Home > The First National Bank of Ottawa > Income and Expense
The First National Bank of Ottawa, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 5,259 |
| Total interest expense | $2,900,000 | 5,052 |
| Net interest income | $2,816,000 | 5,380 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $186,000 | 7,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 6,874 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $1,452,000 | 6,871 |
| Salaries and employee benefits | $745,000 | 6,996 |
| Premises and equipment expense | $116,000 | 8,175 |
| Additional noninterest expense | $591,000 | 5,849 |
| Pre-tax net operating income | $1,430,000 | 4,198 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $486,000 | 3,548 |
| Income before extraordinary items | $933,000 | 4,576 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $933,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $1,600,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $940,260 | 4,557 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,567,000 | 5,878 |
| Total interest expense | $2,035,000 | 5,941 |
| Net interest income | $2,532,000 | 5,754 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $136,000 | 8,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 7,264 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,661 |
| Total noninterest expense | $1,474,000 | 6,838 |
| Salaries and employee benefits | $767,000 | 6,915 |
| Premises and equipment expense | $119,000 | 8,257 |
| Additional noninterest expense | $588,000 | 5,908 |
| Pre-tax net operating income | $1,174,000 | 4,825 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $405,000 | 4,126 |
| Income before extraordinary items | $770,000 | 5,196 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $770,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $769,340 | 5,166 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,209,000 | 6,296 |
| Total interest expense | $1,910,000 | 6,332 |
| Net interest income | $2,299,000 | 6,130 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $153,000 | 8,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 7,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,603 |
| Total noninterest expense | $1,199,000 | 7,556 |
| Salaries and employee benefits | $571,000 | 7,917 |
| Premises and equipment expense | $120,000 | 8,264 |
| Additional noninterest expense | $508,000 | 6,372 |
| Pre-tax net operating income | $1,133,000 | 5,057 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $395,000 | 4,451 |
| Income before extraordinary items | $752,000 | 5,391 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $752,000 | 5,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $742,760 | 5,322 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,011,000 | 6,654 |
| Total interest expense | $1,743,000 | 6,797 |
| Net interest income | $2,268,000 | 6,414 |
| Provision for loan and lease losses | $51,000 | 6,594 |
| Total noninterest income | $116,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,828 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $1,237,000 | 7,547 |
| Salaries and employee benefits | $578,000 | 8,064 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $524,000 | 6,320 |
| Pre-tax net operating income | $1,096,000 | 5,554 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $372,000 | 5,115 |
| Income before extraordinary items | $720,000 | 5,818 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $720,000 | 5,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $1,143,000 | 1,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $722,640 | 5,760 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 7,188 |
| Total interest expense | $1,485,000 | 7,617 |
| Net interest income | $2,196,000 | 6,775 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $124,000 | 9,461 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,849 |
| Total noninterest expense | $1,213,000 | 7,952 |
| Salaries and employee benefits | $603,000 | 8,099 |
| Premises and equipment expense | $157,000 | 7,897 |
| Additional noninterest expense | $453,000 | 7,450 |
| Pre-tax net operating income | $987,000 | 5,785 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $336,000 | 5,456 |
| Income before extraordinary items | $657,000 | 5,960 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $657,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,304 |
| Cash dividends | $262,000 | 4,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $653,040 | 5,919 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,489,000 | 7,569 |
| Total interest expense | $1,427,000 | 7,903 |
| Net interest income | $2,062,000 | 7,163 |
| Provision for loan and lease losses | $179,000 | 3,304 |
| Total noninterest income | $119,000 | 9,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,820 |
| Total noninterest expense | $1,140,000 | 8,427 |
| Salaries and employee benefits | $549,000 | 8,731 |
| Premises and equipment expense | $128,000 | 8,845 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $862,000 | 6,590 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $291,000 | 6,120 |
| Income before extraordinary items | $571,000 | 6,778 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $571,000 | 6,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,420 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $571,000 | 6,757 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,998,000 | 8,048 |
| Total interest expense | $1,115,000 | 8,237 |
| Net interest income | $1,883,000 | 7,848 |
| Provision for loan and lease losses | $166,000 | 3,396 |
| Total noninterest income | $121,000 | 10,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $1,110,000 | 8,947 |
| Salaries and employee benefits | $531,000 | 9,119 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $471,000 | 8,140 |
| Pre-tax net operating income | $728,000 | 7,246 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $248,000 | 6,570 |
| Income before extraordinary items | $480,000 | 7,459 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $480,000 | 7,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,399 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $480,000 | 7,500 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,929,000 | 8,452 |
| Total interest expense | $1,130,000 | 8,557 |
| Net interest income | $1,799,000 | 8,249 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $133,000 | 10,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 10,513 |
| Total noninterest expense | $1,120,000 | 9,249 |
| Salaries and employee benefits | $483,000 | 9,835 |
| Premises and equipment expense | $153,000 | 8,816 |
| Additional noninterest expense | $484,000 | 8,389 |
| Pre-tax net operating income | $652,000 | 7,621 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $218,000 | 7,290 |
| Income before extraordinary items | $434,000 | 8,111 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $434,000 | 8,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,497 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $434,000 | 7,839 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,144,000 | 8,730 |
| Total interest expense | $1,324,000 | 9,147 |
| Net interest income | $1,820,000 | 8,285 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $107,000 | 11,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $1,061,000 | 9,704 |
| Salaries and employee benefits | $476,000 | 10,031 |
| Premises and equipment expense | $125,000 | 9,856 |
| Additional noninterest expense | $460,000 | 8,867 |
| Pre-tax net operating income | $716,000 | 7,014 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $239,000 | 6,848 |
| Income before extraordinary items | $486,000 | 7,453 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $486,000 | 7,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 6,028 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $479,970 | 7,126 |
* 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.