Home > First National Bank of Sulphur Springs > Income and Expense
First National Bank of Sulphur Springs, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 8,907 |
| Total interest expense | $945,000 | 8,839 |
| Net interest income | $1,136,000 | 8,846 |
| Provision for loan and lease losses | $798,000 | 1,194 |
| Total noninterest income | $547,000 | 4,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,436 |
| Total noninterest expense | $1,534,000 | 6,703 |
| Salaries and employee benefits | $627,000 | 7,740 |
| Premises and equipment expense | $186,000 | 7,092 |
| Additional noninterest expense | $721,000 | 5,103 |
| Pre-tax net operating income | $-649,000 | 10,784 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-649,000 | 10,792 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-649,000 | 10,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $880,000 | 870 |
| Cash dividends | $29,000 | 7,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-649,000 | 10,778 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 8,952 |
| Total interest expense | $997,000 | 9,015 |
| Net interest income | $1,321,000 | 8,714 |
| Provision for loan and lease losses | $252,000 | 2,918 |
| Total noninterest income | $538,000 | 4,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,241 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $1,481,000 | 7,163 |
| Salaries and employee benefits | $676,000 | 7,671 |
| Premises and equipment expense | $185,000 | 7,320 |
| Additional noninterest expense | $620,000 | 6,229 |
| Pre-tax net operating income | $126,000 | 10,229 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $126,000 | 9,988 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $126,000 | 9,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $80,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $126,000 | 9,938 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,991,000 | 8,217 |
| Total interest expense | $1,577,000 | 7,487 |
| Net interest income | $1,414,000 | 8,760 |
| Provision for loan and lease losses | $601,000 | 1,343 |
| Total noninterest income | $633,000 | 4,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $476,000 | 2,851 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,854 |
| Total noninterest expense | $1,631,000 | 6,891 |
| Salaries and employee benefits | $719,000 | 7,595 |
| Premises and equipment expense | $182,000 | 7,556 |
| Additional noninterest expense | $730,000 | 5,655 |
| Pre-tax net operating income | $-185,000 | 11,662 |
| Securities gains (losses) | $-406,000 | 11,783 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-591,000 | 11,816 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-591,000 | 11,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $723,000 | 1,090 |
| Cash dividends | $257,000 | 4,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-185,000 | 11,657 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,732,000 | 8,500 |
| Total interest expense | $1,119,000 | 8,223 |
| Net interest income | $1,614,000 | 8,547 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $644,000 | 4,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 3,051 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,373 |
| Total noninterest expense | $1,642,000 | 7,160 |
| Salaries and employee benefits | $686,000 | 7,985 |
| Premises and equipment expense | $191,000 | 7,628 |
| Additional noninterest expense | $765,000 | 5,909 |
| Pre-tax net operating income | $445,000 | 9,031 |
| Securities gains (losses) | $16,000 | 1,924 |
| Applicable income taxes | $197,000 | 7,390 |
| Income before extraordinary items | $264,000 | 9,549 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $264,000 | 9,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,456 |
| Cash dividends | $138,000 | 6,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $253,760 | 9,729 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 9,134 |
| Total interest expense | $1,010,000 | 9,064 |
| Net interest income | $1,518,000 | 9,044 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $543,000 | 5,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $383,000 | 3,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 6,357 |
| Total noninterest expense | $1,567,000 | 7,604 |
| Salaries and employee benefits | $681,000 | 8,129 |
| Premises and equipment expense | $173,000 | 8,305 |
| Additional noninterest expense | $713,000 | 6,460 |
| Pre-tax net operating income | $322,000 | 10,051 |
| Securities gains (losses) | $88,000 | 2,680 |
| Applicable income taxes | $139,000 | 8,881 |
| Income before extraordinary items | $271,000 | 9,807 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $271,000 | 9,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,696 |
| Cash dividends | $369,000 | 3,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $212,920 | 10,262 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 9,014 |
| Total interest expense | $1,342,000 | 9,069 |
| Net interest income | $1,643,000 | 8,829 |
| Provision for loan and lease losses | $243,000 | 4,662 |
| Total noninterest income | $579,000 | 5,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,647 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,704 |
| Total noninterest expense | $1,727,000 | 7,192 |
| Salaries and employee benefits | $719,000 | 7,841 |
| Premises and equipment expense | $201,000 | 7,807 |
| Additional noninterest expense | $807,000 | 6,027 |
| Pre-tax net operating income | $252,000 | 10,583 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $47,000 | 11,335 |
| Income before extraordinary items | $255,000 | 9,851 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $255,000 | 9,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 2,843 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $213,000 | 10,066 |
* 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.