Home > First National Bank of Chaves County > Income and Expense
First National Bank of Chaves County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,275,000 | 7,421 |
| Total interest expense | $1,438,000 | 7,491 |
| Net interest income | $1,837,000 | 7,240 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $314,000 | 6,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,683 |
| Total noninterest expense | $1,523,000 | 6,736 |
| Salaries and employee benefits | $781,000 | 6,875 |
| Premises and equipment expense | $257,000 | 5,958 |
| Additional noninterest expense | $485,000 | 6,633 |
| Pre-tax net operating income | $603,000 | 7,408 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $199,000 | 6,887 |
| Income before extraordinary items | $405,000 | 7,603 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $405,000 | 7,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,357 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $404,330 | 7,550 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 7,913 |
| Total interest expense | $1,284,000 | 8,147 |
| Net interest income | $1,781,000 | 7,596 |
| Provision for loan and lease losses | $98,000 | 5,180 |
| Total noninterest income | $296,000 | 6,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,591 |
| Total noninterest expense | $1,488,000 | 7,138 |
| Salaries and employee benefits | $751,000 | 7,246 |
| Premises and equipment expense | $254,000 | 6,196 |
| Additional noninterest expense | $483,000 | 7,192 |
| Pre-tax net operating income | $491,000 | 7,993 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $186,000 | 7,351 |
| Income before extraordinary items | $305,000 | 8,381 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $305,000 | 8,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,564 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $305,000 | 8,326 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 8,645 |
| Total interest expense | $1,119,000 | 8,850 |
| Net interest income | $1,573,000 | 8,326 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $255,000 | 7,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,479 |
| Total noninterest expense | $1,448,000 | 7,436 |
| Salaries and employee benefits | $752,000 | 7,386 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $456,000 | 7,647 |
| Pre-tax net operating income | $380,000 | 9,195 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $131,000 | 8,602 |
| Income before extraordinary items | $249,000 | 9,419 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $249,000 | 9,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,020 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $249,000 | 9,403 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 8,783 |
| Total interest expense | $889,000 | 9,185 |
| Net interest income | $1,684,000 | 8,345 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $243,000 | 8,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $1,634,000 | 7,187 |
| Salaries and employee benefits | $750,000 | 7,526 |
| Premises and equipment expense | $231,000 | 6,847 |
| Additional noninterest expense | $653,000 | 6,655 |
| Pre-tax net operating income | $239,000 | 10,584 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $60,000 | 10,220 |
| Income before extraordinary items | $180,000 | 10,500 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $180,000 | 10,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,553 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $179,250 | 10,554 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,947,000 | 8,428 |
| Total interest expense | $1,014,000 | 9,040 |
| Net interest income | $1,933,000 | 7,885 |
| Provision for loan and lease losses | $744,000 | 1,593 |
| Total noninterest income | $225,000 | 8,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,462 |
| Total noninterest expense | $1,686,000 | 7,231 |
| Salaries and employee benefits | $773,000 | 7,480 |
| Premises and equipment expense | $236,000 | 6,969 |
| Additional noninterest expense | $677,000 | 6,728 |
| Pre-tax net operating income | $-272,000 | 12,751 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-107,000 | 12,964 |
| Income before extraordinary items | $-165,000 | 12,729 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-165,000 | 12,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 1,730 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-165,000 | 12,645 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 8,228 |
| Total interest expense | $1,384,000 | 8,915 |
| Net interest income | $2,085,000 | 7,528 |
| Provision for loan and lease losses | $718,000 | 2,332 |
| Total noninterest income | $294,000 | 7,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,401 |
| Total noninterest expense | $1,554,000 | 7,724 |
| Salaries and employee benefits | $708,000 | 7,926 |
| Premises and equipment expense | $232,000 | 7,136 |
| Additional noninterest expense | $614,000 | 7,383 |
| Pre-tax net operating income | $107,000 | 11,944 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $48,000 | 11,313 |
| Income before extraordinary items | $87,000 | 12,122 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $87,000 | 12,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 2,446 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $69,080 | 12,074 |
* 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.