Home > First Bank and Trust > Income and Expense

First Bank and Trust, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$32,861,000	1,001
Total interest expense	$15,380,000	1,028
Net interest income	$17,481,000	963
Provision for loan and lease losses	$10,000	8,212
Total noninterest income	$6,839,000	759
Gross Fiduciary activities income	$145,000	939
Service charges on deposit accounts	$5,415,000	257
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,279,000	1,559
Total noninterest expense	$17,733,000	818
Salaries and employee benefits	$8,337,000	794
Premises and equipment expense	$2,926,000	705
Additional noninterest expense	$6,470,000	804
Pre-tax net operating income	$6,577,000	1,138
Securities gains (losses)	$0	4,449
Applicable income taxes	$2,158,000	1,169
Income before extraordinary items	$4,419,000	1,208
Extraordinary gains, net	$-9,000	10,402
Net income	$4,410,000	1,209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$287,000	1,921
Cash dividends	$7,163,000	496
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$4,419,000	1,172
1997-12-31 (YTD Data)		Rank
Total interest income	$27,441,000	1,216
Total interest expense	$12,574,000	1,267
Net interest income	$14,867,000	1,181
Provision for loan and lease losses	$-156,000	10,813
Total noninterest income	$4,523,000	992
Gross Fiduciary activities income	$242,000	857
Service charges on deposit accounts	$2,564,000	516
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,717,000	1,213
Total noninterest expense	$13,702,000	999
Salaries and employee benefits	$6,602,000	1,005
Premises and equipment expense	$2,399,000	841
Additional noninterest expense	$4,701,000	1,017
Pre-tax net operating income	$5,844,000	1,324
Securities gains (losses)	$0	3,944
Applicable income taxes	$2,067,000	1,281
Income before extraordinary items	$3,777,000	1,436
Extraordinary gains, net	$0	44
Net income	$3,777,000	1,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-521,000	10,883
Cash dividends	$1,030,000	2,111
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,777,000	1,400
1996-12-31 (YTD Data)		Rank
Total interest income	$1,658,000	9,878
Total interest expense	$661,000	10,090
Net interest income	$997,000	9,563
Provision for loan and lease losses	$44,000	6,866
Total noninterest income	$281,000	7,179
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$257,000	4,730
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$849,000	9,248
Salaries and employee benefits	$358,000	9,908
Premises and equipment expense	$109,000	9,055
Additional noninterest expense	$382,000	8,031
Pre-tax net operating income	$385,000	8,604
Securities gains (losses)	$0	4,148
Applicable income taxes	$130,000	8,215
Income before extraordinary items	$255,000	8,792
Extraordinary gains, net	$0	53
Net income	$255,000	8,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,188
Cash dividends	$270,000	4,778
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$255,000	8,732
1995-12-31 (YTD Data)		Rank
Total interest income	$1,512,000	10,503
Total interest expense	$559,000	10,815
Net interest income	$953,000	10,069
Provision for loan and lease losses	$11,000	8,279
Total noninterest income	$300,000	7,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$258,000	4,827
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,621
Total noninterest expense	$890,000	9,389
Salaries and employee benefits	$356,000	10,285
Premises and equipment expense	$109,000	9,346
Additional noninterest expense	$425,000	7,953
Pre-tax net operating income	$352,000	9,371
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$104,000	9,095
Income before extraordinary items	$253,000	9,382
Extraordinary gains, net	$0	65
Net income	$253,000	9,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,709
Cash dividends	$25,000	8,267
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$249,450	9,401
1994-12-31 (YTD Data)		Rank
Total interest income	$1,207,000	11,339
Total interest expense	$384,000	11,671
Net interest income	$823,000	10,969
Provision for loan and lease losses	$0	9,146
Total noninterest income	$281,000	7,510
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$255,000	4,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,043
Total noninterest expense	$854,000	9,983
Salaries and employee benefits	$347,000	10,772
Premises and equipment expense	$102,000	9,964
Additional noninterest expense	$405,000	8,786
Pre-tax net operating income	$250,000	10,486
Securities gains (losses)	$0	3,600
Applicable income taxes	$69,000	10,040
Income before extraordinary items	$181,000	10,486
Extraordinary gains, net	$0	249
Net income	$181,000	10,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$25,000	8,461
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$181,000	10,528
1993-12-31 (YTD Data)		Rank
Total interest income	$1,236,000	11,812
Total interest expense	$415,000	12,153
Net interest income	$821,000	11,439
Provision for loan and lease losses	$0	10,371
Total noninterest income	$294,000	7,763
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$270,000	4,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$891,000	10,235
Salaries and employee benefits	$392,000	10,716
Premises and equipment expense	$95,000	10,609
Additional noninterest expense	$404,000	9,230
Pre-tax net operating income	$224,000	10,836
Securities gains (losses)	$0	7,477
Applicable income taxes	$53,000	10,868
Income before extraordinary items	$171,000	10,966
Extraordinary gains, net	$-47,000	12,706
Net income	$124,000	11,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	8,678
Cash dividends	$50,000	7,918
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$171,000	10,766
1992-12-31 (YTD Data)		Rank
Total interest income	$1,346,000	12,296
Total interest expense	$557,000	12,499
Net interest income	$789,000	11,955
Provision for loan and lease losses	$0	11,756
Total noninterest income	$290,000	7,859
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,916
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	12,163
Total noninterest expense	$867,000	10,676
Salaries and employee benefits	$360,000	11,340
Premises and equipment expense	$103,000	10,619
Additional noninterest expense	$404,000	9,519
Pre-tax net operating income	$212,000	10,956
Securities gains (losses)	$-5,000	13,085
Applicable income taxes	$60,000	10,985
Income before extraordinary items	$147,000	11,318
Extraordinary gains, net	$23,000	1,197
Net income	$170,000	11,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$25,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$150,550	10,938

* 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.