Home > The First National Bank of Eden > Income and Expense

The First National Bank of Eden, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$804,000	11,018
Total interest expense	$282,000	11,111
Net interest income	$522,000	10,843
Provision for loan and lease losses	$25,000	7,649
Total noninterest income	$110,000	9,702
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	8,618
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,801
Total noninterest expense	$292,000	11,243
Salaries and employee benefits	$146,000	11,249
Premises and equipment expense	$22,000	11,270
Additional noninterest expense	$124,000	10,858
Pre-tax net operating income	$315,000	9,028
Securities gains (losses)	$0	4,148
Applicable income taxes	$111,000	8,554
Income before extraordinary items	$204,000	9,254
Extraordinary gains, net	$0	53
Net income	$204,000	9,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,621
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$204,000	9,199
1995-12-31 (YTD Data)		Rank
Total interest income	$803,000	11,517
Total interest expense	$272,000	11,635
Net interest income	$531,000	11,320
Provision for loan and lease losses	$50,000	6,165
Total noninterest income	$129,000	9,681
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	8,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	8,849
Total noninterest expense	$300,000	11,713
Salaries and employee benefits	$154,000	11,723
Premises and equipment expense	$11,000	11,891
Additional noninterest expense	$135,000	11,244
Pre-tax net operating income	$310,000	9,668
Securities gains (losses)	$0	3,831
Applicable income taxes	$94,000	9,294
Income before extraordinary items	$216,000	9,762
Extraordinary gains, net	$0	65
Net income	$216,000	9,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$216,000	9,733
1994-12-31 (YTD Data)		Rank
Total interest income	$770,000	12,102
Total interest expense	$244,000	12,225
Net interest income	$526,000	11,923
Provision for loan and lease losses	$0	9,146
Total noninterest income	$143,000	9,846
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	8,968
Total noninterest expense	$278,000	12,397
Salaries and employee benefits	$134,000	12,421
Premises and equipment expense	$24,000	12,357
Additional noninterest expense	$120,000	12,113
Pre-tax net operating income	$391,000	9,436
Securities gains (losses)	$0	3,600
Applicable income taxes	$172,000	7,876
Income before extraordinary items	$219,000	10,043
Extraordinary gains, net	$0	249
Net income	$219,000	10,054
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-64,000	12,022
Cash dividends	$250,000	4,888
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$219,000	10,106
1993-12-31 (YTD Data)		Rank
Total interest income	$741,000	12,752
Total interest expense	$235,000	12,885
Net interest income	$506,000	12,540
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$131,000	10,604
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	9,505
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	9,257
Total noninterest expense	$254,000	13,092
Salaries and employee benefits	$127,000	13,094
Premises and equipment expense	$13,000	13,180
Additional noninterest expense	$114,000	12,822
Pre-tax net operating income	$333,000	9,958
Securities gains (losses)	$0	7,477
Applicable income taxes	$120,000	9,304
Income before extraordinary items	$213,000	10,496
Extraordinary gains, net	$0	3,149
Net income	$213,000	10,602
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	7,654
Cash dividends	$199,000	5,512
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$213,000	10,255
1992-12-31 (YTD Data)		Rank
Total interest income	$815,000	13,333
Total interest expense	$297,000	13,487
Net interest income	$518,000	13,019
Provision for loan and lease losses	$94,000	7,468
Total noninterest income	$112,000	11,406
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	10,479
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	9,490
Total noninterest expense	$257,000	13,683
Salaries and employee benefits	$116,000	13,731
Premises and equipment expense	$11,000	13,823
Additional noninterest expense	$130,000	13,208
Pre-tax net operating income	$279,000	10,344
Securities gains (losses)	$0	8,369
Applicable income taxes	$115,000	9,514
Income before extraordinary items	$164,000	11,079
Extraordinary gains, net	$0	1,422
Net income	$164,000	11,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	6,617
Cash dividends	$149,000	5,835
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$164,000	10,747

* 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.