Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,527,000 | 1,348 |
| Total interest expense | $12,639,000 | 1,262 |
| Net interest income | $11,888,000 | 1,457 |
| Provision for loan and lease losses | $1,470,000 | 741 |
| Total noninterest income | $1,509,000 | 2,185 |
| Gross Fiduciary activities income | $77,000 | 1,102 |
| Service charges on deposit accounts | $1,107,000 | 1,133 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $325,000 | 3,755 |
| Total noninterest expense | $5,688,000 | 2,265 |
| Salaries and employee benefits | $2,884,000 | 2,293 |
| Premises and equipment expense | $925,000 | 2,129 |
| Additional noninterest expense | $1,879,000 | 2,215 |
| Pre-tax net operating income | $6,239,000 | 1,254 |
| Securities gains (losses) | $17,000 | 2,006 |
| Applicable income taxes | $1,738,000 | 1,488 |
| Income before extraordinary items | $4,518,000 | 1,215 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,518,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,862 |
| Cash dividends | $791,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,505,760 | 1,193 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,703,000 | 1,802 |
| Total interest expense | $9,083,000 | 1,745 |
| Net interest income | $9,620,000 | 1,853 |
| Provision for loan and lease losses | $235,000 | 3,076 |
| Total noninterest income | $1,306,000 | 2,531 |
| Gross Fiduciary activities income | $81,000 | 1,152 |
| Service charges on deposit accounts | $986,000 | 1,360 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $239,000 | 4,664 |
| Total noninterest expense | $4,688,000 | 2,908 |
| Salaries and employee benefits | $2,507,000 | 2,695 |
| Premises and equipment expense | $773,000 | 2,536 |
| Additional noninterest expense | $1,408,000 | 3,294 |
| Pre-tax net operating income | $6,003,000 | 1,207 |
| Securities gains (losses) | $32,000 | 1,648 |
| Applicable income taxes | $1,773,000 | 1,370 |
| Income before extraordinary items | $4,262,000 | 1,190 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,262,000 | 1,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,420 |
| Cash dividends | $2,156,000 | 1,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,239,280 | 1,172 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,815,000 | 2,003 |
| Total interest expense | $8,404,000 | 1,882 |
| Net interest income | $8,411,000 | 2,133 |
| Provision for loan and lease losses | $145,000 | 3,721 |
| Total noninterest income | $1,200,000 | 2,726 |
| Gross Fiduciary activities income | $37,000 | 1,338 |
| Service charges on deposit accounts | $928,000 | 1,472 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $235,000 | 4,664 |
| Total noninterest expense | $4,388,000 | 3,054 |
| Salaries and employee benefits | $2,294,000 | 2,901 |
| Premises and equipment expense | $619,000 | 3,130 |
| Additional noninterest expense | $1,475,000 | 3,130 |
| Pre-tax net operating income | $5,078,000 | 1,485 |
| Securities gains (losses) | $18,000 | 1,987 |
| Applicable income taxes | $1,383,000 | 1,771 |
| Income before extraordinary items | $3,713,000 | 1,394 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,713,000 | 1,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $2,016,000 | 1,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,699,860 | 1,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,244,000 | 2,149 |
| Total interest expense | $5,975,000 | 2,087 |
| Net interest income | $8,269,000 | 2,187 |
| Provision for loan and lease losses | $77,000 | 5,110 |
| Total noninterest income | $1,114,000 | 2,879 |
| Gross Fiduciary activities income | $39,000 | 1,351 |
| Service charges on deposit accounts | $836,000 | 1,623 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $239,000 | 4,715 |
| Total noninterest expense | $4,420,000 | 3,112 |
| Salaries and employee benefits | $2,175,000 | 3,043 |
| Premises and equipment expense | $638,000 | 3,085 |
| Additional noninterest expense | $1,607,000 | 3,118 |
| Pre-tax net operating income | $4,886,000 | 1,502 |
| Securities gains (losses) | $38,000 | 1,321 |
| Applicable income taxes | $1,410,000 | 1,641 |
| Income before extraordinary items | $3,514,000 | 1,413 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,514,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $2,015,000 | 1,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,487,020 | 1,434 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,802,000 | 2,247 |
| Total interest expense | $5,395,000 | 2,398 |
| Net interest income | $8,407,000 | 2,148 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $990,000 | 3,364 |
| Gross Fiduciary activities income | $35,000 | 1,394 |
| Service charges on deposit accounts | $749,000 | 1,823 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $206,000 | 5,576 |
| Total noninterest expense | $4,217,000 | 3,323 |
| Salaries and employee benefits | $2,068,000 | 3,177 |
| Premises and equipment expense | $613,000 | 3,261 |
| Additional noninterest expense | $1,536,000 | 3,438 |
| Pre-tax net operating income | $5,120,000 | 1,371 |
| Securities gains (losses) | $71,000 | 2,955 |
| Applicable income taxes | $1,352,000 | 1,722 |
| Income before extraordinary items | $3,839,000 | 1,323 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,839,000 | 1,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $1,809,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,786,460 | 1,256 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,637,000 | 2,405 |
| Total interest expense | $6,517,000 | 2,587 |
| Net interest income | $8,120,000 | 2,238 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $872,000 | 3,719 |
| Gross Fiduciary activities income | $26,000 | 1,457 |
| Service charges on deposit accounts | $665,000 | 2,047 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $181,000 | 6,009 |
| Total noninterest expense | $4,013,000 | 3,496 |
| Salaries and employee benefits | $1,986,000 | 3,228 |
| Premises and equipment expense | $561,000 | 3,585 |
| Additional noninterest expense | $1,466,000 | 3,670 |
| Pre-tax net operating income | $4,919,000 | 1,292 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $1,246,000 | 1,687 |
| Income before extraordinary items | $3,676,000 | 1,268 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,676,000 | 1,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 9,043 |
| Cash dividends | $1,359,000 | 1,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,673,750 | 1,174 |
* 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.