Home > First Federal Savings Bank of Richmond > Income and Expense
First Federal Savings Bank of Richmond, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 6,105 |
| Total interest expense | $2,741,000 | 5,156 |
| Net interest income | $2,131,000 | 7,017 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $383,000 | 6,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $383,000 | 3,402 |
| Total noninterest expense | $1,644,000 | 6,855 |
| Salaries and employee benefits | $754,000 | 7,373 |
| Premises and equipment expense | $288,000 | 5,805 |
| Additional noninterest expense | $602,000 | 6,524 |
| Pre-tax net operating income | $840,000 | 6,685 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $348,000 | 5,465 |
| Income before extraordinary items | $492,000 | 7,317 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $492,000 | 7,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,002 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $492,000 | 7,284 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,065,000 | 3,711 |
| Total interest expense | $3,938,000 | 3,100 |
| Net interest income | $4,127,000 | 4,255 |
| Provision for loan and lease losses | $28,000 | 7,286 |
| Total noninterest income | $733,000 | 3,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $733,000 | 2,259 |
| Total noninterest expense | $3,197,000 | 4,177 |
| Salaries and employee benefits | $1,644,000 | 3,938 |
| Premises and equipment expense | $614,000 | 3,203 |
| Additional noninterest expense | $939,000 | 4,981 |
| Pre-tax net operating income | $1,635,000 | 4,094 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $581,000 | 3,608 |
| Income before extraordinary items | $1,054,000 | 4,332 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,054,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $313,000 | 4,346 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 887 |
| Net operating income | $1,054,000 | 4,395 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,784,000 | 3,913 |
| Total interest expense | $3,914,000 | 3,225 |
| Net interest income | $3,870,000 | 4,539 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $1,003,000 | 3,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,003,000 | 2,030 |
| Total noninterest expense | $3,121,000 | 4,362 |
| Salaries and employee benefits | $1,510,000 | 4,247 |
| Premises and equipment expense | $582,000 | 3,421 |
| Additional noninterest expense | $1,029,000 | 4,796 |
| Pre-tax net operating income | $1,702,000 | 3,878 |
| Securities gains (losses) | $153,000 | 1,964 |
| Applicable income taxes | $667,000 | 3,261 |
| Income before extraordinary items | $1,188,000 | 4,053 |
| Extraordinary gains, net | $55,000 | 2,093 |
| Net income | $1,243,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $299,000 | 4,486 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 947 |
| Net operating income | $1,090,080 | 4,141 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,916,000 | 3,886 |
| Total interest expense | $5,016,000 | 3,303 |
| Net interest income | $3,900,000 | 4,551 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $875,000 | 3,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $875,000 | 2,184 |
| Total noninterest expense | $2,868,000 | 4,717 |
| Salaries and employee benefits | $1,402,000 | 4,492 |
| Premises and equipment expense | $520,000 | 3,832 |
| Additional noninterest expense | $946,000 | 5,291 |
| Pre-tax net operating income | $1,874,000 | 3,307 |
| Securities gains (losses) | $25,000 | 5,285 |
| Applicable income taxes | $611,000 | 3,385 |
| Income before extraordinary items | $1,288,000 | 3,566 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,288,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $257,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 897 |
| Net operating income | $1,271,000 | 3,346 |
* 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.