Home > First Federal Savings Bank of America > Income and Expense
First Federal Savings Bank of America, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $28,612,000 | 293 |
| Total interest expense | $12,840,000 | 203 |
| Net interest income | $15,772,000 | 357 |
| Provision for loan and lease losses | $2,550,000 | 158 |
| Total noninterest income | $1,941,000 | 730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,941,000 | 488 |
| Total noninterest expense | $15,534,000 | 306 |
| Salaries and employee benefits | $9,310,000 | 261 |
| Premises and equipment expense | $2,917,000 | 233 |
| Additional noninterest expense | $3,307,000 | 429 |
| Pre-tax net operating income | $-371,000 | 9,001 |
| Securities gains (losses) | $2,918,000 | 87 |
| Applicable income taxes | $1,456,000 | 545 |
| Income before extraordinary items | $1,091,000 | 1,472 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,091,000 | 1,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 414 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-776,520 | 9,066 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $112,721,000 | 296 |
| Total interest expense | $54,662,000 | 207 |
| Net interest income | $58,059,000 | 364 |
| Provision for loan and lease losses | $775,000 | 1,504 |
| Total noninterest income | $12,578,000 | 550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $12,578,000 | 381 |
| Total noninterest expense | $68,489,000 | 294 |
| Salaries and employee benefits | $42,983,000 | 221 |
| Premises and equipment expense | $10,958,000 | 246 |
| Additional noninterest expense | $14,548,000 | 418 |
| Pre-tax net operating income | $1,373,000 | 4,358 |
| Securities gains (losses) | $35,226,000 | 47 |
| Applicable income taxes | $14,684,000 | 282 |
| Income before extraordinary items | $21,915,000 | 357 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $21,915,000 | 358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,194,000 | 516 |
| Cash dividends | $6,871,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-629,640 | 8,891 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $86,278,000 | 303 |
| Total interest expense | $41,783,000 | 211 |
| Net interest income | $44,495,000 | 366 |
| Provision for loan and lease losses | $500,000 | 1,656 |
| Total noninterest income | $9,737,000 | 568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,737,000 | 393 |
| Total noninterest expense | $50,948,000 | 302 |
| Salaries and employee benefits | $31,348,000 | 231 |
| Premises and equipment expense | $8,084,000 | 253 |
| Additional noninterest expense | $11,516,000 | 413 |
| Pre-tax net operating income | $2,784,000 | 2,177 |
| Securities gains (losses) | $29,046,000 | 51 |
| Applicable income taxes | $12,727,000 | 268 |
| Income before extraordinary items | $19,103,000 | 333 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $19,103,000 | 334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,288 |
| Cash dividends | $4,371,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $513,560 | 5,615 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $55,645,000 | 316 |
| Total interest expense | $27,725,000 | 219 |
| Net interest income | $27,920,000 | 393 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $5,840,000 | 601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,840,000 | 421 |
| Total noninterest expense | $33,973,000 | 299 |
| Salaries and employee benefits | $20,264,000 | 241 |
| Premises and equipment expense | $5,452,000 | 253 |
| Additional noninterest expense | $8,257,000 | 395 |
| Pre-tax net operating income | $-588,000 | 9,098 |
| Securities gains (losses) | $21,703,000 | 51 |
| Applicable income taxes | $8,361,000 | 278 |
| Income before extraordinary items | $12,754,000 | 333 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $12,754,000 | 335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,762 |
| Cash dividends | $4,371,000 | 404 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-1,135,920 | 9,181 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $27,003,000 | 328 |
| Total interest expense | $13,829,000 | 227 |
| Net interest income | $13,174,000 | 413 |
| Provision for loan and lease losses | $125,000 | 1,986 |
| Total noninterest income | $4,111,000 | 483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,111,000 | 356 |
| Total noninterest expense | $17,294,000 | 296 |
| Salaries and employee benefits | $9,843,000 | 254 |
| Premises and equipment expense | $2,801,000 | 253 |
| Additional noninterest expense | $4,650,000 | 365 |
| Pre-tax net operating income | $-134,000 | 9,016 |
| Securities gains (losses) | $10,294,000 | 49 |
| Applicable income taxes | $4,005,000 | 287 |
| Income before extraordinary items | $6,155,000 | 332 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,155,000 | 333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,313 |
| Cash dividends | $2,185,000 | 364 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-433,160 | 9,182 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $120,643,000 | 316 |
| Total interest expense | $66,822,000 | 221 |
| Net interest income | $53,821,000 | 399 |
| Provision for loan and lease losses | $700,000 | 1,829 |
| Total noninterest income | $12,953,000 | 539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-56,000 | 9,303 |
| Additional Noninterest Income | $13,009,000 | 381 |
| Total noninterest expense | $54,584,000 | 345 |
| Salaries and employee benefits | $30,837,000 | 297 |
| Premises and equipment expense | $9,810,000 | 277 |
| Additional noninterest expense | $13,937,000 | 448 |
| Pre-tax net operating income | $11,490,000 | 755 |
| Securities gains (losses) | $22,838,000 | 56 |
| Applicable income taxes | $13,027,000 | 308 |
| Income before extraordinary items | $21,301,000 | 350 |
| Extraordinary gains, net | $-568,000 | 9,333 |
| Net income | $20,733,000 | 360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-270,000 | 9,315 |
| Cash dividends | $42,809,000 | 142 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,684,680 | 894 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $107,219,000 | 374 |
| Total interest expense | $73,135,000 | 282 |
| Net interest income | $34,084,000 | 547 |
| Provision for loan and lease losses | $1,200,000 | 1,082 |
| Total noninterest income | $8,914,000 | 654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-340,000 | 9,584 |
| Additional Noninterest Income | $9,254,000 | 436 |
| Total noninterest expense | $26,530,000 | 612 |
| Salaries and employee benefits | $16,369,000 | 491 |
| Premises and equipment expense | $5,950,000 | 396 |
| Additional noninterest expense | $4,211,000 | 1,140 |
| Pre-tax net operating income | $15,268,000 | 530 |
| Securities gains (losses) | $4,587,000 | 148 |
| Applicable income taxes | $6,854,000 | 442 |
| Income before extraordinary items | $13,001,000 | 464 |
| Extraordinary gains, net | $-461,000 | 9,556 |
| Net income | $12,540,000 | 483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,911 |
| Cash dividends | $3,400,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $10,019,450 | 550 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $107,939,000 | 390 |
| Total interest expense | $76,574,000 | 316 |
| Net interest income | $31,365,000 | 596 |
| Provision for loan and lease losses | $1,200,000 | 908 |
| Total noninterest income | $8,788,000 | 638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $8,788,000 | 453 |
| Total noninterest expense | $26,262,000 | 602 |
| Salaries and employee benefits | $16,153,000 | 462 |
| Premises and equipment expense | $5,468,000 | 417 |
| Additional noninterest expense | $4,641,000 | 1,013 |
| Pre-tax net operating income | $12,691,000 | 632 |
| Securities gains (losses) | $407,000 | 291 |
| Applicable income taxes | $4,083,000 | 637 |
| Income before extraordinary items | $9,015,000 | 626 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,015,000 | 626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-183,000 | 9,817 |
| Cash dividends | $5,000,000 | 620 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,734,170 | 635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $88,527,000 | 437 |
| Total interest expense | $58,794,000 | 339 |
| Net interest income | $29,733,000 | 640 |
| Provision for loan and lease losses | $1,200,000 | 831 |
| Total noninterest income | $8,642,000 | 673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $8,642,000 | 485 |
| Total noninterest expense | $25,549,000 | 630 |
| Salaries and employee benefits | $14,957,000 | 507 |
| Premises and equipment expense | $5,259,000 | 443 |
| Additional noninterest expense | $5,333,000 | 916 |
| Pre-tax net operating income | $11,626,000 | 720 |
| Securities gains (losses) | $-357,000 | 10,087 |
| Applicable income taxes | $3,500,000 | 782 |
| Income before extraordinary items | $7,769,000 | 755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,769,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,492 |
| Cash dividends | $8,500,000 | 455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,015,330 | 718 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $83,764,000 | 464 |
| Total interest expense | $54,911,000 | 361 |
| Net interest income | $28,853,000 | 621 |
| Provision for loan and lease losses | $1,200,000 | 825 |
| Total noninterest income | $6,273,000 | 796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,273,000 | 564 |
| Total noninterest expense | $25,158,000 | 617 |
| Salaries and employee benefits | $15,360,000 | 477 |
| Premises and equipment expense | $4,664,000 | 473 |
| Additional noninterest expense | $5,134,000 | 932 |
| Pre-tax net operating income | $8,768,000 | 896 |
| Securities gains (losses) | $1,875,000 | 244 |
| Applicable income taxes | $3,794,000 | 716 |
| Income before extraordinary items | $6,849,000 | 803 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,849,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,433 |
| Cash dividends | $18,792,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,649,000 | 923 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $72,254,000 | 518 |
| Total interest expense | $44,031,000 | 433 |
| Net interest income | $28,223,000 | 644 |
| Provision for loan and lease losses | $2,800,000 | 454 |
| Total noninterest income | $5,353,000 | 883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,353,000 | 592 |
| Total noninterest expense | $21,310,000 | 704 |
| Salaries and employee benefits | $13,447,000 | 510 |
| Premises and equipment expense | $3,364,000 | 614 |
| Additional noninterest expense | $4,499,000 | 1,048 |
| Pre-tax net operating income | $9,466,000 | 855 |
| Securities gains (losses) | $547,000 | 410 |
| Applicable income taxes | $4,425,000 | 662 |
| Income before extraordinary items | $5,588,000 | 996 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,588,000 | 997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,514 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,237,920 | 1,019 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $57,007,000 | 662 |
| Total interest expense | $35,626,000 | 539 |
| Net interest income | $21,381,000 | 870 |
| Provision for loan and lease losses | $4,176,000 | 375 |
| Total noninterest income | $5,080,000 | 942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $5,080,000 | 635 |
| Total noninterest expense | $19,111,000 | 818 |
| Salaries and employee benefits | $8,615,000 | 802 |
| Premises and equipment expense | $2,529,000 | 863 |
| Additional noninterest expense | $7,967,000 | 808 |
| Pre-tax net operating income | $3,174,000 | 2,249 |
| Securities gains (losses) | $369,000 | 499 |
| Applicable income taxes | $1,306,000 | 1,847 |
| Income before extraordinary items | $2,237,000 | 2,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,237,000 | 2,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,548 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $43,409,000 | 16 |
| Net operating income | $2,000,840 | 2,417 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $44,454,000 | 836 |
| Total interest expense | $24,634,000 | 746 |
| Net interest income | $19,820,000 | 939 |
| Provision for loan and lease losses | $1,706,000 | 644 |
| Total noninterest income | $4,285,000 | 1,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,285,000 | 731 |
| Total noninterest expense | $12,933,000 | 1,148 |
| Salaries and employee benefits | $7,350,000 | 928 |
| Premises and equipment expense | $1,948,000 | 1,083 |
| Additional noninterest expense | $3,635,000 | 1,443 |
| Pre-tax net operating income | $9,466,000 | 867 |
| Securities gains (losses) | $-82,000 | 11,403 |
| Applicable income taxes | $4,381,000 | 675 |
| Income before extraordinary items | $5,003,000 | 1,071 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,003,000 | 1,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,259,000 | 754 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $5,055,480 | 1,042 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,721,000 | 919 |
| Total interest expense | $16,386,000 | 846 |
| Net interest income | $18,335,000 | 1,005 |
| Provision for loan and lease losses | $600,000 | 1,325 |
| Total noninterest income | $3,943,000 | 1,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,943,000 | 741 |
| Total noninterest expense | $12,002,000 | 1,239 |
| Salaries and employee benefits | $7,235,000 | 944 |
| Premises and equipment expense | $1,912,000 | 1,110 |
| Additional noninterest expense | $2,855,000 | 1,892 |
| Pre-tax net operating income | $9,676,000 | 817 |
| Securities gains (losses) | $-2,136,000 | 12,486 |
| Applicable income taxes | $3,240,000 | 817 |
| Income before extraordinary items | $4,300,000 | 1,183 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,300,000 | 1,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 1,231 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,667,040 | 921 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $32,438,000 | 994 |
| Total interest expense | $14,200,000 | 964 |
| Net interest income | $18,238,000 | 1,003 |
| Provision for loan and lease losses | $1,235,000 | 1,132 |
| Total noninterest income | $1,984,000 | 1,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,984,000 | 1,262 |
| Total noninterest expense | $11,534,000 | 1,334 |
| Salaries and employee benefits | $7,016,000 | 966 |
| Premises and equipment expense | $1,899,000 | 1,119 |
| Additional noninterest expense | $2,619,000 | 2,130 |
| Pre-tax net operating income | $7,453,000 | 963 |
| Securities gains (losses) | $2,418,000 | 275 |
| Applicable income taxes | $4,362,000 | 602 |
| Income before extraordinary items | $5,509,000 | 941 |
| Extraordinary gains, net | $1,496,000 | 161 |
| Net income | $7,005,000 | 774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,808 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,961,480 | 1,195 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $34,524,000 | 1,060 |
| Total interest expense | $19,271,000 | 944 |
| Net interest income | $15,253,000 | 1,227 |
| Provision for loan and lease losses | $2,123,000 | 1,107 |
| Total noninterest income | $191,000 | 9,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $191,000 | 5,818 |
| Total noninterest expense | $10,088,000 | 1,524 |
| Salaries and employee benefits | $6,053,000 | 1,104 |
| Premises and equipment expense | $1,578,000 | 1,374 |
| Additional noninterest expense | $2,457,000 | 2,356 |
| Pre-tax net operating income | $3,233,000 | 1,924 |
| Securities gains (losses) | $7,347,000 | 147 |
| Applicable income taxes | $4,880,000 | 486 |
| Income before extraordinary items | $5,700,000 | 840 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,700,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 2,363 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $997,920 | 4,198 |
* 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.