Home > The Farmers National Bank of Opelika > Income and Expense
The Farmers National Bank of Opelika, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,733,000 | 2,373 |
| Total interest expense | $7,656,000 | 2,226 |
| Net interest income | $7,077,000 | 2,517 |
| Provision for loan and lease losses | $-140,000 | 9,824 |
| Total noninterest income | $2,313,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,261,000 | 1,073 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,052,000 | 1,796 |
| Total noninterest expense | $7,990,000 | 1,747 |
| Salaries and employee benefits | $4,425,000 | 1,609 |
| Premises and equipment expense | $1,183,000 | 1,768 |
| Additional noninterest expense | $2,382,000 | 1,851 |
| Pre-tax net operating income | $1,540,000 | 4,003 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $438,000 | 3,792 |
| Income before extraordinary items | $1,102,000 | 4,100 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,102,000 | 4,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,362,000 | 607 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,102,000 | 4,099 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,623,000 | 1,954 |
| Total interest expense | $8,677,000 | 1,712 |
| Net interest income | $7,946,000 | 2,212 |
| Provision for loan and lease losses | $8,000,000 | 235 |
| Total noninterest income | $2,547,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,380,000 | 961 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,167,000 | 1,682 |
| Total noninterest expense | $8,565,000 | 1,604 |
| Salaries and employee benefits | $4,407,000 | 1,569 |
| Premises and equipment expense | $1,159,000 | 1,766 |
| Additional noninterest expense | $2,999,000 | 1,516 |
| Pre-tax net operating income | $-6,072,000 | 10,212 |
| Securities gains (losses) | $125,000 | 653 |
| Applicable income taxes | $-2,515,000 | 10,202 |
| Income before extraordinary items | $-3,432,000 | 10,188 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-3,432,000 | 10,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,571,000 | 253 |
| Cash dividends | $1,539,000 | 1,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-3,512,000 | 10,185 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,988,000 | 1,711 |
| Total interest expense | $9,604,000 | 1,600 |
| Net interest income | $9,384,000 | 1,825 |
| Provision for loan and lease losses | $5,618,000 | 290 |
| Total noninterest income | $3,227,000 | 1,274 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,711,000 | 729 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,516,000 | 1,392 |
| Total noninterest expense | $7,652,000 | 1,712 |
| Salaries and employee benefits | $3,997,000 | 1,667 |
| Premises and equipment expense | $1,178,000 | 1,667 |
| Additional noninterest expense | $2,477,000 | 1,724 |
| Pre-tax net operating income | $-659,000 | 10,255 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-570,000 | 10,401 |
| Income before extraordinary items | $-89,000 | 9,948 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-89,000 | 9,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,152,000 | 450 |
| Cash dividends | $612,000 | 3,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-89,000 | 9,906 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,452,000 | 1,697 |
| Total interest expense | $9,172,000 | 1,699 |
| Net interest income | $10,280,000 | 1,702 |
| Provision for loan and lease losses | $1,451,000 | 745 |
| Total noninterest income | $2,844,000 | 1,335 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,575,000 | 806 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,269,000 | 1,489 |
| Total noninterest expense | $8,482,000 | 1,550 |
| Salaries and employee benefits | $4,000,000 | 1,642 |
| Premises and equipment expense | $1,266,000 | 1,535 |
| Additional noninterest expense | $3,216,000 | 1,353 |
| Pre-tax net operating income | $3,191,000 | 2,355 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $899,000 | 2,661 |
| Income before extraordinary items | $2,293,000 | 2,296 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,293,000 | 2,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,256,000 | 678 |
| Cash dividends | $222,000 | 5,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,292,280 | 2,239 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,392,000 | 1,841 |
| Total interest expense | $8,889,000 | 1,768 |
| Net interest income | $9,503,000 | 1,875 |
| Provision for loan and lease losses | $1,729,000 | 696 |
| Total noninterest income | $2,754,000 | 1,449 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,438,000 | 917 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,316,000 | 1,500 |
| Total noninterest expense | $7,622,000 | 1,858 |
| Salaries and employee benefits | $3,875,000 | 1,708 |
| Premises and equipment expense | $1,263,000 | 1,614 |
| Additional noninterest expense | $2,484,000 | 2,020 |
| Pre-tax net operating income | $2,906,000 | 2,438 |
| Securities gains (losses) | $27,000 | 1,767 |
| Applicable income taxes | $808,000 | 2,812 |
| Income before extraordinary items | $2,125,000 | 2,305 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,125,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,665,000 | 645 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,105,560 | 2,285 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,423,000 | 2,045 |
| Total interest expense | $7,516,000 | 2,085 |
| Net interest income | $8,907,000 | 2,019 |
| Provision for loan and lease losses | $849,000 | 1,084 |
| Total noninterest income | $2,753,000 | 1,433 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,229,000 | 1,080 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,524,000 | 1,370 |
| Total noninterest expense | $7,421,000 | 1,881 |
| Salaries and employee benefits | $3,907,000 | 1,700 |
| Premises and equipment expense | $1,197,000 | 1,683 |
| Additional noninterest expense | $2,317,000 | 2,130 |
| Pre-tax net operating income | $3,390,000 | 2,173 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,030,000 | 2,315 |
| Income before extraordinary items | $2,364,000 | 2,142 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,364,000 | 2,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 923 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,361,200 | 2,110 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,159,000 | 2,316 |
| Total interest expense | $5,035,000 | 2,443 |
| Net interest income | $8,124,000 | 2,220 |
| Provision for loan and lease losses | $880,000 | 1,018 |
| Total noninterest income | $2,551,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,100,000 | 1,211 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,451,000 | 1,416 |
| Total noninterest expense | $6,652,000 | 2,130 |
| Salaries and employee benefits | $3,123,000 | 2,116 |
| Premises and equipment expense | $1,144,000 | 1,796 |
| Additional noninterest expense | $2,385,000 | 2,219 |
| Pre-tax net operating income | $3,143,000 | 2,249 |
| Securities gains (losses) | $203,000 | 493 |
| Applicable income taxes | $1,068,000 | 2,095 |
| Income before extraordinary items | $2,278,000 | 2,145 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,278,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 994 |
| Cash dividends | $249,000 | 4,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,139,960 | 2,297 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,530,000 | 2,688 |
| Total interest expense | $5,037,000 | 2,550 |
| Net interest income | $6,493,000 | 2,785 |
| Provision for loan and lease losses | $910,000 | 1,385 |
| Total noninterest income | $2,378,000 | 1,742 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $985,000 | 1,367 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,393,000 | 1,639 |
| Total noninterest expense | $5,774,000 | 2,476 |
| Salaries and employee benefits | $2,704,000 | 2,463 |
| Premises and equipment expense | $1,004,000 | 2,042 |
| Additional noninterest expense | $2,066,000 | 2,654 |
| Pre-tax net operating income | $2,187,000 | 3,032 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $619,000 | 3,507 |
| Income before extraordinary items | $1,568,000 | 3,110 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,568,000 | 3,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $782,000 | 1,339 |
| Cash dividends | $309,000 | 4,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,568,000 | 2,931 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,894,000 | 3,219 |
| Total interest expense | $5,143,000 | 3,233 |
| Net interest income | $5,751,000 | 3,195 |
| Provision for loan and lease losses | $731,000 | 2,294 |
| Total noninterest income | $1,677,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $855,000 | 1,588 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $822,000 | 2,274 |
| Total noninterest expense | $4,596,000 | 3,105 |
| Salaries and employee benefits | $2,117,000 | 3,054 |
| Premises and equipment expense | $724,000 | 2,844 |
| Additional noninterest expense | $1,755,000 | 3,126 |
| Pre-tax net operating income | $2,101,000 | 2,961 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $643,000 | 3,243 |
| Income before extraordinary items | $1,473,000 | 3,131 |
| Extraordinary gains, net | $-66,000 | 13,607 |
| Net income | $1,407,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 1,722 |
| Cash dividends | $170,000 | 5,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,462,500 | 2,922 |
* 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.