Home > The First Bank of Chattanooga > Income and Expense

The First Bank of Chattanooga, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$991,000	10,835
Total interest expense	$526,000	10,510
Net interest income	$465,000	10,956
Provision for loan and lease losses	$449,000	1,904
Total noninterest income	$91,000	10,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,823
Total noninterest expense	$476,000	10,679
Salaries and employee benefits	$217,000	10,923
Premises and equipment expense	$41,000	10,885
Additional noninterest expense	$218,000	9,728
Pre-tax net operating income	$-369,000	11,176
Securities gains (losses)	$0	4,148
Applicable income taxes	$-149,000	11,228
Income before extraordinary items	$-220,000	11,122
Extraordinary gains, net	$0	53
Net income	$-220,000	11,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$276,000	2,199
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-220,000	11,080
1995-12-31 (YTD Data)		Rank
Total interest income	$1,114,000	11,096
Total interest expense	$583,000	10,731
Net interest income	$531,000	11,320
Provision for loan and lease losses	$61,000	5,684
Total noninterest income	$95,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	8,206
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	11,437
Total noninterest expense	$471,000	11,144
Salaries and employee benefits	$199,000	11,503
Premises and equipment expense	$38,000	11,427
Additional noninterest expense	$234,000	10,015
Pre-tax net operating income	$94,000	11,118
Securities gains (losses)	$54,000	1,255
Applicable income taxes	$44,000	10,292
Income before extraordinary items	$104,000	10,895
Extraordinary gains, net	$0	65
Net income	$104,000	10,896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,321
Cash dividends	$90,000	6,999
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$66,200	11,165
1994-12-31 (YTD Data)		Rank
Total interest income	$1,050,000	11,618
Total interest expense	$445,000	11,367
Net interest income	$605,000	11,688
Provision for loan and lease losses	$12,000	8,270
Total noninterest income	$120,000	10,295
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	8,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,859
Total noninterest expense	$472,000	11,740
Salaries and employee benefits	$201,000	12,067
Premises and equipment expense	$46,000	11,772
Additional noninterest expense	$225,000	10,833
Pre-tax net operating income	$241,000	10,568
Securities gains (losses)	$-11,000	9,904
Applicable income taxes	$80,000	9,807
Income before extraordinary items	$150,000	10,820
Extraordinary gains, net	$0	249
Net income	$150,000	10,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$110,000	6,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$157,150	10,775
1993-12-31 (YTD Data)		Rank
Total interest income	$1,036,000	12,213
Total interest expense	$444,000	11,977
Net interest income	$592,000	12,239
Provision for loan and lease losses	$48,000	7,582
Total noninterest income	$99,000	11,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	12,609
Total noninterest expense	$418,000	12,563
Salaries and employee benefits	$195,000	12,686
Premises and equipment expense	$43,000	12,433
Additional noninterest expense	$180,000	12,017
Pre-tax net operating income	$225,000	10,825
Securities gains (losses)	$-7,000	12,665
Applicable income taxes	$77,000	10,286
Income before extraordinary items	$141,000	11,312
Extraordinary gains, net	$0	3,149
Net income	$141,000	11,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	6,513
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$145,550	11,056
1992-12-31 (YTD Data)		Rank
Total interest income	$1,135,000	12,757
Total interest expense	$536,000	12,590
Net interest income	$599,000	12,713
Provision for loan and lease losses	$97,000	7,370
Total noninterest income	$103,000	11,644
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	13,358
Total noninterest expense	$428,000	13,028
Salaries and employee benefits	$190,000	13,250
Premises and equipment expense	$42,000	12,992
Additional noninterest expense	$196,000	12,296
Pre-tax net operating income	$177,000	11,286
Securities gains (losses)	$27,000	5,154
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$134,000	11,487
Extraordinary gains, net	$0	1,422
Net income	$134,000	11,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	6,088
Cash dividends	$80,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$116,180	11,412

* 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.