Home > Homebanc, A Federal Savings Bank > Income and Expense
Homebanc, A Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,125,000 | 1,373 |
| Total interest expense | $14,542,000 | 1,114 |
| Net interest income | $9,583,000 | 1,820 |
| Provision for loan and lease losses | $555,000 | 1,641 |
| Total noninterest income | $3,480,000 | 1,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,480,000 | 771 |
| Total noninterest expense | $10,390,000 | 1,279 |
| Salaries and employee benefits | $5,638,000 | 1,162 |
| Premises and equipment expense | $2,177,000 | 925 |
| Additional noninterest expense | $2,575,000 | 1,651 |
| Pre-tax net operating income | $2,118,000 | 3,354 |
| Securities gains (losses) | $512,000 | 421 |
| Applicable income taxes | $999,000 | 2,441 |
| Income before extraordinary items | $1,631,000 | 3,106 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,631,000 | 3,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,987 |
| Cash dividends | $103,000 | 6,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,303,320 | 3,715 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,228,000 | 1,412 |
| Total interest expense | $14,890,000 | 1,098 |
| Net interest income | $9,338,000 | 1,917 |
| Provision for loan and lease losses | $565,000 | 1,600 |
| Total noninterest income | $2,827,000 | 1,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,827,000 | 921 |
| Total noninterest expense | $11,820,000 | 1,221 |
| Salaries and employee benefits | $5,130,000 | 1,308 |
| Premises and equipment expense | $2,145,000 | 987 |
| Additional noninterest expense | $4,545,000 | 1,231 |
| Pre-tax net operating income | $-220,000 | 11,086 |
| Securities gains (losses) | $934,000 | 265 |
| Applicable income taxes | $270,000 | 6,178 |
| Income before extraordinary items | $444,000 | 7,280 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $444,000 | 7,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,068 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-153,760 | 11,024 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,293,000 | 1,412 |
| Total interest expense | $15,076,000 | 1,116 |
| Net interest income | $9,217,000 | 1,943 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $1,777,000 | 2,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,777,000 | 1,218 |
| Total noninterest expense | $8,803,000 | 1,615 |
| Salaries and employee benefits | $4,542,000 | 1,462 |
| Premises and equipment expense | $1,919,000 | 1,105 |
| Additional noninterest expense | $2,342,000 | 2,117 |
| Pre-tax net operating income | $1,831,000 | 3,791 |
| Securities gains (losses) | $284,000 | 535 |
| Applicable income taxes | $840,000 | 2,769 |
| Income before extraordinary items | $1,275,000 | 3,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,275,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,289 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,093,240 | 4,260 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,262,000 | 1,454 |
| Total interest expense | $12,486,000 | 1,059 |
| Net interest income | $8,776,000 | 2,056 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $2,072,000 | 1,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,072,000 | 1,104 |
| Total noninterest expense | $9,005,000 | 1,632 |
| Salaries and employee benefits | $4,278,000 | 1,560 |
| Premises and equipment expense | $1,777,000 | 1,187 |
| Additional noninterest expense | $2,950,000 | 1,834 |
| Pre-tax net operating income | $1,603,000 | 4,162 |
| Securities gains (losses) | $-174,000 | 11,882 |
| Applicable income taxes | $745,000 | 2,953 |
| Income before extraordinary items | $684,000 | 6,007 |
| Extraordinary gains, net | $-4,340,000 | 12,598 |
| Net income | $-3,656,000 | 12,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,234 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $795,360 | 5,452 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $22,681,000 | 1,405 |
| Total interest expense | $13,870,000 | 979 |
| Net interest income | $8,811,000 | 2,051 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $1,432,000 | 2,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,432,000 | 1,604 |
| Total noninterest expense | $8,040,000 | 1,854 |
| Salaries and employee benefits | $3,829,000 | 1,749 |
| Premises and equipment expense | $1,766,000 | 1,215 |
| Additional noninterest expense | $2,445,000 | 2,285 |
| Pre-tax net operating income | $1,953,000 | 3,383 |
| Securities gains (losses) | $515,000 | 883 |
| Applicable income taxes | $1,027,000 | 2,188 |
| Income before extraordinary items | $1,441,000 | 3,369 |
| Extraordinary gains, net | $231,000 | 906 |
| Net income | $1,672,000 | 3,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,773 |
| Cash dividends | $213,000 | 5,257 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 965 |
| Net operating income | $1,111,400 | 4,067 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $26,637,000 | 1,376 |
| Total interest expense | $17,282,000 | 1,050 |
| Net interest income | $9,355,000 | 1,955 |
| Provision for loan and lease losses | $415,000 | 3,379 |
| Total noninterest income | $1,414,000 | 2,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,414,000 | 1,576 |
| Total noninterest expense | $7,884,000 | 1,913 |
| Salaries and employee benefits | $3,622,000 | 1,836 |
| Premises and equipment expense | $1,701,000 | 1,295 |
| Additional noninterest expense | $2,561,000 | 2,275 |
| Pre-tax net operating income | $2,470,000 | 2,522 |
| Securities gains (losses) | $362,000 | 1,368 |
| Applicable income taxes | $1,192,000 | 1,773 |
| Income before extraordinary items | $1,640,000 | 2,804 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,640,000 | 2,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 4,785 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 962 |
| Net operating income | $1,408,320 | 3,030 |
* 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.