Home > Albion Federal Savings and Loan Association > Income and Expense
Albion Federal Savings and Loan Association, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 5,321 |
| Total interest expense | $3,003,000 | 4,602 |
| Net interest income | $2,378,000 | 5,985 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $389,000 | 5,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $389,000 | 3,492 |
| Total noninterest expense | $2,138,000 | 5,416 |
| Salaries and employee benefits | $1,093,000 | 5,531 |
| Premises and equipment expense | $712,000 | 2,833 |
| Additional noninterest expense | $333,000 | 7,849 |
| Pre-tax net operating income | $545,000 | 6,938 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $139,000 | 6,415 |
| Income before extraordinary items | $406,000 | 6,959 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $406,000 | 6,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $406,000 | 6,930 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 5,465 |
| Total interest expense | $3,014,000 | 4,709 |
| Net interest income | $2,266,000 | 6,187 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $386,000 | 5,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $386,000 | 3,503 |
| Total noninterest expense | $2,023,000 | 5,553 |
| Salaries and employee benefits | $1,028,000 | 5,673 |
| Premises and equipment expense | $635,000 | 3,009 |
| Additional noninterest expense | $360,000 | 7,574 |
| Pre-tax net operating income | $564,000 | 7,091 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $209,000 | 6,091 |
| Income before extraordinary items | $372,000 | 7,396 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $372,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,222 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $361,120 | 7,389 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,122,000 | 5,694 |
| Total interest expense | $2,869,000 | 4,900 |
| Net interest income | $2,253,000 | 6,435 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $382,000 | 5,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $382,000 | 3,384 |
| Total noninterest expense | $2,037,000 | 5,590 |
| Salaries and employee benefits | $1,009,000 | 5,818 |
| Premises and equipment expense | $587,000 | 3,217 |
| Additional noninterest expense | $441,000 | 7,008 |
| Pre-tax net operating income | $562,000 | 7,602 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $225,000 | 6,567 |
| Income before extraordinary items | $344,000 | 8,042 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $344,000 | 8,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,640 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $339,520 | 8,034 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,382,000 | 6,496 |
| Total interest expense | $2,382,000 | 5,703 |
| Net interest income | $2,000,000 | 7,147 |
| Provision for loan and lease losses | $182,000 | 3,615 |
| Total noninterest income | $248,000 | 7,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $248,000 | 4,559 |
| Total noninterest expense | $2,140,000 | 5,650 |
| Salaries and employee benefits | $917,000 | 6,386 |
| Premises and equipment expense | $520,000 | 3,659 |
| Additional noninterest expense | $703,000 | 5,733 |
| Pre-tax net operating income | $-74,000 | 10,923 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $-46,000 | 11,064 |
| Income before extraordinary items | $-21,000 | 10,878 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-21,000 | 10,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-25,480 | 10,840 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,375,000 | 6,593 |
| Total interest expense | $2,488,000 | 5,592 |
| Net interest income | $1,887,000 | 7,558 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $172,000 | 8,929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $172,000 | 5,579 |
| Total noninterest expense | $1,804,000 | 6,446 |
| Salaries and employee benefits | $862,000 | 6,748 |
| Premises and equipment expense | $410,000 | 4,442 |
| Additional noninterest expense | $532,000 | 7,016 |
| Pre-tax net operating income | $219,000 | 10,332 |
| Securities gains (losses) | $40,000 | 1,447 |
| Applicable income taxes | $90,000 | 9,389 |
| Income before extraordinary items | $169,000 | 10,279 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $169,000 | 10,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $76,000 | 7,251 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $143,000 | 10,496 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 6,930 |
| Total interest expense | $1,800,000 | 6,074 |
| Net interest income | $2,022,000 | 7,515 |
| Provision for loan and lease losses | $132,000 | 3,859 |
| Total noninterest income | $146,000 | 9,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $146,000 | 6,278 |
| Total noninterest expense | $1,534,000 | 7,496 |
| Salaries and employee benefits | $678,000 | 8,042 |
| Premises and equipment expense | $303,000 | 5,674 |
| Additional noninterest expense | $553,000 | 7,398 |
| Pre-tax net operating income | $502,000 | 8,640 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $166,000 | 8,002 |
| Income before extraordinary items | $357,000 | 8,579 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $357,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $72,000 | 7,492 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 880 |
| Net operating income | $342,720 | 8,759 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,322,000 | 7,801 |
| Total interest expense | $1,714,000 | 6,582 |
| Net interest income | $1,608,000 | 8,775 |
| Provision for loan and lease losses | $33,000 | 8,295 |
| Total noninterest income | $128,000 | 10,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $1,282,000 | 8,573 |
| Salaries and employee benefits | $657,000 | 8,325 |
| Premises and equipment expense | $267,000 | 6,383 |
| Additional noninterest expense | $358,000 | 9,755 |
| Pre-tax net operating income | $421,000 | 9,254 |
| Securities gains (losses) | $97,000 | 2,547 |
| Applicable income taxes | $145,000 | 8,762 |
| Income before extraordinary items | $373,000 | 8,708 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $373,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 463 |
| Net operating income | $303,160 | 9,191 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,189,000 | 8,653 |
| Total interest expense | $1,618,000 | 8,142 |
| Net interest income | $1,571,000 | 9,046 |
| Provision for loan and lease losses | $97,000 | 7,370 |
| Total noninterest income | $137,000 | 10,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $137,000 | 6,960 |
| Total noninterest expense | $1,035,000 | 9,830 |
| Salaries and employee benefits | $507,000 | 9,719 |
| Premises and equipment expense | $201,000 | 7,807 |
| Additional noninterest expense | $327,000 | 10,471 |
| Pre-tax net operating income | $576,000 | 7,886 |
| Securities gains (losses) | $-5,000 | 13,085 |
| Applicable income taxes | $212,000 | 7,328 |
| Income before extraordinary items | $359,000 | 8,627 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $359,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $362,200 | 8,233 |
* 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.