Home > The First National Bank and Trust Company > Income and Expense
The First National Bank and Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 5,925 |
| Total interest expense | $2,097,000 | 5,818 |
| Net interest income | $2,418,000 | 5,923 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $611,000 | 4,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,232 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $2,000,000 | 5,679 |
| Salaries and employee benefits | $913,000 | 6,247 |
| Premises and equipment expense | $207,000 | 6,697 |
| Additional noninterest expense | $880,000 | 4,455 |
| Pre-tax net operating income | $949,000 | 5,459 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $323,000 | 4,647 |
| Income before extraordinary items | $628,000 | 5,769 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $628,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,174 |
| Cash dividends | $436,000 | 3,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $626,680 | 5,740 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,812,000 | 5,829 |
| Total interest expense | $2,197,000 | 5,838 |
| Net interest income | $2,615,000 | 5,674 |
| Provision for loan and lease losses | $238,000 | 3,151 |
| Total noninterest income | $637,000 | 4,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $241,000 | 4,503 |
| Total noninterest expense | $2,011,000 | 5,578 |
| Salaries and employee benefits | $941,000 | 6,025 |
| Premises and equipment expense | $204,000 | 6,645 |
| Additional noninterest expense | $866,000 | 4,420 |
| Pre-tax net operating income | $1,003,000 | 5,402 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $347,000 | 4,779 |
| Income before extraordinary items | $656,000 | 5,789 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $656,000 | 5,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,854 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $656,000 | 5,682 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,480,000 | 6,246 |
| Total interest expense | $1,995,000 | 6,281 |
| Net interest income | $2,485,000 | 6,074 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $583,000 | 4,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 4,817 |
| Total noninterest expense | $2,041,000 | 5,579 |
| Salaries and employee benefits | $1,006,000 | 5,833 |
| Premises and equipment expense | $270,000 | 5,801 |
| Additional noninterest expense | $765,000 | 4,894 |
| Pre-tax net operating income | $847,000 | 6,343 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $296,000 | 5,759 |
| Income before extraordinary items | $550,000 | 6,671 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $550,000 | 6,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,386 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $550,650 | 6,609 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,409,000 | 6,479 |
| Total interest expense | $1,959,000 | 6,492 |
| Net interest income | $2,450,000 | 6,278 |
| Provision for loan and lease losses | $130,000 | 4,417 |
| Total noninterest income | $553,000 | 4,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,809 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,043 |
| Total noninterest expense | $2,056,000 | 5,833 |
| Salaries and employee benefits | $928,000 | 6,318 |
| Premises and equipment expense | $293,000 | 5,680 |
| Additional noninterest expense | $835,000 | 5,039 |
| Pre-tax net operating income | $817,000 | 6,444 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $276,000 | 6,102 |
| Income before extraordinary items | $537,000 | 6,643 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $537,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,667 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $539,640 | 6,564 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,911,000 | 7,095 |
| Total interest expense | $1,721,000 | 7,086 |
| Net interest income | $2,190,000 | 6,891 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $488,000 | 5,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 4,009 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,743 |
| Total noninterest expense | $2,038,000 | 5,900 |
| Salaries and employee benefits | $866,000 | 6,724 |
| Premises and equipment expense | $352,000 | 4,999 |
| Additional noninterest expense | $820,000 | 5,150 |
| Pre-tax net operating income | $604,000 | 7,852 |
| Securities gains (losses) | $-50,000 | 11,171 |
| Applicable income taxes | $197,000 | 7,466 |
| Income before extraordinary items | $357,000 | 8,418 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $357,000 | 8,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $389,000 | 8,128 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,025,000 | 7,988 |
| Total interest expense | $1,218,000 | 7,824 |
| Net interest income | $1,807,000 | 8,026 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $426,000 | 5,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,781,000 | 6,748 |
| Salaries and employee benefits | $857,000 | 6,892 |
| Premises and equipment expense | $256,000 | 6,422 |
| Additional noninterest expense | $668,000 | 6,553 |
| Pre-tax net operating income | $434,000 | 9,100 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $139,000 | 8,530 |
| Income before extraordinary items | $284,000 | 9,314 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $284,000 | 9,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,444 |
| Cash dividends | $117,000 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $291,370 | 9,309 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 8,657 |
| Total interest expense | $1,157,000 | 8,449 |
| Net interest income | $1,644,000 | 8,662 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $398,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $1,691,000 | 7,215 |
| Salaries and employee benefits | $848,000 | 7,027 |
| Premises and equipment expense | $271,000 | 6,324 |
| Additional noninterest expense | $572,000 | 7,579 |
| Pre-tax net operating income | $321,000 | 10,066 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $95,000 | 9,865 |
| Income before extraordinary items | $226,000 | 10,332 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $215,000 | 10,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $226,000 | 10,089 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,186,000 | 8,659 |
| Total interest expense | $1,506,000 | 8,489 |
| Net interest income | $1,680,000 | 8,721 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $365,000 | 6,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,442 |
| Total noninterest expense | $1,454,000 | 8,086 |
| Salaries and employee benefits | $707,000 | 7,934 |
| Premises and equipment expense | $238,000 | 7,007 |
| Additional noninterest expense | $509,000 | 8,374 |
| Pre-tax net operating income | $576,000 | 7,886 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $224,000 | 7,109 |
| Income before extraordinary items | $383,000 | 8,385 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $383,000 | 8,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $144,000 | 5,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $363,160 | 8,218 |
* 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.