Home > The First National Bank of Franklin > Income and Expense
The First National Bank of Franklin, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 10,274 |
| Total interest expense | $199,000 | 10,190 |
| Net interest income | $191,000 | 10,303 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $52,000 | 9,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $187,000 | 10,391 |
| Salaries and employee benefits | $49,000 | 10,425 |
| Premises and equipment expense | $62,000 | 9,526 |
| Additional noninterest expense | $76,000 | 10,283 |
| Pre-tax net operating income | $56,000 | 9,596 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-10,000 | 10,019 |
| Income before extraordinary items | $66,000 | 9,534 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $66,000 | 9,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $66,000 | 9,468 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,575,000 | 6,156 |
| Total interest expense | $1,909,000 | 6,453 |
| Net interest income | $2,666,000 | 5,802 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $471,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,302 |
| Total noninterest expense | $1,774,000 | 6,127 |
| Salaries and employee benefits | $948,000 | 6,065 |
| Premises and equipment expense | $314,000 | 5,292 |
| Additional noninterest expense | $512,000 | 6,406 |
| Pre-tax net operating income | $1,288,000 | 4,999 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $97,000 | 8,449 |
| Income before extraordinary items | $1,191,000 | 4,084 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,191,000 | 4,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,267 |
| Cash dividends | $539,000 | 3,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,191,000 | 4,017 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,111,000 | 6,755 |
| Total interest expense | $1,723,000 | 7,024 |
| Net interest income | $2,388,000 | 6,401 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $432,000 | 5,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $1,623,000 | 6,784 |
| Salaries and employee benefits | $854,000 | 6,684 |
| Premises and equipment expense | $302,000 | 5,569 |
| Additional noninterest expense | $467,000 | 7,329 |
| Pre-tax net operating income | $1,127,000 | 5,325 |
| Securities gains (losses) | $-14,000 | 10,446 |
| Applicable income taxes | $297,000 | 5,863 |
| Income before extraordinary items | $816,000 | 5,232 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $816,000 | 5,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,960 |
| Cash dividends | $412,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $826,220 | 5,123 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,765,000 | 7,243 |
| Total interest expense | $1,528,000 | 7,619 |
| Net interest income | $2,237,000 | 6,802 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $304,000 | 7,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $1,429,000 | 7,495 |
| Salaries and employee benefits | $769,000 | 7,275 |
| Premises and equipment expense | $244,000 | 6,448 |
| Additional noninterest expense | $416,000 | 8,038 |
| Pre-tax net operating income | $1,067,000 | 5,722 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $288,000 | 6,164 |
| Income before extraordinary items | $792,000 | 5,488 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $792,000 | 5,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $480,000 | 3,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $782,510 | 5,515 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,301,000 | 7,616 |
| Total interest expense | $1,123,000 | 8,202 |
| Net interest income | $2,178,000 | 7,133 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $306,000 | 7,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $1,434,000 | 7,813 |
| Salaries and employee benefits | $735,000 | 7,631 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $529,000 | 7,605 |
| Pre-tax net operating income | $1,050,000 | 5,751 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $279,000 | 6,136 |
| Income before extraordinary items | $759,000 | 5,564 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $759,000 | 5,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $467,000 | 3,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $767,760 | 5,584 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,103,000 | 8,166 |
| Total interest expense | $1,101,000 | 8,680 |
| Net interest income | $2,002,000 | 7,663 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $312,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 5,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $1,364,000 | 8,286 |
| Salaries and employee benefits | $657,000 | 8,325 |
| Premises and equipment expense | $136,000 | 9,286 |
| Additional noninterest expense | $571,000 | 7,592 |
| Pre-tax net operating income | $945,000 | 6,137 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $195,000 | 7,710 |
| Income before extraordinary items | $757,000 | 5,792 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $782,000 | 5,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $429,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $751,400 | 5,573 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,344,000 | 8,408 |
| Total interest expense | $1,396,000 | 8,870 |
| Net interest income | $1,948,000 | 7,899 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $233,000 | 8,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $1,288,000 | 8,704 |
| Salaries and employee benefits | $618,000 | 8,664 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $561,000 | 7,866 |
| Pre-tax net operating income | $848,000 | 6,348 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $217,000 | 7,239 |
| Income before extraordinary items | $650,000 | 6,229 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $650,000 | 6,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $184,000 | 5,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $635,750 | 5,983 |
* 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.