Home > Unifirst Federal Savings Bank > Income and Expense
Unifirst Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,411,000 | 3,107 |
| Total interest expense | $6,903,000 | 2,186 |
| Net interest income | $3,508,000 | 4,726 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $-419,000 | 10,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $-419,000 | 10,945 |
| Total noninterest expense | $2,787,000 | 4,351 |
| Salaries and employee benefits | $1,352,000 | 4,631 |
| Premises and equipment expense | $555,000 | 3,391 |
| Additional noninterest expense | $880,000 | 4,391 |
| Pre-tax net operating income | $302,000 | 8,989 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $302,000 | 8,359 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $302,000 | 8,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 1,367 |
| Cash dividends | $56,000 | 7,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $302,000 | 8,315 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,490,000 | 3,136 |
| Total interest expense | $6,858,000 | 2,258 |
| Net interest income | $3,632,000 | 4,679 |
| Provision for loan and lease losses | $580,000 | 1,557 |
| Total noninterest income | $-173,000 | 11,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $-173,000 | 11,475 |
| Total noninterest expense | $3,893,000 | 3,428 |
| Salaries and employee benefits | $1,335,000 | 4,762 |
| Premises and equipment expense | $506,000 | 3,743 |
| Additional noninterest expense | $2,052,000 | 2,398 |
| Pre-tax net operating income | $-1,014,000 | 11,338 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $-236,000 | 11,288 |
| Income before extraordinary items | $-768,000 | 11,330 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-768,000 | 11,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 2,188 |
| Cash dividends | $56,000 | 7,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-775,600 | 11,310 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,597,000 | 3,129 |
| Total interest expense | $7,032,000 | 2,217 |
| Net interest income | $3,565,000 | 4,784 |
| Provision for loan and lease losses | $476,000 | 1,643 |
| Total noninterest income | $-61,000 | 11,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $-61,000 | 11,999 |
| Total noninterest expense | $3,196,000 | 4,067 |
| Salaries and employee benefits | $1,307,000 | 4,837 |
| Premises and equipment expense | $527,000 | 3,590 |
| Additional noninterest expense | $1,362,000 | 3,352 |
| Pre-tax net operating income | $-168,000 | 11,652 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $-63,000 | 11,661 |
| Income before extraordinary items | $-100,000 | 11,604 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-100,000 | 11,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,114,000 | 827 |
| Cash dividends | $56,000 | 7,654 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-103,200 | 11,584 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,975,000 | 3,338 |
| Total interest expense | $5,184,000 | 2,379 |
| Net interest income | $3,791,000 | 4,597 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $-105,000 | 12,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $-105,000 | 12,614 |
| Total noninterest expense | $2,914,000 | 4,524 |
| Salaries and employee benefits | $1,285,000 | 4,935 |
| Premises and equipment expense | $452,000 | 4,133 |
| Additional noninterest expense | $1,177,000 | 4,117 |
| Pre-tax net operating income | $707,000 | 7,353 |
| Securities gains (losses) | $72,000 | 944 |
| Applicable income taxes | $285,000 | 6,056 |
| Income before extraordinary items | $494,000 | 7,366 |
| Extraordinary gains, net | $460,000 | 25 |
| Net income | $954,000 | 4,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $33,000 | 8,313 |
| Sale, conversion, retirement of capital stock, net | $758,000 | 471 |
| Net operating income | $447,920 | 7,787 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,813,000 | 3,486 |
| Total interest expense | $4,858,000 | 2,640 |
| Net interest income | $3,955,000 | 4,452 |
| Provision for loan and lease losses | $112,000 | 5,474 |
| Total noninterest income | $213,000 | 8,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $213,000 | 5,471 |
| Total noninterest expense | $2,809,000 | 4,776 |
| Salaries and employee benefits | $1,199,000 | 5,249 |
| Premises and equipment expense | $498,000 | 3,875 |
| Additional noninterest expense | $1,112,000 | 4,493 |
| Pre-tax net operating income | $1,247,000 | 5,044 |
| Securities gains (losses) | $105,000 | 2,440 |
| Applicable income taxes | $474,000 | 4,374 |
| Income before extraordinary items | $878,000 | 5,192 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $878,000 | 5,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 12,701 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $809,750 | 5,275 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,383,000 | 3,718 |
| Total interest expense | $5,396,000 | 3,079 |
| Net interest income | $3,987,000 | 4,459 |
| Provision for loan and lease losses | $603,000 | 2,609 |
| Total noninterest income | $-196,000 | 13,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $-196,000 | 13,947 |
| Total noninterest expense | $2,534,000 | 5,251 |
| Salaries and employee benefits | $1,004,000 | 6,006 |
| Premises and equipment expense | $496,000 | 3,998 |
| Additional noninterest expense | $1,034,000 | 4,921 |
| Pre-tax net operating income | $654,000 | 7,369 |
| Securities gains (losses) | $411,000 | 1,254 |
| Applicable income taxes | $110,000 | 9,648 |
| Income before extraordinary items | $955,000 | 4,695 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $955,000 | 4,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 9,043 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $585,100 | 6,316 |
* 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.