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The First National Bank of Gatlinburg, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$17,065,0001,978
Total interest expense$8,140,0001,922
Net interest income$8,925,0002,008
Provision for loan and lease losses$255,0002,902
Total noninterest income$1,635,0002,150
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,065,0001,252
Trading account gains and fees$-112,0004,680
Additional Noninterest Income$682,0002,348
Total noninterest expense$7,609,0001,861
Salaries and employee benefits$3,507,0001,883
Premises and equipment expense$1,786,0001,175
Additional noninterest expense$2,316,0002,163
Pre-tax net operating income$2,696,0002,593
Securities gains (losses)$108,000923
Applicable income taxes$1,067,0002,211
Income before extraordinary items$1,737,0002,802
Extraordinary gains, net$053
Net income$1,737,0002,804
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,549
Cash dividends$380,0004,013
Sale, conversion, retirement of capital stock, net$500,000463
Net operating income$1,667,8802,858
1995-12-31 (YTD Data)Rank
Total interest income$15,935,0002,106
Total interest expense$7,853,0001,993
Net interest income$8,082,0002,229
Provision for loan and lease losses$150,0003,621
Total noninterest income$1,527,0002,255
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$893,0001,529
Trading account gains and fees$54,000320
Additional Noninterest Income$580,0002,593
Total noninterest expense$6,650,0002,073
Salaries and employee benefits$3,488,0001,898
Premises and equipment expense$1,102,0001,838
Additional noninterest expense$2,060,0002,347
Pre-tax net operating income$2,809,0002,568
Securities gains (losses)$19,0001,949
Applicable income taxes$1,006,0002,368
Income before extraordinary items$1,822,0002,710
Extraordinary gains, net$065
Net income$1,822,0002,711
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$127,0003,278
Cash dividends$700,0002,638
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,809,8402,693
1994-12-31 (YTD Data)Rank
Total interest income$13,070,0002,331
Total interest expense$5,709,0002,183
Net interest income$7,361,0002,456
Provision for loan and lease losses$18,0007,907
Total noninterest income$1,631,0002,146
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$733,0001,831
Trading account gains and fees$0475
Additional Noninterest Income$898,0001,981
Total noninterest expense$6,384,0002,203
Salaries and employee benefits$3,451,0001,939
Premises and equipment expense$960,0002,107
Additional noninterest expense$1,973,0002,612
Pre-tax net operating income$2,590,0002,733
Securities gains (losses)$03,600
Applicable income taxes$909,0002,447
Income before extraordinary items$1,681,0002,876
Extraordinary gains, net$0249
Net income$1,681,0002,882
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,783
Cash dividends$1,150,0001,696
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,681,0002,904
1993-12-31 (YTD Data)Rank
Total interest income$12,607,0002,443
Total interest expense$5,726,0002,268
Net interest income$6,881,0002,621
Provision for loan and lease losses$524,0002,032
Total noninterest income$1,251,0002,810
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$681,0002,006
Trading account gains and fees$59,000314
Additional Noninterest Income$511,0003,227
Total noninterest expense$5,445,0002,633
Salaries and employee benefits$2,766,0002,408
Premises and equipment expense$833,0002,455
Additional noninterest expense$1,846,0002,921
Pre-tax net operating income$2,163,0003,063
Securities gains (losses)$25,0004,353
Applicable income taxes$797,0002,764
Income before extraordinary items$1,391,0003,477
Extraordinary gains, net$-248,00013,082
Net income$1,143,0004,320
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0005,430
Cash dividends$860,0002,015
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,375,0003,314
1992-12-31 (YTD Data)Rank
Total interest income$12,903,0002,726
Total interest expense$6,792,0002,486
Net interest income$6,111,0002,990
Provision for loan and lease losses$743,0002,274
Total noninterest income$1,319,0002,654
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$598,0002,298
Trading account gains and fees$308,000199
Additional Noninterest Income$413,0003,629
Total noninterest expense$5,154,0002,783
Salaries and employee benefits$2,454,0002,645
Premises and equipment expense$764,0002,713
Additional noninterest expense$1,936,0002,873
Pre-tax net operating income$1,533,0003,970
Securities gains (losses)$744,000805
Applicable income taxes$737,0002,817
Income before extraordinary items$1,540,0003,005
Extraordinary gains, net$01,422
Net income$1,540,0003,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$801,0001,820
Cash dividends$675,0002,200
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,034,0804,049

* 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.