Home > First National Bank of Monticello > Income and Expense
First National Bank of Monticello, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,781,000 | 5,141 |
| Total interest expense | $2,346,000 | 5,603 |
| Net interest income | $3,435,000 | 4,663 |
| Provision for loan and lease losses | $49,000 | 6,673 |
| Total noninterest income | $958,000 | 3,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $505,000 | 2,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $453,000 | 3,170 |
| Total noninterest expense | $3,156,000 | 3,932 |
| Salaries and employee benefits | $1,665,000 | 3,909 |
| Premises and equipment expense | $584,000 | 3,246 |
| Additional noninterest expense | $907,000 | 4,270 |
| Pre-tax net operating income | $1,188,000 | 4,914 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $571,000 | 3,525 |
| Income before extraordinary items | $617,000 | 5,977 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $617,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $225,000 | 5,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $617,000 | 5,874 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,454,000 | 5,439 |
| Total interest expense | $2,033,000 | 6,199 |
| Net interest income | $3,421,000 | 4,809 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $975,000 | 3,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $493,000 | 2,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $482,000 | 2,895 |
| Total noninterest expense | $2,700,000 | 4,476 |
| Salaries and employee benefits | $1,472,000 | 4,324 |
| Premises and equipment expense | $357,000 | 4,821 |
| Additional noninterest expense | $871,000 | 4,438 |
| Pre-tax net operating income | $1,696,000 | 4,049 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $658,000 | 3,424 |
| Income before extraordinary items | $1,038,000 | 4,568 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,038,000 | 4,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 2,054 |
| Cash dividends | $260,000 | 4,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,038,000 | 4,504 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,106,000 | 5,848 |
| Total interest expense | $1,890,000 | 6,645 |
| Net interest income | $3,216,000 | 5,174 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,045,000 | 3,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $479,000 | 2,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $566,000 | 2,679 |
| Total noninterest expense | $2,534,000 | 4,947 |
| Salaries and employee benefits | $1,436,000 | 4,489 |
| Premises and equipment expense | $304,000 | 5,535 |
| Additional noninterest expense | $794,000 | 5,227 |
| Pre-tax net operating income | $1,727,000 | 3,855 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $659,000 | 3,326 |
| Income before extraordinary items | $1,068,000 | 4,247 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,068,000 | 4,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $144,000 | 6,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,068,000 | 4,190 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,409,000 | 6,557 |
| Total interest expense | $1,589,000 | 7,449 |
| Net interest income | $2,820,000 | 5,775 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $820,000 | 3,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 2,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $360,000 | 3,539 |
| Total noninterest expense | $2,391,000 | 5,193 |
| Salaries and employee benefits | $1,334,000 | 4,769 |
| Premises and equipment expense | $341,000 | 5,122 |
| Additional noninterest expense | $716,000 | 5,740 |
| Pre-tax net operating income | $1,249,000 | 5,123 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $489,000 | 4,266 |
| Income before extraordinary items | $759,000 | 5,659 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $759,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,724 |
| Cash dividends | $188,000 | 5,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $759,640 | 5,638 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,682,000 | 7,097 |
| Total interest expense | $1,122,000 | 8,209 |
| Net interest income | $2,560,000 | 6,346 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $813,000 | 3,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $419,000 | 3,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $394,000 | 3,436 |
| Total noninterest expense | $2,597,000 | 4,990 |
| Salaries and employee benefits | $1,363,000 | 4,682 |
| Premises and equipment expense | $459,000 | 4,088 |
| Additional noninterest expense | $775,000 | 5,854 |
| Pre-tax net operating income | $776,000 | 7,001 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $298,000 | 5,899 |
| Income before extraordinary items | $477,000 | 7,481 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $477,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 12,207 |
| Cash dividends | $110,000 | 6,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $477,640 | 7,520 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 7,591 |
| Total interest expense | $1,102,000 | 8,675 |
| Net interest income | $2,357,000 | 6,812 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,579,000 | 2,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,311 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,161,000 | 1,853 |
| Total noninterest expense | $2,726,000 | 4,886 |
| Salaries and employee benefits | $1,475,000 | 4,340 |
| Premises and equipment expense | $444,000 | 4,310 |
| Additional noninterest expense | $807,000 | 5,885 |
| Pre-tax net operating income | $1,210,000 | 5,150 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $511,000 | 4,105 |
| Income before extraordinary items | $720,000 | 5,985 |
| Extraordinary gains, net | $50,000 | 2,172 |
| Net income | $770,000 | 5,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $154,000 | 6,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $706,560 | 5,800 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,998,000 | 7,510 |
| Total interest expense | $1,531,000 | 8,422 |
| Net interest income | $2,467,000 | 6,666 |
| Provision for loan and lease losses | $430,000 | 3,303 |
| Total noninterest income | $944,000 | 3,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,227 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $510,000 | 3,143 |
| Total noninterest expense | $2,390,000 | 5,504 |
| Salaries and employee benefits | $1,100,000 | 5,584 |
| Premises and equipment expense | $427,000 | 4,551 |
| Additional noninterest expense | $863,000 | 5,713 |
| Pre-tax net operating income | $591,000 | 7,779 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $238,000 | 6,864 |
| Income before extraordinary items | $353,000 | 8,684 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $353,000 | 8,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 2,460 |
| Cash dividends | $77,000 | 7,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $353,000 | 8,320 |
* 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.