Home > First Northern Savings Bank, a Savings and Loan Association > Income and Expense
First Northern Savings Bank, a Savings and Loan Association, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,893,000 | 8,142 |
| Total interest expense | $1,373,000 | 7,909 |
| Net interest income | $1,520,000 | 8,225 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $756,000 | 3,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-14,000 | 4,654 |
| Additional Noninterest Income | $770,000 | 2,159 |
| Total noninterest expense | $1,867,000 | 6,241 |
| Salaries and employee benefits | $925,000 | 6,338 |
| Premises and equipment expense | $450,000 | 4,111 |
| Additional noninterest expense | $492,000 | 7,125 |
| Pre-tax net operating income | $409,000 | 8,452 |
| Securities gains (losses) | $157,000 | 782 |
| Applicable income taxes | $220,000 | 6,838 |
| Income before extraordinary items | $346,000 | 8,039 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $346,000 | 8,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,057 |
| Cash dividends | $216,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 830 |
| Net operating income | $245,520 | 8,817 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 8,382 |
| Total interest expense | $1,465,000 | 7,793 |
| Net interest income | $1,423,000 | 8,732 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $536,000 | 4,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $23,000 | 382 |
| Additional Noninterest Income | $513,000 | 2,825 |
| Total noninterest expense | $1,423,000 | 7,518 |
| Salaries and employee benefits | $770,000 | 7,265 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $322,000 | 9,008 |
| Pre-tax net operating income | $536,000 | 8,241 |
| Securities gains (losses) | $48,000 | 1,329 |
| Applicable income taxes | $176,000 | 7,824 |
| Income before extraordinary items | $408,000 | 7,987 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $408,000 | 7,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $374,400 | 8,268 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,178,000 | 9,466 |
| Total interest expense | $925,000 | 9,014 |
| Net interest income | $1,253,000 | 9,611 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $315,000 | 7,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-25,000 | 4,832 |
| Additional Noninterest Income | $340,000 | 3,784 |
| Total noninterest expense | $1,750,000 | 6,832 |
| Salaries and employee benefits | $1,046,000 | 5,870 |
| Premises and equipment expense | $310,000 | 5,563 |
| Additional noninterest expense | $394,000 | 8,887 |
| Pre-tax net operating income | $-198,000 | 12,263 |
| Securities gains (losses) | $142,000 | 623 |
| Applicable income taxes | $-16,000 | 12,112 |
| Income before extraordinary items | $-40,000 | 12,095 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-40,000 | 12,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $488,000 | 3,293 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,129 |
| Net operating income | $-140,820 | 12,210 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,386,000 | 9,415 |
| Total interest expense | $896,000 | 9,569 |
| Net interest income | $1,490,000 | 9,152 |
| Provision for loan and lease losses | $2,000 | 10,273 |
| Total noninterest income | $352,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $12,000 | 411 |
| Additional Noninterest Income | $340,000 | 4,178 |
| Total noninterest expense | $1,505,000 | 7,819 |
| Salaries and employee benefits | $803,000 | 7,302 |
| Premises and equipment expense | $291,000 | 6,002 |
| Additional noninterest expense | $411,000 | 9,144 |
| Pre-tax net operating income | $335,000 | 9,941 |
| Securities gains (losses) | $462,000 | 952 |
| Applicable income taxes | $255,000 | 6,707 |
| Income before extraordinary items | $542,000 | 7,213 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $542,000 | 7,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 12,596 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,134 |
| Net operating income | $227,840 | 10,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 10,507 |
| Total interest expense | $1,169,000 | 9,721 |
| Net interest income | $1,018,000 | 11,033 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $590,000 | 5,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $590,000 | 2,848 |
| Total noninterest expense | $1,055,000 | 9,725 |
| Salaries and employee benefits | $546,000 | 9,306 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $314,000 | 10,627 |
| Pre-tax net operating income | $509,000 | 8,349 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $418,000 | 8,037 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $418,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 5,509 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $399,830 | 7,867 |
* 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.