Home > First National Bank and Trust Company, Carbondale, Illinois > Income and Expense
First National Bank and Trust Company, Carbondale, Illinois, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,801,000 | 1,824 |
| Total interest expense | $7,451,000 | 2,005 |
| Net interest income | $10,350,000 | 1,684 |
| Provision for loan and lease losses | $345,000 | 2,386 |
| Total noninterest income | $5,871,000 | 834 |
| Gross Fiduciary activities income | $124,000 | 957 |
| Service charges on deposit accounts | $1,346,000 | 993 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,401,000 | 699 |
| Total noninterest expense | $10,338,000 | 1,347 |
| Salaries and employee benefits | $5,689,000 | 1,213 |
| Premises and equipment expense | $1,172,000 | 1,749 |
| Additional noninterest expense | $3,477,000 | 1,325 |
| Pre-tax net operating income | $5,538,000 | 1,375 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,878,000 | 1,298 |
| Income before extraordinary items | $3,660,000 | 1,476 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,660,000 | 1,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,616 |
| Cash dividends | $5,353,000 | 616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,660,000 | 1,450 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,456,000 | 1,756 |
| Total interest expense | $8,515,000 | 1,791 |
| Net interest income | $9,941,000 | 1,723 |
| Provision for loan and lease losses | $701,000 | 1,307 |
| Total noninterest income | $5,369,000 | 888 |
| Gross Fiduciary activities income | $302,000 | 778 |
| Service charges on deposit accounts | $1,239,000 | 998 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,828,000 | 775 |
| Total noninterest expense | $10,383,000 | 1,277 |
| Salaries and employee benefits | $5,091,000 | 1,286 |
| Premises and equipment expense | $1,178,000 | 1,667 |
| Additional noninterest expense | $4,114,000 | 1,101 |
| Pre-tax net operating income | $4,226,000 | 1,737 |
| Securities gains (losses) | $282,000 | 763 |
| Applicable income taxes | $1,457,000 | 1,674 |
| Income before extraordinary items | $3,051,000 | 1,715 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,051,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 700 |
| Cash dividends | $766,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,859,240 | 1,765 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,220,000 | 1,814 |
| Total interest expense | $8,934,000 | 1,734 |
| Net interest income | $9,286,000 | 1,874 |
| Provision for loan and lease losses | $1,536,000 | 718 |
| Total noninterest income | $4,949,000 | 934 |
| Gross Fiduciary activities income | $259,000 | 841 |
| Service charges on deposit accounts | $1,133,000 | 1,104 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,557,000 | 760 |
| Total noninterest expense | $9,163,000 | 1,431 |
| Salaries and employee benefits | $4,493,000 | 1,456 |
| Premises and equipment expense | $1,169,000 | 1,670 |
| Additional noninterest expense | $3,501,000 | 1,253 |
| Pre-tax net operating income | $3,536,000 | 2,132 |
| Securities gains (losses) | $308,000 | 562 |
| Applicable income taxes | $1,394,000 | 1,818 |
| Income before extraordinary items | $2,450,000 | 2,150 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,450,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $786,000 | 927 |
| Cash dividends | $699,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,252,880 | 2,275 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,688,000 | 2,286 |
| Total interest expense | $6,622,000 | 2,328 |
| Net interest income | $8,066,000 | 2,232 |
| Provision for loan and lease losses | $327,000 | 2,419 |
| Total noninterest income | $2,709,000 | 1,461 |
| Gross Fiduciary activities income | $220,000 | 941 |
| Service charges on deposit accounts | $1,097,000 | 1,214 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,392,000 | 1,449 |
| Total noninterest expense | $6,034,000 | 2,277 |
| Salaries and employee benefits | $2,894,000 | 2,301 |
| Premises and equipment expense | $811,000 | 2,419 |
| Additional noninterest expense | $2,329,000 | 2,147 |
| Pre-tax net operating income | $4,414,000 | 1,642 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $1,444,000 | 1,658 |
| Income before extraordinary items | $3,019,000 | 1,648 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,019,000 | 1,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,475 |
| Cash dividends | $638,000 | 2,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,985,680 | 1,638 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,949,000 | 2,577 |
| Total interest expense | $5,335,000 | 2,860 |
| Net interest income | $7,614,000 | 2,355 |
| Provision for loan and lease losses | $356,000 | 2,045 |
| Total noninterest income | $2,840,000 | 1,405 |
| Gross Fiduciary activities income | $245,000 | 949 |
| Service charges on deposit accounts | $1,001,000 | 1,357 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,594,000 | 1,331 |
| Total noninterest expense | $5,643,000 | 2,406 |
| Salaries and employee benefits | $2,690,000 | 2,484 |
| Premises and equipment expense | $781,000 | 2,539 |
| Additional noninterest expense | $2,172,000 | 2,241 |
| Pre-tax net operating income | $4,455,000 | 1,653 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $1,421,000 | 1,723 |
| Income before extraordinary items | $3,017,000 | 1,688 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,017,000 | 1,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $1,728,000 | 1,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,028,560 | 1,658 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,690,000 | 3,126 |
| Total interest expense | $3,657,000 | 3,330 |
| Net interest income | $6,033,000 | 2,982 |
| Provision for loan and lease losses | $132,000 | 3,859 |
| Total noninterest income | $2,245,000 | 1,685 |
| Gross Fiduciary activities income | $202,000 | 1,016 |
| Service charges on deposit accounts | $862,000 | 1,573 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,181,000 | 1,645 |
| Total noninterest expense | $4,625,000 | 2,981 |
| Salaries and employee benefits | $2,003,000 | 3,277 |
| Premises and equipment expense | $677,000 | 2,907 |
| Additional noninterest expense | $1,945,000 | 2,636 |
| Pre-tax net operating income | $3,521,000 | 2,030 |
| Securities gains (losses) | $-122,000 | 11,675 |
| Applicable income taxes | $1,043,000 | 2,139 |
| Income before extraordinary items | $2,356,000 | 2,075 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,356,000 | 2,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,158 |
| Cash dividends | $3,195,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,440,180 | 2,018 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,398,000 | 3,291 |
| Total interest expense | $3,545,000 | 3,540 |
| Net interest income | $5,853,000 | 3,094 |
| Provision for loan and lease losses | $282,000 | 3,141 |
| Total noninterest income | $2,006,000 | 1,978 |
| Gross Fiduciary activities income | $181,000 | 1,078 |
| Service charges on deposit accounts | $804,000 | 1,708 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,021,000 | 2,006 |
| Total noninterest expense | $4,301,000 | 3,258 |
| Salaries and employee benefits | $2,034,000 | 3,230 |
| Premises and equipment expense | $578,000 | 3,441 |
| Additional noninterest expense | $1,689,000 | 3,157 |
| Pre-tax net operating income | $3,276,000 | 2,077 |
| Securities gains (losses) | $14,000 | 5,105 |
| Applicable income taxes | $965,000 | 2,343 |
| Income before extraordinary items | $2,325,000 | 2,150 |
| Extraordinary gains, net | $7,000 | 3,012 |
| Net income | $2,332,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,845 |
| Cash dividends | $737,000 | 2,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,315,060 | 2,034 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,163,000 | 3,434 |
| Total interest expense | $4,678,000 | 3,511 |
| Net interest income | $5,485,000 | 3,338 |
| Provision for loan and lease losses | $400,000 | 3,453 |
| Total noninterest income | $1,419,000 | 2,497 |
| Gross Fiduciary activities income | $177,000 | 1,116 |
| Service charges on deposit accounts | $681,000 | 2,001 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $561,000 | 2,964 |
| Total noninterest expense | $3,962,000 | 3,534 |
| Salaries and employee benefits | $1,712,000 | 3,741 |
| Premises and equipment expense | $438,000 | 4,450 |
| Additional noninterest expense | $1,812,000 | 3,039 |
| Pre-tax net operating income | $2,542,000 | 2,438 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $688,000 | 3,028 |
| Income before extraordinary items | $1,854,000 | 2,474 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,854,000 | 2,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 4,547 |
| Cash dividends | $720,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,854,000 | 2,289 |
* 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.