Home > First National Bank > Income and Expense

First National Bank, Income and Expense

2003-03-31 (YTD Data)		Rank
Total interest income	$48,000	9,242
Total interest expense	$34,000	9,087
Net interest income	$14,000	9,279
Provision for loan and lease losses	$0	6,934
Total noninterest income	$16,000	8,775
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$11,000	7,586
Trading account gains and fees	$0	134
Additional Noninterest Income	$5,000	8,460
Total noninterest expense	$141,000	8,808
Salaries and employee benefits	$49,000	9,140
Premises and equipment expense	$47,000	6,953
Additional noninterest expense	$45,000	8,633
Pre-tax net operating income	$-111,000	8,984
Securities gains (losses)	$0	2,891
Applicable income taxes	$2,000	7,162
Income before extraordinary items	$-113,000	9,050
Extraordinary gains, net	$0	21
Net income	$-113,000	9,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-113,000	8,983
2002-12-31 (YTD Data)		Rank
Total interest income	$315,000	9,229
Total interest expense	$104,000	9,191
Net interest income	$211,000	9,231
Provision for loan and lease losses	$14,000	7,694
Total noninterest income	$78,000	8,663
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$40,000	7,685
Trading account gains and fees	$0	153
Additional Noninterest Income	$38,000	7,947
Total noninterest expense	$560,000	8,864
Salaries and employee benefits	$200,000	9,160
Premises and equipment expense	$180,000	7,029
Additional noninterest expense	$180,000	8,680
Pre-tax net operating income	$-285,000	8,878
Securities gains (losses)	$0	4,537
Applicable income taxes	$-97,000	9,060
Income before extraordinary items	$-188,000	8,899
Extraordinary gains, net	$0	70
Net income	$-188,000	8,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-188,000	8,847
2001-12-31 (YTD Data)		Rank
Total interest income	$402,000	9,467
Total interest expense	$199,000	9,391
Net interest income	$203,000	9,488
Provision for loan and lease losses	$12,000	7,834
Total noninterest income	$61,000	9,039
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$50,000	7,603
Trading account gains and fees	$0	177
Additional Noninterest Income	$11,000	9,089
Total noninterest expense	$468,000	9,241
Salaries and employee benefits	$149,000	9,490
Premises and equipment expense	$154,000	7,452
Additional noninterest expense	$165,000	8,944
Pre-tax net operating income	$-216,000	8,975
Securities gains (losses)	$0	4,612
Applicable income taxes	$-73,000	9,210
Income before extraordinary items	$-143,000	8,994
Extraordinary gains, net	$0	105
Net income	$-143,000	8,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,531
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-143,000	8,938
2000-12-31 (YTD Data)		Rank
Total interest income	$460,000	9,716
Total interest expense	$250,000	9,595
Net interest income	$210,000	9,762
Provision for loan and lease losses	$0	8,337
Total noninterest income	$48,000	9,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	7,829
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,569
Total noninterest expense	$401,000	9,597
Salaries and employee benefits	$144,000	9,765
Premises and equipment expense	$143,000	7,710
Additional noninterest expense	$114,000	9,542
Pre-tax net operating income	$-143,000	9,285
Securities gains (losses)	$0	1,956
Applicable income taxes	$-49,000	9,481
Income before extraordinary items	$-94,000	9,262
Extraordinary gains, net	$0	38
Net income	$-94,000	9,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-94,000	9,259
1999-12-31 (YTD Data)		Rank
Total interest income	$301,000	10,077
Total interest expense	$114,000	10,042
Net interest income	$187,000	10,072
Provision for loan and lease losses	$14,000	7,935
Total noninterest income	$33,000	9,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	8,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	9,728
Total noninterest expense	$377,000	9,931
Salaries and employee benefits	$153,000	10,036
Premises and equipment expense	$114,000	8,350
Additional noninterest expense	$110,000	9,850
Pre-tax net operating income	$-171,000	9,599
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$-58,000	9,851
Income before extraordinary items	$-112,000	9,588
Extraordinary gains, net	$0	35
Net income	$-112,000	9,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-112,660	9,566
1998-12-31 (YTD Data)		Rank
Total interest income	$178,000	10,368
Total interest expense	$25,000	10,376
Net interest income	$153,000	10,338
Provision for loan and lease losses	$0	8,652
Total noninterest income	$17,000	10,241
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	8,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	9,972
Total noninterest expense	$280,000	10,294
Salaries and employee benefits	$97,000	10,378
Premises and equipment expense	$89,000	8,954
Additional noninterest expense	$94,000	10,171
Pre-tax net operating income	$-110,000	9,923
Securities gains (losses)	$0	4,449
Applicable income taxes	$-37,000	10,105
Income before extraordinary items	$-73,000	9,931
Extraordinary gains, net	$0	32
Net income	$-73,000	9,929
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-73,000	9,892
1997-12-31 (YTD Data)		Rank
Total interest income	$15,853,000	2,051
Total interest expense	$7,711,000	1,992
Net interest income	$8,142,000	2,145
Provision for loan and lease losses	$140,000	4,290
Total noninterest income	$2,466,000	1,497
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$736,000	1,762
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,730,000	1,204
Total noninterest expense	$6,535,000	1,974
Salaries and employee benefits	$3,435,000	1,918
Premises and equipment expense	$1,181,000	1,659
Additional noninterest expense	$1,919,000	2,180
Pre-tax net operating income	$3,933,000	1,909
Securities gains (losses)	$21,000	1,847
Applicable income taxes	$1,032,000	2,370
Income before extraordinary items	$2,922,000	1,806
Extraordinary gains, net	$0	44
Net income	$2,922,000	1,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-491,000	10,877
Cash dividends	$2,349,000	1,138
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,906,460	1,779
1996-12-31 (YTD Data)		Rank
Total interest income	$13,843,000	2,417
Total interest expense	$6,179,000	2,483
Net interest income	$7,664,000	2,353
Provision for loan and lease losses	$200,000	3,395
Total noninterest income	$2,196,000	1,704
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$649,000	2,080
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,547,000	1,365
Total noninterest expense	$5,547,000	2,474
Salaries and employee benefits	$2,853,000	2,334
Premises and equipment expense	$1,225,000	1,658
Additional noninterest expense	$1,469,000	3,180
Pre-tax net operating income	$4,113,000	1,745
Securities gains (losses)	$-6,000	10,029
Applicable income taxes	$1,296,000	1,856
Income before extraordinary items	$2,811,000	1,758
Extraordinary gains, net	$0	53
Net income	$2,811,000	1,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$604,000	1,240
Cash dividends	$1,450,000	1,627
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,815,080	1,721
1995-12-31 (YTD Data)		Rank
Total interest income	$12,345,000	2,709
Total interest expense	$5,524,000	2,773
Net interest income	$6,821,000	2,621
Provision for loan and lease losses	$-68,000	11,640
Total noninterest income	$1,813,000	1,984
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$609,000	2,232
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,204,000	1,599
Total noninterest expense	$5,363,000	2,534
Salaries and employee benefits	$2,594,000	2,578
Premises and equipment expense	$1,188,000	1,700
Additional noninterest expense	$1,581,000	2,962
Pre-tax net operating income	$3,339,000	2,200
Securities gains (losses)	$7,000	2,620
Applicable income taxes	$999,000	2,384
Income before extraordinary items	$2,347,000	2,165
Extraordinary gains, net	$0	65
Net income	$2,347,000	2,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-110,000	11,752
Cash dividends	$4,184,000	732
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,342,100	2,124
1994-12-31 (YTD Data)		Rank
Total interest income	$10,796,000	2,818
Total interest expense	$4,103,000	2,970
Net interest income	$6,693,000	2,711
Provision for loan and lease losses	$0	9,146
Total noninterest income	$1,503,000	2,288
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$582,000	2,334
Trading account gains and fees	$0	475
Additional Noninterest Income	$921,000	1,941
Total noninterest expense	$5,139,000	2,703
Salaries and employee benefits	$2,536,000	2,627
Premises and equipment expense	$1,043,000	1,946
Additional noninterest expense	$1,560,000	3,188
Pre-tax net operating income	$3,057,000	2,325
Securities gains (losses)	$12,000	2,095
Applicable income taxes	$812,000	2,731
Income before extraordinary items	$2,257,000	2,174
Extraordinary gains, net	$0	249
Net income	$2,257,000	2,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-149,000	12,336
Cash dividends	$812,000	2,249
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,248,120	2,193
1993-12-31 (YTD Data)		Rank
Total interest income	$10,721,000	2,892
Total interest expense	$3,959,000	3,199
Net interest income	$6,762,000	2,664
Provision for loan and lease losses	$0	10,371
Total noninterest income	$1,884,000	2,054
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$606,000	2,279
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,278,000	1,743
Total noninterest expense	$4,623,000	3,049
Salaries and employee benefits	$2,380,000	2,773
Premises and equipment expense	$847,000	2,412
Additional noninterest expense	$1,396,000	3,713
Pre-tax net operating income	$4,023,000	1,715
Securities gains (losses)	$27,000	4,244
Applicable income taxes	$1,249,000	1,864
Income before extraordinary items	$2,801,000	1,787
Extraordinary gains, net	$0	3,149
Net income	$2,801,000	1,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-139,000	13,032
Cash dividends	$610,000	2,609
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,782,370	1,697
1992-12-31 (YTD Data)		Rank
Total interest income	$11,486,000	3,063
Total interest expense	$4,923,000	3,359
Net interest income	$6,563,000	2,790
Provision for loan and lease losses	$235,000	4,801
Total noninterest income	$1,420,000	2,495
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$507,000	2,736
Trading account gains and fees	$0	504
Additional Noninterest Income	$913,000	2,132
Total noninterest expense	$4,185,000	3,363
Salaries and employee benefits	$2,221,000	2,910
Premises and equipment expense	$673,000	3,022
Additional noninterest expense	$1,291,000	4,065
Pre-tax net operating income	$3,563,000	1,734
Securities gains (losses)	$58,000	3,883
Applicable income taxes	$1,095,000	1,943
Income before extraordinary items	$2,526,000	1,797
Extraordinary gains, net	$0	1,422
Net income	$2,526,000	1,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$428,000	2,713
Cash dividends	$478,000	2,928
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,485,400	1,686

* 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.