Home > First Bank of Frederick > Income and Expense
First Bank of Frederick, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,155,000 | 3,485 |
| Total interest expense | $4,018,000 | 3,671 |
| Net interest income | $5,137,000 | 3,299 |
| Provision for loan and lease losses | $327,000 | 2,425 |
| Total noninterest income | $698,000 | 3,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $422,000 | 2,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,198 |
| Total noninterest expense | $3,579,000 | 3,542 |
| Salaries and employee benefits | $1,590,000 | 4,060 |
| Premises and equipment expense | $874,000 | 2,230 |
| Additional noninterest expense | $1,115,000 | 3,585 |
| Pre-tax net operating income | $1,929,000 | 3,435 |
| Securities gains (losses) | $39,000 | 1,926 |
| Applicable income taxes | $565,000 | 3,555 |
| Income before extraordinary items | $1,403,000 | 3,434 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,403,000 | 3,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,465 |
| Cash dividends | $1,266,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,375,310 | 3,403 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,142,000 | 3,911 |
| Total interest expense | $3,460,000 | 4,174 |
| Net interest income | $4,682,000 | 3,700 |
| Provision for loan and lease losses | $284,000 | 2,742 |
| Total noninterest income | $527,000 | 4,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 3,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 4,932 |
| Total noninterest expense | $3,120,000 | 3,971 |
| Salaries and employee benefits | $1,475,000 | 4,319 |
| Premises and equipment expense | $721,000 | 2,665 |
| Additional noninterest expense | $924,000 | 4,204 |
| Pre-tax net operating income | $1,805,000 | 3,852 |
| Securities gains (losses) | $-64,000 | 10,692 |
| Applicable income taxes | $653,000 | 3,441 |
| Income before extraordinary items | $1,088,000 | 4,403 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,088,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,604 |
| Cash dividends | $486,000 | 3,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,128,960 | 4,209 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,966,000 | 4,595 |
| Total interest expense | $2,925,000 | 4,885 |
| Net interest income | $4,041,000 | 4,279 |
| Provision for loan and lease losses | $275,000 | 2,762 |
| Total noninterest income | $468,000 | 5,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,500 |
| Total noninterest expense | $2,893,000 | 4,415 |
| Salaries and employee benefits | $1,251,000 | 5,014 |
| Premises and equipment expense | $598,000 | 3,226 |
| Additional noninterest expense | $1,044,000 | 4,257 |
| Pre-tax net operating income | $1,341,000 | 4,735 |
| Securities gains (losses) | $-20,000 | 10,629 |
| Applicable income taxes | $465,000 | 4,391 |
| Income before extraordinary items | $856,000 | 5,050 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $856,000 | 5,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,730 |
| Cash dividends | $149,000 | 6,087 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 717 |
| Net operating income | $869,000 | 4,941 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,974,000 | 5,223 |
| Total interest expense | $2,758,000 | 5,130 |
| Net interest income | $3,216,000 | 5,205 |
| Provision for loan and lease losses | $245,000 | 2,607 |
| Total noninterest income | $390,000 | 6,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,723 |
| Total noninterest expense | $2,570,000 | 4,879 |
| Salaries and employee benefits | $1,180,000 | 5,285 |
| Premises and equipment expense | $545,000 | 3,488 |
| Additional noninterest expense | $845,000 | 5,020 |
| Pre-tax net operating income | $791,000 | 6,874 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $310,000 | 5,878 |
| Income before extraordinary items | $467,000 | 7,504 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $467,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 709 |
| Net operating income | $475,960 | 7,404 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,753,000 | 5,900 |
| Total interest expense | $2,006,000 | 5,601 |
| Net interest income | $2,747,000 | 6,012 |
| Provision for loan and lease losses | $282,000 | 2,389 |
| Total noninterest income | $295,000 | 7,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $2,436,000 | 5,271 |
| Salaries and employee benefits | $1,087,000 | 5,691 |
| Premises and equipment expense | $507,000 | 3,756 |
| Additional noninterest expense | $842,000 | 5,463 |
| Pre-tax net operating income | $324,000 | 9,954 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $5,000 | 11,491 |
| Income before extraordinary items | $322,000 | 8,914 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $322,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,531 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $319,060 | 9,008 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,290,000 | 7,862 |
| Total interest expense | $1,455,000 | 7,356 |
| Net interest income | $1,835,000 | 8,150 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $181,000 | 9,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $1,818,000 | 6,826 |
| Salaries and employee benefits | $790,000 | 7,386 |
| Premises and equipment expense | $382,000 | 4,901 |
| Additional noninterest expense | $646,000 | 6,962 |
| Pre-tax net operating income | $-42,000 | 12,524 |
| Securities gains (losses) | $-29,000 | 12,991 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-71,000 | 12,636 |
| Extraordinary gains, net | $80,000 | 1,785 |
| Net income | $9,000 | 12,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 6,359 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-42,000 | 12,496 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,386,000 | 10,120 |
| Total interest expense | $1,197,000 | 9,615 |
| Net interest income | $1,189,000 | 10,363 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $106,000 | 11,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 9,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $1,204,000 | 9,015 |
| Salaries and employee benefits | $514,000 | 9,638 |
| Premises and equipment expense | $277,000 | 6,329 |
| Additional noninterest expense | $413,000 | 9,411 |
| Pre-tax net operating income | $17,000 | 12,609 |
| Securities gains (losses) | $173,000 | 2,228 |
| Applicable income taxes | $57,000 | 11,058 |
| Income before extraordinary items | $133,000 | 11,504 |
| Extraordinary gains, net | $57,000 | 951 |
| Net income | $190,000 | 10,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $11,900 | 12,595 |
* 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.