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Community First National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$24,953,0001,371
Total interest expense$11,403,0001,421
Net interest income$13,550,0001,312
Provision for loan and lease losses$451,0001,885
Total noninterest income$2,166,0001,721
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,174,0001,121
Trading account gains and fees$0262
Additional Noninterest Income$992,0001,832
Total noninterest expense$7,880,0001,798
Salaries and employee benefits$3,238,0002,052
Premises and equipment expense$870,0002,271
Additional noninterest expense$3,772,0001,410
Pre-tax net operating income$7,385,0001,022
Securities gains (losses)$27,0001,767
Applicable income taxes$2,723,000948
Income before extraordinary items$4,689,0001,103
Extraordinary gains, net$053
Net income$4,689,0001,104
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$370,0001,774
Cash dividends$2,278,0001,166
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,671,7201,091
1995-12-31 (YTD Data)Rank
Total interest income$22,911,0001,494
Total interest expense$10,989,0001,481
Net interest income$11,922,0001,508
Provision for loan and lease losses$411,0001,826
Total noninterest income$1,839,0001,969
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,064,0001,265
Trading account gains and fees$0522
Additional Noninterest Income$775,0002,148
Total noninterest expense$7,370,0001,891
Salaries and employee benefits$2,907,0002,276
Premises and equipment expense$837,0002,381
Additional noninterest expense$3,626,0001,447
Pre-tax net operating income$5,979,0001,277
Securities gains (losses)$-4,0009,551
Applicable income taxes$2,355,0001,092
Income before extraordinary items$3,620,0001,437
Extraordinary gains, net$065
Net income$3,620,0001,434
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$220,0002,358
Cash dividends$3,887,000782
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,622,5601,409
1994-12-31 (YTD Data)Rank
Total interest income$10,536,0002,882
Total interest expense$4,491,0002,723
Net interest income$6,045,0002,977
Provision for loan and lease losses$245,0002,637
Total noninterest income$632,0004,473
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$406,0003,337
Trading account gains and fees$0475
Additional Noninterest Income$226,0004,871
Total noninterest expense$3,825,0003,562
Salaries and employee benefits$1,369,0004,661
Premises and equipment expense$426,0004,353
Additional noninterest expense$2,030,0002,540
Pre-tax net operating income$2,607,0002,714
Securities gains (losses)$31,0001,448
Applicable income taxes$1,119,0002,016
Income before extraordinary items$1,519,0003,141
Extraordinary gains, net$0249
Net income$1,519,0003,152
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,088
Cash dividends$1,518,0001,391
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,499,1603,205
1993-12-31 (YTD Data)Rank
Total interest income$9,819,0003,138
Total interest expense$4,552,0002,832
Net interest income$5,267,0003,403
Provision for loan and lease losses$260,0003,299
Total noninterest income$545,0005,290
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$326,0004,124
Trading account gains and fees$0532
Additional Noninterest Income$219,0005,394
Total noninterest expense$3,759,0003,684
Salaries and employee benefits$1,374,0004,640
Premises and equipment expense$445,0004,305
Additional noninterest expense$1,940,0002,807
Pre-tax net operating income$1,793,0003,688
Securities gains (losses)$283,0001,356
Applicable income taxes$976,0002,313
Income before extraordinary items$1,100,0004,323
Extraordinary gains, net$-1,00012,163
Net income$1,099,0004,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0006,359
Cash dividends$925,0001,901
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$918,8804,788
1992-12-31 (YTD Data)Rank
Total interest income$1,003,00013,019
Total interest expense$523,00012,663
Net interest income$480,00013,147
Provision for loan and lease losses$011,756
Total noninterest income$52,00013,061
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$39,00010,736
Trading account gains and fees$0504
Additional Noninterest Income$13,00013,144
Total noninterest expense$500,00012,633
Salaries and employee benefits$217,00012,972
Premises and equipment expense$83,00011,388
Additional noninterest expense$200,00012,237
Pre-tax net operating income$32,00012,523
Securities gains (losses)$08,369
Applicable income taxes$63,00010,913
Income before extraordinary items$-31,00012,965
Extraordinary gains, net$01,422
Net income$-31,00012,957
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-975,00013,926
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-31,00012,773

* 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.