Home > The First National Bank of Conway > Income and Expense
The First National Bank of Conway, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,216,000 | 1,417 |
| Total interest expense | $9,814,000 | 1,580 |
| Net interest income | $13,402,000 | 1,294 |
| Provision for loan and lease losses | $580,000 | 1,588 |
| Total noninterest income | $2,499,000 | 1,484 |
| Gross Fiduciary activities income | $94,000 | 1,064 |
| Service charges on deposit accounts | $1,648,000 | 772 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $757,000 | 2,102 |
| Total noninterest expense | $7,035,000 | 1,841 |
| Salaries and employee benefits | $3,718,000 | 1,756 |
| Premises and equipment expense | $823,000 | 2,356 |
| Additional noninterest expense | $2,494,000 | 1,705 |
| Pre-tax net operating income | $8,286,000 | 993 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $2,681,000 | 1,032 |
| Income before extraordinary items | $5,607,000 | 993 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,607,000 | 994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,310 |
| Cash dividends | $3,100,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,605,640 | 967 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,419,000 | 1,566 |
| Total interest expense | $9,197,000 | 1,717 |
| Net interest income | $12,222,000 | 1,468 |
| Provision for loan and lease losses | $210,000 | 3,297 |
| Total noninterest income | $2,154,000 | 1,732 |
| Gross Fiduciary activities income | $54,000 | 1,221 |
| Service charges on deposit accounts | $1,415,000 | 938 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $685,000 | 2,335 |
| Total noninterest expense | $6,761,000 | 2,055 |
| Salaries and employee benefits | $3,402,000 | 1,933 |
| Premises and equipment expense | $867,000 | 2,278 |
| Additional noninterest expense | $2,492,000 | 2,013 |
| Pre-tax net operating income | $7,405,000 | 1,020 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $2,648,000 | 969 |
| Income before extraordinary items | $4,763,000 | 1,085 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,763,000 | 1,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,000 |
| Cash dividends | $3,500,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,759,160 | 1,066 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,094,000 | 1,777 |
| Total interest expense | $8,467,000 | 1,867 |
| Net interest income | $10,627,000 | 1,681 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $1,933,000 | 1,896 |
| Gross Fiduciary activities income | $92,000 | 1,178 |
| Service charges on deposit accounts | $1,279,000 | 1,046 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $562,000 | 2,662 |
| Total noninterest expense | $6,310,000 | 2,170 |
| Salaries and employee benefits | $3,142,000 | 2,112 |
| Premises and equipment expense | $736,000 | 2,681 |
| Additional noninterest expense | $2,432,000 | 2,045 |
| Pre-tax net operating income | $6,205,000 | 1,231 |
| Securities gains (losses) | $42,000 | 1,423 |
| Applicable income taxes | $2,197,000 | 1,177 |
| Income before extraordinary items | $4,050,000 | 1,303 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,050,000 | 1,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,244 |
| Cash dividends | $1,650,000 | 1,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,022,700 | 1,290 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,619,000 | 1,973 |
| Total interest expense | $5,670,000 | 2,197 |
| Net interest income | $9,949,000 | 1,819 |
| Provision for loan and lease losses | $57,000 | 5,874 |
| Total noninterest income | $1,589,000 | 2,193 |
| Gross Fiduciary activities income | $70,000 | 1,251 |
| Service charges on deposit accounts | $1,158,000 | 1,145 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $361,000 | 3,648 |
| Total noninterest expense | $6,259,000 | 2,257 |
| Salaries and employee benefits | $3,107,000 | 2,128 |
| Premises and equipment expense | $771,000 | 2,610 |
| Additional noninterest expense | $2,381,000 | 2,224 |
| Pre-tax net operating income | $5,222,000 | 1,412 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $1,755,000 | 1,342 |
| Income before extraordinary items | $3,469,000 | 1,430 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,469,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,190 |
| Cash dividends | $1,600,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,467,680 | 1,444 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,829,000 | 2,108 |
| Total interest expense | $5,216,000 | 2,480 |
| Net interest income | $9,613,000 | 1,877 |
| Provision for loan and lease losses | $580,000 | 1,910 |
| Total noninterest income | $1,527,000 | 2,419 |
| Gross Fiduciary activities income | $62,000 | 1,299 |
| Service charges on deposit accounts | $1,229,000 | 1,085 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $236,000 | 5,167 |
| Total noninterest expense | $5,882,000 | 2,434 |
| Salaries and employee benefits | $3,031,000 | 2,190 |
| Premises and equipment expense | $768,000 | 2,656 |
| Additional noninterest expense | $2,083,000 | 2,637 |
| Pre-tax net operating income | $4,678,000 | 1,502 |
| Securities gains (losses) | $51,000 | 3,368 |
| Applicable income taxes | $1,396,000 | 1,666 |
| Income before extraordinary items | $3,333,000 | 1,522 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,333,000 | 1,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,316 |
| Cash dividends | $3,400,000 | 647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,297,300 | 1,453 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,232,000 | 2,181 |
| Total interest expense | $6,637,000 | 2,549 |
| Net interest income | $9,595,000 | 1,910 |
| Provision for loan and lease losses | $480,000 | 3,089 |
| Total noninterest income | $1,380,000 | 2,548 |
| Gross Fiduciary activities income | $30,000 | 1,435 |
| Service charges on deposit accounts | $1,135,000 | 1,169 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $215,000 | 5,429 |
| Total noninterest expense | $5,900,000 | 2,458 |
| Salaries and employee benefits | $3,038,000 | 2,161 |
| Premises and equipment expense | $653,000 | 3,114 |
| Additional noninterest expense | $2,209,000 | 2,579 |
| Pre-tax net operating income | $4,595,000 | 1,386 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $1,328,000 | 1,601 |
| Income before extraordinary items | $3,293,000 | 1,407 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,293,000 | 1,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $856,000 | 1,738 |
| Cash dividends | $3,476,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,274,540 | 1,304 |
* 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.