Home > Pointe Federal Savings Bank > Income and Expense
Pointe Federal Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,198,000 | 3,541 |
| Total interest expense | $6,126,000 | 2,503 |
| Net interest income | $3,072,000 | 5,342 |
| Provision for loan and lease losses | $69,000 | 5,880 |
| Total noninterest income | $819,000 | 3,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $819,000 | 2,077 |
| Total noninterest expense | $5,382,000 | 2,533 |
| Salaries and employee benefits | $1,037,000 | 5,842 |
| Premises and equipment expense | $910,000 | 2,185 |
| Additional noninterest expense | $3,435,000 | 1,540 |
| Pre-tax net operating income | $-1,560,000 | 11,388 |
| Securities gains (losses) | $880,000 | 284 |
| Applicable income taxes | $-223,000 | 11,282 |
| Income before extraordinary items | $-457,000 | 11,248 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-457,000 | 11,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-1,046,600 | 11,350 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,816,000 | 2,823 |
| Total interest expense | $8,693,000 | 1,822 |
| Net interest income | $3,123,000 | 5,325 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $1,365,000 | 2,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,365,000 | 1,443 |
| Total noninterest expense | $5,016,000 | 2,707 |
| Salaries and employee benefits | $1,230,000 | 5,098 |
| Premises and equipment expense | $1,200,000 | 1,676 |
| Additional noninterest expense | $2,586,000 | 1,939 |
| Pre-tax net operating income | $-553,000 | 11,808 |
| Securities gains (losses) | $468,000 | 376 |
| Applicable income taxes | $-31,000 | 11,594 |
| Income before extraordinary items | $-54,000 | 11,566 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-54,000 | 11,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-353,520 | 11,749 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,638,000 | 2,854 |
| Total interest expense | $6,906,000 | 1,822 |
| Net interest income | $3,732,000 | 4,662 |
| Provision for loan and lease losses | $59,000 | 5,840 |
| Total noninterest income | $3,374,000 | 1,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,374,000 | 825 |
| Total noninterest expense | $5,759,000 | 2,442 |
| Salaries and employee benefits | $2,848,000 | 2,357 |
| Premises and equipment expense | $919,000 | 2,194 |
| Additional noninterest expense | $1,992,000 | 2,583 |
| Pre-tax net operating income | $1,288,000 | 4,974 |
| Securities gains (losses) | $-57,000 | 11,138 |
| Applicable income taxes | $463,000 | 4,295 |
| Income before extraordinary items | $768,000 | 5,510 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $768,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,693 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $804,480 | 5,402 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,807,000 | 3,148 |
| Total interest expense | $6,208,000 | 2,094 |
| Net interest income | $3,599,000 | 4,840 |
| Provision for loan and lease losses | $108,000 | 5,571 |
| Total noninterest income | $4,549,000 | 1,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,549,000 | 728 |
| Total noninterest expense | $6,589,000 | 2,207 |
| Salaries and employee benefits | $3,528,000 | 1,899 |
| Premises and equipment expense | $1,012,000 | 2,027 |
| Additional noninterest expense | $2,049,000 | 2,676 |
| Pre-tax net operating income | $1,451,000 | 4,447 |
| Securities gains (losses) | $1,329,000 | 430 |
| Applicable income taxes | $1,022,000 | 2,198 |
| Income before extraordinary items | $1,758,000 | 2,819 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,758,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $907,440 | 4,837 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,874,000 | 3,907 |
| Total interest expense | $5,672,000 | 2,939 |
| Net interest income | $3,202,000 | 5,398 |
| Provision for loan and lease losses | $190,000 | 5,357 |
| Total noninterest income | $2,034,000 | 1,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,034,000 | 1,225 |
| Total noninterest expense | $5,749,000 | 2,516 |
| Salaries and employee benefits | $2,431,000 | 2,669 |
| Premises and equipment expense | $836,000 | 2,465 |
| Additional noninterest expense | $2,482,000 | 2,339 |
| Pre-tax net operating income | $-703,000 | 13,399 |
| Securities gains (losses) | $3,933,000 | 249 |
| Applicable income taxes | $560,000 | 3,633 |
| Income before extraordinary items | $2,670,000 | 1,715 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,670,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 7,501 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-594,390 | 13,319 |
* 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.