Home > The First National Bank of O'Donnell > Income and Expense
The First National Bank of O'Donnell, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 7,105 |
| Total interest expense | $519,000 | 7,219 |
| Net interest income | $1,372,000 | 6,892 |
| Provision for loan and lease losses | $313,000 | 2,446 |
| Total noninterest income | $350,000 | 5,659 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $186,000 | 4,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $164,000 | 5,166 |
| Total noninterest expense | $1,262,000 | 6,541 |
| Salaries and employee benefits | $725,000 | 6,363 |
| Premises and equipment expense | $138,000 | 6,995 |
| Additional noninterest expense | $399,000 | 6,348 |
| Pre-tax net operating income | $147,000 | 7,988 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $62,000 | 6,040 |
| Income before extraordinary items | $85,000 | 8,321 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $85,000 | 8,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 1,907 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $85,000 | 8,200 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,247,000 | 7,183 |
| Total interest expense | $363,000 | 7,231 |
| Net interest income | $884,000 | 7,014 |
| Provision for loan and lease losses | $294,000 | 1,899 |
| Total noninterest income | $252,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $121,000 | 4,843 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $131,000 | 4,832 |
| Total noninterest expense | $853,000 | 6,514 |
| Salaries and employee benefits | $501,000 | 6,256 |
| Premises and equipment expense | $92,000 | 6,967 |
| Additional noninterest expense | $260,000 | 6,414 |
| Pre-tax net operating income | $-11,000 | 8,710 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $6,000 | 7,135 |
| Income before extraordinary items | $-17,000 | 8,809 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-17,000 | 8,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,664 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-17,000 | 8,707 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 7,278 |
| Total interest expense | $189,000 | 7,238 |
| Net interest income | $419,000 | 7,165 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $59,000 | 7,051 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $444,000 | 6,381 |
| Salaries and employee benefits | $262,000 | 6,093 |
| Premises and equipment expense | $42,000 | 7,220 |
| Additional noninterest expense | $140,000 | 6,173 |
| Pre-tax net operating income | $-76,000 | 8,938 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-20,000 | 9,115 |
| Income before extraordinary items | $-56,000 | 8,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-56,000 | 8,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 1,205 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-56,000 | 8,879 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 6,959 |
| Total interest expense | $851,000 | 7,351 |
| Net interest income | $2,049,000 | 6,547 |
| Provision for loan and lease losses | $439,000 | 2,638 |
| Total noninterest income | $343,000 | 6,146 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $261,000 | 4,586 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $82,000 | 6,829 |
| Total noninterest expense | $1,630,000 | 6,604 |
| Salaries and employee benefits | $911,000 | 6,477 |
| Premises and equipment expense | $188,000 | 6,919 |
| Additional noninterest expense | $531,000 | 6,335 |
| Pre-tax net operating income | $323,000 | 7,460 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $116,000 | 5,820 |
| Income before extraordinary items | $207,000 | 7,802 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $207,000 | 7,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,999 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $207,000 | 7,701 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,007,000 | 7,256 |
| Total interest expense | $1,212,000 | 7,592 |
| Net interest income | $1,795,000 | 6,791 |
| Provision for loan and lease losses | $780,000 | 1,533 |
| Total noninterest income | $402,000 | 5,665 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $257,000 | 4,574 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $145,000 | 5,608 |
| Total noninterest expense | $1,396,000 | 7,025 |
| Salaries and employee benefits | $787,000 | 6,842 |
| Premises and equipment expense | $181,000 | 7,052 |
| Additional noninterest expense | $428,000 | 6,940 |
| Pre-tax net operating income | $21,000 | 8,645 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-28,000 | 9,084 |
| Income before extraordinary items | $49,000 | 8,614 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $49,000 | 8,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 1,332 |
| Cash dividends | $60,000 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $49,000 | 8,518 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,078,000 | 7,339 |
| Total interest expense | $1,221,000 | 7,759 |
| Net interest income | $1,857,000 | 6,808 |
| Provision for loan and lease losses | $304,000 | 2,798 |
| Total noninterest income | $434,000 | 5,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,051 |
| Total noninterest expense | $1,394,000 | 7,014 |
| Salaries and employee benefits | $876,000 | 6,401 |
| Premises and equipment expense | $141,000 | 7,736 |
| Additional noninterest expense | $377,000 | 7,342 |
| Pre-tax net operating income | $593,000 | 6,614 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $233,000 | 5,112 |
| Income before extraordinary items | $360,000 | 7,099 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $360,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,605 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $360,000 | 7,094 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,055,000 | 7,312 |
| Total interest expense | $1,296,000 | 7,414 |
| Net interest income | $1,759,000 | 7,089 |
| Provision for loan and lease losses | $649,000 | 1,407 |
| Total noninterest income | $435,000 | 5,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 4,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,835 |
| Total noninterest expense | $1,249,000 | 7,431 |
| Salaries and employee benefits | $675,000 | 7,368 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $431,000 | 7,042 |
| Pre-tax net operating income | $296,000 | 8,114 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $79,000 | 7,204 |
| Income before extraordinary items | $217,000 | 8,168 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $217,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 1,186 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $217,000 | 8,139 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,772,000 | 7,791 |
| Total interest expense | $1,394,000 | 7,434 |
| Net interest income | $1,378,000 | 7,955 |
| Provision for loan and lease losses | $1,443,000 | 724 |
| Total noninterest income | $346,000 | 6,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,381 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,959 |
| Total noninterest expense | $1,188,000 | 7,580 |
| Salaries and employee benefits | $639,000 | 7,535 |
| Premises and equipment expense | $153,000 | 7,582 |
| Additional noninterest expense | $396,000 | 7,250 |
| Pre-tax net operating income | $-907,000 | 10,323 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-338,000 | 10,363 |
| Income before extraordinary items | $-569,000 | 10,258 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-569,000 | 10,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,325,000 | 612 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-569,000 | 10,233 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 7,794 |
| Total interest expense | $1,362,000 | 7,684 |
| Net interest income | $1,604,000 | 7,767 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $340,000 | 6,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 3,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $1,210,000 | 7,636 |
| Salaries and employee benefits | $755,000 | 6,995 |
| Premises and equipment expense | $170,000 | 7,382 |
| Additional noninterest expense | $285,000 | 8,477 |
| Pre-tax net operating income | $599,000 | 7,428 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $239,000 | 6,377 |
| Income before extraordinary items | $360,000 | 7,913 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $360,000 | 7,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,545 |
| Cash dividends | $101,000 | 6,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $360,000 | 7,857 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 8,505 |
| Total interest expense | $1,250,000 | 8,239 |
| Net interest income | $1,392,000 | 8,539 |
| Provision for loan and lease losses | $386,000 | 2,157 |
| Total noninterest income | $343,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,333 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,116,000 | 8,274 |
| Salaries and employee benefits | $684,000 | 7,628 |
| Premises and equipment expense | $158,000 | 7,875 |
| Additional noninterest expense | $274,000 | 9,148 |
| Pre-tax net operating income | $233,000 | 9,588 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $80,000 | 9,145 |
| Income before extraordinary items | $153,000 | 9,765 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $153,000 | 9,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,511 |
| Cash dividends | $128,000 | 6,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $153,000 | 9,701 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,014,000 | 8,185 |
| Total interest expense | $1,347,000 | 8,123 |
| Net interest income | $1,667,000 | 8,101 |
| Provision for loan and lease losses | $212,000 | 2,892 |
| Total noninterest income | $305,000 | 7,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,709 |
| Total noninterest expense | $1,153,000 | 8,380 |
| Salaries and employee benefits | $704,000 | 7,692 |
| Premises and equipment expense | $149,000 | 8,299 |
| Additional noninterest expense | $300,000 | 9,239 |
| Pre-tax net operating income | $607,000 | 7,836 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $222,000 | 7,058 |
| Income before extraordinary items | $385,000 | 8,196 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $385,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,598 |
| Cash dividends | $113,000 | 6,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $385,000 | 8,165 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,419,000 | 9,058 |
| Total interest expense | $950,000 | 8,908 |
| Net interest income | $1,469,000 | 8,965 |
| Provision for loan and lease losses | $137,000 | 3,804 |
| Total noninterest income | $325,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,362 |
| Total noninterest expense | $1,062,000 | 9,115 |
| Salaries and employee benefits | $580,000 | 8,759 |
| Premises and equipment expense | $165,000 | 8,185 |
| Additional noninterest expense | $317,000 | 9,750 |
| Pre-tax net operating income | $595,000 | 8,032 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $228,000 | 6,882 |
| Income before extraordinary items | $367,000 | 8,488 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $367,000 | 8,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $37,000 | 8,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $367,000 | 8,525 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 9,980 |
| Total interest expense | $811,000 | 9,995 |
| Net interest income | $1,292,000 | 9,757 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $218,000 | 8,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,255 |
| Total noninterest expense | $1,010,000 | 9,689 |
| Salaries and employee benefits | $552,000 | 9,193 |
| Premises and equipment expense | $167,000 | 8,450 |
| Additional noninterest expense | $291,000 | 10,559 |
| Pre-tax net operating income | $500,000 | 8,657 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $125,000 | 9,194 |
| Income before extraordinary items | $375,000 | 8,683 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $375,000 | 8,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $113,000 | 6,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $375,000 | 8,427 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,905,000 | 11,086 |
| Total interest expense | $865,000 | 11,028 |
| Net interest income | $1,040,000 | 10,937 |
| Provision for loan and lease losses | $49,000 | 9,137 |
| Total noninterest income | $171,000 | 10,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,978 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 12,899 |
| Total noninterest expense | $796,000 | 11,020 |
| Salaries and employee benefits | $410,000 | 10,742 |
| Premises and equipment expense | $133,000 | 9,598 |
| Additional noninterest expense | $253,000 | 11,486 |
| Pre-tax net operating income | $366,000 | 9,529 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $139,000 | 8,913 |
| Income before extraordinary items | $227,000 | 10,217 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $227,000 | 10,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $135,000 | 5,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $227,000 | 9,869 |
* 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.