Home > The First National Bank of Herminie > Income and Expense

The First National Bank of Herminie, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$19,291,0001,789
Total interest expense$9,495,0001,810
Net interest income$9,796,0001,792
Provision for loan and lease losses$240,0003,322
Total noninterest income$1,722,0002,099
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$704,0001,959
Trading account gains and fees$0180
Additional Noninterest Income$1,018,0001,833
Total noninterest expense$8,594,0001,626
Salaries and employee benefits$4,590,0001,546
Premises and equipment expense$1,493,0001,385
Additional noninterest expense$2,511,0001,762
Pre-tax net operating income$2,684,0002,613
Securities gains (losses)$-7,0008,117
Applicable income taxes$622,0003,025
Income before extraordinary items$2,055,0002,501
Extraordinary gains, net$038
Net income$2,055,0002,500
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0005,361
Cash dividends$733,0002,838
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,060,3902,496
1999-12-31 (YTD Data)Rank
Total interest income$17,536,0001,849
Total interest expense$7,893,0001,908
Net interest income$9,643,0001,810
Provision for loan and lease losses$210,0003,440
Total noninterest income$1,531,0002,265
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$642,0002,069
Trading account gains and fees$0173
Additional Noninterest Income$889,0002,018
Total noninterest expense$7,819,0001,759
Salaries and employee benefits$3,936,0001,755
Premises and equipment expense$1,457,0001,385
Additional noninterest expense$2,426,0001,817
Pre-tax net operating income$3,145,0002,308
Securities gains (losses)$43,0001,044
Applicable income taxes$776,0002,703
Income before extraordinary items$2,412,0002,173
Extraordinary gains, net$035
Net income$2,412,0002,174
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,499
Cash dividends$817,0002,624
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,379,3202,169
1998-12-31 (YTD Data)Rank
Total interest income$16,828,0001,923
Total interest expense$7,557,0002,019
Net interest income$9,271,0001,840
Provision for loan and lease losses$225,0003,261
Total noninterest income$1,143,0002,796
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$565,0002,283
Trading account gains and fees$0224
Additional Noninterest Income$578,0002,706
Total noninterest expense$7,372,0001,770
Salaries and employee benefits$3,773,0001,759
Premises and equipment expense$1,347,0001,459
Additional noninterest expense$2,252,0001,877
Pre-tax net operating income$2,817,0002,513
Securities gains (losses)$152,0001,048
Applicable income taxes$741,0002,904
Income before extraordinary items$2,228,0002,314
Extraordinary gains, net$032
Net income$2,228,0002,313
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0004,626
Cash dividends$572,0003,240
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,114,0002,354
1997-12-31 (YTD Data)Rank
Total interest income$16,383,0001,993
Total interest expense$7,237,0002,096
Net interest income$9,146,0001,908
Provision for loan and lease losses$216,0003,274
Total noninterest income$873,0003,365
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$451,0002,885
Trading account gains and fees$0239
Additional Noninterest Income$422,0003,181
Total noninterest expense$6,516,0001,982
Salaries and employee benefits$3,485,0001,881
Premises and equipment expense$1,180,0001,660
Additional noninterest expense$1,851,0002,253
Pre-tax net operating income$3,287,0002,293
Securities gains (losses)$191,000732
Applicable income taxes$950,0002,541
Income before extraordinary items$2,528,0002,089
Extraordinary gains, net$044
Net income$2,528,0002,088
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$49,0005,177
Cash dividends$489,0003,563
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,388,5702,150
1996-12-31 (YTD Data)Rank
Total interest income$15,591,0002,166
Total interest expense$7,020,0002,211
Net interest income$8,571,0002,095
Provision for loan and lease losses$216,0003,242
Total noninterest income$955,0003,247
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$456,0002,958
Trading account gains and fees$0262
Additional Noninterest Income$499,0002,922
Total noninterest expense$6,064,0002,260
Salaries and employee benefits$3,294,0002,008
Premises and equipment expense$1,114,0001,802
Additional noninterest expense$1,656,0002,875
Pre-tax net operating income$3,246,0002,205
Securities gains (losses)$139,000822
Applicable income taxes$924,0002,515
Income before extraordinary items$2,461,0002,011
Extraordinary gains, net$053
Net income$2,461,0002,012
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$89,0004,157
Cash dividends$413,0003,812
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,359,5302,060
1995-12-31 (YTD Data)Rank
Total interest income$14,916,0002,265
Total interest expense$7,003,0002,228
Net interest income$7,913,0002,275
Provision for loan and lease losses$198,0003,052
Total noninterest income$880,0003,420
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$426,0003,154
Trading account gains and fees$0522
Additional Noninterest Income$454,0003,054
Total noninterest expense$5,862,0002,325
Salaries and employee benefits$2,689,0002,486
Premises and equipment expense$930,0002,161
Additional noninterest expense$2,243,0002,194
Pre-tax net operating income$2,733,0002,637
Securities gains (losses)$149,000783
Applicable income taxes$737,0003,095
Income before extraordinary items$2,145,0002,353
Extraordinary gains, net$065
Net income$2,145,0002,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0007,018
Cash dividends$307,0004,446
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,034,7402,449
1994-12-31 (YTD Data)Rank
Total interest income$12,737,0002,377
Total interest expense$5,236,0002,358
Net interest income$7,501,0002,412
Provision for loan and lease losses$180,0003,202
Total noninterest income$767,0003,849
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$371,0003,642
Trading account gains and fees$0475
Additional Noninterest Income$396,0003,426
Total noninterest expense$5,534,0002,518
Salaries and employee benefits$2,542,0002,620
Premises and equipment expense$808,0002,507
Additional noninterest expense$2,184,0002,402
Pre-tax net operating income$2,554,0002,768
Securities gains (losses)$161,000571
Applicable income taxes$678,0003,166
Income before extraordinary items$2,037,0002,383
Extraordinary gains, net$0249
Net income$2,037,0002,383
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0008,198
Cash dividends$290,0004,601
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,916,2502,550
1993-12-31 (YTD Data)Rank
Total interest income$12,345,0002,497
Total interest expense$5,466,0002,369
Net interest income$6,879,0002,622
Provision for loan and lease losses$216,0003,743
Total noninterest income$763,0004,144
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$363,0003,762
Trading account gains and fees$0532
Additional Noninterest Income$400,0003,753
Total noninterest expense$5,051,0002,838
Salaries and employee benefits$2,296,0002,881
Premises and equipment expense$662,0003,030
Additional noninterest expense$2,093,0002,625
Pre-tax net operating income$2,375,0002,837
Securities gains (losses)$289,0001,336
Applicable income taxes$652,0003,336
Income before extraordinary items$2,012,0002,499
Extraordinary gains, net$21,0002,682
Net income$2,033,0002,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0008,052
Cash dividends$241,0004,968
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,792,3602,621
1992-12-31 (YTD Data)Rank
Total interest income$13,196,0002,672
Total interest expense$6,762,0002,496
Net interest income$6,434,0002,848
Provision for loan and lease losses$189,0005,383
Total noninterest income$717,0004,330
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$360,0003,820
Trading account gains and fees$0504
Additional Noninterest Income$357,0003,985
Total noninterest expense$4,857,0002,948
Salaries and employee benefits$2,204,0002,931
Premises and equipment expense$658,0003,089
Additional noninterest expense$1,995,0002,809
Pre-tax net operating income$2,105,0002,956
Securities gains (losses)$105,0002,939
Applicable income taxes$498,0004,015
Income before extraordinary items$1,712,0002,687
Extraordinary gains, net$01,422
Net income$1,712,0002,726
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0007,883
Cash dividends$198,0005,154
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,631,1502,610

* 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.