Home > Joachim Federal Savings and Loan Association > Income and Expense
Joachim Federal Savings and Loan Association, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 8,520 |
| Total interest expense | $1,114,000 | 8,368 |
| Net interest income | $1,281,000 | 8,508 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $78,000 | 9,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $78,000 | 7,457 |
| Total noninterest expense | $967,000 | 8,460 |
| Salaries and employee benefits | $738,000 | 7,093 |
| Premises and equipment expense | $95,000 | 9,079 |
| Additional noninterest expense | $134,000 | 10,187 |
| Pre-tax net operating income | $378,000 | 8,564 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $157,000 | 7,502 |
| Income before extraordinary items | $221,000 | 8,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $221,000 | 8,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $221,000 | 8,948 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,373,000 | 8,870 |
| Total interest expense | $1,134,000 | 8,585 |
| Net interest income | $1,239,000 | 8,937 |
| Provision for loan and lease losses | $8,000 | 8,671 |
| Total noninterest income | $90,000 | 10,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $90,000 | 7,444 |
| Total noninterest expense | $1,202,000 | 7,979 |
| Salaries and employee benefits | $765,000 | 7,166 |
| Premises and equipment expense | $99,000 | 9,324 |
| Additional noninterest expense | $338,000 | 8,480 |
| Pre-tax net operating income | $119,000 | 10,268 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $31,000 | 10,021 |
| Income before extraordinary items | $88,000 | 10,329 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $88,000 | 10,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $88,000 | 10,280 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 9,391 |
| Total interest expense | $1,127,000 | 8,822 |
| Net interest income | $1,093,000 | 9,647 |
| Provision for loan and lease losses | $21,000 | 7,611 |
| Total noninterest income | $91,000 | 10,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $91,000 | 7,528 |
| Total noninterest expense | $852,000 | 9,541 |
| Salaries and employee benefits | $559,000 | 8,656 |
| Premises and equipment expense | $104,000 | 9,513 |
| Additional noninterest expense | $189,000 | 10,557 |
| Pre-tax net operating income | $311,000 | 9,662 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $101,000 | 9,160 |
| Income before extraordinary items | $210,000 | 9,824 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $210,000 | 9,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $210,000 | 9,797 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,010,000 | 9,785 |
| Total interest expense | $877,000 | 9,230 |
| Net interest income | $1,133,000 | 9,958 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $114,000 | 10,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $114,000 | 7,101 |
| Total noninterest expense | $850,000 | 9,999 |
| Salaries and employee benefits | $573,000 | 8,800 |
| Premises and equipment expense | $104,000 | 9,897 |
| Additional noninterest expense | $173,000 | 11,492 |
| Pre-tax net operating income | $381,000 | 9,510 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $130,000 | 8,710 |
| Income before extraordinary items | $251,000 | 9,683 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $251,000 | 9,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $251,000 | 9,754 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,165,000 | 9,854 |
| Total interest expense | $1,000,000 | 9,112 |
| Net interest income | $1,165,000 | 10,181 |
| Provision for loan and lease losses | $33,000 | 8,295 |
| Total noninterest income | $141,000 | 10,393 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $141,000 | 6,763 |
| Total noninterest expense | $808,000 | 10,628 |
| Salaries and employee benefits | $533,000 | 9,358 |
| Premises and equipment expense | $104,000 | 10,324 |
| Additional noninterest expense | $171,000 | 12,145 |
| Pre-tax net operating income | $465,000 | 8,906 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $210,000 | 7,434 |
| Income before extraordinary items | $255,000 | 9,987 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $255,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $255,000 | 9,732 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 10,076 |
| Total interest expense | $1,332,000 | 9,111 |
| Net interest income | $1,075,000 | 10,787 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $122,000 | 7,395 |
| Total noninterest expense | $783,000 | 11,091 |
| Salaries and employee benefits | $508,000 | 9,707 |
| Premises and equipment expense | $96,000 | 10,873 |
| Additional noninterest expense | $179,000 | 12,533 |
| Pre-tax net operating income | $399,000 | 9,259 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $285,000 | 9,484 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $285,000 | 9,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $285,000 | 9,108 |
* 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.