Home > First National Bank and Trust Company in Gibson City > Income and Expense

First National Bank and Trust Company in Gibson City, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,511,000	8,680
Total interest expense	$1,214,000	8,338
Net interest income	$1,297,000	8,779
Provision for loan and lease losses	$0	9,041
Total noninterest income	$184,000	8,471
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	7,130
Total noninterest expense	$978,000	8,748
Salaries and employee benefits	$470,000	9,105
Premises and equipment expense	$129,000	8,550
Additional noninterest expense	$379,000	8,059
Pre-tax net operating income	$503,000	7,927
Securities gains (losses)	$0	4,148
Applicable income taxes	$169,000	7,593
Income before extraordinary items	$334,000	8,122
Extraordinary gains, net	$0	53
Net income	$334,000	8,122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$334,000	8,063
1995-12-31 (YTD Data)		Rank
Total interest income	$2,292,000	9,265
Total interest expense	$966,000	9,372
Net interest income	$1,326,000	8,997
Provision for loan and lease losses	$0	8,958
Total noninterest income	$150,000	9,317
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,310
Total noninterest expense	$867,000	9,487
Salaries and employee benefits	$401,000	9,941
Premises and equipment expense	$92,000	9,856
Additional noninterest expense	$374,000	8,459
Pre-tax net operating income	$609,000	7,826
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$215,000	7,172
Income before extraordinary items	$393,000	8,136
Extraordinary gains, net	$0	65
Net income	$393,000	8,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	11,076
Cash dividends	$380,000	3,998
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$393,650	8,097
1994-12-31 (YTD Data)		Rank
Total interest income	$1,935,000	9,918
Total interest expense	$755,000	9,810
Net interest income	$1,180,000	9,809
Provision for loan and lease losses	$0	9,146
Total noninterest income	$136,000	10,003
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	9,035
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	8,779
Total noninterest expense	$842,000	10,040
Salaries and employee benefits	$391,000	10,362
Premises and equipment expense	$100,000	10,031
Additional noninterest expense	$351,000	9,331
Pre-tax net operating income	$474,000	8,833
Securities gains (losses)	$0	3,600
Applicable income taxes	$205,000	7,263
Income before extraordinary items	$269,000	9,505
Extraordinary gains, net	$0	249
Net income	$269,000	9,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$280,000	4,679
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$269,000	9,549
1993-12-31 (YTD Data)		Rank
Total interest income	$1,936,000	10,309
Total interest expense	$766,000	10,229
Net interest income	$1,170,000	10,167
Provision for loan and lease losses	$0	10,371
Total noninterest income	$128,000	10,666
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	9,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	9,638
Total noninterest expense	$814,000	10,593
Salaries and employee benefits	$359,000	11,057
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$368,000	9,631
Pre-tax net operating income	$484,000	8,759
Securities gains (losses)	$0	7,477
Applicable income taxes	$144,000	8,778
Income before extraordinary items	$340,000	9,036
Extraordinary gains, net	$0	3,149
Net income	$340,000	9,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	12,556
Cash dividends	$248,000	4,928
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$340,000	8,778
1992-12-31 (YTD Data)		Rank
Total interest income	$185,000	13,866
Total interest expense	$76,000	13,840
Net interest income	$109,000	13,847
Provision for loan and lease losses	$13,000	10,972
Total noninterest income	$31,000	13,519
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	11,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	12,163
Total noninterest expense	$63,000	13,911
Salaries and employee benefits	$28,000	13,907
Premises and equipment expense	$7,000	13,867
Additional noninterest expense	$28,000	13,893
Pre-tax net operating income	$64,000	12,322
Securities gains (losses)	$0	8,369
Applicable income taxes	$27,000	11,890
Income before extraordinary items	$37,000	12,663
Extraordinary gains, net	$0	1,422
Net income	$37,000	12,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	13,333
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$50,000	929
Net operating income	$37,000	12,413

* 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.