Home > First National Bank of Chester > Income and Expense
First National Bank of Chester, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,286,000 | 8,652 |
| Total interest expense | $1,148,000 | 8,260 |
| Net interest income | $1,138,000 | 8,842 |
| Provision for loan and lease losses | $26,000 | 7,586 |
| Total noninterest income | $466,000 | 5,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $356,000 | 3,547 |
| Total noninterest expense | $1,000,000 | 8,341 |
| Salaries and employee benefits | $543,000 | 8,305 |
| Premises and equipment expense | $83,000 | 9,364 |
| Additional noninterest expense | $374,000 | 7,588 |
| Pre-tax net operating income | $578,000 | 7,522 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $234,000 | 6,444 |
| Income before extraordinary items | $344,000 | 8,042 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $344,000 | 8,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $344,000 | 7,998 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 9,313 |
| Total interest expense | $986,000 | 9,057 |
| Net interest income | $1,064,000 | 9,378 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $142,000 | 9,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 7,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,888 |
| Total noninterest expense | $701,000 | 9,814 |
| Salaries and employee benefits | $299,000 | 10,355 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $331,000 | 8,563 |
| Pre-tax net operating income | $489,000 | 8,007 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $196,000 | 7,198 |
| Income before extraordinary items | $293,000 | 8,482 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $293,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,057 |
| Cash dividends | $65,000 | 7,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $293,000 | 8,423 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,961,000 | 9,776 |
| Total interest expense | $947,000 | 9,440 |
| Net interest income | $1,014,000 | 9,903 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,224 |
| Total noninterest expense | $731,000 | 10,065 |
| Salaries and employee benefits | $303,000 | 10,724 |
| Premises and equipment expense | $76,000 | 10,320 |
| Additional noninterest expense | $352,000 | 8,676 |
| Pre-tax net operating income | $395,000 | 9,102 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $159,000 | 8,113 |
| Income before extraordinary items | $236,000 | 9,546 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $236,000 | 9,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $236,000 | 9,526 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,745,000 | 10,275 |
| Total interest expense | $769,000 | 9,759 |
| Net interest income | $976,000 | 10,472 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $118,000 | 10,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,081 |
| Total noninterest expense | $745,000 | 10,495 |
| Salaries and employee benefits | $301,000 | 11,193 |
| Premises and equipment expense | $75,000 | 10,805 |
| Additional noninterest expense | $369,000 | 9,130 |
| Pre-tax net operating income | $342,000 | 9,797 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $133,000 | 8,646 |
| Income before extraordinary items | $209,000 | 10,175 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $209,000 | 10,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $209,000 | 10,219 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,678,000 | 10,851 |
| Total interest expense | $720,000 | 10,466 |
| Net interest income | $958,000 | 10,930 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $132,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,614 |
| Total noninterest expense | $764,000 | 10,850 |
| Salaries and employee benefits | $306,000 | 11,583 |
| Premises and equipment expense | $75,000 | 11,339 |
| Additional noninterest expense | $383,000 | 9,447 |
| Pre-tax net operating income | $326,000 | 10,010 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $126,000 | 9,172 |
| Income before extraordinary items | $218,000 | 10,441 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $218,000 | 10,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $206,480 | 10,345 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,695,000 | 11,527 |
| Total interest expense | $746,000 | 11,598 |
| Net interest income | $949,000 | 11,299 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $125,000 | 11,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $801,000 | 10,992 |
| Salaries and employee benefits | $330,000 | 11,663 |
| Premises and equipment expense | $76,000 | 11,645 |
| Additional noninterest expense | $395,000 | 9,613 |
| Pre-tax net operating income | $249,000 | 10,613 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $96,000 | 10,025 |
| Income before extraordinary items | $153,000 | 11,234 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $153,000 | 11,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $153,000 | 10,894 |
* 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.