Home > First National Bank Northwest Ohio > Income and Expense
First National Bank Northwest Ohio, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $42,387,000 | 787 |
| Total interest expense | $20,935,000 | 780 |
| Net interest income | $21,452,000 | 795 |
| Provision for loan and lease losses | $4,893,000 | 327 |
| Total noninterest income | $8,506,000 | 668 |
| Gross Fiduciary activities income | $57,000 | 1,095 |
| Service charges on deposit accounts | $1,567,000 | 788 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,882,000 | 533 |
| Total noninterest expense | $17,805,000 | 815 |
| Salaries and employee benefits | $6,676,000 | 978 |
| Premises and equipment expense | $1,496,000 | 1,297 |
| Additional noninterest expense | $9,633,000 | 607 |
| Pre-tax net operating income | $7,260,000 | 1,043 |
| Securities gains (losses) | $147,000 | 1,059 |
| Applicable income taxes | $2,390,000 | 1,060 |
| Income before extraordinary items | $5,017,000 | 1,076 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,017,000 | 1,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,488,000 | 565 |
| Cash dividends | $13,500,000 | 314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,917,040 | 1,061 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $42,043,000 | 812 |
| Total interest expense | $21,429,000 | 772 |
| Net interest income | $20,614,000 | 867 |
| Provision for loan and lease losses | $1,200,000 | 849 |
| Total noninterest income | $6,337,000 | 787 |
| Gross Fiduciary activities income | $78,000 | 1,099 |
| Service charges on deposit accounts | $1,614,000 | 788 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,645,000 | 645 |
| Total noninterest expense | $15,321,000 | 919 |
| Salaries and employee benefits | $5,818,000 | 1,126 |
| Premises and equipment expense | $1,592,000 | 1,240 |
| Additional noninterest expense | $7,911,000 | 697 |
| Pre-tax net operating income | $10,430,000 | 788 |
| Securities gains (losses) | $171,000 | 779 |
| Applicable income taxes | $3,450,000 | 833 |
| Income before extraordinary items | $7,151,000 | 787 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,151,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,912 |
| Cash dividends | $6,700,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,036,430 | 779 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $40,026,000 | 875 |
| Total interest expense | $21,301,000 | 797 |
| Net interest income | $18,725,000 | 988 |
| Provision for loan and lease losses | $544,000 | 1,638 |
| Total noninterest income | $6,116,000 | 840 |
| Gross Fiduciary activities income | $85,000 | 1,143 |
| Service charges on deposit accounts | $1,079,000 | 1,237 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,952,000 | 653 |
| Total noninterest expense | $15,110,000 | 1,010 |
| Salaries and employee benefits | $5,422,000 | 1,231 |
| Premises and equipment expense | $1,539,000 | 1,326 |
| Additional noninterest expense | $8,149,000 | 792 |
| Pre-tax net operating income | $9,187,000 | 841 |
| Securities gains (losses) | $348,000 | 517 |
| Applicable income taxes | $3,131,000 | 847 |
| Income before extraordinary items | $6,404,000 | 843 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,404,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,941 |
| Cash dividends | $3,100,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,170,840 | 851 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $38,300,000 | 937 |
| Total interest expense | $20,821,000 | 849 |
| Net interest income | $17,479,000 | 1,054 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $4,582,000 | 1,010 |
| Gross Fiduciary activities income | $64,000 | 1,249 |
| Service charges on deposit accounts | $906,000 | 1,510 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,612,000 | 797 |
| Total noninterest expense | $12,649,000 | 1,166 |
| Salaries and employee benefits | $4,629,000 | 1,432 |
| Premises and equipment expense | $1,461,000 | 1,413 |
| Additional noninterest expense | $6,559,000 | 907 |
| Pre-tax net operating income | $9,412,000 | 872 |
| Securities gains (losses) | $60,000 | 1,194 |
| Applicable income taxes | $3,090,000 | 901 |
| Income before extraordinary items | $6,382,000 | 873 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,382,000 | 872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,197 |
| Cash dividends | $6,071,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,341,800 | 864 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $31,856,000 | 1,000 |
| Total interest expense | $14,967,000 | 911 |
| Net interest income | $16,889,000 | 1,091 |
| Provision for loan and lease losses | $-1,640,000 | 12,552 |
| Total noninterest income | $3,808,000 | 1,126 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $882,000 | 1,532 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,926,000 | 889 |
| Total noninterest expense | $12,457,000 | 1,199 |
| Salaries and employee benefits | $5,211,000 | 1,292 |
| Premises and equipment expense | $1,467,000 | 1,422 |
| Additional noninterest expense | $5,779,000 | 1,042 |
| Pre-tax net operating income | $9,880,000 | 807 |
| Securities gains (losses) | $269,000 | 410 |
| Applicable income taxes | $3,588,000 | 744 |
| Income before extraordinary items | $6,561,000 | 812 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,561,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 11,539 |
| Cash dividends | $5,218,000 | 545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,386,150 | 822 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $30,948,000 | 1,032 |
| Total interest expense | $14,848,000 | 936 |
| Net interest income | $16,100,000 | 1,137 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $5,417,000 | 922 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $886,000 | 1,538 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,531,000 | 730 |
| Total noninterest expense | $12,055,000 | 1,279 |
| Salaries and employee benefits | $4,477,000 | 1,520 |
| Premises and equipment expense | $1,240,000 | 1,688 |
| Additional noninterest expense | $6,338,000 | 1,044 |
| Pre-tax net operating income | $9,462,000 | 772 |
| Securities gains (losses) | $787,000 | 641 |
| Applicable income taxes | $3,593,000 | 717 |
| Income before extraordinary items | $6,656,000 | 786 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,656,000 | 816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $2,111,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,144,450 | 805 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $32,056,000 | 1,141 |
| Total interest expense | $16,864,000 | 1,072 |
| Net interest income | $15,192,000 | 1,232 |
| Provision for loan and lease losses | $440,000 | 3,268 |
| Total noninterest income | $3,128,000 | 1,381 |
| Gross Fiduciary activities income | $4,000 | 1,602 |
| Service charges on deposit accounts | $807,000 | 1,682 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,317,000 | 1,129 |
| Total noninterest expense | $10,341,000 | 1,482 |
| Salaries and employee benefits | $2,913,000 | 2,232 |
| Premises and equipment expense | $1,091,000 | 1,936 |
| Additional noninterest expense | $6,337,000 | 1,089 |
| Pre-tax net operating income | $7,539,000 | 860 |
| Securities gains (losses) | $-40,000 | 13,634 |
| Applicable income taxes | $1,573,000 | 1,393 |
| Income before extraordinary items | $5,926,000 | 806 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,926,000 | 806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 4,443 |
| Cash dividends | $2,404,000 | 717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,957,600 | 726 |
* 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.