Home > The First Bank of Stuart > Income and Expense
The First Bank of Stuart, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,554,000 | 2,604 |
| Total interest expense | $6,621,000 | 2,286 |
| Net interest income | $5,933,000 | 2,908 |
| Provision for loan and lease losses | $421,000 | 1,977 |
| Total noninterest income | $579,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $232,000 | 4,727 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $347,000 | 3,722 |
| Total noninterest expense | $3,563,000 | 3,556 |
| Salaries and employee benefits | $1,362,000 | 4,592 |
| Premises and equipment expense | $206,000 | 6,617 |
| Additional noninterest expense | $1,995,000 | 2,117 |
| Pre-tax net operating income | $2,528,000 | 2,751 |
| Securities gains (losses) | $52,000 | 1,697 |
| Applicable income taxes | $571,000 | 3,525 |
| Income before extraordinary items | $2,009,000 | 2,541 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,009,000 | 2,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,101 |
| Cash dividends | $838,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,968,440 | 2,517 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,571,000 | 2,834 |
| Total interest expense | $6,115,000 | 2,454 |
| Net interest income | $5,456,000 | 3,201 |
| Provision for loan and lease losses | $355,000 | 2,301 |
| Total noninterest income | $488,000 | 5,072 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $198,000 | 5,361 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $290,000 | 4,011 |
| Total noninterest expense | $3,448,000 | 3,651 |
| Salaries and employee benefits | $1,348,000 | 4,642 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $1,887,000 | 2,210 |
| Pre-tax net operating income | $2,141,000 | 3,322 |
| Securities gains (losses) | $199,000 | 706 |
| Applicable income taxes | $484,000 | 4,309 |
| Income before extraordinary items | $1,856,000 | 2,758 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,856,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,806 |
| Cash dividends | $1,126,000 | 1,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,698,790 | 2,940 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,624,000 | 3,389 |
| Total interest expense | $4,447,000 | 3,355 |
| Net interest income | $5,177,000 | 3,437 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $429,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $207,000 | 5,433 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $222,000 | 4,890 |
| Total noninterest expense | $3,327,000 | 3,968 |
| Salaries and employee benefits | $1,259,000 | 4,986 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $1,811,000 | 2,678 |
| Pre-tax net operating income | $2,194,000 | 3,171 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $382,000 | 5,043 |
| Income before extraordinary items | $1,836,000 | 2,647 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,836,000 | 2,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,737 |
| Cash dividends | $2,792,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,816,080 | 2,635 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,322,000 | 3,503 |
| Total interest expense | $4,216,000 | 3,520 |
| Net interest income | $5,106,000 | 3,462 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $358,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $195,000 | 5,770 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $163,000 | 5,743 |
| Total noninterest expense | $3,330,000 | 3,924 |
| Salaries and employee benefits | $1,334,000 | 4,769 |
| Premises and equipment expense | $267,000 | 6,100 |
| Additional noninterest expense | $1,729,000 | 2,710 |
| Pre-tax net operating income | $2,074,000 | 3,370 |
| Securities gains (losses) | $28,000 | 1,681 |
| Applicable income taxes | $308,000 | 5,904 |
| Income before extraordinary items | $1,794,000 | 2,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,794,000 | 2,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $851,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,770,200 | 2,747 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,245,000 | 3,640 |
| Total interest expense | $3,406,000 | 3,533 |
| Net interest income | $4,839,000 | 3,672 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $172,000 | 6,404 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $131,000 | 6,643 |
| Total noninterest expense | $3,088,000 | 4,306 |
| Salaries and employee benefits | $1,481,000 | 4,322 |
| Premises and equipment expense | $256,000 | 6,422 |
| Additional noninterest expense | $1,351,000 | 3,650 |
| Pre-tax net operating income | $2,054,000 | 3,350 |
| Securities gains (losses) | $-252,000 | 12,041 |
| Applicable income taxes | $192,000 | 7,478 |
| Income before extraordinary items | $1,610,000 | 2,988 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,610,000 | 2,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,294 |
| Cash dividends | $563,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,834,280 | 2,662 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,036,000 | 3,798 |
| Total interest expense | $3,454,000 | 3,632 |
| Net interest income | $4,582,000 | 3,867 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $270,000 | 8,057 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $155,000 | 6,967 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $115,000 | 7,444 |
| Total noninterest expense | $2,920,000 | 4,624 |
| Salaries and employee benefits | $1,465,000 | 4,368 |
| Premises and equipment expense | $254,000 | 6,618 |
| Additional noninterest expense | $1,201,000 | 4,188 |
| Pre-tax net operating income | $1,917,000 | 3,447 |
| Securities gains (losses) | $95,000 | 2,571 |
| Applicable income taxes | $297,000 | 6,114 |
| Income before extraordinary items | $1,715,000 | 2,872 |
| Extraordinary gains, net | $-12,000 | 12,346 |
| Net income | $1,703,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $498,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,634,250 | 2,830 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,596,000 | 4,019 |
| Total interest expense | $4,212,000 | 3,887 |
| Net interest income | $4,384,000 | 4,104 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $317,000 | 7,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 6,417 |
| Total noninterest expense | $2,591,000 | 5,143 |
| Salaries and employee benefits | $1,183,000 | 5,235 |
| Premises and equipment expense | $276,000 | 6,348 |
| Additional noninterest expense | $1,132,000 | 4,574 |
| Pre-tax net operating income | $2,110,000 | 2,950 |
| Securities gains (losses) | $261,000 | 1,667 |
| Applicable income taxes | $369,000 | 5,101 |
| Income before extraordinary items | $2,002,000 | 2,293 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,002,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 4,061 |
| Cash dividends | $415,000 | 3,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,782,760 | 2,383 |
* 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.