Home > St. Francis Bank, F.S.B. > Income and Expense
St. Francis Bank, F.S.B., Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $70,447,000 | 345 |
| Total interest expense | $40,490,000 | 217 |
| Net interest income | $29,957,000 | 504 |
| Provision for loan and lease losses | $281,000 | 2,633 |
| Total noninterest income | $22,246,000 | 322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $458,000 | 91 |
| Additional Noninterest Income | $21,788,000 | 255 |
| Total noninterest expense | $41,596,000 | 345 |
| Salaries and employee benefits | $22,415,000 | 317 |
| Premises and equipment expense | $8,771,000 | 234 |
| Additional noninterest expense | $10,410,000 | 443 |
| Pre-tax net operating income | $10,326,000 | 667 |
| Securities gains (losses) | $16,321,000 | 77 |
| Applicable income taxes | $7,685,000 | 378 |
| Income before extraordinary items | $18,962,000 | 335 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $18,962,000 | 336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $543,000 | 1,095 |
| Cash dividends | $15,000,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,374,090 | 651 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $48,005,000 | 342 |
| Total interest expense | $27,323,000 | 221 |
| Net interest income | $20,682,000 | 496 |
| Provision for loan and lease losses | $256,000 | 2,085 |
| Total noninterest income | $13,115,000 | 352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $458,000 | 86 |
| Additional Noninterest Income | $12,657,000 | 275 |
| Total noninterest expense | $27,941,000 | 344 |
| Salaries and employee benefits | $15,187,000 | 316 |
| Premises and equipment expense | $5,920,000 | 234 |
| Additional noninterest expense | $6,834,000 | 451 |
| Pre-tax net operating income | $5,600,000 | 798 |
| Securities gains (losses) | $13,500,000 | 70 |
| Applicable income taxes | $5,635,000 | 355 |
| Income before extraordinary items | $13,465,000 | 321 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $13,465,000 | 323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 837 |
| Cash dividends | $10,000,000 | 200 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,015,000 | 778 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $24,511,000 | 345 |
| Total interest expense | $13,933,000 | 225 |
| Net interest income | $10,578,000 | 492 |
| Provision for loan and lease losses | $172,000 | 1,535 |
| Total noninterest income | $6,117,000 | 372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $257,000 | 80 |
| Additional Noninterest Income | $5,860,000 | 289 |
| Total noninterest expense | $13,906,000 | 347 |
| Salaries and employee benefits | $7,682,000 | 314 |
| Premises and equipment expense | $2,994,000 | 240 |
| Additional noninterest expense | $3,230,000 | 463 |
| Pre-tax net operating income | $2,617,000 | 863 |
| Securities gains (losses) | $6,543,000 | 68 |
| Applicable income taxes | $2,655,000 | 379 |
| Income before extraordinary items | $6,505,000 | 323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,505,000 | 324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 519 |
| Cash dividends | $5,000,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,859,470 | 844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $114,937,000 | 326 |
| Total interest expense | $63,338,000 | 233 |
| Net interest income | $51,599,000 | 413 |
| Provision for loan and lease losses | $2,759,000 | 581 |
| Total noninterest income | $19,730,000 | 405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $410,000 | 84 |
| Additional Noninterest Income | $19,320,000 | 306 |
| Total noninterest expense | $51,881,000 | 362 |
| Salaries and employee benefits | $27,752,000 | 324 |
| Premises and equipment expense | $11,920,000 | 235 |
| Additional noninterest expense | $12,209,000 | 481 |
| Pre-tax net operating income | $16,689,000 | 538 |
| Securities gains (losses) | $15,513,000 | 75 |
| Applicable income taxes | $9,228,000 | 380 |
| Income before extraordinary items | $22,974,000 | 332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $22,974,000 | 331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 1,400 |
| Cash dividends | $23,000,000 | 220 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $11,959,770 | 527 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $146,326,000 | 304 |
| Total interest expense | $91,972,000 | 239 |
| Net interest income | $54,354,000 | 386 |
| Provision for loan and lease losses | $5,836,000 | 322 |
| Total noninterest income | $22,017,000 | 366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $308,000 | 96 |
| Additional Noninterest Income | $21,709,000 | 283 |
| Total noninterest expense | $48,843,000 | 372 |
| Salaries and employee benefits | $24,098,000 | 331 |
| Premises and equipment expense | $12,086,000 | 218 |
| Additional noninterest expense | $12,659,000 | 481 |
| Pre-tax net operating income | $21,692,000 | 397 |
| Securities gains (losses) | $9,115,000 | 91 |
| Applicable income taxes | $9,479,000 | 342 |
| Income before extraordinary items | $21,328,000 | 308 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $21,328,000 | 307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,276,000 | 346 |
| Cash dividends | $18,000,000 | 253 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $15,038,650 | 386 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $174,788,000 | 283 |
| Total interest expense | $123,158,000 | 224 |
| Net interest income | $51,630,000 | 394 |
| Provision for loan and lease losses | $2,612,000 | 509 |
| Total noninterest income | $18,144,000 | 405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $54,000 | 140 |
| Additional Noninterest Income | $18,090,000 | 311 |
| Total noninterest expense | $45,519,000 | 375 |
| Salaries and employee benefits | $21,870,000 | 340 |
| Premises and equipment expense | $11,979,000 | 212 |
| Additional noninterest expense | $11,670,000 | 518 |
| Pre-tax net operating income | $21,643,000 | 422 |
| Securities gains (losses) | $1,869,000 | 101 |
| Applicable income taxes | $6,419,000 | 461 |
| Income before extraordinary items | $17,093,000 | 367 |
| Extraordinary gains, net | $-84,000 | 9,886 |
| Net income | $17,009,000 | 371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,641,000 | 532 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $15,728,630 | 396 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $155,137,000 | 284 |
| Total interest expense | $103,088,000 | 224 |
| Net interest income | $52,049,000 | 405 |
| Provision for loan and lease losses | $1,940,000 | 580 |
| Total noninterest income | $17,495,000 | 436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $51,000 | 131 |
| Additional Noninterest Income | $17,444,000 | 328 |
| Total noninterest expense | $46,711,000 | 381 |
| Salaries and employee benefits | $25,942,000 | 308 |
| Premises and equipment expense | $11,513,000 | 227 |
| Additional noninterest expense | $9,256,000 | 642 |
| Pre-tax net operating income | $20,893,000 | 466 |
| Securities gains (losses) | $1,320,000 | 178 |
| Applicable income taxes | $7,732,000 | 439 |
| Income before extraordinary items | $14,481,000 | 459 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $14,481,000 | 458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $794,000 | 842 |
| Cash dividends | $18,118,000 | 269 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $13,623,000 | 478 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $118,185,000 | 341 |
| Total interest expense | $78,811,000 | 263 |
| Net interest income | $39,374,000 | 490 |
| Provision for loan and lease losses | $2,580,000 | 486 |
| Total noninterest income | $18,171,000 | 402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-732,000 | 4,450 |
| Additional Noninterest Income | $18,903,000 | 303 |
| Total noninterest expense | $43,318,000 | 400 |
| Salaries and employee benefits | $19,400,000 | 388 |
| Premises and equipment expense | $10,073,000 | 242 |
| Additional noninterest expense | $13,845,000 | 459 |
| Pre-tax net operating income | $11,647,000 | 695 |
| Securities gains (losses) | $5,983,000 | 111 |
| Applicable income taxes | $1,973,000 | 1,281 |
| Income before extraordinary items | $15,657,000 | 404 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,657,000 | 404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,377 |
| Cash dividends | $15,543,000 | 284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $10,332,130 | 552 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $105,147,000 | 392 |
| Total interest expense | $71,045,000 | 296 |
| Net interest income | $34,102,000 | 553 |
| Provision for loan and lease losses | $1,219,000 | 841 |
| Total noninterest income | $13,250,000 | 467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $408,000 | 115 |
| Additional Noninterest Income | $12,842,000 | 354 |
| Total noninterest expense | $31,695,000 | 497 |
| Salaries and employee benefits | $14,673,000 | 470 |
| Premises and equipment expense | $7,492,000 | 309 |
| Additional noninterest expense | $9,530,000 | 610 |
| Pre-tax net operating income | $14,438,000 | 597 |
| Securities gains (losses) | $313,000 | 558 |
| Applicable income taxes | $2,594,000 | 1,063 |
| Income before extraordinary items | $12,157,000 | 509 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $12,157,000 | 509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,136,000 | 488 |
| Cash dividends | $13,833,000 | 296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $11,900,340 | 493 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $86,595,000 | 479 |
| Total interest expense | $56,931,000 | 387 |
| Net interest income | $29,664,000 | 659 |
| Provision for loan and lease losses | $1,495,000 | 759 |
| Total noninterest income | $8,295,000 | 666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $385,000 | 131 |
| Additional Noninterest Income | $7,910,000 | 494 |
| Total noninterest expense | $29,048,000 | 578 |
| Salaries and employee benefits | $11,494,000 | 608 |
| Premises and equipment expense | $5,535,000 | 437 |
| Additional noninterest expense | $12,019,000 | 581 |
| Pre-tax net operating income | $7,416,000 | 1,017 |
| Securities gains (losses) | $3,242,000 | 113 |
| Applicable income taxes | $2,051,000 | 1,205 |
| Income before extraordinary items | $8,607,000 | 661 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,607,000 | 661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 1,301 |
| Cash dividends | $9,827,000 | 434 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,980,980 | 878 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $78,776,000 | 541 |
| Total interest expense | $51,108,000 | 437 |
| Net interest income | $27,668,000 | 721 |
| Provision for loan and lease losses | $246,000 | 2,601 |
| Total noninterest income | $6,218,000 | 822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $217,000 | 235 |
| Additional Noninterest Income | $6,001,000 | 590 |
| Total noninterest expense | $18,223,000 | 855 |
| Salaries and employee benefits | $9,450,000 | 745 |
| Premises and equipment expense | $4,384,000 | 549 |
| Additional noninterest expense | $4,389,000 | 1,243 |
| Pre-tax net operating income | $15,417,000 | 579 |
| Securities gains (losses) | $5,571,000 | 53 |
| Applicable income taxes | $7,960,000 | 430 |
| Income before extraordinary items | $13,028,000 | 497 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,028,000 | 498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,011 |
| Cash dividends | $11,502,000 | 363 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $9,462,560 | 615 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $62,770,000 | 573 |
| Total interest expense | $35,104,000 | 481 |
| Net interest income | $27,666,000 | 720 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $4,721,000 | 960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-583,000 | 4,927 |
| Additional Noninterest Income | $5,304,000 | 621 |
| Total noninterest expense | $19,961,000 | 809 |
| Salaries and employee benefits | $10,219,000 | 690 |
| Premises and equipment expense | $3,859,000 | 602 |
| Additional noninterest expense | $5,883,000 | 1,028 |
| Pre-tax net operating income | $12,186,000 | 676 |
| Securities gains (losses) | $504,000 | 266 |
| Applicable income taxes | $5,044,000 | 560 |
| Income before extraordinary items | $7,646,000 | 715 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $7,646,000 | 716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,406 |
| Cash dividends | $14,053,000 | 275 |
| Sale, conversion, retirement of capital stock, net | $1,390,000 | 366 |
| Net operating income | $7,323,440 | 745 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $50,009,000 | 697 |
| Total interest expense | $27,047,000 | 569 |
| Net interest income | $22,962,000 | 819 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $4,767,000 | 1,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $13,000 | 406 |
| Additional Noninterest Income | $4,754,000 | 694 |
| Total noninterest expense | $18,612,000 | 895 |
| Salaries and employee benefits | $9,098,000 | 760 |
| Premises and equipment expense | $3,516,000 | 666 |
| Additional noninterest expense | $5,998,000 | 1,097 |
| Pre-tax net operating income | $8,982,000 | 819 |
| Securities gains (losses) | $2,729,000 | 253 |
| Applicable income taxes | $4,561,000 | 576 |
| Income before extraordinary items | $7,150,000 | 732 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,150,000 | 757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 5,430 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $27,485,000 | 56 |
| Net operating income | $5,403,440 | 906 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $53,083,000 | 739 |
| Total interest expense | $32,956,000 | 618 |
| Net interest income | $20,127,000 | 933 |
| Provision for loan and lease losses | $1,076,000 | 1,752 |
| Total noninterest income | $4,527,000 | 1,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $23,000 | 360 |
| Additional Noninterest Income | $4,504,000 | 727 |
| Total noninterest expense | $16,759,000 | 983 |
| Salaries and employee benefits | $7,921,000 | 858 |
| Premises and equipment expense | $3,331,000 | 725 |
| Additional noninterest expense | $5,507,000 | 1,210 |
| Pre-tax net operating income | $6,819,000 | 950 |
| Securities gains (losses) | $277,000 | 1,615 |
| Applicable income taxes | $3,460,000 | 678 |
| Income before extraordinary items | $3,636,000 | 1,285 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,636,000 | 1,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,183,000 | 1,404 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,458,720 | 1,246 |
* 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.