Home > First National Bank of Effingham > Income and Expense
First National Bank of Effingham, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,791,000 | 5,211 |
| Total interest expense | $2,562,000 | 5,468 |
| Net interest income | $3,229,000 | 4,893 |
| Provision for loan and lease losses | $590,000 | 1,652 |
| Total noninterest income | $576,000 | 4,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,870 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $2,407,000 | 4,979 |
| Salaries and employee benefits | $1,071,000 | 5,653 |
| Premises and equipment expense | $463,000 | 4,036 |
| Additional noninterest expense | $873,000 | 4,447 |
| Pre-tax net operating income | $808,000 | 5,847 |
| Securities gains (losses) | $-88,000 | 9,385 |
| Applicable income taxes | $278,000 | 4,746 |
| Income before extraordinary items | $442,000 | 6,617 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $442,000 | 6,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $767,000 | 903 |
| Cash dividends | $178,000 | 5,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $498,320 | 6,360 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 5,489 |
| Total interest expense | $2,129,000 | 5,765 |
| Net interest income | $2,982,000 | 5,183 |
| Provision for loan and lease losses | $192,000 | 3,644 |
| Total noninterest income | $609,000 | 4,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $465,000 | 2,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $2,054,000 | 5,587 |
| Salaries and employee benefits | $815,000 | 6,687 |
| Premises and equipment expense | $453,000 | 4,097 |
| Additional noninterest expense | $786,000 | 4,857 |
| Pre-tax net operating income | $1,345,000 | 4,418 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $447,000 | 3,876 |
| Income before extraordinary items | $898,000 | 4,752 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $898,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,024 |
| Cash dividends | $324,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $898,000 | 4,709 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,317,000 | 5,437 |
| Total interest expense | $2,378,000 | 5,561 |
| Net interest income | $2,939,000 | 5,205 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $534,000 | 4,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $449,000 | 2,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,031 |
| Total noninterest expense | $2,093,000 | 5,420 |
| Salaries and employee benefits | $801,000 | 6,682 |
| Premises and equipment expense | $451,000 | 4,001 |
| Additional noninterest expense | $841,000 | 4,509 |
| Pre-tax net operating income | $1,200,000 | 4,881 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $383,000 | 4,536 |
| Income before extraordinary items | $817,000 | 5,123 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $817,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,189 |
| Cash dividends | $246,000 | 5,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $817,000 | 5,034 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,140,000 | 5,677 |
| Total interest expense | $2,370,000 | 5,623 |
| Net interest income | $2,770,000 | 5,628 |
| Provision for loan and lease losses | $295,000 | 2,666 |
| Total noninterest income | $523,000 | 4,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,136 |
| Total noninterest expense | $2,110,000 | 5,445 |
| Salaries and employee benefits | $922,000 | 6,179 |
| Premises and equipment expense | $427,000 | 4,224 |
| Additional noninterest expense | $761,000 | 4,913 |
| Pre-tax net operating income | $888,000 | 6,187 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $261,000 | 6,143 |
| Income before extraordinary items | $627,000 | 6,223 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $627,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,088 |
| Cash dividends | $231,000 | 5,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $627,000 | 6,170 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,578,000 | 6,318 |
| Total interest expense | $2,343,000 | 5,769 |
| Net interest income | $2,235,000 | 6,694 |
| Provision for loan and lease losses | $194,000 | 3,495 |
| Total noninterest income | $450,000 | 5,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,167 |
| Total noninterest expense | $1,912,000 | 6,134 |
| Salaries and employee benefits | $834,000 | 6,805 |
| Premises and equipment expense | $321,000 | 5,318 |
| Additional noninterest expense | $757,000 | 5,419 |
| Pre-tax net operating income | $579,000 | 7,532 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $180,000 | 7,435 |
| Income before extraordinary items | $399,000 | 7,629 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $399,000 | 7,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 2,099 |
| Cash dividends | $46,000 | 7,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $399,000 | 7,563 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,581,000 | 7,447 |
| Total interest expense | $1,765,000 | 6,978 |
| Net interest income | $1,814,000 | 7,732 |
| Provision for loan and lease losses | $299,000 | 2,320 |
| Total noninterest income | $432,000 | 5,683 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,931 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,273 |
| Total noninterest expense | $1,671,000 | 6,798 |
| Salaries and employee benefits | $792,000 | 7,144 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $639,000 | 6,263 |
| Pre-tax net operating income | $278,000 | 9,917 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $186,000 | 10,097 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $186,000 | 10,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,931 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $186,000 | 10,062 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 9,080 |
| Total interest expense | $928,000 | 9,004 |
| Net interest income | $1,479,000 | 8,941 |
| Provision for loan and lease losses | $97,000 | 4,641 |
| Total noninterest income | $309,000 | 7,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,856 |
| Total noninterest expense | $1,122,000 | 8,894 |
| Salaries and employee benefits | $535,000 | 9,081 |
| Premises and equipment expense | $134,000 | 8,981 |
| Additional noninterest expense | $453,000 | 8,283 |
| Pre-tax net operating income | $569,000 | 8,190 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $186,000 | 7,598 |
| Income before extraordinary items | $383,000 | 8,330 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $383,000 | 8,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $383,000 | 8,378 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 10,692 |
| Total interest expense | $742,000 | 10,351 |
| Net interest income | $1,013,000 | 10,735 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $237,000 | 8,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 6,134 |
| Total noninterest expense | $928,000 | 10,066 |
| Salaries and employee benefits | $445,000 | 10,204 |
| Premises and equipment expense | $108,000 | 10,198 |
| Additional noninterest expense | $375,000 | 9,539 |
| Pre-tax net operating income | $182,000 | 11,194 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $57,000 | 10,777 |
| Income before extraordinary items | $127,000 | 11,494 |
| Extraordinary gains, net | $218,000 | 955 |
| Net income | $345,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,954 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $125,620 | 11,295 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 12,505 |
| Total interest expense | $572,000 | 12,427 |
| Net interest income | $672,000 | 12,431 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $159,000 | 10,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 7,446 |
| Total noninterest expense | $762,000 | 11,191 |
| Salaries and employee benefits | $374,000 | 11,165 |
| Premises and equipment expense | $95,000 | 10,910 |
| Additional noninterest expense | $293,000 | 10,932 |
| Pre-tax net operating income | $-13,000 | 12,770 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $20,000 | 12,775 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $20,000 | 12,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-13,000 | 12,717 |
* 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.