Home > The First National Bank of Opelika > Income and Expense
The First National Bank of Opelika, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,378,000 | 3,115 |
| Total interest expense | $5,501,000 | 2,723 |
| Net interest income | $4,877,000 | 3,571 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $575,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $398,000 | 3,235 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $177,000 | 5,246 |
| Total noninterest expense | $3,527,000 | 3,582 |
| Salaries and employee benefits | $1,953,000 | 3,391 |
| Premises and equipment expense | $603,000 | 3,139 |
| Additional noninterest expense | $971,000 | 4,014 |
| Pre-tax net operating income | $1,730,000 | 3,984 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $419,000 | 4,740 |
| Income before extraordinary items | $1,323,000 | 3,746 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,323,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,318 |
| Cash dividends | $386,000 | 4,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,313,880 | 3,698 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,905,000 | 3,308 |
| Total interest expense | $5,435,000 | 2,803 |
| Net interest income | $4,470,000 | 3,912 |
| Provision for loan and lease losses | $212,000 | 3,286 |
| Total noninterest income | $539,000 | 4,909 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $376,000 | 3,519 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $3,353,000 | 3,939 |
| Salaries and employee benefits | $1,927,000 | 3,451 |
| Premises and equipment expense | $515,000 | 3,685 |
| Additional noninterest expense | $911,000 | 4,711 |
| Pre-tax net operating income | $1,444,000 | 4,482 |
| Securities gains (losses) | $198,000 | 700 |
| Applicable income taxes | $330,000 | 5,524 |
| Income before extraordinary items | $1,312,000 | 3,610 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,312,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,153,600 | 3,949 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,700,000 | 3,730 |
| Total interest expense | $4,941,000 | 3,060 |
| Net interest income | $3,759,000 | 4,559 |
| Provision for loan and lease losses | $131,000 | 3,921 |
| Total noninterest income | $471,000 | 5,396 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $363,000 | 3,649 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $108,000 | 6,996 |
| Total noninterest expense | $3,111,000 | 4,150 |
| Salaries and employee benefits | $1,710,000 | 3,806 |
| Premises and equipment expense | $478,000 | 3,898 |
| Additional noninterest expense | $923,000 | 4,663 |
| Pre-tax net operating income | $988,000 | 6,043 |
| Securities gains (losses) | $61,000 | 1,185 |
| Applicable income taxes | $211,000 | 7,247 |
| Income before extraordinary items | $838,000 | 5,267 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $838,000 | 5,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,622 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $789,200 | 5,477 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,699,000 | 3,871 |
| Total interest expense | $3,924,000 | 3,105 |
| Net interest income | $3,775,000 | 4,611 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $449,000 | 5,696 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $344,000 | 3,900 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $105,000 | 7,360 |
| Total noninterest expense | $2,967,000 | 4,463 |
| Salaries and employee benefits | $1,554,000 | 4,151 |
| Premises and equipment expense | $457,000 | 4,103 |
| Additional noninterest expense | $956,000 | 4,901 |
| Pre-tax net operating income | $1,117,000 | 5,508 |
| Securities gains (losses) | $-54,000 | 11,090 |
| Applicable income taxes | $207,000 | 7,228 |
| Income before extraordinary items | $856,000 | 5,091 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $856,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,982 |
| Cash dividends | $358,000 | 4,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $899,740 | 4,980 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,527,000 | 4,034 |
| Total interest expense | $3,883,000 | 3,245 |
| Net interest income | $3,644,000 | 4,784 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $464,000 | 5,876 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $331,000 | 4,067 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $133,000 | 6,953 |
| Total noninterest expense | $2,938,000 | 4,601 |
| Salaries and employee benefits | $1,423,000 | 4,485 |
| Premises and equipment expense | $376,000 | 4,957 |
| Additional noninterest expense | $1,139,000 | 4,401 |
| Pre-tax net operating income | $1,040,000 | 5,740 |
| Securities gains (losses) | $100,000 | 2,512 |
| Applicable income taxes | $203,000 | 7,553 |
| Income before extraordinary items | $937,000 | 4,938 |
| Extraordinary gains, net | $48,000 | 2,206 |
| Net income | $985,000 | 4,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,894 |
| Cash dividends | $358,000 | 3,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $855,000 | 5,070 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,759,000 | 4,404 |
| Total interest expense | $4,271,000 | 3,833 |
| Net interest income | $3,488,000 | 5,028 |
| Provision for loan and lease losses | $403,000 | 3,441 |
| Total noninterest income | $431,000 | 6,254 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $336,000 | 4,066 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $95,000 | 8,250 |
| Total noninterest expense | $2,341,000 | 5,607 |
| Salaries and employee benefits | $1,210,000 | 5,119 |
| Premises and equipment expense | $347,000 | 5,405 |
| Additional noninterest expense | $784,000 | 6,171 |
| Pre-tax net operating income | $1,175,000 | 4,999 |
| Securities gains (losses) | $121,000 | 2,709 |
| Applicable income taxes | $285,000 | 6,142 |
| Income before extraordinary items | $1,011,000 | 4,451 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,011,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 4,775 |
| Cash dividends | $365,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $916,620 | 4,541 |
* 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.