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First Montgomery Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$14,916,0002,256
Total interest expense$7,228,0002,160
Net interest income$7,688,0002,340
Provision for loan and lease losses$142,0004,211
Total noninterest income$1,298,0002,542
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$802,0001,660
Trading account gains and fees$0262
Additional Noninterest Income$496,0002,940
Total noninterest expense$4,801,0002,845
Salaries and employee benefits$2,480,0002,722
Premises and equipment expense$462,0004,034
Additional noninterest expense$1,859,0002,623
Pre-tax net operating income$4,043,0001,784
Securities gains (losses)$3,0003,304
Applicable income taxes$1,376,0001,739
Income before extraordinary items$2,670,0001,852
Extraordinary gains, net$053
Net income$2,670,0001,853
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,912
Cash dividends$1,775,0001,407
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,668,0201,822
1995-12-31 (YTD Data)Rank
Total interest income$14,084,0002,384
Total interest expense$6,807,0002,291
Net interest income$7,277,0002,469
Provision for loan and lease losses$87,0004,922
Total noninterest income$1,272,0002,587
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$819,0001,649
Trading account gains and fees$0522
Additional Noninterest Income$453,0003,062
Total noninterest expense$4,566,0002,948
Salaries and employee benefits$2,359,0002,829
Premises and equipment expense$439,0004,194
Additional noninterest expense$1,768,0002,666
Pre-tax net operating income$3,896,0001,905
Securities gains (losses)$03,831
Applicable income taxes$1,331,0001,832
Income before extraordinary items$2,565,0001,959
Extraordinary gains, net$065
Net income$2,565,0001,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,295
Cash dividends$925,0002,180
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,565,0001,942
1994-12-31 (YTD Data)Rank
Total interest income$11,804,0002,569
Total interest expense$4,878,0002,522
Net interest income$6,926,0002,601
Provision for loan and lease losses$120,0004,039
Total noninterest income$1,237,0002,677
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$716,0001,878
Trading account gains and fees$0475
Additional Noninterest Income$521,0002,882
Total noninterest expense$4,589,0003,003
Salaries and employee benefits$2,342,0002,826
Premises and equipment expense$417,0004,424
Additional noninterest expense$1,830,0002,785
Pre-tax net operating income$3,454,0002,058
Securities gains (losses)$1,0003,293
Applicable income taxes$1,151,0001,960
Income before extraordinary items$2,304,0002,113
Extraordinary gains, net$0249
Net income$2,304,0002,111
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,275
Cash dividends$975,0001,976
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,303,3302,137
1993-12-31 (YTD Data)Rank
Total interest income$11,519,0002,689
Total interest expense$5,068,0002,540
Net interest income$6,451,0002,805
Provision for loan and lease losses$153,0004,591
Total noninterest income$1,398,0002,583
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$734,0001,870
Trading account gains and fees$0532
Additional Noninterest Income$664,0002,688
Total noninterest expense$4,422,0003,174
Salaries and employee benefits$2,306,0002,859
Premises and equipment expense$417,0004,563
Additional noninterest expense$1,699,0003,141
Pre-tax net operating income$3,274,0002,078
Securities gains (losses)$07,477
Applicable income taxes$1,099,0002,072
Income before extraordinary items$2,175,0002,298
Extraordinary gains, net$03,149
Net income$2,175,0002,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0006,513
Cash dividends$1,300,0001,425
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,175,0002,163
1992-12-31 (YTD Data)Rank
Total interest income$10,668,0003,281
Total interest expense$4,990,0003,313
Net interest income$5,678,0003,225
Provision for loan and lease losses$223,0004,934
Total noninterest income$1,027,0003,243
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$621,0002,191
Trading account gains and fees$0504
Additional Noninterest Income$406,0003,672
Total noninterest expense$4,040,0003,467
Salaries and employee benefits$2,122,0003,045
Premises and equipment expense$409,0004,718
Additional noninterest expense$1,509,0003,578
Pre-tax net operating income$2,442,0002,550
Securities gains (losses)$37,0004,622
Applicable income taxes$890,0002,346
Income before extraordinary items$1,589,0002,894
Extraordinary gains, net$01,422
Net income$1,589,0002,930
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0006,704
Cash dividends$250,0004,445
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,565,3202,721

* 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.