Home > Patriot Federal Savings Bank > Income and Expense
Patriot Federal Savings Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 10,358 |
| Total interest expense | $1,123,000 | 8,202 |
| Net interest income | $574,000 | 11,787 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $127,000 | 6,755 |
| Total noninterest expense | $705,000 | 10,682 |
| Salaries and employee benefits | $187,000 | 12,151 |
| Premises and equipment expense | $163,000 | 8,231 |
| Additional noninterest expense | $355,000 | 9,289 |
| Pre-tax net operating income | $-40,000 | 12,155 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-2,000 | 12,041 |
| Income before extraordinary items | $-38,000 | 12,090 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-38,000 | 12,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-38,000 | 12,113 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 10,820 |
| Total interest expense | $1,136,000 | 8,532 |
| Net interest income | $560,000 | 12,364 |
| Provision for loan and lease losses | $329,000 | 2,811 |
| Total noninterest income | $221,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $221,000 | 5,372 |
| Total noninterest expense | $1,080,000 | 9,404 |
| Salaries and employee benefits | $453,000 | 10,117 |
| Premises and equipment expense | $149,000 | 8,943 |
| Additional noninterest expense | $478,000 | 8,448 |
| Pre-tax net operating income | $-628,000 | 12,891 |
| Securities gains (losses) | $133,000 | 2,128 |
| Applicable income taxes | $-177,000 | 13,028 |
| Income before extraordinary items | $-318,000 | 12,835 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-318,000 | 12,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 2,038 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-403,120 | 12,801 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 10,839 |
| Total interest expense | $1,139,000 | 9,826 |
| Net interest income | $894,000 | 11,542 |
| Provision for loan and lease losses | $361,000 | 3,680 |
| Total noninterest income | $50,000 | 13,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $794,000 | 11,033 |
| Salaries and employee benefits | $336,000 | 11,595 |
| Premises and equipment expense | $88,000 | 11,176 |
| Additional noninterest expense | $370,000 | 9,943 |
| Pre-tax net operating income | $-211,000 | 13,106 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $-27,000 | 13,449 |
| Income before extraordinary items | $-153,000 | 13,126 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-153,000 | 13,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,098,000 | 395 |
| Net operating income | $-179,350 | 13,031 |
* 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.