total noninterest income	$917,000	3,278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$917,000	1,983
Total noninterest expense	$4,185,000	3,096
Salaries and employee benefits	$2,007,000	3,323
Premises and equipment expense	$870,000	2,237
Additional noninterest expense	$1,308,000	3,112
Pre-tax net operating income	$785,000	6,149
Securities gains (losses)	$369,000	659
Applicable income taxes	$392,000	4,475
Income before extraordinary items	$762,000	5,353
Extraordinary gains, net	$0	32
Net income	$762,000	5,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	4,805
Cash dividends	$148,000	5,838
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$518,460	6,382
1997-12-31 (YTD Data)		Rank
Total interest income	$6,016,000	5,060
Total interest expense	$2,878,000	4,888
Net interest income	$3,138,000	5,119
Provision for loan and lease losses	$53,000	6,553
Total noninterest income	$738,000	3,808
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$738,000	2,151
Total noninterest expense	$3,098,000	3,998
Salaries and employee benefits	$1,556,000	4,119
Premises and equipment expense	$603,000	3,139
Additional noninterest expense	$939,000	4,142
Pre-tax net operating income	$725,000	6,878
Securities gains (losses)	$174,000	773
Applicable income taxes	$313,000	5,608
Income before extraordinary items	$586,000	6,445
Extraordinary gains, net	$0	44
Net income	$586,000	6,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,092
Cash dividends	$147,000	5,980
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$472,900	7,104
1996-12-31 (YTD Data)		Rank
Total interest income	$4,880,000	6,051
Total interest expense	$2,343,000	5,769
Net interest income	$2,537,000	6,131
Provision for loan and lease losses	$-51,000	11,208
Total noninterest income	$666,000	4,255
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$666,000	2,390
Total noninterest expense	$3,100,000	4,209
Salaries and employee benefits	$1,412,000	4,557
Premises and equipment expense	$545,000	3,514
Additional noninterest expense	$1,143,000	3,934
Pre-tax net operating income	$154,000	10,056
Securities gains (losses)	$304,000	547
Applicable income taxes	$177,000	7,479
Income before extraordinary items	$281,000	8,582
Extraordinary gains, net	$0	53
Net income	$281,000	8,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,503
Cash dividends	$87,000	6,947
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$86,440	10,300
1995-12-31 (YTD Data)		Rank
Total interest income	$4,847,000	6,134
Total interest expense	$2,427,000	5,701
Net interest income	$2,420,000	6,446
Provision for loan and lease losses	$9,000	8,431
Total noninterest income	$728,000	3,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$728,000	2,239
Total noninterest expense	$2,802,000	4,530
Salaries and employee benefits	$1,450,000	4,421
Premises and equipment expense	$511,000	3,695
Additional noninterest expense	$841,000	5,044
Pre-tax net operating income	$337,000	9,485
Securities gains (losses)	$137,000	819
Applicable income taxes	$186,000	7,672
Income before extraordinary items	$288,000	9,058
Extraordinary gains, net	$0	65
Net income	$288,000	9,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,445
Cash dividends	$89,000	7,059
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$200,320	9,898
1994-12-31 (YTD Data)		Rank
Total interest income	$4,145,000	6,528
Total interest expense	$1,821,000	6,012
Net interest income	$2,324,000	6,811
Provision for loan and lease losses	$13,000	8,228
Total noninterest income	$1,066,000	2,977
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,066,000	1,766
Total noninterest expense	$3,081,000	4,313
Salaries and employee benefits	$1,584,000	4,083
Premises and equipment expense	$472,000	3,993
Additional noninterest expense	$1,025,000	4,624
Pre-tax net operating income	$296,000	10,164
Securities gains (losses)	$266,000	413
Applicable income taxes	$200,000	7,346
Income before extraordinary items	$362,000	8,531
Extraordinary gains, net	$0	249
Net income	$362,000	8,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,999
Cash dividends	$88,000	7,176
Sale, conversion, retirement of capital stock, net	$108,000	792
Net operating income	$191,760	10,428
1993-12-31 (YTD Data)		Rank
Total interest income	$3,809,000	7,106
Total interest expense	$1,832,000	6,261
Net interest income	$1,977,000	7,746
Provision for loan and lease losses	$1,000	10,323
Total noninterest income	$770,000	4,117
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$770,000	2,449
Total noninterest expense	$2,537,000	5,210
Salaries and employee benefits	$1,358,000	4,700
Premises and equipment expense	$334,000	5,406
Additional noninterest expense	$845,000	5,656
Pre-tax net operating income	$209,000	10,960
Securities gains (losses)	$487,000	916
Applicable income taxes	$103,000	9,654
Income before extraordinary items	$593,000	6,841
Extraordinary gains, net	$0	3,149
Net income	$593,000	7,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	11,785
Cash dividends	$191,000	5,583
Sale, conversion, retirement of capital stock, net	$2,525,000	306
Net operating income	$179,050	10,664
1992-12-31 (YTD Data)		Rank
Total interest income	$4,414,000	6,994
Total interest expense	$2,700,000	5,642
Net interest income	$1,714,000	8,608
Provision for loan and lease losses	$-27,000	13,555
Total noninterest income	$655,000	4,650
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$655,000	2,666
Total noninterest expense	$1,832,000	6,846
Salaries and employee benefits	$833,000	7,041
Premises and equipment expense	$235,000	7,071
Additional noninterest expense	$764,000	6,321
Pre-tax net operating income	$564,000	7,960
Securities gains (losses)	$96,000	3,079
Applicable income taxes	$46,000	11,363
Income before extraordinary items	$615,000	6,471
Extraordinary gains, net	$0	1,422
Net income	$615,000	6,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-76,000	13,642
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$525,720	6,748

* 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.