Home > Germantown Federal Savings Bank > Income and Expense
Germantown Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 7,046 |
| Total interest expense | $1,788,000 | 6,712 |
| Net interest income | $1,826,000 | 7,260 |
| Provision for loan and lease losses | $153,000 | 4,084 |
| Total noninterest income | $135,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $135,000 | 5,975 |
| Total noninterest expense | $1,760,000 | 6,160 |
| Salaries and employee benefits | $1,160,000 | 5,245 |
| Premises and equipment expense | $258,000 | 5,947 |
| Additional noninterest expense | $342,000 | 7,882 |
| Pre-tax net operating income | $48,000 | 10,252 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $22,000 | 9,683 |
| Income before extraordinary items | $26,000 | 10,338 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $26,000 | 10,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $26,000 | 10,302 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,525,000 | 7,357 |
| Total interest expense | $1,799,000 | 6,846 |
| Net interest income | $1,726,000 | 7,713 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $131,000 | 9,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $131,000 | 6,361 |
| Total noninterest expense | $1,544,000 | 6,988 |
| Salaries and employee benefits | $660,000 | 7,781 |
| Premises and equipment expense | $261,000 | 6,091 |
| Additional noninterest expense | $623,000 | 6,211 |
| Pre-tax net operating income | $283,000 | 9,242 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $90,000 | 8,931 |
| Income before extraordinary items | $193,000 | 9,364 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $193,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $193,000 | 9,308 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,374,000 | 7,715 |
| Total interest expense | $1,801,000 | 6,897 |
| Net interest income | $1,573,000 | 8,326 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $144,000 | 9,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $144,000 | 6,108 |
| Total noninterest expense | $1,241,000 | 8,075 |
| Salaries and employee benefits | $636,000 | 8,140 |
| Premises and equipment expense | $214,000 | 6,939 |
| Additional noninterest expense | $391,000 | 8,280 |
| Pre-tax net operating income | $476,000 | 8,578 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $152,000 | 8,222 |
| Income before extraordinary items | $324,000 | 8,711 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $324,000 | 8,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $324,000 | 8,680 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,120,000 | 7,861 |
| Total interest expense | $1,766,000 | 6,155 |
| Net interest income | $1,354,000 | 9,300 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $134,000 | 10,039 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $134,000 | 6,565 |
| Total noninterest expense | $1,157,000 | 8,783 |
| Salaries and employee benefits | $600,000 | 8,610 |
| Premises and equipment expense | $198,000 | 7,470 |
| Additional noninterest expense | $359,000 | 9,251 |
| Pre-tax net operating income | $328,000 | 9,927 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $101,000 | 9,345 |
| Income before extraordinary items | $227,000 | 9,953 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $227,000 | 9,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 994 |
| Net operating income | $227,000 | 10,019 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,199,000 | 8,010 |
| Total interest expense | $1,901,000 | 6,089 |
| Net interest income | $1,298,000 | 9,738 |
| Provision for loan and lease losses | $-1,000 | 12,428 |
| Total noninterest income | $125,000 | 10,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $125,000 | 7,168 |
| Total noninterest expense | $1,058,000 | 9,491 |
| Salaries and employee benefits | $527,000 | 9,404 |
| Premises and equipment expense | $201,000 | 7,662 |
| Additional noninterest expense | $330,000 | 10,071 |
| Pre-tax net operating income | $366,000 | 9,679 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $140,000 | 8,855 |
| Income before extraordinary items | $226,000 | 10,332 |
| Extraordinary gains, net | $-72,000 | 12,833 |
| Net income | $154,000 | 11,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,906,000 | 367 |
| Net operating income | $226,000 | 10,089 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,550,000 | 8,105 |
| Total interest expense | $2,327,000 | 6,341 |
| Net interest income | $1,223,000 | 10,245 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $462,000 | 5,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $462,000 | 3,356 |
| Total noninterest expense | $1,057,000 | 9,720 |
| Salaries and employee benefits | $526,000 | 9,525 |
| Premises and equipment expense | $210,000 | 7,616 |
| Additional noninterest expense | $321,000 | 10,544 |
| Pre-tax net operating income | $628,000 | 7,531 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $226,000 | 7,072 |
| Income before extraordinary items | $402,000 | 8,198 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $402,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $402,000 | 7,838 |
* 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.