Home > The First National Bank of Rowena > Income and Expense

The First National Bank of Rowena, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$835,000	10,993
Total interest expense	$402,000	10,869
Net interest income	$433,000	11,032
Provision for loan and lease losses	$207,000	3,335
Total noninterest income	$124,000	9,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	7,492
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$582,000	10,241
Salaries and employee benefits	$319,000	10,193
Premises and equipment expense	$82,000	9,755
Additional noninterest expense	$181,000	10,160
Pre-tax net operating income	$-232,000	11,097
Securities gains (losses)	$-28,000	10,807
Applicable income taxes	$0	10,572
Income before extraordinary items	$-260,000	11,151
Extraordinary gains, net	$0	53
Net income	$-260,000	11,149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$245,000	2,372
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-232,000	11,092
1995-12-31 (YTD Data)		Rank
Total interest income	$971,000	11,328
Total interest expense	$417,000	11,275
Net interest income	$554,000	11,253
Provision for loan and lease losses	$265,000	2,457
Total noninterest income	$137,000	9,537
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	7,593
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,336
Total noninterest expense	$576,000	10,677
Salaries and employee benefits	$305,000	10,704
Premises and equipment expense	$81,000	10,165
Additional noninterest expense	$190,000	10,543
Pre-tax net operating income	$-150,000	11,637
Securities gains (losses)	$-53,000	11,206
Applicable income taxes	$-28,000	11,582
Income before extraordinary items	$-175,000	11,665
Extraordinary gains, net	$-4,000	11,914
Net income	$-179,000	11,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,420
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-129,420	11,610
1994-12-31 (YTD Data)		Rank
Total interest income	$983,000	11,739
Total interest expense	$373,000	11,724
Net interest income	$610,000	11,674
Provision for loan and lease losses	$50,000	6,087
Total noninterest income	$111,000	10,498
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,062
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,083
Total noninterest expense	$603,000	11,108
Salaries and employee benefits	$255,000	11,625
Premises and equipment expense	$87,000	10,436
Additional noninterest expense	$261,000	10,391
Pre-tax net operating income	$68,000	11,814
Securities gains (losses)	$-74,000	11,337
Applicable income taxes	$-15,000	12,103
Income before extraordinary items	$9,000	12,005
Extraordinary gains, net	$0	249
Net income	$9,000	12,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,686
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$56,360	11,806
1993-12-31 (YTD Data)		Rank
Total interest income	$994,000	12,306
Total interest expense	$429,000	12,076
Net interest income	$565,000	12,348
Provision for loan and lease losses	$146,000	4,734
Total noninterest income	$201,000	9,206
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	8,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	8,002
Total noninterest expense	$606,000	11,623
Salaries and employee benefits	$271,000	11,966
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$249,000	11,098
Pre-tax net operating income	$14,000	12,330
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$13,000	12,456
Extraordinary gains, net	$37,000	2,352
Net income	$50,000	12,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	2,851
Cash dividends	$8,000	8,948
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$13,000	12,324
1992-12-31 (YTD Data)		Rank
Total interest income	$1,195,000	12,614
Total interest expense	$551,000	12,525
Net interest income	$644,000	12,550
Provision for loan and lease losses	$190,000	5,357
Total noninterest income	$96,000	11,835
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	13,545
Total noninterest expense	$584,000	12,159
Salaries and employee benefits	$240,000	12,715
Premises and equipment expense	$88,000	11,176
Additional noninterest expense	$256,000	11,456
Pre-tax net operating income	$-34,000	12,831
Securities gains (losses)	$14,000	6,053
Applicable income taxes	$0	12,680
Income before extraordinary items	$-20,000	12,944
Extraordinary gains, net	$0	1,422
Net income	$-20,000	12,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,000	4,417
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-34,000	12,784

* 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.