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 | $4,209,000 | 3,247 |
Total interest expense | $1,742,000 | 2,244 |
Net interest income | $2,467,000 | 3,822 |
Provision for loan and lease losses | $396,000 | 1,249 |
Total noninterest income | $572,000 | 3,281 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $249,000 | 3,164 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $323,000 | 2,863 |
Total noninterest expense | $2,844,000 | 2,756 |
Salaries and employee benefits | $1,404,000 | 3,009 |
Premises and equipment expense | $345,000 | 3,175 |
Additional noninterest expense | $1,095,000 | 2,212 |
Pre-tax net operating income | $-201,000 | 8,772 |
Securities gains (losses) | $-7,000 | 8,631 |
Applicable income taxes | $0 | 7,214 |
Income before extraordinary items | $-208,000 | 8,805 |
Extraordinary gains, net | $0 | 21 |
Net income | $-208,000 | 8,806 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $442,000 | 776 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $-201,000 | 8,774 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $2,175,000 | 3,153 |
Total interest expense | $932,000 | 2,143 |
Net interest income | $1,243,000 | 3,786 |
Provision for loan and lease losses | $193,000 | 1,193 |
Total noninterest income | $332,000 | 2,900 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $128,000 | 3,017 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $204,000 | 2,451 |
Total noninterest expense | $1,596,000 | 2,506 |
Salaries and employee benefits | $775,000 | 2,771 |
Premises and equipment expense | $173,000 | 3,191 |
Additional noninterest expense | $648,000 | 1,827 |
Pre-tax net operating income | $-214,000 | 8,921 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $0 | 7,103 |
Income before extraordinary items | $-214,000 | 8,951 |
Extraordinary gains, net | $0 | 16 |
Net income | $-214,000 | 8,951 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $358,000 | 540 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $-214,000 | 8,927 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $11,906,000 | 2,400 |
Total interest expense | $5,636,000 | 1,597 |
Net interest income | $6,270,000 | 3,067 |
Provision for loan and lease losses | $5,849,000 | 296 |
Total noninterest income | $1,817,000 | 2,475 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $608,000 | 2,664 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $1,209,000 | 2,111 |
Total noninterest expense | $7,168,000 | 2,198 |
Salaries and employee benefits | $3,450,000 | 2,441 |
Premises and equipment expense | $762,000 | 2,875 |
Additional noninterest expense | $2,956,000 | 1,652 |
Pre-tax net operating income | $-4,930,000 | 9,139 |
Securities gains (losses) | $44,000 | 2,634 |
Applicable income taxes | $153,000 | 5,252 |
Income before extraordinary items | $-5,039,000 | 9,156 |
Extraordinary gains, net | $0 | 54 |
Net income | $-5,039,000 | 9,157 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $3,779,000 | 341 |
Cash dividends | $131,000 | 5,351 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $-5,083,000 | 9,133 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $9,479,000 | 2,311 |
Total interest expense | $4,526,000 | 1,537 |
Net interest income | $4,953,000 | 2,920 |
Provision for loan and lease losses | $3,898,000 | 336 |
Total noninterest income | $1,618,000 | 2,234 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $460,000 | 2,669 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $1,158,000 | 1,854 |
Total noninterest expense | $5,155,000 | 2,296 |
Salaries and employee benefits | $2,542,000 | 2,484 |
Premises and equipment expense | $599,000 | 2,778 |
Additional noninterest expense | $2,014,000 | 1,797 |
Pre-tax net operating income | $-2,482,000 | 9,173 |
Securities gains (losses) | $44,000 | 2,422 |
Applicable income taxes | $-973,000 | 9,203 |
Income before extraordinary items | $-1,465,000 | 9,168 |
Extraordinary gains, net | $0 | 40 |
Net income | $-1,465,000 | 9,168 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,710,000 | 489 |
Cash dividends | $131,000 | 4,499 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $-1,493,160 | 9,138 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $6,689,000 | 2,178 |
Total interest expense | $3,224,000 | 1,492 |
Net interest income | $3,465,000 | 2,785 |
Provision for loan and lease losses | $3,349,000 | 268 |
Total noninterest income | $1,040,000 | 2,287 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $312,000 | 2,570 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $728,000 | 1,908 |
Total noninterest expense | $3,521,000 | 2,228 |
Salaries and employee benefits | $1,621,000 | 2,590 |
Premises and equipment expense | $421,000 | 2,645 |
Additional noninterest expense | $1,479,000 | 1,641 |
Pre-tax net operating income | $-2,365,000 | 9,226 |
Securities gains (losses) | $45,000 | 2,091 |
Applicable income taxes | $-850,000 | 9,236 |
Income before extraordinary items | $-1,470,000 | 9,234 |
Extraordinary gains, net | $0 | 30 |
Net income | $-1,470,000 | 9,234 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $751,000 | 626 |
Cash dividends | $131,000 | 3,993 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $-1,498,800 | 9,201 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $3,473,000 | 2,118 |
Total interest expense | $1,704,000 | 1,457 |
Net interest income | $1,769,000 | 2,739 |
Provision for loan and lease losses | $709,000 | 491 |
Total noninterest income | $544,000 | 2,151 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $160,000 | 2,454 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $384,000 | 1,787 |
Total noninterest expense | $1,499,000 | 2,589 |
Salaries and employee benefits | $748,000 | 2,777 |
Premises and equipment expense | $176,000 | 3,069 |
Additional noninterest expense | $575,000 | 2,049 |
Pre-tax net operating income | $105,000 | 7,111 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $-12,000 | 9,084 |
Income before extraordinary items | $117,000 | 6,600 |
Extraordinary gains, net | $0 | 21 |
Net income | $117,000 | 6,599 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $275,000 | 758 |
Cash dividends | $66,000 | 3,253 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $117,000 | 6,432 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $15,114,000 | 2,037 |
Total interest expense | $7,679,000 | 1,474 |
Net interest income | $7,435,000 | 2,578 |
Provision for loan and lease losses | $5,337,000 | 369 |
Total noninterest income | $1,498,000 | 2,617 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $635,000 | 2,464 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $863,000 | 2,383 |
Total noninterest expense | $5,457,000 | 2,704 |
Salaries and employee benefits | $2,600,000 | 3,023 |
Premises and equipment expense | $682,000 | 3,062 |
Additional noninterest expense | $2,175,000 | 2,137 |
Pre-tax net operating income | $-1,861,000 | 9,240 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $-803,000 | 9,285 |
Income before extraordinary items | $-1,058,000 | 9,192 |
Extraordinary gains, net | $0 | 70 |
Net income | $-1,058,000 | 9,191 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,053,000 | 555 |
Cash dividends | $489,000 | 3,515 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $-1,058,000 | 9,157 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $13,417,000 | 2,552 |
Total interest expense | $7,009,000 | 2,287 |
Net interest income | $6,408,000 | 2,771 |
Provision for loan and lease losses | $886,000 | 1,377 |
Total noninterest income | $1,096,000 | 3,127 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $468,000 | 2,997 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $628,000 | 2,756 |
Total noninterest expense | $4,228,000 | 3,260 |
Salaries and employee benefits | $2,103,000 | 3,449 |
Premises and equipment expense | $594,000 | 3,382 |
Additional noninterest expense | $1,531,000 | 2,823 |
Pre-tax net operating income | $2,390,000 | 2,760 |
Securities gains (losses) | $36,000 | 2,670 |
Applicable income taxes | $697,000 | 2,679 |
Income before extraordinary items | $1,729,000 | 2,889 |
Extraordinary gains, net | $0 | 105 |
Net income | $1,729,000 | 2,892 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $501,000 | 1,562 |
Cash dividends | $510,000 | 3,407 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $1,703,440 | 2,834 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $9,607,000 | 3,525 |
Total interest expense | $4,867,000 | 3,402 |
Net interest income | $4,740,000 | 3,636 |
Provision for loan and lease losses | $523,000 | 1,809 |
Total noninterest income | $909,000 | 3,367 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $513,000 | 2,639 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $396,000 | 3,369 |
Total noninterest expense | $3,286,000 | 3,925 |
Salaries and employee benefits | $1,611,000 | 4,129 |
Premises and equipment expense | $453,000 | 4,113 |
Additional noninterest expense | $1,222,000 | 3,373 |
Pre-tax net operating income | $1,840,000 | 3,524 |
Securities gains (losses) | $1,000 | 1,732 |
Applicable income taxes | $534,000 | 3,338 |
Income before extraordinary items | $1,307,000 | 3,622 |
Extraordinary gains, net | $0 | 38 |
Net income | $1,307,000 | 3,622 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $260,000 | 2,003 |
Cash dividends | $342,000 | 4,247 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $1,306,290 | 3,608 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $5,843,000 | 5,042 |
Total interest expense | $2,388,000 | 5,349 |
Net interest income | $3,455,000 | 4,687 |
Provision for loan and lease losses | $300,000 | 2,624 |
Total noninterest income | $796,000 | 3,628 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $454,000 | 2,872 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $342,000 | 3,734 |
Total noninterest expense | $2,756,000 | 4,527 |
Salaries and employee benefits | $1,293,000 | 4,894 |
Premises and equipment expense | $432,000 | 4,259 |
Additional noninterest expense | $1,031,000 | 3,920 |
Pre-tax net operating income | $1,195,000 | 4,778 |
Securities gains (losses) | $4,000 | 2,267 |
Applicable income taxes | $357,000 | 4,429 |
Income before extraordinary items | $842,000 | 4,934 |
Extraordinary gains, net | $0 | 35 |
Net income | $842,000 | 4,934 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $146,000 | 2,903 |
Cash dividends | $225,000 | 5,033 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $839,200 | 4,906 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $4,913,000 | 5,748 |
Total interest expense | $2,033,000 | 6,131 |
Net interest income | $2,880,000 | 5,287 |
Provision for loan and lease losses | $430,000 | 1,945 |
Total noninterest income | $745,000 | 3,805 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $393,000 | 3,183 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $352,000 | 3,690 |
Total noninterest expense | $2,725,000 | 4,478 |
Salaries and employee benefits | $1,175,000 | 5,149 |
Premises and equipment expense | $447,000 | 4,038 |
Additional noninterest expense | $1,103,000 | 3,616 |
Pre-tax net operating income | $470,000 | 7,531 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $124,000 | 7,196 |
Income before extraordinary items | $346,000 | 7,552 |
Extraordinary gains, net | $0 | 32 |
Net income | $346,000 | 7,552 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $471,000 | 1,318 |
Cash dividends | $157,000 | 5,728 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $346,000 | 7,474 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $4,696,000 | 6,050 |
Total interest expense | $1,910,000 | 6,446 |
Net interest income | $2,786,000 | 5,601 |
Provision for loan and lease losses | $84,000 | 5,567 |
Total noninterest income | $670,000 | 4,093 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $408,000 | 3,167 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $262,000 | 4,259 |
Total noninterest expense | $2,722,000 | 4,447 |
Salaries and employee benefits | $1,024,000 | 5,767 |
Premises and equipment expense | $466,000 | 3,932 |
Additional noninterest expense | $1,232,000 | 3,284 |
Pre-tax net operating income | $650,000 | 7,204 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $224,000 | 6,578 |
Income before extraordinary items | $426,000 | 7,469 |
Extraordinary gains, net | $0 | 44 |
Net income | $426,000 | 7,472 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $56,000 | 4,933 |
Cash dividends | $50,000 | 7,161 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $426,000 | 7,419 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $4,244,000 | 6,631 |
Total interest expense | $1,744,000 | 6,971 |
Net interest income | $2,500,000 | 6,190 |
Provision for loan and lease losses | $84,000 | 5,516 |
Total noninterest income | $544,000 | 4,876 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $301,000 | 4,214 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $243,000 | 4,611 |
Total noninterest expense | $2,471,000 | 5,059 |
Salaries and employee benefits | $1,011,000 | 5,939 |
Premises and equipment expense | $359,000 | 4,932 |
Additional noninterest expense | $1,101,000 | 4,053 |
Pre-tax net operating income | $489,000 | 8,007 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $169,000 | 7,593 |
Income before extraordinary items | $320,000 | 8,250 |
Extraordinary gains, net | $0 | 53 |
Net income | $320,000 | 8,249 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $93,000 | 4,082 |
Cash dividends | $14,000 | 8,151 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $320,000 | 8,186 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $3,901,000 | 7,107 |
Total interest expense | $1,683,000 | 7,180 |
Net interest income | $2,218,000 | 6,836 |
Provision for loan and lease losses | $0 | 8,958 |
Total noninterest income | $486,000 | 5,291 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $277,000 | 4,586 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $209,000 | 5,004 |
Total noninterest expense | $2,187,000 | 5,588 |
Salaries and employee benefits | $1,007,000 | 6,031 |
Premises and equipment expense | $186,000 | 7,481 |
Additional noninterest expense | $994,000 | 4,369 |
Pre-tax net operating income | $517,000 | 8,343 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $173,000 | 7,875 |
Income before extraordinary items | $344,000 | 8,533 |
Extraordinary gains, net | $0 | 65 |
Net income | $344,000 | 8,537 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $80,000 | 4,210 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $344,000 | 8,498 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $3,466,000 | 7,379 |
Total interest expense | $1,356,000 | 7,370 |
Net interest income | $2,110,000 | 7,300 |
Provision for loan and lease losses | $7,000 | 8,694 |
Total noninterest income | $560,000 | 4,891 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $335,000 | 3,981 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $225,000 | 4,885 |
Total noninterest expense | $4,207,000 | 3,262 |
Salaries and employee benefits | $1,037,000 | 5,912 |
Premises and equipment expense | $160,000 | 8,293 |
Additional noninterest expense | $3,010,000 | 1,800 |
Pre-tax net operating income | $-1,544,000 | 12,500 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $-514,000 | 12,488 |
Income before extraordinary items | $-1,030,000 | 12,429 |
Extraordinary gains, net | $0 | 249 |
Net income | $-1,030,000 | 12,425 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $18,000 | 6,783 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $-1,030,000 | 12,425 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $3,631,000 | 7,359 |
Total interest expense | $1,511,000 | 7,171 |
Net interest income | $2,120,000 | 7,384 |
Provision for loan and lease losses | $150,000 | 4,621 |
Total noninterest income | $752,000 | 4,203 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $294,000 | 4,503 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $458,000 | 3,442 |
Total noninterest expense | $2,406,000 | 5,434 |
Salaries and employee benefits | $996,000 | 6,156 |
Premises and equipment expense | $128,000 | 9,539 |
Additional noninterest expense | $1,282,000 | 3,973 |
Pre-tax net operating income | $316,000 | 10,108 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $65,000 | 10,597 |
Income before extraordinary items | $251,000 | 10,031 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $251,000 | 10,168 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $224,000 | 2,916 |
Cash dividends | $7,000 | 8,964 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $251,000 | 9,782 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $4,528,000 | 6,869 |
Total interest expense | $1,909,000 | 7,325 |
Net interest income | $2,619,000 | 6,378 |
Provision for loan and lease losses | $502,000 | 2,986 |
Total noninterest income | $288,000 | 7,888 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $245,000 | 5,208 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $43,000 | 10,841 |
Total noninterest expense | $2,243,000 | 5,816 |
Salaries and employee benefits | $1,027,000 | 5,885 |
Premises and equipment expense | $215,000 | 7,514 |
Additional noninterest expense | $1,001,000 | 5,045 |
Pre-tax net operating income | $162,000 | 11,403 |
Securities gains (losses) | $4,000 | 7,235 |
Applicable income taxes | $39,000 | 11,559 |
Income before extraordinary items | $127,000 | 11,587 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $127,000 | 11,668 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $454,000 | 2,624 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $123,920 | 11,316 |
* 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.