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Thomaston Federal Savings Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,770,0006,551
Total interest expense$2,089,0005,843
Net interest income$1,681,0007,223
Provision for loan and lease losses$08,503
Total noninterest income$456,0005,242
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$456,0003,134
Total noninterest expense$2,854,0004,394
Salaries and employee benefits$1,560,0004,197
Premises and equipment expense$619,0003,167
Additional noninterest expense$675,0005,379
Pre-tax net operating income$-717,0009,975
Securities gains (losses)$1,018,000216
Applicable income taxes$193,0005,788
Income before extraordinary items$108,0008,905
Extraordinary gains, net$035
Net income$108,0008,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$1,578,0001,623
Sale, conversion, retirement of capital stock, net$39,000875
Net operating income$-543,5209,908
1998-12-31 (YTD Data)Rank
Total interest income$3,845,0006,608
Total interest expense$2,240,0005,767
Net interest income$1,605,0007,467
Provision for loan and lease losses$08,652
Total noninterest income$625,0004,267
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$625,0002,575
Total noninterest expense$2,832,0004,335
Salaries and employee benefits$1,762,0003,736
Premises and equipment expense$544,0003,457
Additional noninterest expense$526,0006,257
Pre-tax net operating income$-602,00010,233
Securities gains (losses)$1,544,000281
Applicable income taxes$331,0004,912
Income before extraordinary items$611,0005,999
Extraordinary gains, net$032
Net income$611,0005,998
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,101
Cash dividends$63,0006,712
Sale, conversion, retirement of capital stock, net$1,0001,017
Net operating income$-392,60010,152
1997-12-31 (YTD Data)Rank
Total interest income$3,805,0006,840
Total interest expense$2,172,0005,934
Net interest income$1,633,0007,700
Provision for loan and lease losses$08,829
Total noninterest income$557,0004,652
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$557,0002,629
Total noninterest expense$2,751,0004,404
Salaries and employee benefits$1,728,0003,782
Premises and equipment expense$498,0003,714
Additional noninterest expense$525,0006,314
Pre-tax net operating income$-561,00010,762
Securities gains (losses)$1,523,000224
Applicable income taxes$346,0005,349
Income before extraordinary items$616,0006,274
Extraordinary gains, net$044
Net income$616,0006,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,572
Cash dividends$54,0007,131
Sale, conversion, retirement of capital stock, net$1,0001,018
Net operating income$-358,72010,685
1996-12-31 (YTD Data)Rank
Total interest income$3,674,0007,195
Total interest expense$2,098,0006,231
Net interest income$1,576,0008,092
Provision for loan and lease losses$37,0007,110
Total noninterest income$586,0004,641
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$586,0002,607
Total noninterest expense$3,024,0004,284
Salaries and employee benefits$1,697,0003,861
Premises and equipment expense$492,0003,825
Additional noninterest expense$835,0005,039
Pre-tax net operating income$-899,00011,326
Securities gains (losses)$1,536,000187
Applicable income taxes$231,0006,694
Income before extraordinary items$406,0007,567
Extraordinary gains, net$053
Net income$406,0007,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0005,970
Cash dividends$51,0007,487
Sale, conversion, retirement of capital stock, net$2,000925
Net operating income$-577,04011,266
1995-12-31 (YTD Data)Rank
Total interest income$3,480,0007,586
Total interest expense$1,978,0006,517
Net interest income$1,502,0008,530
Provision for loan and lease losses$24,0007,406
Total noninterest income$486,0005,291
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$486,0002,931
Total noninterest expense$2,354,0005,255
Salaries and employee benefits$1,415,0004,521
Premises and equipment expense$449,0004,121
Additional noninterest expense$490,0007,341
Pre-tax net operating income$-390,00011,764
Securities gains (losses)$1,187,000194
Applicable income taxes$271,0006,353
Income before extraordinary items$526,0007,054
Extraordinary gains, net$065
Net income$526,0007,053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,876
Cash dividends$42,0007,940
Sale, conversion, retirement of capital stock, netNANA
Net operating income$-257,42011,700
1994-12-31 (YTD Data)Rank
Total interest income$2,995,0008,054
Total interest expense$1,530,0006,807
Net interest income$1,465,0008,974
Provision for loan and lease losses$50,0006,087
Total noninterest income$566,0004,862
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$566,0002,707
Total noninterest expense$2,211,0005,711
Salaries and employee benefits$1,353,0004,709
Premises and equipment expense$390,0004,688
Additional noninterest expense$468,0008,175
Pre-tax net operating income$-230,00012,279
Securities gains (losses)$1,129,000154
Applicable income taxes$311,0005,743
Income before extraordinary items$588,0006,632
Extraordinary gains, net$-3,00012,490
Net income$585,0006,673
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00011,264
Cash dividends$27,0008,436
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-145,85012,214
1993-12-31 (YTD Data)Rank
Total interest income$2,997,0008,339
Total interest expense$1,634,0006,781
Net interest income$1,363,0009,536
Provision for loan and lease losses$112,0005,474
Total noninterest income$417,0006,306
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$417,0003,659
Total noninterest expense$2,373,0005,516
Salaries and employee benefits$1,635,0003,950
Premises and equipment expense$326,0005,507
Additional noninterest expense$412,0009,132
Pre-tax net operating income$-705,00012,913
Securities gains (losses)$1,807,000347
Applicable income taxes$384,0005,152
Income before extraordinary items$718,0006,000
Extraordinary gains, net$-36,00012,608
Net income$682,0006,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0005,115
Cash dividends$21,0008,652
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-456,55012,821
1992-12-31 (YTD Data)Rank
Total interest income$3,190,0008,651
Total interest expense$2,128,0006,795
Net interest income$1,062,00010,849
Provision for loan and lease losses$156,0005,974
Total noninterest income$285,0007,936
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$285,0004,575
Total noninterest expense$1,734,0007,174
Salaries and employee benefits$1,208,0005,127
Premises and equipment expense$223,0007,323
Additional noninterest expense$303,00010,782
Pre-tax net operating income$-543,00013,313
Securities gains (losses)$1,145,000585
Applicable income taxes$225,0007,091
Income before extraordinary items$377,0008,443
Extraordinary gains, net$01,422
Net income$377,0008,568
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$151,0004,874
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-355,80013,186

* 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.