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This excerpt taken from the FFBH 10-Q filed May 15, 2009. Noninterest Income.
The decrease in other noninterest income for the three month
comparative period in 2009 was primarily due to $1.2 million in nonrecurring
earnings on life insurance policies due to a death benefit claim recorded
during the quarter ended March 31, 2008.
This excerpt taken from the FFBH 10-Q filed Oct 31, 2008. Noninterest
Income. The
increase in the three month comparative period in 2008 was primarily related to
deposit fee income due to an increased checking account fee structure put in
place during the second quarter of 2008. The increase in other noninterest
income for the nine month comparative period in 2008 was primarily due to a
$1.2 million increase in earnings on life insurance policies due to a death
benefit claim recorded during the first quarter in 2008.
This excerpt taken from the FFBH 10-Q filed Jul 31, 2008. Noninterest Income. The increase in other noninterest income for
the six month comparative period in 2008 was primarily due to a $1.2 million
increase in earnings on life insurance policies due to a death benefit claim
recorded during the first quarter in 2008.
This excerpt taken from the FFBH 10-Q filed May 2, 2008. Noninterest Income.
The increase in other noninterest income for the three month
comparative period in 2008 was primarily due to a $1.2 million increase in
earnings on life insurance policies due to a death benefit claim recorded
during the quarter ended March 31, 2008.
This excerpt taken from the FFBH 10-Q filed Nov 5, 2007. Noninterest Income. Deposit fee income increased for the nine
month comparative period in 2007 as a result of an increase in debit card usage
and insufficient funds fee income. This increase resulted from an increase in
the number of checking accounts with overdrawn balances and a 4.2% increase in
the per item charge that was effective February 1, 2007. The Bank plans to continue
to aggressively promote
19
checking accounts in 2007 through direct mail campaigns and offering thank you gifts to further expand its checking accounts and increase deposit fee income.
The decreases in gains on sales of loans for the three and nine month comparative periods ended September 30, 2007 were primarily related to a decrease in the number of loans sold.
The decrease in other noninterest income for the nine month comparative period ended September 30, 2007 was primarily due to nonrecurring gains on the sales of two properties totaling approximately $528,000 during the quarter ended March 31, 2006. These properties represented excess land and a building adjacent to two existing branches.
This excerpt taken from the FFBH 10-Q filed Jul 31, 2007. Noninterest
Income. Deposit fee
income increased for the three and six month comparative periods in 2007 as a
result of an increase in debit/credit card usage and insufficient funds fee
income. This increase resulted from an
increase in the number of checking accounts with overdrawn balances and a 4.2%
increase in the per item charge that was effective February 1, 2007. The Bank plans to continue to aggressively
promote checking accounts in 2007 through direct mail campaigns and offering thank
you gifts to further expand its checking accounts and increase deposit fee
income.
The decrease in gains on sales of loans for the three and six month comparative periods ended June 30, 2007 was primarily related to a decrease in the number of loans sold. 18 The decrease in other noninterest income for the six month comparative period ended June 30, 2007 was primarily due to nonrecurring gains on the sales of two properties totaling approximately $528,000 during the quarter ended March 31, 2006. These properties represented excess land and a building adjacent to two existing branches. This excerpt taken from the FFBH 10-Q filed May 10, 2007. Noninterest
Income. Deposit fee
income increased for the three month comparative period in 2007 as a result of
an increase in insufficient funds fee income.
This increase resulted from an increase in the number of checking
accounts with overdrawn balances and a 4.2% increase in the per item charge
that was effective February 1, 2007. The
Bank plans to continue to aggressively promote checking accounts in 2007
through direct mail campaigns and offering thank you gifts to further expand
its checking accounts and increase deposit fee income.
18
The decrease in other noninterest income for the three month comparative period in 2007 was primarily due to nonrecurring gains on the sales of two properties totaling approximately $528,000 during the quarter ended March 31, 2006. These properties represented excess land and a building adjacent to two existing branches. This excerpt taken from the FFBH 10-Q filed Oct 30, 2006. Noninterest
Income. Deposit fee
income increased for both the three and nine month comparative periods as a
result of the Banks continued promotion of Bounce ProtectionTM overdraft service as well as an increase in the number of
checking accounts. The number of
checking accounts increased approximately 4.3% from September 30, 2005 to
September 30, 2006. The Bank will
continue to aggressively promote checking accounts through direct mail
campaigns to expand its checking accounts and increase deposit fee income.
Gain on sale of loans increased for the three and nine month comparative period due to an increase in volume of loans sold. The increase in other noninterest income for the nine month comparative period was primarily due to nonrecurring gains on the sales of two properties totaling approximately $528,000 during the first quarter of 2006. These properties represented excess land and a building adjacent to two existing branches. 17 This excerpt taken from the FFBH 10-Q filed Aug 7, 2006. Noninterest Income. Deposit fee income increased for
both the three and six month comparative periods as a result of the Banks
continued promotion of Bounce ProtectionTM overdraft service as well as an increase in the
number of checking accounts. The number
of checking accounts increased approximately 5.6% from June 30, 2005 to June
30, 2006. The Bank plans to continue to
aggressively promote checking accounts in 2006 through direct mail campaigns to
expand its checking accounts and increase deposit fee income.
Gain on sale of loans increased for the three and six month comparative period due to an increase in volume of loans sold. The increase in other noninterest income for the six month comparative period was primarily due to nonrecurring gains on the sales of two properties totaling approximately $528,000 during the first quarter. These properties represented excess land and a building adjacent to two existing branches. 17 This excerpt taken from the FFBH 10-Q filed May 3, 2006. Noninterest
Income. Deposit fee income increased for
the three month comparative period as a result of the Banks continued
promotion of Bounce ProtectionTM overdraft service as well as an increase in the
number of checking accounts. The number
of checking accounts increased approximately 1.9% from March 31, 2005 to March
31, 2006. The Bank plans to continue to
aggressively promote checking accounts in 2006 through direct mail campaigns to
expand its checking accounts and increase deposit fee income.
Gain on sale of loans increased for the three month comparative period due to an increase in volume of loans sold in the first quarter.
The increase in other noninterest income for the three month comparative period was primarily due to gains on the sales of two properties totaling approximately $528,000. These properties represented excess land and a building adjacent to two existing branches.
15
This excerpt taken from the FFBH 10-Q filed Nov 9, 2005. Noninterest Income. Deposit fee income
increased for both the three and nine month comparative periods as a result of
the Banks continued promotion of Bounce
ProtectionTM overdraft service as well as an increase in the
number of checking accounts. The number
of checking accounts increased approximately 6.4% from September 30, 2004 to
September 30, 2005. The Bank plans to
continue to aggressively promote checking accounts in 2005 through direct mail
campaigns to expand its checking accounts and increase deposit fee income.
Gain on sale of loans increased for both the three and nine month comparative periods due to an increase in volume of loans sold in the third quarter.
The decrease in other noninterest income for the nine month comparative period was primarily due to a decrease in loan fees collected.
16
This excerpt taken from the FFBH 10-Q filed Aug 8, 2005. Noninterest Income. Deposit fee income increased for both the
three and six month comparative periods as a result of the Banks continued
promotion of Bounce ProtectionTM overdraft service as well as an
increase in the number of checking accounts.
The number of checking accounts increased approximately 6.6% from June 30,
2004 to June 30, 2005. The Bank
plans to continue to aggressively promote checking accounts in 2005 through
direct mail campaigns to expand its checking accounts and increase deposit fee
income.
The decreases in other noninterest income for both the three and six month comparative periods were primarily due to a decrease in loan fees collected.
17
This excerpt taken from the FFBH 10-Q filed May 3, 2005. Noninterest
Income. Deposit fee income increased as a result of
the Banks continued promotion of Bounce ProtectionTM overdraft
service as well as an increase
in the number of checking accounts and a change in the insufficient funds fee
structure. The number of checking
accounts increased approximately 9.6% from March 31, 2004 to March 31,
2005. The Bank plans to continue to
aggressively promote checking accounts in 2005 through direct mail campaigns to
further expand its checking accounts and increase deposit fee income.
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