Home > The First National Bank of Pecos > Income and Expense
The First National Bank of Pecos, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,401,000 | 5,305 |
| Total interest expense | $2,543,000 | 5,139 |
| Net interest income | $2,858,000 | 5,350 |
| Provision for loan and lease losses | $590,000 | 1,545 |
| Total noninterest income | $500,000 | 4,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 2,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,376 |
| Total noninterest expense | $2,449,000 | 4,957 |
| Salaries and employee benefits | $1,087,000 | 5,547 |
| Premises and equipment expense | $270,000 | 5,798 |
| Additional noninterest expense | $1,092,000 | 3,730 |
| Pre-tax net operating income | $319,000 | 7,990 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $19,000 | 8,242 |
| Income before extraordinary items | $298,000 | 7,611 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $298,000 | 7,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,244 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $299,880 | 7,578 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 5,731 |
| Total interest expense | $2,194,000 | 5,848 |
| Net interest income | $2,739,000 | 5,496 |
| Provision for loan and lease losses | $1,006,000 | 965 |
| Total noninterest income | $449,000 | 5,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,090 |
| Total noninterest expense | $1,757,000 | 6,105 |
| Salaries and employee benefits | $833,000 | 6,543 |
| Premises and equipment expense | $217,000 | 6,487 |
| Additional noninterest expense | $707,000 | 5,125 |
| Pre-tax net operating income | $425,000 | 7,738 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $406,000 | 7,171 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $406,000 | 7,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 807 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $406,000 | 7,084 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,078,000 | 6,588 |
| Total interest expense | $1,792,000 | 6,705 |
| Net interest income | $2,286,000 | 6,388 |
| Provision for loan and lease losses | $58,000 | 6,402 |
| Total noninterest income | $339,000 | 6,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $328,000 | 3,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $1,249,000 | 7,502 |
| Salaries and employee benefits | $626,000 | 7,749 |
| Premises and equipment expense | $145,000 | 7,919 |
| Additional noninterest expense | $478,000 | 6,694 |
| Pre-tax net operating income | $1,318,000 | 4,915 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $446,000 | 4,561 |
| Income before extraordinary items | $872,000 | 5,163 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $872,000 | 5,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $872,000 | 5,108 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,745,000 | 7,108 |
| Total interest expense | $1,652,000 | 7,211 |
| Net interest income | $2,093,000 | 6,962 |
| Provision for loan and lease losses | $258,000 | 2,889 |
| Total noninterest income | $380,000 | 6,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,716 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $1,098,000 | 8,334 |
| Salaries and employee benefits | $606,000 | 8,083 |
| Premises and equipment expense | $116,000 | 8,889 |
| Additional noninterest expense | $375,000 | 8,108 |
| Pre-tax net operating income | $1,118,000 | 5,353 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $383,000 | 5,029 |
| Income before extraordinary items | $733,000 | 5,608 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $733,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,539 |
| Cash dividends | $650,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $733,660 | 5,560 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,748,000 | 7,258 |
| Total interest expense | $1,614,000 | 7,378 |
| Net interest income | $2,133,000 | 7,015 |
| Provision for loan and lease losses | $103,000 | 4,535 |
| Total noninterest income | $388,000 | 6,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,632 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $1,101,000 | 8,570 |
| Salaries and employee benefits | $582,000 | 8,484 |
| Premises and equipment expense | $114,000 | 9,208 |
| Additional noninterest expense | $405,000 | 8,137 |
| Pre-tax net operating income | $1,317,000 | 4,910 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $463,000 | 4,440 |
| Income before extraordinary items | $855,000 | 5,198 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $855,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $770,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $855,000 | 5,181 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,367,000 | 7,533 |
| Total interest expense | $1,317,000 | 7,494 |
| Net interest income | $2,050,000 | 7,445 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $308,000 | 7,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $1,164,000 | 8,751 |
| Salaries and employee benefits | $565,000 | 8,847 |
| Premises and equipment expense | $128,000 | 9,152 |
| Additional noninterest expense | $471,000 | 8,140 |
| Pre-tax net operating income | $1,170,000 | 5,335 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $384,000 | 4,904 |
| Income before extraordinary items | $786,000 | 5,433 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $786,000 | 5,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,318 |
| Cash dividends | $750,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $786,000 | 5,500 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,436,000 | 7,628 |
| Total interest expense | $1,345,000 | 7,720 |
| Net interest income | $2,091,000 | 7,438 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $327,000 | 7,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $1,185,000 | 8,952 |
| Salaries and employee benefits | $560,000 | 9,126 |
| Premises and equipment expense | $140,000 | 9,169 |
| Additional noninterest expense | $484,000 | 8,389 |
| Pre-tax net operating income | $1,212,000 | 5,142 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $401,000 | 4,994 |
| Income before extraordinary items | $812,000 | 5,509 |
| Extraordinary gains, net | $38,000 | 2,338 |
| Net income | $850,000 | 5,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,917 |
| Cash dividends | $775,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $812,000 | 5,264 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,981,000 | 7,535 |
| Total interest expense | $1,777,000 | 7,685 |
| Net interest income | $2,204,000 | 7,235 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $310,000 | 7,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $1,221,000 | 8,949 |
| Salaries and employee benefits | $623,000 | 8,615 |
| Premises and equipment expense | $116,000 | 10,180 |
| Additional noninterest expense | $482,000 | 8,632 |
| Pre-tax net operating income | $1,188,000 | 4,954 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $399,000 | 4,805 |
| Income before extraordinary items | $804,000 | 5,343 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $804,000 | 5,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $750,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $793,950 | 5,084 |
* 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.