Home > KFS Bank, F.S.B. > Income and Expense
KFS Bank, F.S.B., Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,192,000 | 1,065 |
| Total interest expense | $8,643,000 | 801 |
| Net interest income | $11,549,000 | 1,267 |
| Provision for loan and lease losses | $4,020,000 | 323 |
| Total noninterest income | $3,572,000 | 1,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,572,000 | 816 |
| Total noninterest expense | $10,162,000 | 1,196 |
| Salaries and employee benefits | $5,611,000 | 1,136 |
| Premises and equipment expense | $2,074,000 | 826 |
| Additional noninterest expense | $2,477,000 | 1,484 |
| Pre-tax net operating income | $939,000 | 4,721 |
| Securities gains (losses) | $1,117,000 | 412 |
| Applicable income taxes | $594,000 | 2,688 |
| Income before extraordinary items | $1,462,000 | 3,022 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,462,000 | 3,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,080,000 | 267 |
| Cash dividends | $1,439,000 | 1,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $668,930 | 4,930 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,885,000 | 1,047 |
| Total interest expense | $6,070,000 | 791 |
| Net interest income | $7,815,000 | 1,247 |
| Provision for loan and lease losses | $3,748,000 | 253 |
| Total noninterest income | $2,163,000 | 1,293 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,163,000 | 870 |
| Total noninterest expense | $6,784,000 | 1,202 |
| Salaries and employee benefits | $3,797,000 | 1,120 |
| Premises and equipment expense | $1,312,000 | 868 |
| Additional noninterest expense | $1,675,000 | 1,468 |
| Pre-tax net operating income | $-554,000 | 9,086 |
| Securities gains (losses) | $862,000 | 407 |
| Applicable income taxes | $-99,000 | 9,135 |
| Income before extraordinary items | $407,000 | 5,354 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $407,000 | 5,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,825,000 | 222 |
| Cash dividends | $1,185,000 | 1,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-455,000 | 9,059 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,275,000 | 1,003 |
| Total interest expense | $3,208,000 | 757 |
| Net interest income | $4,067,000 | 1,206 |
| Provision for loan and lease losses | $66,000 | 3,125 |
| Total noninterest income | $1,438,000 | 1,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,438,000 | 687 |
| Total noninterest expense | $3,428,000 | 1,173 |
| Salaries and employee benefits | $1,912,000 | 1,100 |
| Premises and equipment expense | $667,000 | 864 |
| Additional noninterest expense | $849,000 | 1,416 |
| Pre-tax net operating income | $2,011,000 | 1,083 |
| Securities gains (losses) | $382,000 | 430 |
| Applicable income taxes | $761,000 | 988 |
| Income before extraordinary items | $1,632,000 | 1,029 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,632,000 | 1,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 419 |
| Cash dividends | $641,000 | 1,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,372,240 | 1,128 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $31,909,000 | 956 |
| Total interest expense | $15,693,000 | 722 |
| Net interest income | $16,216,000 | 1,194 |
| Provision for loan and lease losses | $3,991,000 | 453 |
| Total noninterest income | $3,762,000 | 1,317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,762,000 | 858 |
| Total noninterest expense | $12,691,000 | 1,201 |
| Salaries and employee benefits | $7,194,000 | 1,108 |
| Premises and equipment expense | $2,356,000 | 928 |
| Additional noninterest expense | $3,141,000 | 1,509 |
| Pre-tax net operating income | $3,296,000 | 2,319 |
| Securities gains (losses) | $1,117,000 | 393 |
| Applicable income taxes | $1,361,000 | 1,790 |
| Income before extraordinary items | $3,052,000 | 1,966 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,052,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,414,000 | 409 |
| Cash dividends | $1,874,000 | 1,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,281,270 | 2,442 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $32,630,000 | 1,045 |
| Total interest expense | $18,773,000 | 872 |
| Net interest income | $13,857,000 | 1,282 |
| Provision for loan and lease losses | $502,000 | 2,193 |
| Total noninterest income | $3,128,000 | 1,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,128,000 | 917 |
| Total noninterest expense | $11,934,000 | 1,221 |
| Salaries and employee benefits | $6,457,000 | 1,150 |
| Premises and equipment expense | $2,348,000 | 897 |
| Additional noninterest expense | $3,129,000 | 1,491 |
| Pre-tax net operating income | $4,549,000 | 1,576 |
| Securities gains (losses) | $770,000 | 472 |
| Applicable income taxes | $1,783,000 | 1,297 |
| Income before extraordinary items | $3,536,000 | 1,514 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,536,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $1,714,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,027,800 | 1,664 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,188,000 | 1,168 |
| Total interest expense | $17,498,000 | 1,014 |
| Net interest income | $12,690,000 | 1,385 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $2,809,000 | 1,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,809,000 | 894 |
| Total noninterest expense | $11,243,000 | 1,234 |
| Salaries and employee benefits | $6,171,000 | 1,147 |
| Premises and equipment expense | $2,211,000 | 907 |
| Additional noninterest expense | $2,861,000 | 1,563 |
| Pre-tax net operating income | $4,206,000 | 1,745 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $1,416,000 | 1,585 |
| Income before extraordinary items | $2,789,000 | 1,870 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,789,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $1,302,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,789,660 | 1,866 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,717,000 | 1,223 |
| Total interest expense | $15,381,000 | 997 |
| Net interest income | $11,336,000 | 1,540 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $3,310,000 | 1,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,310,000 | 840 |
| Total noninterest expense | $11,730,000 | 1,179 |
| Salaries and employee benefits | $6,164,000 | 1,120 |
| Premises and equipment expense | $2,299,000 | 873 |
| Additional noninterest expense | $3,267,000 | 1,412 |
| Pre-tax net operating income | $2,916,000 | 2,477 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $965,000 | 2,278 |
| Income before extraordinary items | $1,959,000 | 2,633 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,959,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,295 |
| Cash dividends | $1,010,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,953,640 | 2,607 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $27,201,000 | 1,195 |
| Total interest expense | $16,163,000 | 986 |
| Net interest income | $11,038,000 | 1,537 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $2,683,000 | 1,461 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,683,000 | 970 |
| Total noninterest expense | $10,268,000 | 1,292 |
| Salaries and employee benefits | $5,669,000 | 1,157 |
| Premises and equipment expense | $1,961,000 | 988 |
| Additional noninterest expense | $2,638,000 | 1,631 |
| Pre-tax net operating income | $3,453,000 | 2,094 |
| Securities gains (losses) | $132,000 | 1,119 |
| Applicable income taxes | $1,219,000 | 1,970 |
| Income before extraordinary items | $2,366,000 | 2,208 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,366,000 | 2,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,170 |
| Cash dividends | $1,211,000 | 1,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,278,880 | 2,203 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,539,000 | 1,347 |
| Total interest expense | $14,334,000 | 1,131 |
| Net interest income | $10,205,000 | 1,711 |
| Provision for loan and lease losses | $34,000 | 7,270 |
| Total noninterest income | $1,871,000 | 1,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,871,000 | 1,150 |
| Total noninterest expense | $7,940,000 | 1,646 |
| Salaries and employee benefits | $4,518,000 | 1,450 |
| Premises and equipment expense | $1,571,000 | 1,252 |
| Additional noninterest expense | $1,851,000 | 2,253 |
| Pre-tax net operating income | $4,102,000 | 1,847 |
| Securities gains (losses) | $83,000 | 1,074 |
| Applicable income taxes | $1,213,000 | 2,061 |
| Income before extraordinary items | $2,972,000 | 1,786 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,972,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,007 |
| Cash dividends | $1,776,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,913,070 | 1,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,501,000 | 1,339 |
| Total interest expense | $15,229,000 | 1,075 |
| Net interest income | $10,272,000 | 1,719 |
| Provision for loan and lease losses | $41,000 | 6,948 |
| Total noninterest income | $2,162,000 | 1,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-231,000 | 4,693 |
| Additional Noninterest Income | $2,393,000 | 1,028 |
| Total noninterest expense | $10,007,000 | 1,432 |
| Salaries and employee benefits | $4,445,000 | 1,495 |
| Premises and equipment expense | $1,435,000 | 1,417 |
| Additional noninterest expense | $4,127,000 | 1,323 |
| Pre-tax net operating income | $2,386,000 | 2,904 |
| Securities gains (losses) | $232,000 | 644 |
| Applicable income taxes | $757,000 | 2,997 |
| Income before extraordinary items | $1,861,000 | 2,610 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,861,000 | 2,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,674 |
| Cash dividends | $3,825,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,696,280 | 2,814 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,557,000 | 1,513 |
| Total interest expense | $12,565,000 | 1,325 |
| Net interest income | $9,992,000 | 1,787 |
| Provision for loan and lease losses | $173,000 | 3,366 |
| Total noninterest income | $1,276,000 | 2,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,276,000 | 1,531 |
| Total noninterest expense | $8,136,000 | 1,727 |
| Salaries and employee benefits | $4,665,000 | 1,421 |
| Premises and equipment expense | $1,918,000 | 1,106 |
| Additional noninterest expense | $1,553,000 | 3,004 |
| Pre-tax net operating income | $2,959,000 | 2,464 |
| Securities gains (losses) | $64,000 | 1,156 |
| Applicable income taxes | $1,033,000 | 2,306 |
| Income before extraordinary items | $1,990,000 | 2,527 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,990,000 | 2,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $1,024,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,947,760 | 2,542 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,988,000 | 1,548 |
| Total interest expense | $9,227,000 | 1,413 |
| Net interest income | $10,761,000 | 1,678 |
| Provision for loan and lease losses | $297,000 | 2,312 |
| Total noninterest income | $1,429,000 | 2,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,429,000 | 1,431 |
| Total noninterest expense | $8,192,000 | 1,780 |
| Salaries and employee benefits | $4,668,000 | 1,444 |
| Premises and equipment expense | $2,039,000 | 1,037 |
| Additional noninterest expense | $1,485,000 | 3,327 |
| Pre-tax net operating income | $3,701,000 | 1,923 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $1,264,000 | 1,804 |
| Income before extraordinary items | $2,440,000 | 2,003 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,440,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,402 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $-213,000 | 12,530 |
| Net operating income | $2,438,020 | 2,021 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,045,000 | 1,567 |
| Total interest expense | $9,252,000 | 1,444 |
| Net interest income | $10,793,000 | 1,682 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $1,879,000 | 2,058 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,879,000 | 1,314 |
| Total noninterest expense | $8,115,000 | 1,838 |
| Salaries and employee benefits | $4,674,000 | 1,448 |
| Premises and equipment expense | $2,052,000 | 1,058 |
| Additional noninterest expense | $1,389,000 | 3,730 |
| Pre-tax net operating income | $4,137,000 | 1,671 |
| Securities gains (losses) | $1,566,000 | 377 |
| Applicable income taxes | $1,940,000 | 1,239 |
| Income before extraordinary items | $3,763,000 | 1,347 |
| Extraordinary gains, net | $-156,000 | 13,013 |
| Net income | $3,607,000 | 1,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $637,000 | 1,533 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,729,440 | 1,721 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,475,000 | 1,660 |
| Total interest expense | $11,955,000 | 1,478 |
| Net interest income | $9,520,000 | 1,922 |
| Provision for loan and lease losses | $1,796,000 | 1,244 |
| Total noninterest income | $2,214,000 | 1,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,214,000 | 1,165 |
| Total noninterest expense | $7,505,000 | 1,967 |
| Salaries and employee benefits | $3,976,000 | 1,661 |
| Premises and equipment expense | $1,986,000 | 1,126 |
| Additional noninterest expense | $1,543,000 | 3,513 |
| Pre-tax net operating income | $2,433,000 | 2,558 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $263,000 | 6,460 |
| Income before extraordinary items | $2,203,000 | 2,090 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,203,000 | 2,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 4,307 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $8,303,000 | 110 |
| Net operating income | $2,173,630 | 1,939 |
* 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.