Home > The First National Bank of Downsville > Income and Expense
The First National Bank of Downsville, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 7,279 |
| Total interest expense | $1,564,000 | 7,003 |
| Net interest income | $2,124,000 | 7,376 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $407,000 | 6,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,825 |
| Total noninterest expense | $4,974,000 | 2,870 |
| Salaries and employee benefits | $1,199,000 | 5,249 |
| Premises and equipment expense | $366,000 | 5,057 |
| Additional noninterest expense | $3,409,000 | 1,719 |
| Pre-tax net operating income | $-2,683,000 | 13,120 |
| Securities gains (losses) | $1,492,000 | 392 |
| Applicable income taxes | $56,000 | 10,800 |
| Income before extraordinary items | $-1,247,000 | 13,027 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,247,000 | 13,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 1,752 |
| Cash dividends | $62,000 | 7,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,739,000 | 13,101 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 6,483 |
| Total interest expense | $2,177,000 | 6,674 |
| Net interest income | $2,729,000 | 6,159 |
| Provision for loan and lease losses | $295,000 | 4,193 |
| Total noninterest income | $515,000 | 5,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 7,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $385,000 | 3,796 |
| Total noninterest expense | $3,089,000 | 4,401 |
| Salaries and employee benefits | $1,098,000 | 5,593 |
| Premises and equipment expense | $353,000 | 5,331 |
| Additional noninterest expense | $1,638,000 | 3,335 |
| Pre-tax net operating income | $-140,000 | 13,009 |
| Securities gains (losses) | $415,000 | 1,246 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $170,000 | 10,995 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $170,000 | 11,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 4,172 |
| Cash dividends | $320,000 | 3,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-95,600 | 12,903 |
* 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.