Home > First Bank and Trust > Income and Expense
First Bank and Trust, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,990,000 | 5,684 |
| Total interest expense | $1,607,000 | 6,959 |
| Net interest income | $3,383,000 | 4,714 |
| Provision for loan and lease losses | $-24,000 | 10,245 |
| Total noninterest income | $1,226,000 | 2,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $777,000 | 1,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $449,000 | 3,194 |
| Total noninterest expense | $3,096,000 | 4,004 |
| Salaries and employee benefits | $1,632,000 | 3,976 |
| Premises and equipment expense | $575,000 | 3,293 |
| Additional noninterest expense | $889,000 | 4,332 |
| Pre-tax net operating income | $1,537,000 | 4,109 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $489,000 | 3,902 |
| Income before extraordinary items | $1,048,000 | 4,340 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,048,000 | 4,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $585,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,048,000 | 4,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,986,000 | 5,812 |
| Total interest expense | $1,514,000 | 7,317 |
| Net interest income | $3,472,000 | 4,759 |
| Provision for loan and lease losses | $-136,000 | 10,805 |
| Total noninterest income | $1,110,000 | 2,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $772,000 | 1,679 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,661 |
| Total noninterest expense | $2,898,000 | 4,212 |
| Salaries and employee benefits | $1,447,000 | 4,378 |
| Premises and equipment expense | $524,000 | 3,562 |
| Additional noninterest expense | $927,000 | 4,195 |
| Pre-tax net operating income | $1,820,000 | 3,827 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $606,000 | 3,635 |
| Income before extraordinary items | $1,216,000 | 4,005 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,216,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-117,000 | 10,738 |
| Cash dividends | $630,000 | 2,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,214,660 | 3,939 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,021,000 | 5,909 |
| Total interest expense | $1,584,000 | 7,367 |
| Net interest income | $3,437,000 | 4,893 |
| Provision for loan and lease losses | $-36,000 | 11,169 |
| Total noninterest income | $1,141,000 | 2,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $867,000 | 1,540 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $274,000 | 4,293 |
| Total noninterest expense | $2,678,000 | 4,741 |
| Salaries and employee benefits | $1,366,000 | 4,674 |
| Premises and equipment expense | $490,000 | 3,839 |
| Additional noninterest expense | $822,000 | 5,108 |
| Pre-tax net operating income | $1,936,000 | 3,495 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $620,000 | 3,492 |
| Income before extraordinary items | $1,319,000 | 3,586 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,319,000 | 3,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,927 |
| Cash dividends | $615,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,316,960 | 3,543 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,053,000 | 5,941 |
| Total interest expense | $1,678,000 | 7,194 |
| Net interest income | $3,375,000 | 5,007 |
| Provision for loan and lease losses | $-35,000 | 11,544 |
| Total noninterest income | $989,000 | 3,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $805,000 | 1,676 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,355 |
| Total noninterest expense | $2,660,000 | 4,729 |
| Salaries and employee benefits | $1,311,000 | 4,826 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $883,000 | 4,849 |
| Pre-tax net operating income | $1,739,000 | 3,955 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $579,000 | 3,750 |
| Income before extraordinary items | $1,162,000 | 4,066 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,162,000 | 4,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 11,537 |
| Cash dividends | $593,000 | 3,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,160,660 | 4,050 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 6,190 |
| Total interest expense | $1,323,000 | 7,476 |
| Net interest income | $3,130,000 | 5,434 |
| Provision for loan and lease losses | $-4,000 | 11,707 |
| Total noninterest income | $927,000 | 3,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $768,000 | 1,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,034 |
| Total noninterest expense | $2,438,000 | 5,267 |
| Salaries and employee benefits | $1,175,000 | 5,343 |
| Premises and equipment expense | $429,000 | 4,328 |
| Additional noninterest expense | $834,000 | 5,510 |
| Pre-tax net operating income | $1,623,000 | 4,121 |
| Securities gains (losses) | $22,000 | 1,687 |
| Applicable income taxes | $554,000 | 3,745 |
| Income before extraordinary items | $1,091,000 | 4,212 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,091,000 | 4,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,674 |
| Cash dividends | $236,000 | 5,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,076,480 | 4,306 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,298,000 | 6,524 |
| Total interest expense | $1,378,000 | 7,622 |
| Net interest income | $2,920,000 | 5,769 |
| Provision for loan and lease losses | $-244,000 | 13,075 |
| Total noninterest income | $903,000 | 3,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $761,000 | 1,801 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,740 |
| Total noninterest expense | $2,400,000 | 5,445 |
| Salaries and employee benefits | $1,137,000 | 5,483 |
| Premises and equipment expense | $337,000 | 5,376 |
| Additional noninterest expense | $926,000 | 5,250 |
| Pre-tax net operating income | $1,667,000 | 3,937 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $532,000 | 3,966 |
| Income before extraordinary items | $1,135,000 | 4,218 |
| Extraordinary gains, net | $122,000 | 1,411 |
| Net income | $1,257,000 | 3,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 13,018 |
| Cash dividends | $672,000 | 2,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,135,000 | 4,002 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 6,572 |
| Total interest expense | $1,959,000 | 7,201 |
| Net interest income | $2,839,000 | 5,988 |
| Provision for loan and lease losses | $-92,000 | 13,696 |
| Total noninterest income | $948,000 | 3,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $774,000 | 1,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $2,308,000 | 5,670 |
| Salaries and employee benefits | $1,041,000 | 5,814 |
| Premises and equipment expense | $276,000 | 6,348 |
| Additional noninterest expense | $991,000 | 5,086 |
| Pre-tax net operating income | $1,571,000 | 3,875 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $22,000 | 12,047 |
| Income before extraordinary items | $1,549,000 | 2,983 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,549,000 | 3,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,549,000 | 2,757 |
* 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.