Home > The First National Bank of Elwood > Income and Expense
The First National Bank of Elwood, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 8,611 |
| Total interest expense | $554,000 | 8,233 |
| Net interest income | $716,000 | 8,717 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $43,000 | 9,014 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $32,000 | 7,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $646,000 | 8,662 |
| Salaries and employee benefits | $411,000 | 8,476 |
| Premises and equipment expense | $56,000 | 8,806 |
| Additional noninterest expense | $179,000 | 8,687 |
| Pre-tax net operating income | $113,000 | 8,265 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-6,000 | 8,832 |
| Income before extraordinary items | $119,000 | 8,237 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $119,000 | 8,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $8,000 | 6,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $119,000 | 8,135 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,362,000 | 8,856 |
| Total interest expense | $732,000 | 8,568 |
| Net interest income | $630,000 | 8,982 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $40,000 | 9,271 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $32,000 | 7,942 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,000 | 9,210 |
| Total noninterest expense | $549,000 | 9,069 |
| Salaries and employee benefits | $362,000 | 8,783 |
| Premises and equipment expense | $30,000 | 9,406 |
| Additional noninterest expense | $157,000 | 8,999 |
| Pre-tax net operating income | $121,000 | 8,233 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $11,000 | 7,558 |
| Income before extraordinary items | $110,000 | 8,268 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $110,000 | 8,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $8,000 | 6,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $110,000 | 8,163 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 9,014 |
| Total interest expense | $777,000 | 8,692 |
| Net interest income | $664,000 | 9,190 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $41,000 | 9,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,368 |
| Total noninterest expense | $563,000 | 9,209 |
| Salaries and employee benefits | $369,000 | 8,909 |
| Premises and equipment expense | $31,000 | 9,657 |
| Additional noninterest expense | $163,000 | 9,133 |
| Pre-tax net operating income | $142,000 | 8,629 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $14,000 | 7,972 |
| Income before extraordinary items | $128,000 | 8,539 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $128,000 | 8,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $7,000 | 6,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $128,000 | 8,537 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 9,319 |
| Total interest expense | $655,000 | 9,058 |
| Net interest income | $640,000 | 9,424 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $40,000 | 9,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,637 |
| Total noninterest expense | $522,000 | 9,574 |
| Salaries and employee benefits | $342,000 | 9,238 |
| Premises and equipment expense | $39,000 | 9,842 |
| Additional noninterest expense | $141,000 | 9,591 |
| Pre-tax net operating income | $158,000 | 8,769 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $19,000 | 8,242 |
| Income before extraordinary items | $139,000 | 8,720 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $139,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $7,000 | 7,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $139,000 | 8,677 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,324,000 | 9,504 |
| Total interest expense | $711,000 | 9,173 |
| Net interest income | $613,000 | 9,702 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $35,000 | 10,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,056 |
| Total noninterest expense | $535,000 | 9,652 |
| Salaries and employee benefits | $335,000 | 9,389 |
| Premises and equipment expense | $48,000 | 9,864 |
| Additional noninterest expense | $152,000 | 9,634 |
| Pre-tax net operating income | $113,000 | 9,352 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,000 | 9,206 |
| Income before extraordinary items | $108,000 | 9,290 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $108,000 | 9,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $7,000 | 7,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $108,000 | 9,214 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 9,921 |
| Total interest expense | $702,000 | 9,535 |
| Net interest income | $606,000 | 10,172 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $45,000 | 10,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $487,000 | 10,171 |
| Salaries and employee benefits | $312,000 | 9,867 |
| Premises and equipment expense | $40,000 | 10,440 |
| Additional noninterest expense | $135,000 | 10,175 |
| Pre-tax net operating income | $164,000 | 9,769 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $28,000 | 9,589 |
| Income before extraordinary items | $136,000 | 9,714 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $136,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $7,000 | 7,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $136,000 | 9,667 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 10,422 |
| Total interest expense | $708,000 | 9,940 |
| Net interest income | $570,000 | 10,732 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $46,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 9,384 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,642 |
| Total noninterest expense | $483,000 | 10,657 |
| Salaries and employee benefits | $303,000 | 10,325 |
| Premises and equipment expense | $36,000 | 11,014 |
| Additional noninterest expense | $144,000 | 10,616 |
| Pre-tax net operating income | $133,000 | 10,193 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $27,000 | 10,082 |
| Income before extraordinary items | $106,000 | 10,170 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $106,000 | 10,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $7,000 | 8,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $106,000 | 10,118 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 10,964 |
| Total interest expense | $658,000 | 10,453 |
| Net interest income | $553,000 | 11,260 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $45,000 | 11,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $523,000 | 10,921 |
| Salaries and employee benefits | $323,000 | 10,566 |
| Premises and equipment expense | $22,000 | 11,772 |
| Additional noninterest expense | $178,000 | 10,714 |
| Pre-tax net operating income | $75,000 | 11,205 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $75,000 | 11,140 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $75,000 | 11,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $7,000 | 8,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $75,000 | 11,116 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 11,268 |
| Total interest expense | $563,000 | 10,786 |
| Net interest income | $678,000 | 11,463 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $40,000 | 12,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 10,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $529,000 | 11,457 |
| Salaries and employee benefits | $312,000 | 11,093 |
| Premises and equipment expense | $24,000 | 12,357 |
| Additional noninterest expense | $193,000 | 11,234 |
| Pre-tax net operating income | $189,000 | 10,976 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $29,000 | 10,950 |
| Income before extraordinary items | $160,000 | 10,701 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $160,000 | 10,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $7,000 | 8,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $160,000 | 10,747 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,273,000 | 11,744 |
| Total interest expense | $600,000 | 11,151 |
| Net interest income | $673,000 | 11,970 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $45,000 | 12,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $587,000 | 11,712 |
| Salaries and employee benefits | $368,000 | 10,965 |
| Premises and equipment expense | $22,000 | 13,043 |
| Additional noninterest expense | $197,000 | 11,772 |
| Pre-tax net operating income | $131,000 | 11,623 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $13,000 | 11,760 |
| Income before extraordinary items | $118,000 | 11,596 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $118,000 | 11,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $7,000 | 8,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $118,000 | 11,395 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 12,148 |
| Total interest expense | $714,000 | 11,740 |
| Net interest income | $706,000 | 12,295 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $49,000 | 13,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 11,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $605,000 | 12,034 |
| Salaries and employee benefits | $368,000 | 11,241 |
| Premises and equipment expense | $19,000 | 13,693 |
| Additional noninterest expense | $218,000 | 11,987 |
| Pre-tax net operating income | $150,000 | 11,532 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $19,000 | 12,141 |
| Income before extraordinary items | $131,000 | 11,531 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $131,000 | 11,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $7,000 | 8,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $131,000 | 11,203 |
* 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.