Home > Premier National Bank of Dalton > Income and Expense
Premier National Bank of Dalton, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,502,000 | 4,839 |
| Total interest expense | $2,299,000 | 4,373 |
| Net interest income | $3,203,000 | 5,077 |
| Provision for loan and lease losses | $273,000 | 3,668 |
| Total noninterest income | $498,000 | 5,231 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $330,000 | 4,021 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $168,000 | 5,360 |
| Total noninterest expense | $2,854,000 | 4,625 |
| Salaries and employee benefits | $1,410,000 | 4,911 |
| Premises and equipment expense | $445,000 | 4,295 |
| Additional noninterest expense | $999,000 | 4,188 |
| Pre-tax net operating income | $574,000 | 6,506 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $196,000 | 5,150 |
| Income before extraordinary items | $381,000 | 6,929 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $381,000 | 6,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,377 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $379,020 | 6,814 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 5,167 |
| Total interest expense | $2,972,000 | 4,767 |
| Net interest income | $2,724,000 | 5,413 |
| Provision for loan and lease losses | $468,000 | 2,335 |
| Total noninterest income | $115,000 | 8,307 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $266,000 | 4,472 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-151,000 | 9,614 |
| Total noninterest expense | $2,677,000 | 4,729 |
| Salaries and employee benefits | $1,310,000 | 5,001 |
| Premises and equipment expense | $403,000 | 4,581 |
| Additional noninterest expense | $964,000 | 4,190 |
| Pre-tax net operating income | $-306,000 | 9,041 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-104,000 | 9,266 |
| Income before extraordinary items | $-202,000 | 9,049 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-202,000 | 9,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,714 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-202,000 | 8,996 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,811,000 | 5,883 |
| Total interest expense | $2,314,000 | 5,815 |
| Net interest income | $2,497,000 | 5,808 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $325,000 | 6,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,206 |
| Total noninterest expense | $1,940,000 | 5,782 |
| Salaries and employee benefits | $1,027,000 | 5,807 |
| Premises and equipment expense | $217,000 | 6,509 |
| Additional noninterest expense | $696,000 | 5,201 |
| Pre-tax net operating income | $642,000 | 6,432 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $216,000 | 5,251 |
| Income before extraordinary items | $426,000 | 6,699 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $426,000 | 6,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,920 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $426,000 | 6,712 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 6,561 |
| Total interest expense | $1,717,000 | 6,508 |
| Net interest income | $2,041,000 | 6,573 |
| Provision for loan and lease losses | $208,000 | 3,472 |
| Total noninterest income | $369,000 | 5,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,045 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $1,684,000 | 6,335 |
| Salaries and employee benefits | $928,000 | 6,189 |
| Premises and equipment expense | $217,000 | 6,545 |
| Additional noninterest expense | $539,000 | 6,227 |
| Pre-tax net operating income | $518,000 | 7,062 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-220,000 | 10,045 |
| Income before extraordinary items | $738,000 | 5,317 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $738,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,174 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $738,000 | 5,282 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,942,000 | 7,603 |
| Total interest expense | $1,414,000 | 7,392 |
| Net interest income | $1,528,000 | 7,630 |
| Provision for loan and lease losses | $156,000 | 4,068 |
| Total noninterest income | $272,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,944 |
| Total noninterest expense | $1,700,000 | 6,231 |
| Salaries and employee benefits | $898,000 | 6,218 |
| Premises and equipment expense | $191,000 | 6,852 |
| Additional noninterest expense | $611,000 | 5,688 |
| Pre-tax net operating income | $-56,000 | 9,874 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-53,000 | 9,908 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-53,000 | 9,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,959 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-56,000 | 9,870 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 9,459 |
| Total interest expense | $699,000 | 9,547 |
| Net interest income | $975,000 | 9,245 |
| Provision for loan and lease losses | $248,000 | 2,967 |
| Total noninterest income | $129,000 | 8,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,389 |
| Total noninterest expense | $1,527,000 | 6,724 |
| Salaries and employee benefits | $811,000 | 6,726 |
| Premises and equipment expense | $155,000 | 7,697 |
| Additional noninterest expense | $561,000 | 6,044 |
| Pre-tax net operating income | $-671,000 | 10,792 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-671,000 | 10,801 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-671,000 | 10,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-671,000 | 10,789 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $86,000 | 11,421 |
| Total interest expense | $21,000 | 11,398 |
| Net interest income | $65,000 | 11,416 |
| Provision for loan and lease losses | $14,000 | 8,292 |
| Total noninterest income | $6,000 | 11,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $427,000 | 10,878 |
| Salaries and employee benefits | $250,000 | 10,717 |
| Premises and equipment expense | $29,000 | 11,154 |
| Additional noninterest expense | $148,000 | 10,565 |
| Pre-tax net operating income | $-370,000 | 11,177 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-370,000 | 11,221 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-370,000 | 11,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $6,728,000 | 93 |
| Net operating income | $-370,000 | 11,192 |
* 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.