Home > Frontier National Bank > Income and Expense
Frontier National Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,779,000 | 2,879 |
| Total interest expense | $5,854,000 | 2,733 |
| Net interest income | $5,925,000 | 2,974 |
| Provision for loan and lease losses | $167,000 | 4,573 |
| Total noninterest income | $2,385,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $814,000 | 1,872 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,571,000 | 1,472 |
| Total noninterest expense | $5,379,000 | 2,629 |
| Salaries and employee benefits | $2,971,000 | 2,530 |
| Premises and equipment expense | $728,000 | 2,859 |
| Additional noninterest expense | $1,680,000 | 2,610 |
| Pre-tax net operating income | $2,764,000 | 2,449 |
| Securities gains (losses) | $250,000 | 1,023 |
| Applicable income taxes | $893,000 | 2,254 |
| Income before extraordinary items | $2,121,000 | 2,399 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,121,000 | 2,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,516 |
| Cash dividends | $2,003,000 | 1,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,946,000 | 2,520 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,770,000 | 2,941 |
| Total interest expense | $5,728,000 | 2,903 |
| Net interest income | $6,042,000 | 2,917 |
| Provision for loan and lease losses | $301,000 | 2,815 |
| Total noninterest income | $2,548,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $828,000 | 1,673 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,720,000 | 1,250 |
| Total noninterest expense | $5,127,000 | 2,654 |
| Salaries and employee benefits | $2,780,000 | 2,562 |
| Premises and equipment expense | $609,000 | 3,227 |
| Additional noninterest expense | $1,738,000 | 2,467 |
| Pre-tax net operating income | $3,162,000 | 2,291 |
| Securities gains (losses) | $33,000 | 819 |
| Applicable income taxes | $927,000 | 2,266 |
| Income before extraordinary items | $2,268,000 | 2,275 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,268,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 1,701 |
| Cash dividends | $2,268,000 | 1,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,244,570 | 2,304 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,041,000 | 2,923 |
| Total interest expense | $4,866,000 | 2,999 |
| Net interest income | $6,175,000 | 2,842 |
| Provision for loan and lease losses | $363,000 | 2,262 |
| Total noninterest income | $2,249,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $790,000 | 1,678 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,459,000 | 1,428 |
| Total noninterest expense | $5,259,000 | 2,570 |
| Salaries and employee benefits | $2,865,000 | 2,451 |
| Premises and equipment expense | $677,000 | 2,945 |
| Additional noninterest expense | $1,717,000 | 2,520 |
| Pre-tax net operating income | $2,802,000 | 2,549 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $756,000 | 2,755 |
| Income before extraordinary items | $2,069,000 | 2,503 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,069,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,525 |
| Cash dividends | $1,923,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,052,210 | 2,489 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,075,000 | 2,697 |
| Total interest expense | $5,405,000 | 2,783 |
| Net interest income | $6,670,000 | 2,553 |
| Provision for loan and lease losses | $1,190,000 | 840 |
| Total noninterest income | $1,942,000 | 1,883 |
| Gross Fiduciary activities income | $43,000 | 1,135 |
| Service charges on deposit accounts | $915,000 | 1,376 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $984,000 | 1,878 |
| Total noninterest expense | $5,379,000 | 2,422 |
| Salaries and employee benefits | $2,862,000 | 2,359 |
| Premises and equipment expense | $866,000 | 2,251 |
| Additional noninterest expense | $1,651,000 | 2,531 |
| Pre-tax net operating income | $2,043,000 | 3,292 |
| Securities gains (losses) | $60,000 | 1,611 |
| Applicable income taxes | $465,000 | 4,039 |
| Income before extraordinary items | $1,638,000 | 3,031 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,638,000 | 3,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,003,000 | 750 |
| Cash dividends | $3,660,000 | 834 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,591,200 | 3,012 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,820,000 | 3,001 |
| Total interest expense | $4,518,000 | 3,285 |
| Net interest income | $6,302,000 | 2,766 |
| Provision for loan and lease losses | $662,000 | 1,384 |
| Total noninterest income | $1,490,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $842,000 | 1,547 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $648,000 | 2,349 |
| Total noninterest expense | $4,983,000 | 2,573 |
| Salaries and employee benefits | $2,475,000 | 2,676 |
| Premises and equipment expense | $916,000 | 2,147 |
| Additional noninterest expense | $1,592,000 | 2,582 |
| Pre-tax net operating income | $2,147,000 | 3,313 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $639,000 | 3,497 |
| Income before extraordinary items | $1,516,000 | 3,328 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,516,000 | 3,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 1,415 |
| Cash dividends | $1,460,000 | 1,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,510,400 | 3,260 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,531,000 | 3,801 |
| Total interest expense | $3,299,000 | 4,404 |
| Net interest income | $5,232,000 | 3,397 |
| Provision for loan and lease losses | $564,000 | 1,602 |
| Total noninterest income | $1,122,000 | 2,836 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $659,000 | 2,049 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $463,000 | 3,087 |
| Total noninterest expense | $4,279,000 | 3,141 |
| Salaries and employee benefits | $2,121,000 | 3,153 |
| Premises and equipment expense | $677,000 | 2,889 |
| Additional noninterest expense | $1,481,000 | 3,156 |
| Pre-tax net operating income | $1,511,000 | 4,316 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $435,000 | 4,624 |
| Income before extraordinary items | $1,101,000 | 4,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,101,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 1,456 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,083,000 | 4,141 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,727,000 | 5,415 |
| Total interest expense | $2,127,000 | 6,213 |
| Net interest income | $3,600,000 | 4,732 |
| Provision for loan and lease losses | $-297,000 | 11,856 |
| Total noninterest income | $1,114,000 | 2,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $561,000 | 2,409 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $553,000 | 2,689 |
| Total noninterest expense | $3,300,000 | 3,950 |
| Salaries and employee benefits | $1,773,000 | 3,700 |
| Premises and equipment expense | $612,000 | 3,161 |
| Additional noninterest expense | $915,000 | 4,700 |
| Pre-tax net operating income | $1,711,000 | 4,008 |
| Securities gains (losses) | $42,000 | 1,423 |
| Applicable income taxes | $473,000 | 4,366 |
| Income before extraordinary items | $1,280,000 | 3,732 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,280,000 | 3,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-237,000 | 11,877 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,249,340 | 3,802 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,809,000 | 5,840 |
| Total interest expense | $1,626,000 | 6,540 |
| Net interest income | $3,183,000 | 5,352 |
| Provision for loan and lease losses | $355,000 | 2,008 |
| Total noninterest income | $926,000 | 3,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $690,000 | 2,357 |
| Total noninterest expense | $2,885,000 | 4,562 |
| Salaries and employee benefits | $1,442,000 | 4,436 |
| Premises and equipment expense | $572,000 | 3,413 |
| Additional noninterest expense | $871,000 | 5,323 |
| Pre-tax net operating income | $869,000 | 6,547 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $129,000 | 8,731 |
| Income before extraordinary items | $742,000 | 5,652 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $742,000 | 5,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,602 |
| Cash dividends | $1,824,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $740,300 | 5,734 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,901,000 | 5,881 |
| Total interest expense | $1,532,000 | 7,104 |
| Net interest income | $3,369,000 | 5,128 |
| Provision for loan and lease losses | $32,000 | 8,327 |
| Total noninterest income | $484,000 | 5,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,855 |
| Total noninterest expense | $2,715,000 | 4,901 |
| Salaries and employee benefits | $1,388,000 | 4,590 |
| Premises and equipment expense | $436,000 | 4,372 |
| Additional noninterest expense | $891,000 | 5,416 |
| Pre-tax net operating income | $1,106,000 | 5,494 |
| Securities gains (losses) | $98,000 | 2,538 |
| Applicable income taxes | $255,000 | 6,707 |
| Income before extraordinary items | $949,000 | 4,887 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $949,000 | 5,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $773,000 | 2,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $871,580 | 4,991 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,052,000 | 6,338 |
| Total interest expense | $1,774,000 | 7,693 |
| Net interest income | $3,278,000 | 5,299 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $494,000 | 5,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,352 |
| Total noninterest expense | $2,399,000 | 5,494 |
| Salaries and employee benefits | $1,389,000 | 4,529 |
| Premises and equipment expense | $372,000 | 5,092 |
| Additional noninterest expense | $638,000 | 7,192 |
| Pre-tax net operating income | $1,320,000 | 4,558 |
| Securities gains (losses) | $165,000 | 2,288 |
| Applicable income taxes | $411,000 | 4,684 |
| Income before extraordinary items | $1,074,000 | 4,218 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,074,000 | 4,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $520,000 | 2,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $955,200 | 4,371 |
* 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.