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Macomb Federal Savings Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$2,778,0008,519
Total interest expense$1,732,0007,056
Net interest income$1,046,0009,790
Provision for loan and lease losses$08,958
Total noninterest income$91,00010,478
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$91,0007,528
Total noninterest expense$745,00010,008
Salaries and employee benefits$523,0008,922
Premises and equipment expense$34,00011,525
Additional noninterest expense$188,00010,575
Pre-tax net operating income$392,0009,120
Securities gains (losses)$03,831
Applicable income taxes$117,0008,844
Income before extraordinary items$275,0009,184
Extraordinary gains, net$065
Net income$275,0009,188
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$275,0009,153
1994-12-31 (YTD Data)Rank
Total interest income$2,422,0009,050
Total interest expense$1,320,0007,485
Net interest income$1,102,00010,058
Provision for loan and lease losses$09,146
Total noninterest income$106,00010,599
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$106,0007,329
Total noninterest expense$782,00010,320
Salaries and employee benefits$534,0009,091
Premises and equipment expense$38,00012,035
Additional noninterest expense$210,00011,012
Pre-tax net operating income$426,0009,151
Securities gains (losses)$03,600
Applicable income taxes$134,0008,630
Income before extraordinary items$292,0009,229
Extraordinary gains, net$0249
Net income$292,0009,234
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$36,000947
Net operating income$292,0009,298
1993-12-31 (YTD Data)Rank
Total interest income$2,393,0009,402
Total interest expense$1,349,0007,713
Net interest income$1,044,00010,617
Provision for loan and lease losses$010,371
Total noninterest income$108,00011,132
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$108,0007,642
Total noninterest expense$752,00010,908
Salaries and employee benefits$499,0009,680
Premises and equipment expense$42,00012,473
Additional noninterest expense$211,00011,579
Pre-tax net operating income$400,0009,417
Securities gains (losses)$37,0003,837
Applicable income taxes$122,0009,263
Income before extraordinary items$315,0009,302
Extraordinary gains, net$03,149
Net income$315,0009,469
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,00012,272
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$36,0001,015
Net operating income$288,3609,350
1992-12-31 (YTD Data)Rank
Total interest income$2,926,0009,119
Total interest expense$1,722,0007,838
Net interest income$1,204,00010,313
Provision for loan and lease losses$117,0006,890
Total noninterest income$71,00012,535
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$71,0009,237
Total noninterest expense$744,00011,288
Salaries and employee benefits$446,00010,349
Premises and equipment expense$42,00012,992
Additional noninterest expense$256,00011,456
Pre-tax net operating income$414,0009,116
Securities gains (losses)$-36,00013,616
Applicable income taxes$143,0008,814
Income before extraordinary items$235,00010,099
Extraordinary gains, net$01,422
Net income$235,00010,247
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0009,274
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$1,439,000364
Net operating income$258,0409,443

* 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.