Home > First Philson Bank > Income and Expense

First Philson Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$14,787,0002,211
Total interest expense$5,871,0002,580
Net interest income$8,916,0001,924
Provision for loan and lease losses$08,652
Total noninterest income$1,010,0003,054
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$595,0002,160
Trading account gains and fees$0224
Additional Noninterest Income$415,0003,354
Total noninterest expense$6,065,0002,147
Salaries and employee benefits$3,325,0002,028
Premises and equipment expense$907,0002,136
Additional noninterest expense$1,833,0002,279
Pre-tax net operating income$3,861,0001,891
Securities gains (losses)$04,449
Applicable income taxes$1,025,0002,271
Income before extraordinary items$2,836,0001,856
Extraordinary gains, net$032
Net income$2,836,0001,857
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,253
Cash dividends$1,500,0001,647
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,836,0001,778
1997-12-31 (YTD Data)Rank
Total interest income$14,501,0002,252
Total interest expense$5,855,0002,554
Net interest income$8,646,0002,013
Provision for loan and lease losses$08,829
Total noninterest income$1,012,0003,015
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$621,0002,114
Trading account gains and fees$0239
Additional Noninterest Income$391,0003,325
Total noninterest expense$5,821,0002,215
Salaries and employee benefits$3,161,0002,089
Premises and equipment expense$825,0002,350
Additional noninterest expense$1,835,0002,267
Pre-tax net operating income$3,837,0001,957
Securities gains (losses)$03,944
Applicable income taxes$1,045,0002,345
Income before extraordinary items$2,792,0001,887
Extraordinary gains, net$044
Net income$2,792,0001,887
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$308,0001,926
Cash dividends$1,385,0001,720
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,792,0001,835
1996-12-31 (YTD Data)Rank
Total interest income$14,044,0002,374
Total interest expense$6,005,0002,549
Net interest income$8,039,0002,248
Provision for loan and lease losses$09,041
Total noninterest income$954,0003,250
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$555,0002,454
Trading account gains and fees$0262
Additional Noninterest Income$399,0003,410
Total noninterest expense$5,749,0002,393
Salaries and employee benefits$3,007,0002,216
Premises and equipment expense$964,0002,083
Additional noninterest expense$1,778,0002,727
Pre-tax net operating income$3,244,0002,206
Securities gains (losses)$04,148
Applicable income taxes$843,0002,719
Income before extraordinary items$2,401,0002,073
Extraordinary gains, net$053
Net income$2,401,0002,074
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-135,00011,276
Cash dividends$755,0002,603
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,401,0002,030
1995-12-31 (YTD Data)Rank
Total interest income$13,634,0002,452
Total interest expense$6,230,0002,469
Net interest income$7,404,0002,431
Provision for loan and lease losses$08,958
Total noninterest income$865,0003,463
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$523,0002,586
Trading account gains and fees$0522
Additional Noninterest Income$342,0003,668
Total noninterest expense$5,775,0002,357
Salaries and employee benefits$3,044,0002,182
Premises and equipment expense$870,0002,307
Additional noninterest expense$1,861,0002,563
Pre-tax net operating income$2,494,0002,854
Securities gains (losses)$03,831
Applicable income taxes$581,0003,739
Income before extraordinary items$1,913,0002,613
Extraordinary gains, net$065
Net income$1,913,0002,612
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-155,00011,825
Cash dividends$432,0003,686
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,913,0002,583
1994-12-31 (YTD Data)Rank
Total interest income$12,368,0002,457
Total interest expense$5,215,0002,366
Net interest income$7,153,0002,522
Provision for loan and lease losses$-118,00012,211
Total noninterest income$1,273,0002,621
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$510,0002,689
Trading account gains and fees$0475
Additional Noninterest Income$763,0002,199
Total noninterest expense$6,418,0002,194
Salaries and employee benefits$3,220,0002,051
Premises and equipment expense$849,0002,387
Additional noninterest expense$2,349,0002,258
Pre-tax net operating income$2,126,0003,259
Securities gains (losses)$03,600
Applicable income taxes$315,0005,695
Income before extraordinary items$1,811,0002,678
Extraordinary gains, net$0249
Net income$1,811,0002,679
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-91,00012,186
Cash dividends$87,0007,197
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,811,0002,690
1993-12-31 (YTD Data)Rank
Total interest income$12,644,0002,436
Total interest expense$5,677,0002,283
Net interest income$6,967,0002,592
Provision for loan and lease losses$233,0003,595
Total noninterest income$802,0003,982
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$441,0003,159
Trading account gains and fees$0532
Additional Noninterest Income$361,0004,032
Total noninterest expense$6,405,0002,268
Salaries and employee benefits$3,078,0002,158
Premises and equipment expense$812,0002,525
Additional noninterest expense$2,515,0002,216
Pre-tax net operating income$1,131,0005,407
Securities gains (losses)$-18,00012,905
Applicable income taxes$199,0007,638
Income before extraordinary items$914,0005,036
Extraordinary gains, net$214,000972
Net income$1,128,0004,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$280,0002,570
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$928,7604,741
1992-12-31 (YTD Data)Rank
Total interest income$14,763,0002,378
Total interest expense$7,232,0002,335
Net interest income$7,531,0002,407
Provision for loan and lease losses$2,172,0001,088
Total noninterest income$1,677,0002,192
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$422,0003,295
Trading account gains and fees$0504
Additional Noninterest Income$1,255,0001,719
Total noninterest expense$6,435,0002,272
Salaries and employee benefits$3,028,0002,171
Premises and equipment expense$748,0002,768
Additional noninterest expense$2,659,0002,208
Pre-tax net operating income$601,0007,710
Securities gains (losses)$08,369
Applicable income taxes$133,0009,043
Income before extraordinary items$468,0007,598
Extraordinary gains, net$49,000993
Net income$517,0007,275
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,175,0001,409
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$468,0007,238

* 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.