Home > Klamath First Federal Savings and Loan Association > Income and Expense
Klamath First Federal Savings and Loan Association, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $68,843,000 | 431 |
| Total interest expense | $27,322,000 | 354 |
| Net interest income | $41,521,000 | 477 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $16,746,000 | 453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $16,746,000 | 320 |
| Total noninterest expense | $61,556,000 | 315 |
| Salaries and employee benefits | $32,977,000 | 283 |
| Premises and equipment expense | $7,453,000 | 334 |
| Additional noninterest expense | $21,126,000 | 325 |
| Pre-tax net operating income | $-3,289,000 | 9,118 |
| Securities gains (losses) | $2,278,000 | 271 |
| Applicable income taxes | $-135,000 | 8,974 |
| Income before extraordinary items | $-876,000 | 9,010 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-876,000 | 9,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,629 |
| Cash dividends | $5,000,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,857,860 | 9,112 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $51,794,000 | 439 |
| Total interest expense | $20,869,000 | 369 |
| Net interest income | $30,925,000 | 493 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $10,492,000 | 544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,492,000 | 378 |
| Total noninterest expense | $41,153,000 | 350 |
| Salaries and employee benefits | $19,099,000 | 364 |
| Premises and equipment expense | $5,557,000 | 342 |
| Additional noninterest expense | $16,497,000 | 322 |
| Pre-tax net operating income | $264,000 | 7,368 |
| Securities gains (losses) | $1,911,000 | 287 |
| Applicable income taxes | $700,000 | 2,388 |
| Income before extraordinary items | $1,475,000 | 3,001 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,475,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,359 |
| Cash dividends | $5,000,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $175,520 | 7,603 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $34,852,000 | 442 |
| Total interest expense | $14,133,000 | 372 |
| Net interest income | $20,719,000 | 495 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $6,672,000 | 556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,672,000 | 386 |
| Total noninterest expense | $28,361,000 | 339 |
| Salaries and employee benefits | $12,815,000 | 362 |
| Premises and equipment expense | $3,519,000 | 357 |
| Additional noninterest expense | $12,027,000 | 298 |
| Pre-tax net operating income | $-970,000 | 9,153 |
| Securities gains (losses) | $1,401,000 | 289 |
| Applicable income taxes | $172,000 | 4,260 |
| Income before extraordinary items | $259,000 | 6,447 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $259,000 | 6,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,232 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-637,640 | 9,114 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $17,590,000 | 449 |
| Total interest expense | $7,330,000 | 376 |
| Net interest income | $10,260,000 | 500 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $3,017,000 | 589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,017,000 | 413 |
| Total noninterest expense | $12,056,000 | 395 |
| Salaries and employee benefits | $6,253,000 | 373 |
| Premises and equipment expense | $1,738,000 | 362 |
| Additional noninterest expense | $4,065,000 | 398 |
| Pre-tax net operating income | $1,221,000 | 1,721 |
| Securities gains (losses) | $712,000 | 280 |
| Applicable income taxes | $625,000 | 1,153 |
| Income before extraordinary items | $1,308,000 | 1,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,308,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,083 |
| Cash dividends | $5,000,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $823,840 | 1,813 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $83,195,000 | 404 |
| Total interest expense | $35,969,000 | 358 |
| Net interest income | $47,226,000 | 450 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $11,024,000 | 590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,024,000 | 411 |
| Total noninterest expense | $47,441,000 | 391 |
| Salaries and employee benefits | $23,363,000 | 368 |
| Premises and equipment expense | $6,441,000 | 384 |
| Additional noninterest expense | $17,637,000 | 383 |
| Pre-tax net operating income | $10,806,000 | 804 |
| Securities gains (losses) | $2,791,000 | 222 |
| Applicable income taxes | $4,524,000 | 652 |
| Income before extraordinary items | $9,073,000 | 701 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,073,000 | 702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $716,000 | 1,250 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $10,074,000 | 58 |
| Net operating income | $7,203,030 | 839 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $74,674,000 | 489 |
| Total interest expense | $41,945,000 | 431 |
| Net interest income | $32,729,000 | 566 |
| Provision for loan and lease losses | $312,000 | 3,116 |
| Total noninterest income | $6,609,000 | 787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,609,000 | 532 |
| Total noninterest expense | $33,707,000 | 502 |
| Salaries and employee benefits | $16,994,000 | 472 |
| Premises and equipment expense | $4,736,000 | 483 |
| Additional noninterest expense | $11,977,000 | 499 |
| Pre-tax net operating income | $5,319,000 | 1,368 |
| Securities gains (losses) | $5,986,000 | 123 |
| Applicable income taxes | $3,812,000 | 681 |
| Income before extraordinary items | $7,493,000 | 747 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,493,000 | 748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,677 |
| Cash dividends | $12,000,000 | 320 |
| Sale, conversion, retirement of capital stock, net | $10,050,000 | 72 |
| Net operating income | $3,542,240 | 1,451 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $71,319,000 | 534 |
| Total interest expense | $41,063,000 | 490 |
| Net interest income | $30,256,000 | 609 |
| Provision for loan and lease losses | $1,884,000 | 642 |
| Total noninterest income | $4,689,000 | 971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,689,000 | 658 |
| Total noninterest expense | $22,717,000 | 687 |
| Salaries and employee benefits | $11,712,000 | 615 |
| Premises and equipment expense | $3,504,000 | 614 |
| Additional noninterest expense | $7,501,000 | 709 |
| Pre-tax net operating income | $10,344,000 | 759 |
| Securities gains (losses) | $91,000 | 591 |
| Applicable income taxes | $3,645,000 | 698 |
| Income before extraordinary items | $6,790,000 | 799 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,790,000 | 799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,730,850 | 801 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $71,008,000 | 522 |
| Total interest expense | $38,360,000 | 465 |
| Net interest income | $32,648,000 | 594 |
| Provision for loan and lease losses | $917,000 | 1,046 |
| Total noninterest income | $4,186,000 | 1,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,186,000 | 720 |
| Total noninterest expense | $21,660,000 | 716 |
| Salaries and employee benefits | $10,746,000 | 664 |
| Premises and equipment expense | $3,248,000 | 657 |
| Additional noninterest expense | $7,666,000 | 726 |
| Pre-tax net operating income | $14,257,000 | 621 |
| Securities gains (losses) | $146,000 | 620 |
| Applicable income taxes | $5,402,000 | 569 |
| Income before extraordinary items | $9,001,000 | 674 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,001,000 | 674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,576 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,907,560 | 667 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $69,782,000 | 530 |
| Total interest expense | $37,714,000 | 486 |
| Net interest income | $32,068,000 | 569 |
| Provision for loan and lease losses | $723,000 | 1,272 |
| Total noninterest income | $3,651,000 | 1,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,651,000 | 795 |
| Total noninterest expense | $20,437,000 | 729 |
| Salaries and employee benefits | $10,634,000 | 658 |
| Premises and equipment expense | $3,238,000 | 656 |
| Additional noninterest expense | $6,565,000 | 796 |
| Pre-tax net operating income | $14,559,000 | 578 |
| Securities gains (losses) | $467,000 | 579 |
| Applicable income taxes | $5,478,000 | 537 |
| Income before extraordinary items | $9,548,000 | 612 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,548,000 | 611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $33,000,000 | 190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $9,249,120 | 595 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $56,366,000 | 633 |
| Total interest expense | $31,105,000 | 565 |
| Net interest income | $25,261,000 | 716 |
| Provision for loan and lease losses | $415,000 | 2,043 |
| Total noninterest income | $2,103,000 | 1,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,103,000 | 1,059 |
| Total noninterest expense | $14,341,000 | 966 |
| Salaries and employee benefits | $8,605,000 | 790 |
| Premises and equipment expense | $1,934,000 | 1,028 |
| Additional noninterest expense | $3,802,000 | 1,164 |
| Pre-tax net operating income | $12,608,000 | 660 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,407,000 | 667 |
| Income before extraordinary items | $8,201,000 | 694 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,201,000 | 694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $6,000,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,201,000 | 678 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $45,148,000 | 796 |
| Total interest expense | $24,235,000 | 719 |
| Net interest income | $20,913,000 | 889 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $-546,000 | 11,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $-546,000 | 11,476 |
| Total noninterest expense | $12,667,000 | 1,154 |
| Salaries and employee benefits | $6,591,000 | 1,017 |
| Premises and equipment expense | $1,128,000 | 1,783 |
| Additional noninterest expense | $4,948,000 | 1,144 |
| Pre-tax net operating income | $7,580,000 | 1,001 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $3,396,000 | 784 |
| Income before extraordinary items | $4,186,000 | 1,205 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,186,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $8,000,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,184,720 | 1,187 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $37,217,000 | 958 |
| Total interest expense | $21,367,000 | 833 |
| Net interest income | $15,850,000 | 1,159 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $735,000 | 3,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $735,000 | 2,230 |
| Total noninterest expense | $7,389,000 | 1,888 |
| Salaries and employee benefits | $4,026,000 | 1,643 |
| Premises and equipment expense | $1,055,000 | 1,932 |
| Additional noninterest expense | $2,308,000 | 2,138 |
| Pre-tax net operating income | $9,046,000 | 897 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,309,000 | 841 |
| Income before extraordinary items | $5,737,000 | 935 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,737,000 | 935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,590 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $5,737,000 | 932 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,187,000 | 959 |
| Total interest expense | $17,192,000 | 812 |
| Net interest income | $15,995,000 | 1,146 |
| Provision for loan and lease losses | $470,000 | 1,620 |
| Total noninterest income | $686,000 | 4,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $686,000 | 2,365 |
| Total noninterest expense | $7,101,000 | 2,012 |
| Salaries and employee benefits | $3,738,000 | 1,801 |
| Premises and equipment expense | $934,000 | 2,159 |
| Additional noninterest expense | $2,429,000 | 2,187 |
| Pre-tax net operating income | $9,110,000 | 853 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $3,642,000 | 739 |
| Income before extraordinary items | $5,468,000 | 944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,468,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,468,000 | 947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $31,874,000 | 1,006 |
| Total interest expense | $16,061,000 | 882 |
| Net interest income | $15,813,000 | 1,149 |
| Provision for loan and lease losses | $-230,000 | 13,068 |
| Total noninterest income | $1,690,000 | 2,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,690,000 | 1,400 |
| Total noninterest expense | $6,278,000 | 2,301 |
| Salaries and employee benefits | $3,003,000 | 2,211 |
| Premises and equipment expense | $893,000 | 2,292 |
| Additional noninterest expense | $2,382,000 | 2,350 |
| Pre-tax net operating income | $11,455,000 | 635 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $3,916,000 | 664 |
| Income before extraordinary items | $7,550,000 | 696 |
| Extraordinary gains, net | $-807,000 | 13,197 |
| Net income | $6,743,000 | 806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,542,740 | 649 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $30,881,000 | 1,187 |
| Total interest expense | $17,820,000 | 1,014 |
| Net interest income | $13,061,000 | 1,420 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $1,002,000 | 3,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,002,000 | 1,998 |
| Total noninterest expense | $5,500,000 | 2,626 |
| Salaries and employee benefits | $2,560,000 | 2,525 |
| Premises and equipment expense | $828,000 | 2,497 |
| Additional noninterest expense | $2,112,000 | 2,674 |
| Pre-tax net operating income | $8,443,000 | 763 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,905,000 | 809 |
| Income before extraordinary items | $5,538,000 | 864 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,538,000 | 868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,538,000 | 787 |
* 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.