Home > First Home Savings Bank, F.S.B. > Income and Expense
First Home Savings Bank, F.S.B., Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $38,458,000 | 891 |
| Total interest expense | $23,663,000 | 707 |
| Net interest income | $14,795,000 | 1,191 |
| Provision for loan and lease losses | $400,000 | 2,088 |
| Total noninterest income | $1,540,000 | 2,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $225,000 | 138 |
| Additional Noninterest Income | $1,315,000 | 1,453 |
| Total noninterest expense | $8,609,000 | 1,525 |
| Salaries and employee benefits | $4,830,000 | 1,365 |
| Premises and equipment expense | $1,310,000 | 1,486 |
| Additional noninterest expense | $2,469,000 | 1,716 |
| Pre-tax net operating income | $7,326,000 | 1,097 |
| Securities gains (losses) | $41,000 | 1,451 |
| Applicable income taxes | $2,465,000 | 1,109 |
| Income before extraordinary items | $4,902,000 | 1,139 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,902,000 | 1,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 970 |
| Cash dividends | $1,771,000 | 1,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,874,530 | 1,114 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,054,000 | 975 |
| Total interest expense | $21,364,000 | 793 |
| Net interest income | $14,690,000 | 1,227 |
| Provision for loan and lease losses | $400,000 | 2,077 |
| Total noninterest income | $1,135,000 | 2,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $56,000 | 200 |
| Additional Noninterest Income | $1,079,000 | 1,714 |
| Total noninterest expense | $10,187,000 | 1,410 |
| Salaries and employee benefits | $4,677,000 | 1,434 |
| Premises and equipment expense | $1,270,000 | 1,606 |
| Additional noninterest expense | $4,240,000 | 1,300 |
| Pre-tax net operating income | $5,238,000 | 1,373 |
| Securities gains (losses) | $110,000 | 915 |
| Applicable income taxes | $1,038,000 | 2,278 |
| Income before extraordinary items | $4,310,000 | 1,181 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,310,000 | 1,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,405 |
| Cash dividends | $1,543,000 | 1,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,220,900 | 1,178 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $32,129,000 | 1,101 |
| Total interest expense | $18,972,000 | 918 |
| Net interest income | $13,157,000 | 1,365 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $2,168,000 | 1,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $151,000 | 261 |
| Additional Noninterest Income | $2,017,000 | 1,121 |
| Total noninterest expense | $7,497,000 | 1,866 |
| Salaries and employee benefits | $4,050,000 | 1,635 |
| Premises and equipment expense | $1,104,000 | 1,835 |
| Additional noninterest expense | $2,343,000 | 2,114 |
| Pre-tax net operating income | $7,228,000 | 1,083 |
| Securities gains (losses) | $125,000 | 856 |
| Applicable income taxes | $2,642,000 | 1,004 |
| Income before extraordinary items | $4,711,000 | 1,127 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,711,000 | 1,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,596 |
| Cash dividends | $975,000 | 2,113 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,631,000 | 1,119 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,453,000 | 1,185 |
| Total interest expense | $13,902,000 | 962 |
| Net interest income | $12,551,000 | 1,440 |
| Provision for loan and lease losses | $550,000 | 1,428 |
| Total noninterest income | $1,347,000 | 2,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-219,000 | 4,897 |
| Additional Noninterest Income | $1,566,000 | 1,339 |
| Total noninterest expense | $6,230,000 | 2,268 |
| Salaries and employee benefits | $3,480,000 | 1,920 |
| Premises and equipment expense | $931,000 | 2,172 |
| Additional noninterest expense | $1,819,000 | 2,800 |
| Pre-tax net operating income | $7,118,000 | 1,064 |
| Securities gains (losses) | $-418,000 | 12,200 |
| Applicable income taxes | $2,498,000 | 1,012 |
| Income before extraordinary items | $4,202,000 | 1,207 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,202,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,231 |
| Cash dividends | $848,000 | 2,185 |
| Sale, conversion, retirement of capital stock, net | $773,000 | 468 |
| Net operating income | $4,469,520 | 1,142 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,773,000 | 1,668 |
| Total interest expense | $9,397,000 | 1,427 |
| Net interest income | $9,376,000 | 1,929 |
| Provision for loan and lease losses | $545,000 | 1,980 |
| Total noninterest income | $666,000 | 4,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-44,000 | 5,108 |
| Additional Noninterest Income | $710,000 | 2,572 |
| Total noninterest expense | $5,281,000 | 2,709 |
| Salaries and employee benefits | $2,758,000 | 2,414 |
| Premises and equipment expense | $786,000 | 2,596 |
| Additional noninterest expense | $1,737,000 | 3,068 |
| Pre-tax net operating income | $4,216,000 | 1,646 |
| Securities gains (losses) | $697,000 | 713 |
| Applicable income taxes | $1,773,000 | 1,351 |
| Income before extraordinary items | $3,140,000 | 1,617 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,140,000 | 1,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 4,185 |
| Cash dividends | $488,000 | 3,179 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 994 |
| Net operating income | $2,693,920 | 1,749 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 9,438 |
| Total interest expense | $1,535,000 | 8,410 |
| Net interest income | $1,214,000 | 10,279 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $166,000 | 10,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $1,192,000 | 9,072 |
| Salaries and employee benefits | $432,000 | 10,494 |
| Premises and equipment expense | $255,000 | 6,685 |
| Additional noninterest expense | $505,000 | 8,407 |
| Pre-tax net operating income | $180,000 | 11,255 |
| Securities gains (losses) | $48,000 | 4,198 |
| Applicable income taxes | $45,000 | 11,390 |
| Income before extraordinary items | $183,000 | 10,829 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $183,000 | 10,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,041 |
| Net operating income | $144,600 | 11,016 |
* 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.