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The First National Bank of Effingham, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$8,298,0003,614
Total interest expense$3,915,0003,112
Net interest income$4,383,0004,014
Provision for loan and lease losses$154,0003,551
Total noninterest income$712,0004,067
Gross Fiduciary activities income$120,0001,139
Service charges on deposit accounts$202,0005,828
Trading account gains and fees$0475
Additional Noninterest Income$390,0003,466
Total noninterest expense$3,133,0004,249
Salaries and employee benefits$1,445,0004,421
Premises and equipment expense$342,0005,158
Additional noninterest expense$1,346,0003,666
Pre-tax net operating income$1,808,0003,731
Securities gains (losses)$52,0001,128
Applicable income taxes$556,0003,733
Income before extraordinary items$1,304,0003,576
Extraordinary gains, net$0249
Net income$1,304,0003,584
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-78,00012,132
Cash dividends$658,0002,638
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,267,6003,713
1993-12-31 (YTD Data)Rank
Total interest income$7,827,0003,885
Total interest expense$3,788,0003,322
Net interest income$4,039,0004,358
Provision for loan and lease losses$60,0006,949
Total noninterest income$636,0004,764
Gross Fiduciary activities income$79,0001,254
Service charges on deposit accounts$199,0005,987
Trading account gains and fees$0532
Additional Noninterest Income$358,0004,059
Total noninterest expense$2,983,0004,535
Salaries and employee benefits$1,333,0004,772
Premises and equipment expense$235,0006,992
Additional noninterest expense$1,415,0003,676
Pre-tax net operating income$1,632,0004,015
Securities gains (losses)$261,0001,423
Applicable income taxes$598,0003,612
Income before extraordinary items$1,295,0003,723
Extraordinary gains, net$03,149
Net income$1,295,0003,839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0003,491
Cash dividends$643,0002,542
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,117,5204,052
1992-12-31 (YTD Data)Rank
Total interest income$8,553,0004,040
Total interest expense$4,535,0003,618
Net interest income$4,018,0004,423
Provision for loan and lease losses$177,0005,621
Total noninterest income$438,0006,185
Gross Fiduciary activities income$36,0001,410
Service charges on deposit accounts$174,0006,517
Trading account gains and fees$0504
Additional Noninterest Income$228,0005,261
Total noninterest expense$3,234,0004,226
Salaries and employee benefits$1,450,0004,356
Premises and equipment expense$389,0004,906
Additional noninterest expense$1,395,0003,803
Pre-tax net operating income$1,045,0005,454
Securities gains (losses)$51,0004,091
Applicable income taxes$346,0005,403
Income before extraordinary items$750,0005,631
Extraordinary gains, net$01,422
Net income$750,0005,693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00012,286
Cash dividends$248,0004,530
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$715,3205,489

* 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.