Home > The First National Bank of Johnstown > Income and Expense
The First National Bank of Johnstown, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 8,404 |
| Total interest expense | $916,000 | 8,648 |
| Net interest income | $1,315,000 | 8,083 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $254,000 | 6,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,633 |
| Total noninterest expense | $1,294,000 | 7,262 |
| Salaries and employee benefits | $573,000 | 7,903 |
| Premises and equipment expense | $205,000 | 6,629 |
| Additional noninterest expense | $516,000 | 6,327 |
| Pre-tax net operating income | $218,000 | 8,828 |
| Securities gains (losses) | $105,000 | 1,239 |
| Applicable income taxes | $91,000 | 7,671 |
| Income before extraordinary items | $232,000 | 8,376 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $232,000 | 8,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $47,000 | 6,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $156,400 | 8,866 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,036,000 | 8,968 |
| Total interest expense | $902,000 | 8,962 |
| Net interest income | $1,134,000 | 8,853 |
| Provision for loan and lease losses | $46,000 | 6,840 |
| Total noninterest income | $225,000 | 7,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,596 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,825 |
| Total noninterest expense | $1,106,000 | 7,983 |
| Salaries and employee benefits | $592,000 | 7,970 |
| Premises and equipment expense | $139,000 | 8,048 |
| Additional noninterest expense | $375,000 | 7,577 |
| Pre-tax net operating income | $207,000 | 9,538 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $56,000 | 9,157 |
| Income before extraordinary items | $149,000 | 9,600 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $149,000 | 9,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $65,000 | 6,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $150,460 | 9,542 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 9,327 |
| Total interest expense | $834,000 | 9,535 |
| Net interest income | $1,201,000 | 9,024 |
| Provision for loan and lease losses | $133,000 | 4,377 |
| Total noninterest income | $265,000 | 7,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,167 |
| Total noninterest expense | $1,084,000 | 8,383 |
| Salaries and employee benefits | $565,000 | 8,365 |
| Premises and equipment expense | $146,000 | 8,152 |
| Additional noninterest expense | $373,000 | 8,133 |
| Pre-tax net operating income | $249,000 | 9,493 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $68,000 | 9,357 |
| Income before extraordinary items | $181,000 | 9,482 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $181,000 | 9,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,813 |
| Cash dividends | $29,000 | 7,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $181,000 | 9,424 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,992,000 | 9,730 |
| Total interest expense | $814,000 | 9,895 |
| Net interest income | $1,178,000 | 9,401 |
| Provision for loan and lease losses | $84,000 | 4,983 |
| Total noninterest income | $214,000 | 8,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,076 |
| Total noninterest expense | $1,010,000 | 8,905 |
| Salaries and employee benefits | $559,000 | 8,656 |
| Premises and equipment expense | $139,000 | 8,553 |
| Additional noninterest expense | $312,000 | 9,124 |
| Pre-tax net operating income | $298,000 | 9,749 |
| Securities gains (losses) | $35,000 | 1,530 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $241,000 | 9,495 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $241,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,292 |
| Cash dividends | $29,000 | 8,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $215,800 | 9,739 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 10,348 |
| Total interest expense | $622,000 | 10,502 |
| Net interest income | $1,082,000 | 10,134 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $193,000 | 8,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $990,000 | 9,387 |
| Salaries and employee benefits | $549,000 | 8,966 |
| Premises and equipment expense | $129,000 | 9,118 |
| Additional noninterest expense | $312,000 | 9,822 |
| Pre-tax net operating income | $265,000 | 10,375 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $63,000 | 10,161 |
| Income before extraordinary items | $202,000 | 10,248 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $202,000 | 10,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $28,000 | 8,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $202,000 | 10,305 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 11,115 |
| Total interest expense | $613,000 | 11,061 |
| Net interest income | $938,000 | 11,004 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $204,000 | 9,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $897,000 | 10,205 |
| Salaries and employee benefits | $502,000 | 9,649 |
| Premises and equipment expense | $114,000 | 9,987 |
| Additional noninterest expense | $281,000 | 10,673 |
| Pre-tax net operating income | $235,000 | 10,741 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $53,000 | 10,868 |
| Income before extraordinary items | $182,000 | 10,841 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $182,000 | 10,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $28,000 | 8,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $182,000 | 10,631 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 11,819 |
| Total interest expense | $691,000 | 11,861 |
| Net interest income | $870,000 | 11,634 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $195,000 | 9,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,869 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $853,000 | 10,740 |
| Salaries and employee benefits | $471,000 | 10,073 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $273,000 | 11,229 |
| Pre-tax net operating income | $204,000 | 11,037 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $36,000 | 11,628 |
| Income before extraordinary items | $171,000 | 10,975 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $171,000 | 11,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $29,000 | 8,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $168,510 | 10,689 |
* 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.