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 | $24,697,000 | 1,342 |
| Total interest expense | $11,230,000 | 1,404 |
| Net interest income | $13,467,000 | 1,287 |
| Provision for loan and lease losses | $960,000 | 1,015 |
| Total noninterest income | $2,586,000 | 1,446 |
| Gross Fiduciary activities income | $875,000 | 507 |
| Service charges on deposit accounts | $1,041,000 | 1,219 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $670,000 | 2,282 |
| Total noninterest expense | $8,628,000 | 1,523 |
| Salaries and employee benefits | $4,599,000 | 1,421 |
| Premises and equipment expense | $828,000 | 2,344 |
| Additional noninterest expense | $3,201,000 | 1,358 |
| Pre-tax net operating income | $6,465,000 | 1,217 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $2,171,000 | 1,228 |
| Income before extraordinary items | $4,289,000 | 1,270 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,289,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $652,000 | 1,079 |
| Cash dividends | $3,195,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,292,300 | 1,242 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,285,000 | 1,351 |
| Total interest expense | $11,712,000 | 1,386 |
| Net interest income | $13,573,000 | 1,309 |
| Provision for loan and lease losses | $1,010,000 | 1,011 |
| Total noninterest income | $2,591,000 | 1,506 |
| Gross Fiduciary activities income | $870,000 | 550 |
| Service charges on deposit accounts | $1,000,000 | 1,341 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $721,000 | 2,250 |
| Total noninterest expense | $8,386,000 | 1,693 |
| Salaries and employee benefits | $4,718,000 | 1,422 |
| Premises and equipment expense | $714,000 | 2,734 |
| Additional noninterest expense | $2,954,000 | 1,760 |
| Pre-tax net operating income | $6,768,000 | 1,098 |
| Securities gains (losses) | $-5,000 | 9,952 |
| Applicable income taxes | $2,277,000 | 1,092 |
| Income before extraordinary items | $4,486,000 | 1,143 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,486,000 | 1,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,230,000 | 783 |
| Cash dividends | $6,123,000 | 590 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,489,300 | 1,125 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $25,263,000 | 1,357 |
| Total interest expense | $12,251,000 | 1,341 |
| Net interest income | $13,012,000 | 1,382 |
| Provision for loan and lease losses | $340,000 | 2,093 |
| Total noninterest income | $2,429,000 | 1,579 |
| Gross Fiduciary activities income | $705,000 | 637 |
| Service charges on deposit accounts | $954,000 | 1,434 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $770,000 | 2,163 |
| Total noninterest expense | $8,304,000 | 1,694 |
| Salaries and employee benefits | $4,746,000 | 1,395 |
| Premises and equipment expense | $751,000 | 2,636 |
| Additional noninterest expense | $2,807,000 | 1,794 |
| Pre-tax net operating income | $6,797,000 | 1,144 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $1,560,000 | 1,592 |
| Income before extraordinary items | $5,250,000 | 1,021 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,250,000 | 1,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $639,000 | 1,182 |
| Cash dividends | $3,852,000 | 785 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,239,990 | 1,011 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,366,000 | 1,384 |
| Total interest expense | $9,321,000 | 1,399 |
| Net interest income | $13,045,000 | 1,370 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $2,244,000 | 1,687 |
| Gross Fiduciary activities income | $719,000 | 618 |
| Service charges on deposit accounts | $715,000 | 1,882 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $810,000 | 2,119 |
| Total noninterest expense | $8,090,000 | 1,794 |
| Salaries and employee benefits | $4,605,000 | 1,465 |
| Premises and equipment expense | $740,000 | 2,701 |
| Additional noninterest expense | $2,745,000 | 1,974 |
| Pre-tax net operating income | $7,099,000 | 1,068 |
| Securities gains (losses) | $-51,000 | 11,045 |
| Applicable income taxes | $2,263,000 | 1,080 |
| Income before extraordinary items | $4,785,000 | 1,058 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,785,000 | 1,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $4,013,000 | 650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,819,680 | 1,064 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $22,708,000 | 1,402 |
| Total interest expense | $9,599,000 | 1,400 |
| Net interest income | $13,109,000 | 1,382 |
| Provision for loan and lease losses | $800,000 | 1,514 |
| Total noninterest income | $2,264,000 | 1,807 |
| Gross Fiduciary activities income | $661,000 | 662 |
| Service charges on deposit accounts | $693,000 | 1,967 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $910,000 | 2,179 |
| Total noninterest expense | $7,799,000 | 1,902 |
| Salaries and employee benefits | $4,564,000 | 1,486 |
| Premises and equipment expense | $770,000 | 2,650 |
| Additional noninterest expense | $2,465,000 | 2,261 |
| Pre-tax net operating income | $6,774,000 | 1,045 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,062,000 | 1,178 |
| Income before extraordinary items | $4,712,000 | 1,103 |
| Extraordinary gains, net | $-124,000 | 12,962 |
| Net income | $4,588,000 | 1,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,791 |
| Cash dividends | $3,300,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,712,000 | 1,028 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,867,000 | 1,466 |
| Total interest expense | $11,956,000 | 1,477 |
| Net interest income | $12,911,000 | 1,436 |
| Provision for loan and lease losses | $993,000 | 1,852 |
| Total noninterest income | $1,956,000 | 1,961 |
| Gross Fiduciary activities income | $655,000 | 673 |
| Service charges on deposit accounts | $569,000 | 2,430 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $732,000 | 2,444 |
| Total noninterest expense | $7,709,000 | 1,936 |
| Salaries and employee benefits | $4,399,000 | 1,505 |
| Premises and equipment expense | $821,000 | 2,525 |
| Additional noninterest expense | $2,489,000 | 2,329 |
| Pre-tax net operating income | $6,165,000 | 1,061 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $1,717,000 | 1,292 |
| Income before extraordinary items | $4,449,000 | 1,063 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,449,000 | 1,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 1,761 |
| Cash dividends | $4,303,000 | 428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,448,280 | 969 |
* 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.