Home > First National Bank of Gaylord > Income and Expense

First National Bank of Gaylord, Income and Expense

2004-06-30 (YTD Data)Rank
Total interest income$4,209,0003,247
Total interest expense$1,742,0002,244
Net interest income$2,467,0003,822
Provision for loan and lease losses$396,0001,249
Total noninterest income$572,0003,281
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$249,0003,164
Trading account gains and fees$0130
Additional Noninterest Income$323,0002,863
Total noninterest expense$2,844,0002,756
Salaries and employee benefits$1,404,0003,009
Premises and equipment expense$345,0003,175
Additional noninterest expense$1,095,0002,212
Pre-tax net operating income$-201,0008,772
Securities gains (losses)$-7,0008,631
Applicable income taxes$07,214
Income before extraordinary items$-208,0008,805
Extraordinary gains, net$021
Net income$-208,0008,806
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$442,000776
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-201,0008,774
2004-03-31 (YTD Data)Rank
Total interest income$2,175,0003,153
Total interest expense$932,0002,143
Net interest income$1,243,0003,786
Provision for loan and lease losses$193,0001,193
Total noninterest income$332,0002,900
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$128,0003,017
Trading account gains and fees$0121
Additional Noninterest Income$204,0002,451
Total noninterest expense$1,596,0002,506
Salaries and employee benefits$775,0002,771
Premises and equipment expense$173,0003,191
Additional noninterest expense$648,0001,827
Pre-tax net operating income$-214,0008,921
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$-214,0008,951
Extraordinary gains, net$016
Net income$-214,0008,951
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$358,000540
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-214,0008,927
2003-12-31 (YTD Data)Rank
Total interest income$11,906,0002,400
Total interest expense$5,636,0001,597
Net interest income$6,270,0003,067
Provision for loan and lease losses$5,849,000296
Total noninterest income$1,817,0002,475
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$608,0002,664
Trading account gains and fees$0160
Additional Noninterest Income$1,209,0002,111
Total noninterest expense$7,168,0002,198
Salaries and employee benefits$3,450,0002,441
Premises and equipment expense$762,0002,875
Additional noninterest expense$2,956,0001,652
Pre-tax net operating income$-4,930,0009,139
Securities gains (losses)$44,0002,634
Applicable income taxes$153,0005,252
Income before extraordinary items$-5,039,0009,156
Extraordinary gains, net$054
Net income$-5,039,0009,157
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,779,000341
Cash dividends$131,0005,351
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-5,083,0009,133
2003-09-30 (YTD Data)Rank
Total interest income$9,479,0002,311
Total interest expense$4,526,0001,537
Net interest income$4,953,0002,920
Provision for loan and lease losses$3,898,000336
Total noninterest income$1,618,0002,234
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$460,0002,669
Trading account gains and fees$0153
Additional Noninterest Income$1,158,0001,854
Total noninterest expense$5,155,0002,296
Salaries and employee benefits$2,542,0002,484
Premises and equipment expense$599,0002,778
Additional noninterest expense$2,014,0001,797
Pre-tax net operating income$-2,482,0009,173
Securities gains (losses)$44,0002,422
Applicable income taxes$-973,0009,203
Income before extraordinary items$-1,465,0009,168
Extraordinary gains, net$040
Net income$-1,465,0009,168
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,710,000489
Cash dividends$131,0004,499
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-1,493,1609,138
2003-06-30 (YTD Data)Rank
Total interest income$6,689,0002,178
Total interest expense$3,224,0001,492
Net interest income$3,465,0002,785
Provision for loan and lease losses$3,349,000268
Total noninterest income$1,040,0002,287
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$312,0002,570
Trading account gains and fees$0150
Additional Noninterest Income$728,0001,908
Total noninterest expense$3,521,0002,228
Salaries and employee benefits$1,621,0002,590
Premises and equipment expense$421,0002,645
Additional noninterest expense$1,479,0001,641
Pre-tax net operating income$-2,365,0009,226
Securities gains (losses)$45,0002,091
Applicable income taxes$-850,0009,236
Income before extraordinary items$-1,470,0009,234
Extraordinary gains, net$030
Net income$-1,470,0009,234
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$751,000626
Cash dividends$131,0003,993
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-1,498,8009,201
2003-03-31 (YTD Data)Rank
Total interest income$3,473,0002,118
Total interest expense$1,704,0001,457
Net interest income$1,769,0002,739
Provision for loan and lease losses$709,000491
Total noninterest income$544,0002,151
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$160,0002,454
Trading account gains and fees$0134
Additional Noninterest Income$384,0001,787
Total noninterest expense$1,499,0002,589
Salaries and employee benefits$748,0002,777
Premises and equipment expense$176,0003,069
Additional noninterest expense$575,0002,049
Pre-tax net operating income$105,0007,111
Securities gains (losses)$02,891
Applicable income taxes$-12,0009,084
Income before extraordinary items$117,0006,600
Extraordinary gains, net$021
Net income$117,0006,599
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$275,000758
Cash dividends$66,0003,253
Sale, conversion, retirement of capital stock, net$0419
Net operating income$117,0006,432
2002-12-31 (YTD Data)Rank
Total interest income$15,114,0002,037
Total interest expense$7,679,0001,474
Net interest income$7,435,0002,578
Provision for loan and lease losses$5,337,000369
Total noninterest income$1,498,0002,617
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$635,0002,464
Trading account gains and fees$0153
Additional Noninterest Income$863,0002,383
Total noninterest expense$5,457,0002,704
Salaries and employee benefits$2,600,0003,023
Premises and equipment expense$682,0003,062
Additional noninterest expense$2,175,0002,137
Pre-tax net operating income$-1,861,0009,240
Securities gains (losses)$04,537
Applicable income taxes$-803,0009,285
Income before extraordinary items$-1,058,0009,192
Extraordinary gains, net$070
Net income$-1,058,0009,191
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,053,000555
Cash dividends$489,0003,515
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-1,058,0009,157
2001-12-31 (YTD Data)Rank
Total interest income$13,417,0002,552
Total interest expense$7,009,0002,287
Net interest income$6,408,0002,771
Provision for loan and lease losses$886,0001,377
Total noninterest income$1,096,0003,127
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$468,0002,997
Trading account gains and fees$0177
Additional Noninterest Income$628,0002,756
Total noninterest expense$4,228,0003,260
Salaries and employee benefits$2,103,0003,449
Premises and equipment expense$594,0003,382
Additional noninterest expense$1,531,0002,823
Pre-tax net operating income$2,390,0002,760
Securities gains (losses)$36,0002,670
Applicable income taxes$697,0002,679
Income before extraordinary items$1,729,0002,889
Extraordinary gains, net$0105
Net income$1,729,0002,892
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$501,0001,562
Cash dividends$510,0003,407
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,703,4402,834
2000-12-31 (YTD Data)Rank
Total interest income$9,607,0003,525
Total interest expense$4,867,0003,402
Net interest income$4,740,0003,636
Provision for loan and lease losses$523,0001,809
Total noninterest income$909,0003,367
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$513,0002,639
Trading account gains and feesNANA
Additional Noninterest Income$396,0003,369
Total noninterest expense$3,286,0003,925
Salaries and employee benefits$1,611,0004,129
Premises and equipment expense$453,0004,113
Additional noninterest expense$1,222,0003,373
Pre-tax net operating income$1,840,0003,524
Securities gains (losses)$1,0001,732
Applicable income taxes$534,0003,338
Income before extraordinary items$1,307,0003,622
Extraordinary gains, net$038
Net income$1,307,0003,622
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$260,0002,003
Cash dividends$342,0004,247
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,306,2903,608
1999-12-31 (YTD Data)Rank
Total interest income$5,843,0005,042
Total interest expense$2,388,0005,349
Net interest income$3,455,0004,687
Provision for loan and lease losses$300,0002,624
Total noninterest income$796,0003,628
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$454,0002,872
Trading account gains and feesNANA
Additional Noninterest Income$342,0003,734
Total noninterest expense$2,756,0004,527
Salaries and employee benefits$1,293,0004,894
Premises and equipment expense$432,0004,259
Additional noninterest expense$1,031,0003,920
Pre-tax net operating income$1,195,0004,778
Securities gains (losses)$4,0002,267
Applicable income taxes$357,0004,429
Income before extraordinary items$842,0004,934
Extraordinary gains, net$035
Net income$842,0004,934
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$146,0002,903
Cash dividends$225,0005,033
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$839,2004,906
1998-12-31 (YTD Data)Rank
Total interest income$4,913,0005,748
Total interest expense$2,033,0006,131
Net interest income$2,880,0005,287
Provision for loan and lease losses$430,0001,945
Total noninterest income$745,0003,805
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$393,0003,183
Trading account gains and feesNANA
Additional Noninterest Income$352,0003,690
Total noninterest expense$2,725,0004,478
Salaries and employee benefits$1,175,0005,149
Premises and equipment expense$447,0004,038
Additional noninterest expense$1,103,0003,616
Pre-tax net operating income$470,0007,531
Securities gains (losses)$04,449
Applicable income taxes$124,0007,196
Income before extraordinary items$346,0007,552
Extraordinary gains, net$032
Net income$346,0007,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$471,0001,318
Cash dividends$157,0005,728
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$346,0007,474
1997-12-31 (YTD Data)Rank
Total interest income$4,696,0006,050
Total interest expense$1,910,0006,446
Net interest income$2,786,0005,601
Provision for loan and lease losses$84,0005,567
Total noninterest income$670,0004,093
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$408,0003,167
Trading account gains and feesNANA
Additional Noninterest Income$262,0004,259
Total noninterest expense$2,722,0004,447
Salaries and employee benefits$1,024,0005,767
Premises and equipment expense$466,0003,932
Additional noninterest expense$1,232,0003,284
Pre-tax net operating income$650,0007,204
Securities gains (losses)$03,944
Applicable income taxes$224,0006,578
Income before extraordinary items$426,0007,469
Extraordinary gains, net$044
Net income$426,0007,472
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0004,933
Cash dividends$50,0007,161
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$426,0007,419
1996-12-31 (YTD Data)Rank
Total interest income$4,244,0006,631
Total interest expense$1,744,0006,971
Net interest income$2,500,0006,190
Provision for loan and lease losses$84,0005,516
Total noninterest income$544,0004,876
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$301,0004,214
Trading account gains and feesNANA
Additional Noninterest Income$243,0004,611
Total noninterest expense$2,471,0005,059
Salaries and employee benefits$1,011,0005,939
Premises and equipment expense$359,0004,932
Additional noninterest expense$1,101,0004,053
Pre-tax net operating income$489,0008,007
Securities gains (losses)$04,148
Applicable income taxes$169,0007,593
Income before extraordinary items$320,0008,250
Extraordinary gains, net$053
Net income$320,0008,249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0004,082
Cash dividends$14,0008,151
Sale, conversion, retirement of capital stock, net$0953
Net operating income$320,0008,186
1995-12-31 (YTD Data)Rank
Total interest income$3,901,0007,107
Total interest expense$1,683,0007,180
Net interest income$2,218,0006,836
Provision for loan and lease losses$08,958
Total noninterest income$486,0005,291
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$277,0004,586
Trading account gains and feesNANA
Additional Noninterest Income$209,0005,004
Total noninterest expense$2,187,0005,588
Salaries and employee benefits$1,007,0006,031
Premises and equipment expense$186,0007,481
Additional noninterest expense$994,0004,369
Pre-tax net operating income$517,0008,343
Securities gains (losses)$03,831
Applicable income taxes$173,0007,875
Income before extraordinary items$344,0008,533
Extraordinary gains, net$065
Net income$344,0008,537
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0004,210
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$344,0008,498
1994-12-31 (YTD Data)Rank
Total interest income$3,466,0007,379
Total interest expense$1,356,0007,370
Net interest income$2,110,0007,300
Provision for loan and lease losses$7,0008,694
Total noninterest income$560,0004,891
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$335,0003,981
Trading account gains and feesNANA
Additional Noninterest Income$225,0004,885
Total noninterest expense$4,207,0003,262
Salaries and employee benefits$1,037,0005,912
Premises and equipment expense$160,0008,293
Additional noninterest expense$3,010,0001,800
Pre-tax net operating income$-1,544,00012,500
Securities gains (losses)$03,600
Applicable income taxes$-514,00012,488
Income before extraordinary items$-1,030,00012,429
Extraordinary gains, net$0249
Net income$-1,030,00012,425
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,783
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-1,030,00012,425
1993-12-31 (YTD Data)Rank
Total interest income$3,631,0007,359
Total interest expense$1,511,0007,171
Net interest income$2,120,0007,384
Provision for loan and lease losses$150,0004,621
Total noninterest income$752,0004,203
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$294,0004,503
Trading account gains and feesNANA
Additional Noninterest Income$458,0003,442
Total noninterest expense$2,406,0005,434
Salaries and employee benefits$996,0006,156
Premises and equipment expense$128,0009,539
Additional noninterest expense$1,282,0003,973
Pre-tax net operating income$316,00010,108
Securities gains (losses)$07,477
Applicable income taxes$65,00010,597
Income before extraordinary items$251,00010,031
Extraordinary gains, net$03,149
Net income$251,00010,168
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$224,0002,916
Cash dividends$7,0008,964
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$251,0009,782
1992-12-31 (YTD Data)Rank
Total interest income$4,528,0006,869
Total interest expense$1,909,0007,325
Net interest income$2,619,0006,378
Provision for loan and lease losses$502,0002,986
Total noninterest income$288,0007,888
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$245,0005,208
Trading account gains and feesNANA
Additional Noninterest Income$43,00010,841
Total noninterest expense$2,243,0005,816
Salaries and employee benefits$1,027,0005,885
Premises and equipment expense$215,0007,514
Additional noninterest expense$1,001,0005,045
Pre-tax net operating income$162,00011,403
Securities gains (losses)$4,0007,235
Applicable income taxes$39,00011,559
Income before extraordinary items$127,00011,587
Extraordinary gains, net$01,422
Net income$127,00011,668
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$454,0002,624
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$123,92011,316

* 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.