Home > First National Bank of Rochester > Income and Expense

First National Bank of Rochester, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$41,307,000806
Total interest expense$18,704,000849
Net interest income$22,603,000761
Provision for loan and lease losses$150,0004,136
Total noninterest income$4,272,0001,045
Gross Fiduciary activities income$378,000725
Service charges on deposit accounts$2,110,000582
Trading account gains and fees$0224
Additional Noninterest Income$1,784,0001,249
Total noninterest expense$19,860,000740
Salaries and employee benefits$10,854,000654
Premises and equipment expense$3,955,000555
Additional noninterest expense$5,051,000945
Pre-tax net operating income$6,865,0001,100
Securities gains (losses)$24,0002,292
Applicable income taxes$1,765,0001,411
Income before extraordinary items$5,124,0001,052
Extraordinary gains, net$032
Net income$5,124,0001,052
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$472,0001,314
Cash dividends$2,352,0001,182
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$5,106,2401,020
1997-12-31 (YTD Data)Rank
Total interest income$37,452,000917
Total interest expense$16,747,000975
Net interest income$20,705,000865
Provision for loan and lease losses$55,0006,469
Total noninterest income$3,399,0001,190
Gross Fiduciary activities income$290,000817
Service charges on deposit accounts$1,720,000742
Trading account gains and fees$0239
Additional Noninterest Income$1,389,0001,396
Total noninterest expense$17,304,000831
Salaries and employee benefits$9,560,000723
Premises and equipment expense$3,517,000595
Additional noninterest expense$4,227,0001,093
Pre-tax net operating income$6,745,0001,175
Securities gains (losses)$-8,0009,909
Applicable income taxes$2,091,0001,267
Income before extraordinary items$4,646,0001,183
Extraordinary gains, net$044
Net income$4,646,0001,184
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$171,0002,806
Cash dividends$600,0003,054
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$4,651,5201,156
1996-12-31 (YTD Data)Rank
Total interest income$32,191,0001,074
Total interest expense$13,577,0001,206
Net interest income$18,614,000990
Provision for loan and lease losses$09,041
Total noninterest income$3,830,0001,149
Gross Fiduciary activities income$194,000979
Service charges on deposit accounts$1,547,000854
Trading account gains and fees$0262
Additional Noninterest Income$2,089,0001,124
Total noninterest expense$16,466,000925
Salaries and employee benefits$9,171,000758
Premises and equipment expense$3,398,000661
Additional noninterest expense$3,897,0001,383
Pre-tax net operating income$5,978,0001,212
Securities gains (losses)$-45,00010,998
Applicable income taxes$1,736,0001,402
Income before extraordinary items$4,197,0001,203
Extraordinary gains, net$053
Net income$4,197,0001,205
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$80,0004,367
Cash dividends$200,0005,388
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,228,9501,175
1995-12-31 (YTD Data)Rank
Total interest income$29,177,0001,190
Total interest expense$12,267,0001,340
Net interest income$16,910,0001,081
Provision for loan and lease losses$08,958
Total noninterest income$2,619,0001,484
Gross Fiduciary activities income$134,0001,096
Service charges on deposit accounts$1,209,0001,097
Trading account gains and fees$0522
Additional Noninterest Income$1,276,0001,531
Total noninterest expense$15,411,000986
Salaries and employee benefits$8,183,000850
Premises and equipment expense$2,779,000808
Additional noninterest expense$4,449,0001,228
Pre-tax net operating income$4,118,0001,800
Securities gains (losses)$33,0001,557
Applicable income taxes$1,235,0001,974
Income before extraordinary items$2,916,0001,727
Extraordinary gains, net$065
Net income$2,916,0001,726
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$676,0001,139
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,892,9001,724
1994-12-31 (YTD Data)Rank
Total interest income$22,725,0001,365
Total interest expense$7,749,0001,626
Net interest income$14,976,0001,217
Provision for loan and lease losses$09,146
Total noninterest income$2,612,0001,513
Gross Fiduciary activities income$85,0001,213
Service charges on deposit accounts$1,208,0001,102
Trading account gains and fees$0475
Additional Noninterest Income$1,319,0001,520
Total noninterest expense$15,963,000965
Salaries and employee benefits$7,867,000871
Premises and equipment expense$2,838,000792
Additional noninterest expense$5,258,0001,124
Pre-tax net operating income$1,625,0004,116
Securities gains (losses)$03,600
Applicable income taxes$-219,00012,399
Income before extraordinary items$1,844,0002,634
Extraordinary gains, net$0249
Net income$1,844,0002,634
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$361,0001,682
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,844,0002,653
1993-12-31 (YTD Data)Rank
Total interest income$20,035,0001,571
Total interest expense$7,191,0001,818
Net interest income$12,844,0001,413
Provision for loan and lease losses$50,0007,415
Total noninterest income$3,152,0001,404
Gross Fiduciary activities income$83,0001,248
Service charges on deposit accounts$1,267,0001,049
Trading account gains and fees$0532
Additional Noninterest Income$1,802,0001,354
Total noninterest expense$14,667,0001,074
Salaries and employee benefits$6,639,0001,034
Premises and equipment expense$2,326,000953
Additional noninterest expense$5,702,0001,142
Pre-tax net operating income$1,279,0004,930
Securities gains (losses)$355,0001,145
Applicable income taxes$621,0003,491
Income before extraordinary items$1,013,0004,658
Extraordinary gains, net$03,149
Net income$1,013,0004,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-176,00013,084
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$785,8005,406
1992-12-31 (YTD Data)Rank
Total interest income$21,416,0001,663
Total interest expense$8,942,0001,897
Net interest income$12,474,0001,483
Provision for loan and lease losses$3,171,000803
Total noninterest income$3,042,0001,422
Gross Fiduciary activities income$91,0001,272
Service charges on deposit accounts$1,379,000944
Trading account gains and fees$0504
Additional Noninterest Income$1,572,0001,466
Total noninterest expense$12,797,0001,237
Salaries and employee benefits$5,322,0001,265
Premises and equipment expense$2,016,0001,111
Additional noninterest expense$5,459,0001,217
Pre-tax net operating income$-452,00013,265
Securities gains (losses)$4,0007,235
Applicable income taxes$1,617,0001,362
Income before extraordinary items$-2,065,00013,676
Extraordinary gains, net$01,422
Net income$-2,065,00013,673
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,049,000722
Cash dividends$600,0002,382
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-2,069,00013,632

* 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.