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The First National Bank of Otis, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,758,0008,461
Total interest expense$757,0008,525
Net interest income$1,001,0008,280
Provision for loan and lease losses$123,0005,150
Total noninterest income$139,0007,978
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$98,0006,612
Trading account gains and fees$0177
Additional Noninterest Income$41,0007,974
Total noninterest expense$567,0009,013
Salaries and employee benefits$339,0008,904
Premises and equipment expense$41,0009,280
Additional noninterest expense$187,0008,764
Pre-tax net operating income$450,0006,751
Securities gains (losses)$04,612
Applicable income taxes$143,0005,525
Income before extraordinary items$307,0007,085
Extraordinary gains, net$0105
Net income$307,0007,086
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$118,0003,784
Cash dividends$437,0003,702
Sale, conversion, retirement of capital stock, net$0922
Net operating income$307,0006,975
2000-12-31 (YTD Data)Rank
Total interest income$1,903,0008,500
Total interest expense$828,0008,572
Net interest income$1,075,0008,334
Provision for loan and lease losses$42,0006,799
Total noninterest income$127,0008,203
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$85,0006,874
Trading account gains and feesNANA
Additional Noninterest Income$42,0008,092
Total noninterest expense$527,0009,325
Salaries and employee benefits$316,0009,184
Premises and equipment expense$44,0009,476
Additional noninterest expense$167,0009,096
Pre-tax net operating income$633,0006,465
Securities gains (losses)$01,956
Applicable income taxes$246,0005,017
Income before extraordinary items$387,0006,936
Extraordinary gains, net$038
Net income$387,0006,934
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,338
Cash dividends$264,0004,703
Sale, conversion, retirement of capital stock, net$0969
Net operating income$387,0006,937
1999-12-31 (YTD Data)Rank
Total interest income$1,572,0008,971
Total interest expense$678,0008,997
Net interest income$894,0008,857
Provision for loan and lease losses$08,503
Total noninterest income$157,0008,020
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$79,0007,144
Trading account gains and feesNANA
Additional Noninterest Income$78,0007,202
Total noninterest expense$528,0009,539
Salaries and employee benefits$310,0009,412
Premises and equipment expense$52,0009,602
Additional noninterest expense$166,0009,376
Pre-tax net operating income$523,0007,044
Securities gains (losses)$03,155
Applicable income taxes$176,0005,964
Income before extraordinary items$347,0007,306
Extraordinary gains, net$035
Net income$347,0007,308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$148,0005,697
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$347,0007,277
1998-12-31 (YTD Data)Rank
Total interest income$1,522,0009,267
Total interest expense$733,0009,110
Net interest income$789,0009,281
Provision for loan and lease losses$8,0008,341
Total noninterest income$106,0008,918
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$74,0007,438
Trading account gains and feesNANA
Additional Noninterest Income$32,0008,918
Total noninterest expense$498,0009,787
Salaries and employee benefits$283,0009,707
Premises and equipment expense$36,00010,092
Additional noninterest expense$179,0009,353
Pre-tax net operating income$389,0007,938
Securities gains (losses)$04,449
Applicable income taxes$107,0007,422
Income before extraordinary items$282,0008,023
Extraordinary gains, net$032
Net income$282,0008,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-34,00010,009
Cash dividends$465,0003,691
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$282,0007,944
1997-12-31 (YTD Data)Rank
Total interest income$1,534,0009,626
Total interest expense$696,0009,555
Net interest income$838,0009,582
Provision for loan and lease losses$1,0008,801
Total noninterest income$90,0009,593
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$68,0007,935
Trading account gains and feesNANA
Additional Noninterest Income$22,0009,735
Total noninterest expense$496,00010,150
Salaries and employee benefits$289,00010,028
Premises and equipment expense$35,00010,527
Additional noninterest expense$172,0009,757
Pre-tax net operating income$431,0008,280
Securities gains (losses)$03,944
Applicable income taxes$136,0007,823
Income before extraordinary items$295,0008,416
Extraordinary gains, net$044
Net income$295,0008,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,00010,017
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$295,0008,374
1996-12-31 (YTD Data)Rank
Total interest income$1,481,00010,137
Total interest expense$651,00010,113
Net interest income$830,00010,032
Provision for loan and lease losses$09,041
Total noninterest income$93,00010,021
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$75,0008,148
Trading account gains and feesNANA
Additional Noninterest Income$18,00010,521
Total noninterest expense$480,00010,664
Salaries and employee benefits$284,00010,476
Premises and equipment expense$37,00010,993
Additional noninterest expense$159,00010,453
Pre-tax net operating income$443,0008,255
Securities gains (losses)$04,148
Applicable income taxes$151,0007,854
Income before extraordinary items$292,0008,495
Extraordinary gains, net$053
Net income$292,0008,492
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00010,529
Cash dividends$199,0005,521
Sale, conversion, retirement of capital stock, net$0953
Net operating income$292,0008,434
1995-12-31 (YTD Data)Rank
Total interest income$1,423,00010,653
Total interest expense$612,00010,625
Net interest income$811,00010,501
Provision for loan and lease losses$08,958
Total noninterest income$97,00010,347
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$77,0008,390
Trading account gains and feesNANA
Additional Noninterest Income$20,00010,891
Total noninterest expense$482,00011,094
Salaries and employee benefits$277,00010,945
Premises and equipment expense$34,00011,525
Additional noninterest expense$171,00010,802
Pre-tax net operating income$426,0008,893
Securities gains (losses)$-2,0009,253
Applicable income taxes$146,0008,329
Income before extraordinary items$278,0009,158
Extraordinary gains, net$065
Net income$278,0009,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,00010,798
Cash dividends$303,0004,467
Sale, conversion, retirement of capital stock, net$0809
Net operating income$279,3209,118
1994-12-31 (YTD Data)Rank
Total interest income$1,268,00011,208
Total interest expense$464,00011,259
Net interest income$804,00011,048
Provision for loan and lease losses$-20,00011,841
Total noninterest income$134,00010,039
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0007,816
Trading account gains and feesNANA
Additional Noninterest Income$23,00011,244
Total noninterest expense$528,00011,465
Salaries and employee benefits$309,00011,122
Premises and equipment expense$48,00011,699
Additional noninterest expense$171,00011,508
Pre-tax net operating income$430,0009,127
Securities gains (losses)$03,600
Applicable income taxes$142,0008,466
Income before extraordinary items$288,0009,276
Extraordinary gains, net$0249
Net income$288,0009,285
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-30,00011,561
Cash dividends$130,0006,382
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$288,0009,339
1993-12-31 (YTD Data)Rank
Total interest income$1,270,00011,745
Total interest expense$488,00011,737
Net interest income$782,00011,573
Provision for loan and lease losses$010,371
Total noninterest income$121,00010,820
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$93,0008,587
Trading account gains and feesNANA
Additional Noninterest Income$28,00011,437
Total noninterest expense$542,00011,957
Salaries and employee benefits$306,00011,583
Premises and equipment expense$68,00011,579
Additional noninterest expense$168,00012,178
Pre-tax net operating income$361,0009,718
Securities gains (losses)$07,477
Applicable income taxes$116,0009,390
Income before extraordinary items$245,00010,104
Extraordinary gains, net$03,149
Net income$245,00010,247
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00011,928
Cash dividends$150,0006,064
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$245,0009,857
1992-12-31 (YTD Data)Rank
Total interest income$1,334,00012,321
Total interest expense$604,00012,274
Net interest income$730,00012,185
Provision for loan and lease losses$011,756
Total noninterest income$106,00011,552
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$78,0009,234
Trading account gains and feesNANA
Additional Noninterest Income$28,00011,929
Total noninterest expense$529,00012,459
Salaries and employee benefits$307,00011,930
Premises and equipment expense$67,00011,992
Additional noninterest expense$155,00012,864
Pre-tax net operating income$307,00010,072
Securities gains (losses)$08,369
Applicable income taxes$86,00010,284
Income before extraordinary items$221,00010,307
Extraordinary gains, net$01,422
Net income$221,00010,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-33,00013,326
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$221,0009,962

* 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.