Home > First National Bank of Grady County > Income and Expense
First National Bank of Grady County, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,159,000 | 3,349 |
| Total interest expense | $4,189,000 | 3,835 |
| Net interest income | $5,970,000 | 2,957 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $516,000 | 4,837 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $361,000 | 3,498 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $155,000 | 5,391 |
| Total noninterest expense | $3,501,000 | 3,700 |
| Salaries and employee benefits | $1,514,000 | 4,332 |
| Premises and equipment expense | $475,000 | 3,949 |
| Additional noninterest expense | $1,512,000 | 2,795 |
| Pre-tax net operating income | $2,745,000 | 2,568 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000,000 | 2,120 |
| Income before extraordinary items | $1,745,000 | 2,867 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,745,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,684 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,745,000 | 2,864 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,006,000 | 3,218 |
| Total interest expense | $3,697,000 | 3,844 |
| Net interest income | $6,309,000 | 2,790 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $739,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $520,000 | 2,537 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $219,000 | 4,731 |
| Total noninterest expense | $4,421,000 | 3,033 |
| Salaries and employee benefits | $1,786,000 | 3,764 |
| Premises and equipment expense | $455,000 | 4,083 |
| Additional noninterest expense | $2,180,000 | 1,996 |
| Pre-tax net operating income | $2,387,000 | 2,900 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,158,000 | 1,979 |
| Income before extraordinary items | $1,229,000 | 3,803 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,229,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,408 |
| Cash dividends | $365,000 | 4,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,229,000 | 3,771 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,871,000 | 3,267 |
| Total interest expense | $3,938,000 | 3,744 |
| Net interest income | $5,933,000 | 2,908 |
| Provision for loan and lease losses | $279,000 | 2,790 |
| Total noninterest income | $775,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $555,000 | 2,325 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $220,000 | 4,722 |
| Total noninterest expense | $3,124,000 | 3,976 |
| Salaries and employee benefits | $1,923,000 | 3,459 |
| Premises and equipment expense | $396,000 | 4,453 |
| Additional noninterest expense | $805,000 | 4,658 |
| Pre-tax net operating income | $3,305,000 | 2,180 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $1,165,000 | 2,051 |
| Income before extraordinary items | $2,134,000 | 2,412 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,134,000 | 2,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,100 |
| Cash dividends | $365,000 | 4,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,137,900 | 2,325 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,317,000 | 3,468 |
| Total interest expense | $3,572,000 | 4,070 |
| Net interest income | $5,745,000 | 3,039 |
| Provision for loan and lease losses | $540,000 | 1,667 |
| Total noninterest income | $895,000 | 3,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $706,000 | 1,842 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,092 |
| Total noninterest expense | $3,053,000 | 4,038 |
| Salaries and employee benefits | $1,893,000 | 3,472 |
| Premises and equipment expense | $381,000 | 4,611 |
| Additional noninterest expense | $779,000 | 4,819 |
| Pre-tax net operating income | $3,047,000 | 2,458 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $1,083,000 | 2,278 |
| Income before extraordinary items | $1,955,000 | 2,632 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,955,000 | 2,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,403 |
| Cash dividends | $303,000 | 4,502 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 787 |
| Net operating income | $1,960,760 | 2,585 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,263,000 | 3,914 |
| Total interest expense | $3,158,000 | 4,565 |
| Net interest income | $5,105,000 | 3,471 |
| Provision for loan and lease losses | $400,000 | 2,077 |
| Total noninterest income | $966,000 | 3,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $696,000 | 1,951 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,328 |
| Total noninterest expense | $2,758,000 | 4,619 |
| Salaries and employee benefits | $1,749,000 | 3,764 |
| Premises and equipment expense | $336,000 | 5,155 |
| Additional noninterest expense | $673,000 | 5,901 |
| Pre-tax net operating income | $2,913,000 | 2,435 |
| Securities gains (losses) | $-28,000 | 10,807 |
| Applicable income taxes | $1,031,000 | 2,292 |
| Income before extraordinary items | $1,854,000 | 2,619 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,854,000 | 2,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,872 |
| Cash dividends | $303,000 | 4,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,871,920 | 2,561 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,640,000 | 4,188 |
| Total interest expense | $2,878,000 | 4,943 |
| Net interest income | $4,762,000 | 3,692 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $667,000 | 4,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $533,000 | 2,523 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $2,609,000 | 4,815 |
| Salaries and employee benefits | $1,558,000 | 4,150 |
| Premises and equipment expense | $337,000 | 5,179 |
| Additional noninterest expense | $714,000 | 5,748 |
| Pre-tax net operating income | $2,580,000 | 2,759 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $908,000 | 2,576 |
| Income before extraordinary items | $1,658,000 | 2,966 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,658,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 675 |
| Net operating income | $1,667,100 | 2,916 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,174,000 | 4,744 |
| Total interest expense | $2,066,000 | 5,472 |
| Net interest income | $4,108,000 | 4,277 |
| Provision for loan and lease losses | $288,000 | 2,356 |
| Total noninterest income | $579,000 | 4,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $464,000 | 2,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,070 |
| Total noninterest expense | $2,334,000 | 5,481 |
| Salaries and employee benefits | $1,349,000 | 4,722 |
| Premises and equipment expense | $252,000 | 6,490 |
| Additional noninterest expense | $733,000 | 6,109 |
| Pre-tax net operating income | $2,065,000 | 3,334 |
| Securities gains (losses) | $-23,000 | 10,454 |
| Applicable income taxes | $685,000 | 3,143 |
| Income before extraordinary items | $1,357,000 | 3,453 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,357,000 | 3,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,895 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,372,180 | 3,455 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,801,000 | 5,106 |
| Total interest expense | $2,060,000 | 5,694 |
| Net interest income | $3,741,000 | 4,680 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $543,000 | 5,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,342 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 7,048 |
| Total noninterest expense | $2,173,000 | 5,920 |
| Salaries and employee benefits | $1,241,000 | 5,087 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $683,000 | 6,682 |
| Pre-tax net operating income | $1,871,000 | 3,539 |
| Securities gains (losses) | $-51,000 | 13,093 |
| Applicable income taxes | $588,000 | 3,672 |
| Income before extraordinary items | $1,232,000 | 3,918 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,232,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 3,055 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,266,680 | 3,605 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,055,000 | 5,444 |
| Total interest expense | $2,711,000 | 5,622 |
| Net interest income | $3,344,000 | 5,218 |
| Provision for loan and lease losses | $290,000 | 4,227 |
| Total noninterest income | $506,000 | 5,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $411,000 | 3,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 8,250 |
| Total noninterest expense | $2,042,000 | 6,273 |
| Salaries and employee benefits | $1,131,000 | 5,460 |
| Premises and equipment expense | $254,000 | 6,707 |
| Additional noninterest expense | $657,000 | 7,054 |
| Pre-tax net operating income | $1,518,000 | 4,004 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $448,000 | 4,381 |
| Income before extraordinary items | $1,090,000 | 4,161 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,090,000 | 4,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 4,233 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,075,800 | 3,908 |
* 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.