Home > Twin City Federal Savings Bank > Income and Expense
Twin City Federal Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,793,000 | 3,598 |
| Total interest expense | $4,269,000 | 3,394 |
| Net interest income | $4,524,000 | 3,766 |
| Provision for loan and lease losses | $85,000 | 5,558 |
| Total noninterest income | $451,000 | 5,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $451,000 | 3,157 |
| Total noninterest expense | $3,338,000 | 3,861 |
| Salaries and employee benefits | $2,097,000 | 3,287 |
| Premises and equipment expense | $727,000 | 2,778 |
| Additional noninterest expense | $514,000 | 6,409 |
| Pre-tax net operating income | $1,552,000 | 3,994 |
| Securities gains (losses) | $480,000 | 349 |
| Applicable income taxes | $806,000 | 2,624 |
| Income before extraordinary items | $1,226,000 | 3,812 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,226,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,401 |
| Cash dividends | $1,003,000 | 2,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $918,800 | 4,646 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,790,000 | 3,607 |
| Total interest expense | $4,303,000 | 3,443 |
| Net interest income | $4,487,000 | 3,746 |
| Provision for loan and lease losses | $232,000 | 3,197 |
| Total noninterest income | $614,000 | 4,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $614,000 | 2,606 |
| Total noninterest expense | $3,088,000 | 4,019 |
| Salaries and employee benefits | $1,989,000 | 3,354 |
| Premises and equipment expense | $630,000 | 3,038 |
| Additional noninterest expense | $469,000 | 6,656 |
| Pre-tax net operating income | $1,781,000 | 3,663 |
| Securities gains (losses) | $352,000 | 683 |
| Applicable income taxes | $847,000 | 2,604 |
| Income before extraordinary items | $1,286,000 | 3,728 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,286,000 | 3,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,780 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,060,720 | 4,208 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,465,000 | 3,769 |
| Total interest expense | $4,262,000 | 3,448 |
| Net interest income | $4,203,000 | 4,056 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $438,000 | 5,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $438,000 | 3,096 |
| Total noninterest expense | $2,945,000 | 4,157 |
| Salaries and employee benefits | $1,963,000 | 3,366 |
| Premises and equipment expense | $538,000 | 3,470 |
| Additional noninterest expense | $444,000 | 6,977 |
| Pre-tax net operating income | $1,531,000 | 4,418 |
| Securities gains (losses) | $286,000 | 579 |
| Applicable income taxes | $723,000 | 3,156 |
| Income before extraordinary items | $1,094,000 | 4,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,094,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,620 |
| Cash dividends | $1,600,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $910,960 | 4,951 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,353,000 | 3,872 |
| Total interest expense | $4,063,000 | 3,655 |
| Net interest income | $4,290,000 | 4,041 |
| Provision for loan and lease losses | $422,000 | 2,000 |
| Total noninterest income | $461,000 | 5,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $461,000 | 3,094 |
| Total noninterest expense | $3,444,000 | 3,832 |
| Salaries and employee benefits | $1,813,000 | 3,640 |
| Premises and equipment expense | $461,000 | 4,038 |
| Additional noninterest expense | $1,170,000 | 3,859 |
| Pre-tax net operating income | $885,000 | 6,142 |
| Securities gains (losses) | $154,000 | 788 |
| Applicable income taxes | $398,000 | 4,908 |
| Income before extraordinary items | $641,000 | 6,032 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $641,000 | 6,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,596 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $542,440 | 6,549 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,805,000 | 4,101 |
| Total interest expense | $3,904,000 | 3,753 |
| Net interest income | $3,901,000 | 4,406 |
| Provision for loan and lease losses | $17,000 | 7,866 |
| Total noninterest income | $391,000 | 6,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $391,000 | 3,355 |
| Total noninterest expense | $2,731,000 | 4,626 |
| Salaries and employee benefits | $1,727,000 | 3,780 |
| Premises and equipment expense | $417,000 | 4,366 |
| Additional noninterest expense | $587,000 | 6,617 |
| Pre-tax net operating income | $1,544,000 | 4,350 |
| Securities gains (losses) | $222,000 | 638 |
| Applicable income taxes | $709,000 | 3,203 |
| Income before extraordinary items | $1,057,000 | 4,384 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,057,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $914,920 | 4,923 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,370,000 | 4,607 |
| Total interest expense | $3,415,000 | 3,521 |
| Net interest income | $2,955,000 | 5,670 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $483,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $483,000 | 3,014 |
| Total noninterest expense | $2,302,000 | 5,541 |
| Salaries and employee benefits | $1,326,000 | 4,797 |
| Premises and equipment expense | $407,000 | 4,522 |
| Additional noninterest expense | $569,000 | 7,264 |
| Pre-tax net operating income | $1,082,000 | 5,638 |
| Securities gains (losses) | $105,000 | 755 |
| Applicable income taxes | $399,000 | 4,778 |
| Income before extraordinary items | $788,000 | 5,422 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $788,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,231,000 | 161 |
| Net operating income | $718,700 | 5,878 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,452,000 | 4,638 |
| Total interest expense | $3,421,000 | 3,676 |
| Net interest income | $3,031,000 | 5,614 |
| Provision for loan and lease losses | $-21,000 | 12,590 |
| Total noninterest income | $325,000 | 7,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $325,000 | 4,273 |
| Total noninterest expense | $2,113,000 | 6,064 |
| Salaries and employee benefits | $1,208,000 | 5,208 |
| Premises and equipment expense | $365,000 | 5,065 |
| Additional noninterest expense | $540,000 | 7,861 |
| Pre-tax net operating income | $1,264,000 | 4,980 |
| Securities gains (losses) | $125,000 | 2,199 |
| Applicable income taxes | $469,000 | 4,420 |
| Income before extraordinary items | $920,000 | 5,008 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $920,000 | 5,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $837,500 | 5,141 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,240,000 | 4,692 |
| Total interest expense | $4,175,000 | 3,918 |
| Net interest income | $3,065,000 | 5,619 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $303,000 | 7,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $303,000 | 4,397 |
| Total noninterest expense | $2,103,000 | 6,138 |
| Salaries and employee benefits | $1,188,000 | 5,215 |
| Premises and equipment expense | $361,000 | 5,234 |
| Additional noninterest expense | $554,000 | 7,945 |
| Pre-tax net operating income | $1,215,000 | 4,870 |
| Securities gains (losses) | $207,000 | 1,971 |
| Applicable income taxes | $533,000 | 3,779 |
| Income before extraordinary items | $889,000 | 4,979 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $889,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $756,520 | 5,261 |
* 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.