Home > First National Bank of Dayton > Income and Expense

First National Bank of Dayton, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,152,000	10,589
Total interest expense	$383,000	10,916
Net interest income	$769,000	10,195
Provision for loan and lease losses	$-9,000	11,086
Total noninterest income	$284,000	7,138
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$256,000	4,744
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$795,000	9,443
Salaries and employee benefits	$420,000	9,472
Premises and equipment expense	$79,000	9,841
Additional noninterest expense	$296,000	8,928
Pre-tax net operating income	$267,000	9,358
Securities gains (losses)	$7,000	2,762
Applicable income taxes	$49,000	9,705
Income before extraordinary items	$225,000	9,053
Extraordinary gains, net	$0	53
Net income	$225,000	9,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$219,260	9,064
1995-12-31 (YTD Data)		Rank
Total interest income	$1,262,000	10,900
Total interest expense	$387,000	11,369
Net interest income	$875,000	10,321
Provision for loan and lease losses	$-23,000	11,487
Total noninterest income	$317,000	6,895
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$240,000	5,071
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,059
Total noninterest expense	$874,000	9,461
Salaries and employee benefits	$428,000	9,714
Premises and equipment expense	$80,000	10,197
Additional noninterest expense	$366,000	8,529
Pre-tax net operating income	$341,000	9,451
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$105,000	9,072
Income before extraordinary items	$238,000	9,523
Extraordinary gains, net	$0	65
Net income	$238,000	9,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	11,488
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$236,620	9,523
1994-12-31 (YTD Data)		Rank
Total interest income	$1,006,000	11,697
Total interest expense	$330,000	11,903
Net interest income	$676,000	11,469
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$259,000	7,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,444
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,027,000	9,252
Salaries and employee benefits	$410,000	10,198
Premises and equipment expense	$82,000	10,584
Additional noninterest expense	$535,000	7,558
Pre-tax net operating income	$-112,000	12,210
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$-112,000	12,167
Extraordinary gains, net	$0	249
Net income	$-112,000	12,168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,338
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-112,000	12,184
1993-12-31 (YTD Data)		Rank
Total interest income	$1,132,000	12,020
Total interest expense	$375,000	12,332
Net interest income	$757,000	11,675
Provision for loan and lease losses	$8,000	9,904
Total noninterest income	$308,000	7,559
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	5,437
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$1,092,000	9,351
Salaries and employee benefits	$388,000	10,763
Premises and equipment expense	$88,000	10,858
Additional noninterest expense	$610,000	7,243
Pre-tax net operating income	$-35,000	12,512
Securities gains (losses)	$145,000	2,015
Applicable income taxes	$0	12,141
Income before extraordinary items	$110,000	11,698
Extraordinary gains, net	$506,000	460
Net income	$616,000	6,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,735
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$80,000	926
Net operating income	$-35,000	12,481
1992-12-31 (YTD Data)		Rank
Total interest income	$1,468,000	12,040
Total interest expense	$680,000	11,924
Net interest income	$788,000	11,960
Provision for loan and lease losses	$0	11,756
Total noninterest income	$411,000	6,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$250,000	5,136
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	6,391
Total noninterest expense	$1,104,000	9,494
Salaries and employee benefits	$382,000	11,066
Premises and equipment expense	$94,000	10,953
Additional noninterest expense	$628,000	7,274
Pre-tax net operating income	$95,000	12,075
Securities gains (losses)	$39,000	4,543
Applicable income taxes	$36,000	11,628
Income before extraordinary items	$98,000	11,965
Extraordinary gains, net	$36,000	1,087
Net income	$134,000	11,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	7,201
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$212,000	717
Net operating income	$69,530	12,070

* 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.