Home > The First National Bank of Hermon > Income and Expense
The First National Bank of Hermon, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $518,000 | 12,404 |
| Total interest expense | $127,000 | 12,478 |
| Net interest income | $391,000 | 12,239 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $89,000 | 11,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 8,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $433,000 | 11,893 |
| Salaries and employee benefits | $217,000 | 11,938 |
| Premises and equipment expense | $43,000 | 11,893 |
| Additional noninterest expense | $173,000 | 11,492 |
| Pre-tax net operating income | $47,000 | 11,922 |
| Securities gains (losses) | $27,000 | 1,545 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $72,000 | 11,639 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $72,000 | 11,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $10,000 | 8,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $45,810 | 11,874 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $511,000 | 13,050 |
| Total interest expense | $144,000 | 13,116 |
| Net interest income | $367,000 | 12,877 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $464,000 | 12,339 |
| Salaries and employee benefits | $221,000 | 12,448 |
| Premises and equipment expense | $60,000 | 11,855 |
| Additional noninterest expense | $183,000 | 11,973 |
| Pre-tax net operating income | $-16,000 | 12,483 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-17,000 | 12,566 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-17,000 | 12,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-17,000 | 12,446 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 13,709 |
| Total interest expense | $173,000 | 13,748 |
| Net interest income | $317,000 | 13,590 |
| Provision for loan and lease losses | $26,000 | 10,195 |
| Total noninterest income | $77,000 | 12,360 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $468,000 | 12,815 |
| Salaries and employee benefits | $245,000 | 12,656 |
| Premises and equipment expense | $58,000 | 12,372 |
| Additional noninterest expense | $165,000 | 12,720 |
| Pre-tax net operating income | $-100,000 | 12,944 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-34,000 | 13,465 |
| Income before extraordinary items | $-66,000 | 13,017 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-66,000 | 13,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-66,000 | 12,845 |
* 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.