Home > First National Bank of Bay City > Income and Expense
First National Bank of Bay City, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,665,000 | 8,563 |
| Total interest expense | $610,000 | 8,810 |
| Net interest income | $1,055,000 | 8,174 |
| Provision for loan and lease losses | $276,000 | 3,394 |
| Total noninterest income | $532,000 | 4,906 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $487,000 | 2,896 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $45,000 | 7,826 |
| Total noninterest expense | $1,257,000 | 7,310 |
| Salaries and employee benefits | $604,000 | 7,648 |
| Premises and equipment expense | $163,000 | 7,315 |
| Additional noninterest expense | $490,000 | 6,503 |
| Pre-tax net operating income | $54,000 | 8,534 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $25,000 | 7,184 |
| Income before extraordinary items | $47,000 | 8,627 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $47,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,767 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $35,300 | 8,580 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 8,917 |
| Total interest expense | $589,000 | 9,066 |
| Net interest income | $943,000 | 8,599 |
| Provision for loan and lease losses | $34,000 | 7,119 |
| Total noninterest income | $496,000 | 4,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $1,035,000 | 7,915 |
| Salaries and employee benefits | $507,000 | 8,208 |
| Premises and equipment expense | $160,000 | 7,430 |
| Additional noninterest expense | $368,000 | 7,416 |
| Pre-tax net operating income | $370,000 | 7,602 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $88,000 | 6,675 |
| Income before extraordinary items | $282,000 | 7,582 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $282,000 | 7,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,720 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $282,000 | 7,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 9,466 |
| Total interest expense | $450,000 | 9,546 |
| Net interest income | $713,000 | 9,251 |
| Provision for loan and lease losses | $78,000 | 5,718 |
| Total noninterest income | $401,000 | 5,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,462 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $952,000 | 8,262 |
| Salaries and employee benefits | $496,000 | 8,359 |
| Premises and equipment expense | $128,000 | 8,069 |
| Additional noninterest expense | $328,000 | 7,888 |
| Pre-tax net operating income | $84,000 | 9,134 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-32,000 | 9,766 |
| Income before extraordinary items | $116,000 | 8,853 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $116,000 | 8,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $116,000 | 8,818 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 10,235 |
| Total interest expense | $188,000 | 10,201 |
| Net interest income | $289,000 | 10,212 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $158,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $726,000 | 9,033 |
| Salaries and employee benefits | $404,000 | 8,943 |
| Premises and equipment expense | $80,000 | 9,140 |
| Additional noninterest expense | $242,000 | 8,682 |
| Pre-tax net operating income | $-284,000 | 10,054 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-284,000 | 10,104 |
| Extraordinary gains, net | $-115,000 | 10,432 |
| Net income | $-399,000 | 10,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,112,000 | 319 |
| Net operating income | $-284,000 | 10,072 |
* 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.