Home > First National Bank of Warsaw > Income and Expense

First National Bank of Warsaw, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$24,697,0001,342
Total interest expense$11,230,0001,404
Net interest income$13,467,0001,287
Provision for loan and lease losses$960,0001,015
Total noninterest income$2,586,0001,446
Gross Fiduciary activities income$875,000507
Service charges on deposit accounts$1,041,0001,219
Trading account gains and fees$0239
Additional Noninterest Income$670,0002,282
Total noninterest expense$8,628,0001,523
Salaries and employee benefits$4,599,0001,421
Premises and equipment expense$828,0002,344
Additional noninterest expense$3,201,0001,358
Pre-tax net operating income$6,465,0001,217
Securities gains (losses)$-5,0009,661
Applicable income taxes$2,171,0001,228
Income before extraordinary items$4,289,0001,270
Extraordinary gains, net$044
Net income$4,289,0001,271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$652,0001,079
Cash dividends$3,195,000888
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$4,292,3001,242
1996-12-31 (YTD Data)Rank
Total interest income$25,285,0001,351
Total interest expense$11,712,0001,386
Net interest income$13,573,0001,309
Provision for loan and lease losses$1,010,0001,011
Total noninterest income$2,591,0001,506
Gross Fiduciary activities income$870,000550
Service charges on deposit accounts$1,000,0001,341
Trading account gains and fees$0262
Additional Noninterest Income$721,0002,250
Total noninterest expense$8,386,0001,693
Salaries and employee benefits$4,718,0001,422
Premises and equipment expense$714,0002,734
Additional noninterest expense$2,954,0001,760
Pre-tax net operating income$6,768,0001,098
Securities gains (losses)$-5,0009,952
Applicable income taxes$2,277,0001,092
Income before extraordinary items$4,486,0001,143
Extraordinary gains, net$053
Net income$4,486,0001,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,230,000783
Cash dividends$6,123,000590
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,489,3001,125
1995-12-31 (YTD Data)Rank
Total interest income$25,263,0001,357
Total interest expense$12,251,0001,341
Net interest income$13,012,0001,382
Provision for loan and lease losses$340,0002,093
Total noninterest income$2,429,0001,579
Gross Fiduciary activities income$705,000637
Service charges on deposit accounts$954,0001,434
Trading account gains and fees$0522
Additional Noninterest Income$770,0002,163
Total noninterest expense$8,304,0001,694
Salaries and employee benefits$4,746,0001,395
Premises and equipment expense$751,0002,636
Additional noninterest expense$2,807,0001,794
Pre-tax net operating income$6,797,0001,144
Securities gains (losses)$13,0002,193
Applicable income taxes$1,560,0001,592
Income before extraordinary items$5,250,0001,021
Extraordinary gains, net$065
Net income$5,250,0001,019
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$639,0001,182
Cash dividends$3,852,000785
Sale, conversion, retirement of capital stock, net$0809
Net operating income$5,239,9901,011
1994-12-31 (YTD Data)Rank
Total interest income$22,366,0001,384
Total interest expense$9,321,0001,399
Net interest income$13,045,0001,370
Provision for loan and lease losses$100,0004,522
Total noninterest income$2,244,0001,687
Gross Fiduciary activities income$719,000618
Service charges on deposit accounts$715,0001,882
Trading account gains and fees$0475
Additional Noninterest Income$810,0002,119
Total noninterest expense$8,090,0001,794
Salaries and employee benefits$4,605,0001,465
Premises and equipment expense$740,0002,701
Additional noninterest expense$2,745,0001,974
Pre-tax net operating income$7,099,0001,068
Securities gains (losses)$-51,00011,045
Applicable income taxes$2,263,0001,080
Income before extraordinary items$4,785,0001,058
Extraordinary gains, net$0249
Net income$4,785,0001,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0004,075
Cash dividends$4,013,000650
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$4,819,6801,064
1993-12-31 (YTD Data)Rank
Total interest income$22,708,0001,402
Total interest expense$9,599,0001,400
Net interest income$13,109,0001,382
Provision for loan and lease losses$800,0001,514
Total noninterest income$2,264,0001,807
Gross Fiduciary activities income$661,000662
Service charges on deposit accounts$693,0001,967
Trading account gains and fees$0532
Additional Noninterest Income$910,0002,179
Total noninterest expense$7,799,0001,902
Salaries and employee benefits$4,564,0001,486
Premises and equipment expense$770,0002,650
Additional noninterest expense$2,465,0002,261
Pre-tax net operating income$6,774,0001,045
Securities gains (losses)$07,477
Applicable income taxes$2,062,0001,178
Income before extraordinary items$4,712,0001,103
Extraordinary gains, net$-124,00012,962
Net income$4,588,0001,171
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$489,0001,791
Cash dividends$3,300,000660
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$4,712,0001,028
1992-12-31 (YTD Data)Rank
Total interest income$24,867,0001,466
Total interest expense$11,956,0001,477
Net interest income$12,911,0001,436
Provision for loan and lease losses$993,0001,852
Total noninterest income$1,956,0001,961
Gross Fiduciary activities income$655,000673
Service charges on deposit accounts$569,0002,430
Trading account gains and fees$0504
Additional Noninterest Income$732,0002,444
Total noninterest expense$7,709,0001,936
Salaries and employee benefits$4,399,0001,505
Premises and equipment expense$821,0002,525
Additional noninterest expense$2,489,0002,329
Pre-tax net operating income$6,165,0001,061
Securities gains (losses)$1,0007,986
Applicable income taxes$1,717,0001,292
Income before extraordinary items$4,449,0001,063
Extraordinary gains, net$01,422
Net income$4,449,0001,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$834,0001,761
Cash dividends$4,303,000428
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$4,448,280969

* 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.