Home > First National Bank of Pickens County > Income and Expense
First National Bank of Pickens County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,400,000 | 3,798 |
| Total interest expense | $3,204,000 | 4,445 |
| Net interest income | $5,196,000 | 3,362 |
| Provision for loan and lease losses | $151,000 | 4,105 |
| Total noninterest income | $517,000 | 4,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $386,000 | 3,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,052 |
| Total noninterest expense | $3,019,000 | 4,074 |
| Salaries and employee benefits | $1,800,000 | 3,638 |
| Premises and equipment expense | $529,000 | 3,526 |
| Additional noninterest expense | $690,000 | 5,279 |
| Pre-tax net operating income | $2,543,000 | 2,870 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $788,000 | 2,963 |
| Income before extraordinary items | $1,766,000 | 2,882 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,766,000 | 2,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $216,000 | 5,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,758,410 | 2,838 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,404,000 | 4,345 |
| Total interest expense | $2,900,000 | 4,935 |
| Net interest income | $4,504,000 | 3,897 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $460,000 | 5,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,815 |
| Total noninterest expense | $2,722,000 | 4,672 |
| Salaries and employee benefits | $1,612,000 | 4,034 |
| Premises and equipment expense | $540,000 | 3,537 |
| Additional noninterest expense | $570,000 | 6,547 |
| Pre-tax net operating income | $2,134,000 | 3,239 |
| Securities gains (losses) | $-123,000 | 11,242 |
| Applicable income taxes | $610,000 | 3,535 |
| Income before extraordinary items | $1,401,000 | 3,408 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,401,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,304 |
| Cash dividends | $196,000 | 5,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,487,100 | 3,174 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,701,000 | 4,731 |
| Total interest expense | $2,771,000 | 5,095 |
| Net interest income | $3,930,000 | 4,383 |
| Provision for loan and lease losses | $79,000 | 5,161 |
| Total noninterest income | $399,000 | 5,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,932 |
| Total noninterest expense | $2,946,000 | 4,359 |
| Salaries and employee benefits | $1,674,000 | 3,871 |
| Premises and equipment expense | $587,000 | 3,266 |
| Additional noninterest expense | $685,000 | 5,960 |
| Pre-tax net operating income | $1,304,000 | 4,956 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $373,000 | 5,189 |
| Income before extraordinary items | $931,000 | 4,862 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $931,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,621 |
| Cash dividends | $188,000 | 5,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $931,000 | 4,852 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,033,000 | 4,847 |
| Total interest expense | $2,176,000 | 5,218 |
| Net interest income | $3,857,000 | 4,529 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $469,000 | 5,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,871 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,880 |
| Total noninterest expense | $2,886,000 | 4,561 |
| Salaries and employee benefits | $1,642,000 | 3,940 |
| Premises and equipment expense | $524,000 | 3,656 |
| Additional noninterest expense | $720,000 | 6,184 |
| Pre-tax net operating income | $1,440,000 | 4,564 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $425,000 | 4,559 |
| Income before extraordinary items | $1,015,000 | 4,490 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,015,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,975 |
| Cash dividends | $188,000 | 5,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,015,000 | 4,533 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,866,000 | 5,049 |
| Total interest expense | $2,123,000 | 5,553 |
| Net interest income | $3,743,000 | 4,679 |
| Provision for loan and lease losses | $114,000 | 5,447 |
| Total noninterest income | $393,000 | 6,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,389 |
| Total noninterest expense | $2,714,000 | 4,905 |
| Salaries and employee benefits | $1,558,000 | 4,138 |
| Premises and equipment expense | $444,000 | 4,310 |
| Additional noninterest expense | $712,000 | 6,471 |
| Pre-tax net operating income | $1,308,000 | 4,842 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $385,000 | 5,144 |
| Income before extraordinary items | $927,000 | 4,980 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $927,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,785 |
| Cash dividends | $164,000 | 5,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $924,160 | 4,760 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,241,000 | 5,310 |
| Total interest expense | $2,637,000 | 5,741 |
| Net interest income | $3,604,000 | 4,879 |
| Provision for loan and lease losses | $114,000 | 6,935 |
| Total noninterest income | $395,000 | 6,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $2,613,000 | 5,101 |
| Salaries and employee benefits | $1,476,000 | 4,297 |
| Premises and equipment expense | $419,000 | 4,626 |
| Additional noninterest expense | $718,000 | 6,646 |
| Pre-tax net operating income | $1,272,000 | 4,684 |
| Securities gains (losses) | $39,000 | 4,543 |
| Applicable income taxes | $379,000 | 5,000 |
| Income before extraordinary items | $932,000 | 4,801 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $932,000 | 4,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 6,591 |
| Cash dividends | $148,000 | 5,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $904,310 | 4,596 |
* 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.