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FMB-Northwestern Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$12,103,0002,735
Total interest expense$5,660,0002,683
Net interest income$6,443,0002,745
Provision for loan and lease losses$345,0002,341
Total noninterest income$1,275,0002,574
Gross Fiduciary activities income$26,0001,325
Service charges on deposit accounts$696,0001,951
Trading account gains and fees$0262
Additional Noninterest Income$553,0002,721
Total noninterest expense$5,169,0002,634
Salaries and employee benefits$2,803,0002,366
Premises and equipment expense$803,0002,444
Additional noninterest expense$1,563,0003,011
Pre-tax net operating income$2,204,0003,155
Securities gains (losses)$-2,0009,485
Applicable income taxes$505,0004,114
Income before extraordinary items$1,697,0002,860
Extraordinary gains, net$053
Net income$1,697,0002,861
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$153,0003,129
Cash dividends$1,000,0002,117
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,698,5402,812
1995-12-31 (YTD Data)Rank
Total interest income$10,628,0003,120
Total interest expense$4,994,0003,025
Net interest income$5,634,0003,157
Provision for loan and lease losses$63,0005,638
Total noninterest income$951,0003,227
Gross Fiduciary activities income$20,0001,407
Service charges on deposit accounts$603,0002,258
Trading account gains and fees$0522
Additional Noninterest Income$328,0003,788
Total noninterest expense$4,726,0002,854
Salaries and employee benefits$2,479,0002,693
Premises and equipment expense$650,0003,006
Additional noninterest expense$1,597,0002,931
Pre-tax net operating income$1,796,0003,858
Securities gains (losses)$03,831
Applicable income taxes$361,0005,312
Income before extraordinary items$1,435,0003,379
Extraordinary gains, net$065
Net income$1,435,0003,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,295
Cash dividends$1,000,0002,009
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,435,0003,351
1994-12-31 (YTD Data)Rank
Total interest income$8,868,0003,383
Total interest expense$3,481,0003,469
Net interest income$5,387,0003,328
Provision for loan and lease losses$48,0006,241
Total noninterest income$806,0003,701
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$530,0002,572
Trading account gains and fees$0475
Additional Noninterest Income$276,0004,334
Total noninterest expense$4,370,0003,148
Salaries and employee benefits$2,262,0002,931
Premises and equipment expense$617,0003,183
Additional noninterest expense$1,491,0003,310
Pre-tax net operating income$1,775,0003,797
Securities gains (losses)$03,600
Applicable income taxes$355,0005,214
Income before extraordinary items$1,420,0003,325
Extraordinary gains, net$0249
Net income$1,420,0003,340
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,574
Cash dividends$500,0003,161
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,420,0003,353
1993-12-31 (YTD Data)Rank
Total interest income$8,406,0003,646
Total interest expense$3,365,0003,724
Net interest income$5,041,0003,550
Provision for loan and lease losses$-34,00012,660
Total noninterest income$747,0004,227
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$450,0003,078
Trading account gains and fees$0532
Additional Noninterest Income$297,0004,494
Total noninterest expense$4,310,0003,251
Salaries and employee benefits$2,152,0003,041
Premises and equipment expense$612,0003,271
Additional noninterest expense$1,546,0003,418
Pre-tax net operating income$1,512,0004,295
Securities gains (losses)$19,0004,737
Applicable income taxes$308,0005,974
Income before extraordinary items$1,223,0003,940
Extraordinary gains, net$03,149
Net income$1,223,0004,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00012,131
Cash dividends$1,100,0001,606
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,207,8003,793
1992-12-31 (YTD Data)Rank
Total interest income$9,333,0003,747
Total interest expense$4,348,0003,774
Net interest income$4,985,0003,642
Provision for loan and lease losses$174,0005,685
Total noninterest income$708,0004,380
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$383,0003,626
Trading account gains and fees$9,000417
Additional Noninterest Income$316,0004,287
Total noninterest expense$3,997,0003,506
Salaries and employee benefits$1,991,0003,220
Premises and equipment expense$625,0003,228
Additional noninterest expense$1,381,0003,838
Pre-tax net operating income$1,522,0003,996
Securities gains (losses)$21,0005,524
Applicable income taxes$359,0005,232
Income before extraordinary items$1,184,0003,854
Extraordinary gains, net$01,422
Net income$1,184,0003,893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$342,0003,103
Cash dividends$850,0001,800
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,167,8303,623

* 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.