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The First National Bank of Bayard, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$912,00011,868
Total interest expense$379,00011,692
Net interest income$533,00011,899
Provision for loan and lease losses$511,0001,512
Total noninterest income$190,0008,922
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$50,0009,692
Trading account gains and feesNANA
Additional Noninterest Income$140,0006,416
Total noninterest expense$596,00011,144
Salaries and employee benefits$315,00011,060
Premises and equipment expense$59,00011,335
Additional noninterest expense$222,00010,867
Pre-tax net operating income$-384,00012,341
Securities gains (losses)$03,600
Applicable income taxes$-144,00012,350
Income before extraordinary items$-240,00012,246
Extraordinary gains, net$0249
Net income$-240,00012,245
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$404,0001,583
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-240,00012,271
1993-12-31 (YTD Data)Rank
Total interest income$1,042,00012,200
Total interest expense$455,00011,915
Net interest income$587,00012,264
Provision for loan and lease losses$126,0005,087
Total noninterest income$171,0009,796
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0009,975
Trading account gains and feesNANA
Additional Noninterest Income$119,0007,333
Total noninterest expense$683,00011,247
Salaries and employee benefits$354,00011,105
Premises and equipment expense$49,00012,246
Additional noninterest expense$280,00010,687
Pre-tax net operating income$-51,00012,539
Securities gains (losses)$1,0007,052
Applicable income taxes$-15,00012,805
Income before extraordinary items$-35,00012,595
Extraordinary gains, net$03,149
Net income$-35,00012,622
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0004,007
Cash dividends$57,0007,811
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-35,70012,483
1992-12-31 (YTD Data)Rank
Total interest income$1,139,00012,746
Total interest expense$546,00012,548
Net interest income$593,00012,728
Provision for loan and lease losses$39,0009,563
Total noninterest income$161,00010,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$56,00010,079
Trading account gains and feesNANA
Additional Noninterest Income$105,0007,891
Total noninterest expense$610,00012,001
Salaries and employee benefits$346,00011,488
Premises and equipment expense$59,00012,326
Additional noninterest expense$205,00012,175
Pre-tax net operating income$105,00011,976
Securities gains (losses)$08,369
Applicable income taxes$18,00012,166
Income before extraordinary items$87,00012,122
Extraordinary gains, net$01,422
Net income$87,00012,171
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0005,577
Cash dividends$80,0006,992
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$87,00011,821

* 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.