Home > First Northern Savings Bank > Income and Expense
First Northern Savings Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $57,742,000 | 548 |
| Total interest expense | $27,364,000 | 442 |
| Net interest income | $30,378,000 | 629 |
| Provision for loan and lease losses | $760,000 | 1,707 |
| Total noninterest income | $3,857,000 | 1,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,857,000 | 838 |
| Total noninterest expense | $18,574,000 | 846 |
| Salaries and employee benefits | $10,736,000 | 751 |
| Premises and equipment expense | $3,758,000 | 594 |
| Additional noninterest expense | $4,080,000 | 1,198 |
| Pre-tax net operating income | $14,901,000 | 591 |
| Securities gains (losses) | $3,018,000 | 210 |
| Applicable income taxes | $5,697,000 | 531 |
| Income before extraordinary items | $12,222,000 | 545 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,222,000 | 547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $3,500,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,169,760 | 594 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $67,022,000 | 537 |
| Total interest expense | $39,755,000 | 452 |
| Net interest income | $27,267,000 | 661 |
| Provision for loan and lease losses | $710,000 | 1,647 |
| Total noninterest income | $4,987,000 | 999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,987,000 | 668 |
| Total noninterest expense | $20,018,000 | 758 |
| Salaries and employee benefits | $9,877,000 | 753 |
| Premises and equipment expense | $4,044,000 | 550 |
| Additional noninterest expense | $6,097,000 | 821 |
| Pre-tax net operating income | $11,526,000 | 673 |
| Securities gains (losses) | $2,149,000 | 229 |
| Applicable income taxes | $5,267,000 | 526 |
| Income before extraordinary items | $8,408,000 | 667 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,408,000 | 670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,732 |
| Cash dividends | $1,120,000 | 2,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $7,032,640 | 758 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $63,088,000 | 600 |
| Total interest expense | $41,881,000 | 483 |
| Net interest income | $21,207,000 | 824 |
| Provision for loan and lease losses | $1,220,000 | 896 |
| Total noninterest income | $5,240,000 | 901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,240,000 | 616 |
| Total noninterest expense | $22,279,000 | 699 |
| Salaries and employee benefits | $14,930,000 | 488 |
| Premises and equipment expense | $3,783,000 | 579 |
| Additional noninterest expense | $3,566,000 | 1,273 |
| Pre-tax net operating income | $2,948,000 | 2,427 |
| Securities gains (losses) | $190,000 | 421 |
| Applicable income taxes | $974,000 | 2,175 |
| Income before extraordinary items | $2,164,000 | 2,367 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,164,000 | 2,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $8,089,000 | 444 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,032,900 | 2,525 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $52,202,000 | 671 |
| Total interest expense | $30,851,000 | 548 |
| Net interest income | $21,351,000 | 826 |
| Provision for loan and lease losses | $472,000 | 1,855 |
| Total noninterest income | $4,079,000 | 1,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,079,000 | 735 |
| Total noninterest expense | $14,436,000 | 971 |
| Salaries and employee benefits | $7,969,000 | 858 |
| Premises and equipment expense | $3,222,000 | 659 |
| Additional noninterest expense | $3,245,000 | 1,420 |
| Pre-tax net operating income | $10,522,000 | 784 |
| Securities gains (losses) | $380,000 | 399 |
| Applicable income taxes | $3,519,000 | 777 |
| Income before extraordinary items | $7,383,000 | 784 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,383,000 | 784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,715 |
| Cash dividends | $3,500,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $7,124,600 | 794 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $49,326,000 | 689 |
| Total interest expense | $29,254,000 | 586 |
| Net interest income | $20,072,000 | 855 |
| Provision for loan and lease losses | $420,000 | 1,980 |
| Total noninterest income | $3,603,000 | 1,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,603,000 | 803 |
| Total noninterest expense | $14,000,000 | 971 |
| Salaries and employee benefits | $7,885,000 | 840 |
| Premises and equipment expense | $2,975,000 | 695 |
| Additional noninterest expense | $3,140,000 | 1,395 |
| Pre-tax net operating income | $9,255,000 | 846 |
| Securities gains (losses) | $1,051,000 | 370 |
| Applicable income taxes | $3,556,000 | 759 |
| Income before extraordinary items | $6,750,000 | 816 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,750,000 | 815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $6,355,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,066,850 | 861 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $46,289,000 | 747 |
| Total interest expense | $26,662,000 | 632 |
| Net interest income | $19,627,000 | 910 |
| Provision for loan and lease losses | $320,000 | 2,457 |
| Total noninterest income | $3,236,000 | 1,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,236,000 | 806 |
| Total noninterest expense | $13,259,000 | 1,032 |
| Salaries and employee benefits | $7,377,000 | 899 |
| Premises and equipment expense | $2,921,000 | 710 |
| Additional noninterest expense | $2,961,000 | 1,457 |
| Pre-tax net operating income | $9,284,000 | 869 |
| Securities gains (losses) | $358,000 | 513 |
| Applicable income taxes | $3,632,000 | 789 |
| Income before extraordinary items | $6,010,000 | 919 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,010,000 | 920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,246 |
| Cash dividends | $2,915,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,780,880 | 938 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $41,603,000 | 844 |
| Total interest expense | $23,249,000 | 752 |
| Net interest income | $18,354,000 | 1,000 |
| Provision for loan and lease losses | $370,000 | 2,206 |
| Total noninterest income | $2,651,000 | 1,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,651,000 | 956 |
| Total noninterest expense | $15,780,000 | 961 |
| Salaries and employee benefits | $6,812,000 | 986 |
| Premises and equipment expense | $2,644,000 | 821 |
| Additional noninterest expense | $6,324,000 | 954 |
| Pre-tax net operating income | $4,855,000 | 1,493 |
| Securities gains (losses) | $260,000 | 599 |
| Applicable income taxes | $1,742,000 | 1,394 |
| Income before extraordinary items | $3,373,000 | 1,460 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,373,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $10,125,000 | 415 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,201,400 | 1,518 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $37,591,000 | 948 |
| Total interest expense | $22,040,000 | 810 |
| Net interest income | $15,551,000 | 1,168 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $3,479,000 | 1,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,479,000 | 823 |
| Total noninterest expense | $12,483,000 | 1,177 |
| Salaries and employee benefits | $6,386,000 | 1,078 |
| Premises and equipment expense | $2,578,000 | 853 |
| Additional noninterest expense | $3,519,000 | 1,476 |
| Pre-tax net operating income | $6,307,000 | 1,211 |
| Securities gains (losses) | $513,000 | 347 |
| Applicable income taxes | $2,230,000 | 1,148 |
| Income before extraordinary items | $4,590,000 | 1,147 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,590,000 | 1,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $2,534,000 | 1,047 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,246,290 | 1,225 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,676,000 | 922 |
| Total interest expense | $16,855,000 | 825 |
| Net interest income | $17,821,000 | 1,033 |
| Provision for loan and lease losses | $144,000 | 3,703 |
| Total noninterest income | $2,210,000 | 1,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,210,000 | 1,056 |
| Total noninterest expense | $13,233,000 | 1,135 |
| Salaries and employee benefits | $6,652,000 | 1,019 |
| Premises and equipment expense | $2,382,000 | 900 |
| Additional noninterest expense | $4,199,000 | 1,357 |
| Pre-tax net operating income | $6,654,000 | 1,141 |
| Securities gains (losses) | $469,000 | 280 |
| Applicable income taxes | $2,925,000 | 898 |
| Income before extraordinary items | $4,198,000 | 1,210 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,198,000 | 1,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,030 |
| Cash dividends | $2,169,000 | 1,038 |
| Sale, conversion, retirement of capital stock, net | $402,000 | 577 |
| Net operating income | $3,897,840 | 1,304 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,420,000 | 1,121 |
| Total interest expense | $13,623,000 | 996 |
| Net interest income | $14,797,000 | 1,229 |
| Provision for loan and lease losses | $363,000 | 2,627 |
| Total noninterest income | $1,905,000 | 2,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,905,000 | 1,297 |
| Total noninterest expense | $8,954,000 | 1,693 |
| Salaries and employee benefits | $4,515,000 | 1,505 |
| Premises and equipment expense | $1,844,000 | 1,160 |
| Additional noninterest expense | $2,595,000 | 2,151 |
| Pre-tax net operating income | $7,385,000 | 968 |
| Securities gains (losses) | $161,000 | 1,916 |
| Applicable income taxes | $2,776,000 | 922 |
| Income before extraordinary items | $4,770,000 | 1,089 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,770,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $1,535,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $588,000 | 569 |
| Net operating income | $4,666,960 | 1,040 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $32,753,000 | 1,103 |
| Total interest expense | $17,639,000 | 1,028 |
| Net interest income | $15,114,000 | 1,241 |
| Provision for loan and lease losses | $360,000 | 3,684 |
| Total noninterest income | $1,186,000 | 2,892 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,186,000 | 1,782 |
| Total noninterest expense | $8,882,000 | 1,704 |
| Salaries and employee benefits | $4,465,000 | 1,485 |
| Premises and equipment expense | $1,721,000 | 1,281 |
| Additional noninterest expense | $2,696,000 | 2,182 |
| Pre-tax net operating income | $7,059,000 | 923 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,626,000 | 882 |
| Income before extraordinary items | $4,432,000 | 1,066 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,432,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 6,907 |
| Cash dividends | $1,125,000 | 1,399 |
| Sale, conversion, retirement of capital stock, net | $6,305,000 | 138 |
| Net operating income | $4,432,000 | 972 |
* 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.