Home > The First National Bank of Freeman > Income and Expense
The First National Bank of Freeman, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 6,730 |
| Total interest expense | $2,359,000 | 5,407 |
| Net interest income | $1,235,000 | 8,122 |
| Provision for loan and lease losses | $980,000 | 1,000 |
| Total noninterest income | $85,000 | 9,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $951,000 | 8,266 |
| Salaries and employee benefits | $571,000 | 7,904 |
| Premises and equipment expense | $62,000 | 9,387 |
| Additional noninterest expense | $318,000 | 7,979 |
| Pre-tax net operating income | $-612,000 | 9,923 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-283,000 | 10,081 |
| Income before extraordinary items | $-328,000 | 9,789 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-328,000 | 9,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,369 |
| Cash dividends | $78,000 | 6,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-328,000 | 9,770 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 6,985 |
| Total interest expense | $2,160,000 | 5,905 |
| Net interest income | $1,317,000 | 8,078 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $70,000 | 9,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,010 |
| Total noninterest expense | $994,000 | 8,130 |
| Salaries and employee benefits | $564,000 | 7,961 |
| Premises and equipment expense | $81,000 | 9,122 |
| Additional noninterest expense | $349,000 | 7,673 |
| Pre-tax net operating income | $333,000 | 8,211 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $80,000 | 7,823 |
| Income before extraordinary items | $253,000 | 8,233 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $253,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $73,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $253,000 | 8,158 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,148,000 | 7,577 |
| Total interest expense | $1,875,000 | 6,517 |
| Net interest income | $1,273,000 | 8,528 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $71,000 | 9,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,473 |
| Total noninterest expense | $989,000 | 8,387 |
| Salaries and employee benefits | $583,000 | 8,038 |
| Premises and equipment expense | $93,000 | 9,130 |
| Additional noninterest expense | $313,000 | 8,195 |
| Pre-tax net operating income | $295,000 | 9,025 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $6,000 | 9,950 |
| Income before extraordinary items | $286,000 | 8,482 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $286,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $72,000 | 6,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $288,940 | 8,422 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,903,000 | 8,126 |
| Total interest expense | $1,802,000 | 6,839 |
| Net interest income | $1,101,000 | 9,280 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $81,000 | 10,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 8,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,411 |
| Total noninterest expense | $848,000 | 9,252 |
| Salaries and employee benefits | $493,000 | 8,944 |
| Premises and equipment expense | $72,000 | 10,016 |
| Additional noninterest expense | $283,000 | 9,059 |
| Pre-tax net operating income | $335,000 | 8,893 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $153,000 | 7,833 |
| Income before extraordinary items | $182,000 | 9,473 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $182,000 | 9,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $67,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $182,000 | 9,414 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 8,548 |
| Total interest expense | $1,676,000 | 7,202 |
| Net interest income | $1,083,000 | 9,674 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $72,000 | 10,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,268 |
| Total noninterest expense | $908,000 | 9,330 |
| Salaries and employee benefits | $479,000 | 9,289 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $312,000 | 9,124 |
| Pre-tax net operating income | $247,000 | 10,136 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $53,000 | 10,132 |
| Income before extraordinary items | $195,000 | 9,988 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $195,000 | 9,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $67,000 | 7,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $195,000 | 9,957 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,463,000 | 8,968 |
| Total interest expense | $1,362,000 | 7,339 |
| Net interest income | $1,101,000 | 10,064 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $67,000 | 11,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,207 |
| Total noninterest expense | $814,000 | 10,182 |
| Salaries and employee benefits | $436,000 | 9,952 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $318,000 | 9,739 |
| Pre-tax net operating income | $339,000 | 9,833 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $64,000 | 10,134 |
| Income before extraordinary items | $270,000 | 9,489 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $270,000 | 9,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $61,000 | 7,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $274,050 | 9,493 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 9,066 |
| Total interest expense | $1,491,000 | 7,230 |
| Net interest income | $1,075,000 | 10,506 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 12,543 |
| Total noninterest expense | $820,000 | 10,565 |
| Salaries and employee benefits | $427,000 | 10,359 |
| Premises and equipment expense | $70,000 | 11,498 |
| Additional noninterest expense | $323,000 | 10,151 |
| Pre-tax net operating income | $302,000 | 10,224 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $62,000 | 10,653 |
| Income before extraordinary items | $237,000 | 10,185 |
| Extraordinary gains, net | $-19,000 | 12,447 |
| Net income | $218,000 | 10,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $47,000 | 8,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $239,370 | 9,917 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,819,000 | 9,287 |
| Total interest expense | $1,938,000 | 7,249 |
| Net interest income | $881,000 | 11,588 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $70,000 | 12,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $768,000 | 11,162 |
| Salaries and employee benefits | $383,000 | 11,059 |
| Premises and equipment expense | $76,000 | 11,645 |
| Additional noninterest expense | $309,000 | 10,704 |
| Pre-tax net operating income | $183,000 | 11,235 |
| Securities gains (losses) | $-8,000 | 13,215 |
| Applicable income taxes | $26,000 | 11,922 |
| Income before extraordinary items | $149,000 | 11,288 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $149,000 | 11,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 12,698 |
| Cash dividends | $53,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $155,800 | 10,853 |
* 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.