Home > The First National Bank of Keystone > Income and Expense
The First National Bank of Keystone, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $101,894,000 | 393 |
| Total interest expense | $39,995,000 | 463 |
| Net interest income | $61,899,000 | 343 |
| Provision for loan and lease losses | $5,000,000 | 317 |
| Total noninterest income | $73,547,000 | 186 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $225,000 | 4,809 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $73,322,000 | 153 |
| Total noninterest expense | $19,483,000 | 759 |
| Salaries and employee benefits | $4,893,000 | 1,341 |
| Premises and equipment expense | $1,607,000 | 1,194 |
| Additional noninterest expense | $12,983,000 | 490 |
| Pre-tax net operating income | $110,963,000 | 140 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $41,615,000 | 136 |
| Income before extraordinary items | $69,348,000 | 156 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $69,348,000 | 157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,296,000 | 433 |
| Cash dividends | $2,640,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $69,348,000 | 142 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $69,099,000 | 539 |
| Total interest expense | $33,720,000 | 532 |
| Net interest income | $35,379,000 | 537 |
| Provision for loan and lease losses | $22,516,000 | 125 |
| Total noninterest income | $44,059,000 | 237 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $527,000 | 2,493 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $43,532,000 | 180 |
| Total noninterest expense | $20,877,000 | 715 |
| Salaries and employee benefits | $5,283,000 | 1,244 |
| Premises and equipment expense | $988,000 | 1,998 |
| Additional noninterest expense | $14,606,000 | 420 |
| Pre-tax net operating income | $36,045,000 | 287 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $19,287,000 | 228 |
| Income before extraordinary items | $16,758,000 | 398 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $16,758,000 | 399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,550,000 | 133 |
| Cash dividends | $2,640,000 | 1,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $16,758,000 | 383 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $76,756,000 | 531 |
| Total interest expense | $30,127,000 | 611 |
| Net interest income | $46,629,000 | 455 |
| Provision for loan and lease losses | $6,845,000 | 276 |
| Total noninterest income | $31,111,000 | 300 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $296,000 | 4,264 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $30,815,000 | 222 |
| Total noninterest expense | $8,144,000 | 1,740 |
| Salaries and employee benefits | $3,414,000 | 1,929 |
| Premises and equipment expense | $622,000 | 3,104 |
| Additional noninterest expense | $4,108,000 | 1,329 |
| Pre-tax net operating income | $62,751,000 | 213 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $22,764,000 | 206 |
| Income before extraordinary items | $39,987,000 | 221 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $39,987,000 | 221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,244 |
| Cash dividends | $2,112,000 | 1,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $39,987,000 | 220 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $30,313,000 | 1,153 |
| Total interest expense | $10,965,000 | 1,487 |
| Net interest income | $19,348,000 | 952 |
| Provision for loan and lease losses | $2,631,000 | 488 |
| Total noninterest income | $18,404,000 | 425 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $179,000 | 6,085 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $18,225,000 | 302 |
| Total noninterest expense | $3,399,000 | 3,850 |
| Salaries and employee benefits | $1,672,000 | 3,878 |
| Premises and equipment expense | $52,000 | 11,019 |
| Additional noninterest expense | $1,675,000 | 2,781 |
| Pre-tax net operating income | $31,722,000 | 344 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $11,368,000 | 345 |
| Income before extraordinary items | $20,354,000 | 350 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $20,354,000 | 349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,241 |
| Cash dividends | $1,584,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $20,354,000 | 345 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,917,000 | 1,937 |
| Total interest expense | $6,393,000 | 1,950 |
| Net interest income | $9,524,000 | 1,895 |
| Provision for loan and lease losses | $1,566,000 | 684 |
| Total noninterest income | $13,243,000 | 491 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $232,000 | 5,324 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $13,011,000 | 367 |
| Total noninterest expense | $4,445,000 | 3,089 |
| Salaries and employee benefits | $956,000 | 6,329 |
| Premises and equipment expense | $274,000 | 6,096 |
| Additional noninterest expense | $3,215,000 | 1,703 |
| Pre-tax net operating income | $16,756,000 | 522 |
| Securities gains (losses) | $-1,647,000 | 12,461 |
| Applicable income taxes | $5,025,000 | 561 |
| Income before extraordinary items | $10,084,000 | 551 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $10,084,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,558 |
| Cash dividends | $1,056,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $11,187,490 | 519 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,078,000 | 3,392 |
| Total interest expense | $4,025,000 | 3,158 |
| Net interest income | $5,053,000 | 3,541 |
| Provision for loan and lease losses | $527,000 | 2,020 |
| Total noninterest income | $6,969,000 | 769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,880,000 | 542 |
| Total noninterest expense | $2,565,000 | 5,161 |
| Salaries and employee benefits | $927,000 | 6,561 |
| Premises and equipment expense | $337,000 | 5,376 |
| Additional noninterest expense | $1,301,000 | 3,932 |
| Pre-tax net operating income | $8,930,000 | 827 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $3,215,000 | 805 |
| Income before extraordinary items | $5,715,000 | 917 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $5,715,000 | 955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $576,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $960,000 | 486 |
| Net operating income | $5,715,000 | 870 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,372,000 | 3,726 |
| Total interest expense | $4,781,000 | 3,442 |
| Net interest income | $4,591,000 | 3,933 |
| Provision for loan and lease losses | $422,000 | 3,335 |
| Total noninterest income | $247,000 | 8,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,990 |
| Total noninterest expense | $1,869,000 | 6,746 |
| Salaries and employee benefits | $868,000 | 6,819 |
| Premises and equipment expense | $342,000 | 5,454 |
| Additional noninterest expense | $659,000 | 7,039 |
| Pre-tax net operating income | $2,547,000 | 2,433 |
| Securities gains (losses) | $87,000 | 3,239 |
| Applicable income taxes | $817,000 | 2,553 |
| Income before extraordinary items | $1,817,000 | 2,525 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,817,000 | 2,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 12,396 |
| Cash dividends | $576,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,756,970 | 2,426 |
* 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.