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First Bank of Grants, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,003,0007,528
Total interest expense$1,204,0007,904
Net interest income$1,799,0007,056
Provision for loan and lease losses$177,0003,833
Total noninterest income$410,0005,531
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$271,0004,249
Trading account gains and feesNANA
Additional Noninterest Income$139,0005,872
Total noninterest expense$2,311,0005,043
Salaries and employee benefits$786,0006,747
Premises and equipment expense$188,0006,902
Additional noninterest expense$1,337,0003,059
Pre-tax net operating income$-279,00010,050
Securities gains (losses)$04,449
Applicable income taxes$-104,00010,232
Income before extraordinary items$-185,00010,035
Extraordinary gains, net$032
Net income$-185,00010,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0002,633
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-185,00010,001
1997-12-31 (YTD Data)Rank
Total interest income$3,185,0007,529
Total interest expense$1,250,0007,980
Net interest income$1,935,0007,052
Provision for loan and lease losses$25,0007,608
Total noninterest income$408,0005,662
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$313,0003,940
Trading account gains and feesNANA
Additional Noninterest Income$95,0006,917
Total noninterest expense$1,662,0006,383
Salaries and employee benefits$867,0006,455
Premises and equipment expense$189,0007,042
Additional noninterest expense$606,0005,763
Pre-tax net operating income$656,0007,180
Securities gains (losses)$03,944
Applicable income taxes$235,0006,427
Income before extraordinary items$421,0007,506
Extraordinary gains, net$044
Net income$421,0007,509
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,314
Cash dividends$194,0005,488
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$421,0007,454
1996-12-31 (YTD Data)Rank
Total interest income$3,107,0007,873
Total interest expense$1,243,0008,261
Net interest income$1,864,0007,438
Provision for loan and lease losses$09,041
Total noninterest income$409,0005,868
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$306,0004,168
Trading account gains and feesNANA
Additional Noninterest Income$103,0007,023
Total noninterest expense$1,692,0006,622
Salaries and employee benefits$783,0007,064
Premises and equipment expense$194,0007,135
Additional noninterest expense$715,0005,655
Pre-tax net operating income$581,0007,520
Securities gains (losses)$04,148
Applicable income taxes$208,0007,014
Income before extraordinary items$373,0007,839
Extraordinary gains, net$053
Net income$373,0007,837
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,797
Cash dividends$148,0006,096
Sale, conversion, retirement of capital stock, net$0953
Net operating income$373,0007,776
1995-12-31 (YTD Data)Rank
Total interest income$3,135,0008,029
Total interest expense$1,160,0008,717
Net interest income$1,975,0007,373
Provision for loan and lease losses$08,958
Total noninterest income$377,0006,200
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$289,0004,434
Trading account gains and feesNANA
Additional Noninterest Income$88,0007,639
Total noninterest expense$1,725,0006,665
Salaries and employee benefits$777,0007,228
Premises and equipment expense$199,0007,213
Additional noninterest expense$748,0005,541
Pre-tax net operating income$627,0007,722
Securities gains (losses)$03,831
Applicable income taxes$221,0007,081
Income before extraordinary items$406,0008,007
Extraordinary gains, net$065
Net income$406,0008,005
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,295
Cash dividends$135,0006,283
Sale, conversion, retirement of capital stock, net$0809
Net operating income$406,0007,968
1994-12-31 (YTD Data)Rank
Total interest income$2,693,0008,568
Total interest expense$886,0009,196
Net interest income$1,807,0008,026
Provision for loan and lease losses$09,146
Total noninterest income$447,0005,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$286,0004,544
Trading account gains and feesNANA
Additional Noninterest Income$161,0005,988
Total noninterest expense$1,730,0006,901
Salaries and employee benefits$779,0007,323
Premises and equipment expense$196,0007,517
Additional noninterest expense$755,0005,967
Pre-tax net operating income$524,0008,486
Securities gains (losses)$03,600
Applicable income taxes$178,0007,747
Income before extraordinary items$346,0008,664
Extraordinary gains, net$0249
Net income$346,0008,668
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0004,425
Cash dividends$81,0007,276
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$346,0008,724
1993-12-31 (YTD Data)Rank
Total interest income$2,453,0009,283
Total interest expense$833,0009,874
Net interest income$1,620,0008,745
Provision for loan and lease losses$50,0007,415
Total noninterest income$496,0005,638
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$301,0004,413
Trading account gains and feesNANA
Additional Noninterest Income$195,0005,748
Total noninterest expense$1,784,0006,935
Salaries and employee benefits$742,0007,699
Premises and equipment expense$258,0006,546
Additional noninterest expense$784,0006,021
Pre-tax net operating income$282,00010,380
Securities gains (losses)$07,477
Applicable income taxes$88,00010,034
Income before extraordinary items$194,00010,726
Extraordinary gains, net$03,149
Net income$194,00010,823
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$88,0004,830
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$194,00010,501
1992-12-31 (YTD Data)Rank
Total interest income$2,791,0009,347
Total interest expense$1,160,0009,757
Net interest income$1,631,0008,875
Provision for loan and lease losses$011,756
Total noninterest income$524,0005,460
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$336,0004,066
Trading account gains and feesNANA
Additional Noninterest Income$188,0005,875
Total noninterest expense$1,888,0006,689
Salaries and employee benefits$781,0007,388
Premises and equipment expense$290,0006,114
Additional noninterest expense$817,0005,965
Pre-tax net operating income$267,00010,454
Securities gains (losses)$17,0005,804
Applicable income taxes$65,00010,856
Income before extraordinary items$219,00010,332
Extraordinary gains, net$01,422
Net income$219,00010,470
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$76,0006,591
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$205,91010,177

* 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.