First National Bank and Trust Company, Carbondale, Illinois, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$17,801,0001,824
Total interest expense$7,451,0002,005
Net interest income$10,350,0001,684
Provision for loan and lease losses$345,0002,386
Total noninterest income$5,871,000834
Gross Fiduciary activities income$124,000957
Service charges on deposit accounts$1,346,000993
Trading account gains and fees$0173
Additional Noninterest Income$4,401,000699
Total noninterest expense$10,338,0001,347
Salaries and employee benefits$5,689,0001,213
Premises and equipment expense$1,172,0001,749
Additional noninterest expense$3,477,0001,325
Pre-tax net operating income$5,538,0001,375
Securities gains (losses)$03,155
Applicable income taxes$1,878,0001,298
Income before extraordinary items$3,660,0001,476
Extraordinary gains, net$035
Net income$3,660,0001,477
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$350,0001,616
Cash dividends$5,353,000616
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$3,660,0001,450
1998-12-31 (YTD Data)Rank
Total interest income$18,456,0001,756
Total interest expense$8,515,0001,791
Net interest income$9,941,0001,723
Provision for loan and lease losses$701,0001,307
Total noninterest income$5,369,000888
Gross Fiduciary activities income$302,000778
Service charges on deposit accounts$1,239,000998
Trading account gains and fees$0224
Additional Noninterest Income$3,828,000775
Total noninterest expense$10,383,0001,277
Salaries and employee benefits$5,091,0001,286
Premises and equipment expense$1,178,0001,667
Additional noninterest expense$4,114,0001,101
Pre-tax net operating income$4,226,0001,737
Securities gains (losses)$282,000763
Applicable income taxes$1,457,0001,674
Income before extraordinary items$3,051,0001,715
Extraordinary gains, net$032
Net income$3,051,0001,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,119,000700
Cash dividends$766,0002,680
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,859,2401,765
1997-12-31 (YTD Data)Rank
Total interest income$18,220,0001,814
Total interest expense$8,934,0001,734
Net interest income$9,286,0001,874
Provision for loan and lease losses$1,536,000718
Total noninterest income$4,949,000934
Gross Fiduciary activities income$259,000841
Service charges on deposit accounts$1,133,0001,104
Trading account gains and fees$0239
Additional Noninterest Income$3,557,000760
Total noninterest expense$9,163,0001,431
Salaries and employee benefits$4,493,0001,456
Premises and equipment expense$1,169,0001,670
Additional noninterest expense$3,501,0001,253
Pre-tax net operating income$3,536,0002,132
Securities gains (losses)$308,000562
Applicable income taxes$1,394,0001,818
Income before extraordinary items$2,450,0002,150
Extraordinary gains, net$044
Net income$2,450,0002,149
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$786,000927
Cash dividends$699,0002,810
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,252,8802,275
1996-12-31 (YTD Data)Rank
Total interest income$14,688,0002,286
Total interest expense$6,622,0002,328
Net interest income$8,066,0002,232
Provision for loan and lease losses$327,0002,419
Total noninterest income$2,709,0001,461
Gross Fiduciary activities income$220,000941
Service charges on deposit accounts$1,097,0001,214
Trading account gains and fees$0262
Additional Noninterest Income$1,392,0001,449
Total noninterest expense$6,034,0002,277
Salaries and employee benefits$2,894,0002,301
Premises and equipment expense$811,0002,419
Additional noninterest expense$2,329,0002,147
Pre-tax net operating income$4,414,0001,642
Securities gains (losses)$49,0001,339
Applicable income taxes$1,444,0001,658
Income before extraordinary items$3,019,0001,648
Extraordinary gains, net$053
Net income$3,019,0001,649
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$228,0002,475
Cash dividends$638,0002,926
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,985,6801,638
1995-12-31 (YTD Data)Rank
Total interest income$12,949,0002,577
Total interest expense$5,335,0002,860
Net interest income$7,614,0002,355
Provision for loan and lease losses$356,0002,045
Total noninterest income$2,840,0001,405
Gross Fiduciary activities income$245,000949
Service charges on deposit accounts$1,001,0001,357
Trading account gains and fees$0522
Additional Noninterest Income$1,594,0001,331
Total noninterest expense$5,643,0002,406
Salaries and employee benefits$2,690,0002,484
Premises and equipment expense$781,0002,539
Additional noninterest expense$2,172,0002,241
Pre-tax net operating income$4,455,0001,653
Securities gains (losses)$-17,00010,458
Applicable income taxes$1,421,0001,723
Income before extraordinary items$3,017,0001,688
Extraordinary gains, net$065
Net income$3,017,0001,687
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00010,842
Cash dividends$1,728,0001,355
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,028,5601,658
1994-12-31 (YTD Data)Rank
Total interest income$9,690,0003,126
Total interest expense$3,657,0003,330
Net interest income$6,033,0002,982
Provision for loan and lease losses$132,0003,859
Total noninterest income$2,245,0001,685
Gross Fiduciary activities income$202,0001,016
Service charges on deposit accounts$862,0001,573
Trading account gains and fees$0475
Additional Noninterest Income$1,181,0001,645
Total noninterest expense$4,625,0002,981
Salaries and employee benefits$2,003,0003,277
Premises and equipment expense$677,0002,907
Additional noninterest expense$1,945,0002,636
Pre-tax net operating income$3,521,0002,030
Securities gains (losses)$-122,00011,675
Applicable income taxes$1,043,0002,139
Income before extraordinary items$2,356,0002,075
Extraordinary gains, net$0249
Net income$2,356,0002,073
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0004,158
Cash dividends$3,195,000769
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,440,1802,018
1993-12-31 (YTD Data)Rank
Total interest income$9,398,0003,291
Total interest expense$3,545,0003,540
Net interest income$5,853,0003,094
Provision for loan and lease losses$282,0003,141
Total noninterest income$2,006,0001,978
Gross Fiduciary activities income$181,0001,078
Service charges on deposit accounts$804,0001,708
Trading account gains and fees$0532
Additional Noninterest Income$1,021,0002,006
Total noninterest expense$4,301,0003,258
Salaries and employee benefits$2,034,0003,230
Premises and equipment expense$578,0003,441
Additional noninterest expense$1,689,0003,157
Pre-tax net operating income$3,276,0002,077
Securities gains (losses)$14,0005,105
Applicable income taxes$965,0002,343
Income before extraordinary items$2,325,0002,150
Extraordinary gains, net$7,0003,012
Net income$2,332,0002,229
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0005,845
Cash dividends$737,0002,305
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,315,0602,034
1992-12-31 (YTD Data)Rank
Total interest income$10,163,0003,434
Total interest expense$4,678,0003,511
Net interest income$5,485,0003,338
Provision for loan and lease losses$400,0003,453
Total noninterest income$1,419,0002,497
Gross Fiduciary activities income$177,0001,116
Service charges on deposit accounts$681,0002,001
Trading account gains and fees$0504
Additional Noninterest Income$561,0002,964
Total noninterest expense$3,962,0003,534
Salaries and employee benefits$1,712,0003,741
Premises and equipment expense$438,0004,450
Additional noninterest expense$1,812,0003,039
Pre-tax net operating income$2,542,0002,438
Securities gains (losses)$08,369
Applicable income taxes$688,0003,028
Income before extraordinary items$1,854,0002,474
Extraordinary gains, net$01,422
Net income$1,854,0002,516
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$172,0004,547
Cash dividends$720,0002,080
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,854,0002,289

* 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.