Home > First National Bank of Roland > Income and Expense
First National Bank of Roland, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,262,000 | 6,140 |
| Total interest expense | $2,063,000 | 5,895 |
| Net interest income | $2,199,000 | 6,282 |
| Provision for loan and lease losses | $487,000 | 1,805 |
| Total noninterest income | $419,000 | 5,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 6,819 |
| Total noninterest expense | $1,523,000 | 6,713 |
| Salaries and employee benefits | $709,000 | 7,196 |
| Premises and equipment expense | $171,000 | 7,309 |
| Additional noninterest expense | $643,000 | 5,558 |
| Pre-tax net operating income | $608,000 | 6,678 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $158,000 | 6,174 |
| Income before extraordinary items | $447,000 | 6,717 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $447,000 | 6,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,480 |
| Cash dividends | $373,000 | 4,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $449,220 | 6,683 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,548,000 | 6,015 |
| Total interest expense | $2,184,000 | 5,862 |
| Net interest income | $2,364,000 | 6,036 |
| Provision for loan and lease losses | $134,000 | 4,412 |
| Total noninterest income | $426,000 | 5,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,894 |
| Total noninterest expense | $1,390,000 | 6,992 |
| Salaries and employee benefits | $637,000 | 7,550 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $585,000 | 5,854 |
| Pre-tax net operating income | $1,266,000 | 4,718 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $394,000 | 4,459 |
| Income before extraordinary items | $872,000 | 4,927 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $872,000 | 4,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,185 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $872,000 | 4,845 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,789,000 | 6,860 |
| Total interest expense | $1,710,000 | 6,866 |
| Net interest income | $2,079,000 | 6,759 |
| Provision for loan and lease losses | $61,000 | 6,142 |
| Total noninterest income | $354,000 | 6,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,257 |
| Total noninterest expense | $1,243,000 | 7,519 |
| Salaries and employee benefits | $575,000 | 8,084 |
| Premises and equipment expense | $160,000 | 7,589 |
| Additional noninterest expense | $508,000 | 6,444 |
| Pre-tax net operating income | $1,129,000 | 5,435 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $387,000 | 4,974 |
| Income before extraordinary items | $743,000 | 5,708 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $743,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $549,000 | 3,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $742,340 | 5,666 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,380,000 | 7,532 |
| Total interest expense | $1,606,000 | 7,314 |
| Net interest income | $1,774,000 | 7,610 |
| Provision for loan and lease losses | $49,000 | 6,675 |
| Total noninterest income | $290,000 | 7,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,503 |
| Total noninterest expense | $1,047,000 | 8,515 |
| Salaries and employee benefits | $454,000 | 9,218 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $450,000 | 7,469 |
| Pre-tax net operating income | $968,000 | 5,848 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $320,000 | 5,612 |
| Income before extraordinary items | $647,000 | 6,008 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $647,000 | 6,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $647,670 | 5,943 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,014,000 | 8,185 |
| Total interest expense | $1,404,000 | 7,968 |
| Net interest income | $1,610,000 | 8,234 |
| Provision for loan and lease losses | $26,000 | 7,298 |
| Total noninterest income | $288,000 | 7,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,528 |
| Total noninterest expense | $986,000 | 9,008 |
| Salaries and employee benefits | $409,000 | 9,875 |
| Premises and equipment expense | $107,000 | 9,413 |
| Additional noninterest expense | $470,000 | 7,519 |
| Pre-tax net operating income | $886,000 | 6,487 |
| Securities gains (losses) | $-6,000 | 9,789 |
| Applicable income taxes | $296,000 | 6,050 |
| Income before extraordinary items | $584,000 | 6,703 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $584,000 | 6,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $446,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $587,960 | 6,672 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,558,000 | 8,809 |
| Total interest expense | $1,004,000 | 8,679 |
| Net interest income | $1,554,000 | 8,725 |
| Provision for loan and lease losses | $-65,000 | 12,057 |
| Total noninterest income | $266,000 | 7,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $940,000 | 9,590 |
| Salaries and employee benefits | $492,000 | 9,467 |
| Premises and equipment expense | $92,000 | 10,281 |
| Additional noninterest expense | $356,000 | 9,275 |
| Pre-tax net operating income | $945,000 | 6,189 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $317,000 | 5,675 |
| Income before extraordinary items | $628,000 | 6,343 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $628,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,622 |
| Cash dividends | $814,000 | 2,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $628,000 | 6,424 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 9,253 |
| Total interest expense | $1,017,000 | 9,024 |
| Net interest income | $1,452,000 | 9,267 |
| Provision for loan and lease losses | $-46,000 | 12,720 |
| Total noninterest income | $307,000 | 7,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 6,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,550 |
| Total noninterest expense | $971,000 | 9,860 |
| Salaries and employee benefits | $539,000 | 9,311 |
| Premises and equipment expense | $111,000 | 10,087 |
| Additional noninterest expense | $321,000 | 10,180 |
| Pre-tax net operating income | $834,000 | 6,650 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $278,000 | 6,368 |
| Income before extraordinary items | $565,000 | 7,040 |
| Extraordinary gains, net | $-8,000 | 12,278 |
| Net income | $557,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $274,000 | 4,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $558,970 | 6,826 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 9,263 |
| Total interest expense | $1,342,000 | 9,069 |
| Net interest income | $1,494,000 | 9,295 |
| Provision for loan and lease losses | $133,000 | 6,435 |
| Total noninterest income | $297,000 | 7,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 7,060 |
| Total noninterest expense | $998,000 | 9,992 |
| Salaries and employee benefits | $565,000 | 9,128 |
| Premises and equipment expense | $117,000 | 10,138 |
| Additional noninterest expense | $316,000 | 10,607 |
| Pre-tax net operating income | $660,000 | 7,324 |
| Securities gains (losses) | $65,000 | 3,702 |
| Applicable income taxes | $237,000 | 6,885 |
| Income before extraordinary items | $488,000 | 7,431 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $488,000 | 7,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 6,806 |
| Cash dividends | $274,000 | 4,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $444,450 | 7,433 |
* 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.