Home > First National Bank in Walsenburg > Income and Expense

First National Bank in Walsenburg, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,691,000	6,741
Total interest expense	$1,517,000	7,124
Net interest income	$2,174,000	6,312
Provision for loan and lease losses	$158,000	4,296
Total noninterest income	$454,000	5,166
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$228,000	4,771
Trading account gains and fees	NA	NA
Additional Noninterest Income	$226,000	4,515
Total noninterest expense	$1,521,000	6,703
Salaries and employee benefits	$807,000	6,700
Premises and equipment expense	$199,000	6,795
Additional noninterest expense	$515,000	6,318
Pre-tax net operating income	$949,000	5,404
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$314,000	4,502
Income before extraordinary items	$636,000	5,682
Extraordinary gains, net	$0	38
Net income	$636,000	5,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	3,985
Cash dividends	$308,000	4,419
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$635,330	5,701
1999-12-31 (YTD Data)		Rank
Total interest income	$3,131,000	7,218
Total interest expense	$1,133,000	7,824
Net interest income	$1,998,000	6,647
Provision for loan and lease losses	$207,000	3,482
Total noninterest income	$295,000	6,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	6,576
Trading account gains and fees	NA	NA
Additional Noninterest Income	$188,000	5,076
Total noninterest expense	$1,354,000	7,156
Salaries and employee benefits	$728,000	7,095
Premises and equipment expense	$104,000	8,553
Additional noninterest expense	$522,000	6,348
Pre-tax net operating income	$732,000	6,201
Securities gains (losses)	$0	3,155
Applicable income taxes	$261,000	5,107
Income before extraordinary items	$471,000	6,593
Extraordinary gains, net	$0	35
Net income	$471,000	6,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$272,000	1,958
Cash dividends	$750,000	2,766
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$471,000	6,565
1998-12-31 (YTD Data)		Rank
Total interest income	$2,987,000	7,545
Total interest expense	$1,084,000	8,192
Net interest income	$1,903,000	6,847
Provision for loan and lease losses	$21,000	7,700
Total noninterest income	$313,000	6,345
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$220,000	4,861
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	6,799
Total noninterest expense	$1,360,000	7,068
Salaries and employee benefits	$728,000	7,036
Premises and equipment expense	$151,000	7,628
Additional noninterest expense	$481,000	6,570
Pre-tax net operating income	$835,000	5,950
Securities gains (losses)	$0	4,449
Applicable income taxes	$324,000	4,965
Income before extraordinary items	$511,000	6,548
Extraordinary gains, net	$0	32
Net income	$511,000	6,547
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$235,000	5,078
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$511,000	6,428
1997-12-31 (YTD Data)		Rank
Total interest income	$2,614,000	8,232
Total interest expense	$894,000	8,984
Net interest income	$1,720,000	7,503
Provision for loan and lease losses	$94,000	5,314
Total noninterest income	$293,000	6,720
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	6,882
Trading account gains and fees	NA	NA
Additional Noninterest Income	$178,000	5,234
Total noninterest expense	$1,220,000	7,604
Salaries and employee benefits	$657,000	7,564
Premises and equipment expense	$146,000	7,890
Additional noninterest expense	$417,000	7,212
Pre-tax net operating income	$699,000	6,981
Securities gains (losses)	$0	3,944
Applicable income taxes	$228,000	6,520
Income before extraordinary items	$471,000	7,162
Extraordinary gains, net	$0	44
Net income	$471,000	7,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	6,018
Cash dividends	$290,000	4,669
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$471,000	7,113
1996-12-31 (YTD Data)		Rank
Total interest income	$2,399,000	8,822
Total interest expense	$828,000	9,558
Net interest income	$1,571,000	8,101
Provision for loan and lease losses	$51,000	6,537
Total noninterest income	$300,000	6,939
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	5,512
Total noninterest expense	$1,115,000	8,279
Salaries and employee benefits	$572,000	8,305
Premises and equipment expense	$132,000	8,482
Additional noninterest expense	$411,000	7,786
Pre-tax net operating income	$705,000	6,912
Securities gains (losses)	$0	4,148
Applicable income taxes	$224,000	6,786
Income before extraordinary items	$481,000	7,033
Extraordinary gains, net	$0	53
Net income	$481,000	7,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,561
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$481,000	6,972
1995-12-31 (YTD Data)		Rank
Total interest income	$2,117,000	9,542
Total interest expense	$842,000	9,817
Net interest income	$1,275,000	9,138
Provision for loan and lease losses	$25,000	7,325
Total noninterest income	$259,000	7,595
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	7,225
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	6,277
Total noninterest expense	$930,000	9,256
Salaries and employee benefits	$472,000	9,337
Premises and equipment expense	$125,000	8,917
Additional noninterest expense	$333,000	8,883
Pre-tax net operating income	$579,000	7,994
Securities gains (losses)	$0	3,831
Applicable income taxes	$79,000	9,610
Income before extraordinary items	$500,000	7,260
Extraordinary gains, net	$0	65
Net income	$500,000	7,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	11,384
Cash dividends	$85,000	7,107
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$500,000	7,225
1994-12-31 (YTD Data)		Rank
Total interest income	$1,736,000	10,292
Total interest expense	$630,000	10,456
Net interest income	$1,106,000	10,041
Provision for loan and lease losses	$12,000	8,270
Total noninterest income	$328,000	6,917
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	7,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$195,000	5,356
Total noninterest expense	$908,000	9,745
Salaries and employee benefits	$412,000	10,188
Premises and equipment expense	$95,000	10,179
Additional noninterest expense	$401,000	8,824
Pre-tax net operating income	$514,000	8,565
Securities gains (losses)	$0	3,600
Applicable income taxes	$180,000	7,704
Income before extraordinary items	$334,000	8,783
Extraordinary gains, net	$0	249
Net income	$334,000	8,786
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	11,879
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$334,000	8,841
1993-12-31 (YTD Data)		Rank
Total interest income	$1,399,000	11,447
Total interest expense	$570,000	11,317
Net interest income	$829,000	11,410
Provision for loan and lease losses	$-107,000	12,922
Total noninterest income	$310,000	7,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,698
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	6,692
Total noninterest expense	$974,000	9,848
Salaries and employee benefits	$360,000	11,048
Premises and equipment expense	$109,000	10,160
Additional noninterest expense	$505,000	8,159
Pre-tax net operating income	$272,000	10,456
Securities gains (losses)	$0	7,477
Applicable income taxes	$74,000	10,356
Income before extraordinary items	$198,000	10,682
Extraordinary gains, net	$17,000	2,772
Net income	$215,000	10,573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	12,031
Cash dividends	$150,000	6,064
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$198,000	10,449
1992-12-31 (YTD Data)		Rank
Total interest income	$1,540,000	11,862
Total interest expense	$712,000	11,748
Net interest income	$828,000	11,798
Provision for loan and lease losses	$5,000	11,499
Total noninterest income	$371,000	6,823
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$179,000	6,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$192,000	5,803
Total noninterest expense	$1,074,000	9,647
Salaries and employee benefits	$350,000	11,434
Premises and equipment expense	$96,000	10,873
Additional noninterest expense	$628,000	7,274
Pre-tax net operating income	$120,000	11,810
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$44,000	11,422
Income before extraordinary items	$77,000	12,270
Extraordinary gains, net	$0	1,422
Net income	$77,000	12,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	8,210
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$76,360	11,976

* 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.