Home > The First National Bank of Shamrock > Income and Expense
The First National Bank of Shamrock, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,527,000 | 8,708 |
| Total interest expense | $702,000 | 8,617 |
| Net interest income | $825,000 | 8,618 |
| Provision for loan and lease losses | $151,000 | 4,743 |
| Total noninterest income | $172,000 | 7,610 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $149,000 | 5,812 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $895,000 | 8,224 |
| Salaries and employee benefits | $334,000 | 8,919 |
| Premises and equipment expense | $131,000 | 7,839 |
| Additional noninterest expense | $430,000 | 6,924 |
| Pre-tax net operating income | $-49,000 | 8,807 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $-23,000 | 9,068 |
| Income before extraordinary items | $-9,000 | 8,829 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-9,000 | 8,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-19,880 | 8,776 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,801,000 | 8,624 |
| Total interest expense | $876,000 | 8,478 |
| Net interest income | $925,000 | 8,638 |
| Provision for loan and lease losses | $63,000 | 6,132 |
| Total noninterest income | $163,000 | 7,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $898,000 | 8,305 |
| Salaries and employee benefits | $408,000 | 8,712 |
| Premises and equipment expense | $472,000 | 3,966 |
| Additional noninterest expense | $18,000 | 9,884 |
| Pre-tax net operating income | $127,000 | 8,706 |
| Securities gains (losses) | $-52,000 | 9,214 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $75,000 | 8,858 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $75,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $53,000 | 6,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $127,000 | 8,543 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 8,932 |
| Total interest expense | $748,000 | 8,824 |
| Net interest income | $856,000 | 8,941 |
| Provision for loan and lease losses | $194,000 | 3,629 |
| Total noninterest income | $218,000 | 7,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $862,000 | 8,559 |
| Salaries and employee benefits | $389,000 | 8,946 |
| Premises and equipment expense | $54,000 | 9,557 |
| Additional noninterest expense | $419,000 | 7,116 |
| Pre-tax net operating income | $18,000 | 9,343 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $-51,000 | 9,831 |
| Income before extraordinary items | $76,000 | 9,112 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $76,000 | 9,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,042 |
| Cash dividends | $153,000 | 5,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $69,000 | 9,116 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 9,186 |
| Total interest expense | $782,000 | 8,985 |
| Net interest income | $800,000 | 9,253 |
| Provision for loan and lease losses | $31,000 | 7,285 |
| Total noninterest income | $215,000 | 7,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 6,766 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,403 |
| Total noninterest expense | $736,000 | 8,990 |
| Salaries and employee benefits | $331,000 | 9,415 |
| Premises and equipment expense | $127,000 | 8,131 |
| Additional noninterest expense | $278,000 | 8,319 |
| Pre-tax net operating income | $248,000 | 8,676 |
| Securities gains (losses) | $33,000 | 2,048 |
| Applicable income taxes | $57,000 | 8,208 |
| Income before extraordinary items | $224,000 | 8,441 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $224,000 | 8,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $125,000 | 6,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $197,600 | 8,570 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,419,000 | 9,785 |
| Total interest expense | $648,000 | 9,690 |
| Net interest income | $771,000 | 9,747 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $105,000 | 9,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,050 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,825 |
| Total noninterest expense | $711,000 | 9,365 |
| Salaries and employee benefits | $306,000 | 9,911 |
| Premises and equipment expense | $140,000 | 8,021 |
| Additional noninterest expense | $265,000 | 8,682 |
| Pre-tax net operating income | $165,000 | 9,759 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $102,000 | 8,365 |
| Income before extraordinary items | $76,000 | 10,104 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $76,000 | 10,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,007 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-250,000 | 10,812 |
| Net operating income | $67,680 | 10,114 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 10,281 |
| Total interest expense | $610,000 | 10,244 |
| Net interest income | $767,000 | 10,205 |
| Provision for loan and lease losses | $170,000 | 3,812 |
| Total noninterest income | $108,000 | 9,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,772 |
| Total noninterest expense | $710,000 | 9,777 |
| Salaries and employee benefits | $397,000 | 9,624 |
| Premises and equipment expense | $79,000 | 9,841 |
| Additional noninterest expense | $234,000 | 9,568 |
| Pre-tax net operating income | $-5,000 | 10,811 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-14,000 | 10,964 |
| Income before extraordinary items | $9,000 | 10,777 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,000 | 10,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,326 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $9,000 | 10,726 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,452,000 | 10,609 |
| Total interest expense | $577,000 | 10,758 |
| Net interest income | $875,000 | 10,321 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $106,000 | 10,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 7,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,559 |
| Total noninterest expense | $677,000 | 10,277 |
| Salaries and employee benefits | $382,000 | 10,074 |
| Premises and equipment expense | $59,000 | 10,818 |
| Additional noninterest expense | $236,000 | 9,985 |
| Pre-tax net operating income | $284,000 | 9,868 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $89,000 | 9,408 |
| Income before extraordinary items | $194,000 | 9,997 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $194,000 | 10,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,496 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $194,690 | 9,967 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,359,000 | 11,020 |
| Total interest expense | $549,000 | 10,852 |
| Net interest income | $810,000 | 11,017 |
| Provision for loan and lease losses | $-94,000 | 12,125 |
| Total noninterest income | $116,000 | 10,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 8,715 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,350 |
| Total noninterest expense | $637,000 | 10,953 |
| Salaries and employee benefits | $382,000 | 10,451 |
| Premises and equipment expense | $37,000 | 12,064 |
| Additional noninterest expense | $218,000 | 10,917 |
| Pre-tax net operating income | $383,000 | 9,490 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $148,000 | 8,343 |
| Income before extraordinary items | $235,000 | 9,865 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $235,000 | 9,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $235,000 | 9,929 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 11,859 |
| Total interest expense | $481,000 | 11,773 |
| Net interest income | $733,000 | 11,745 |
| Provision for loan and lease losses | $-113,000 | 12,929 |
| Total noninterest income | $49,000 | 12,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,409 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $606,000 | 11,623 |
| Salaries and employee benefits | $372,000 | 10,914 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $202,000 | 11,701 |
| Pre-tax net operating income | $289,000 | 10,324 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $125,000 | 9,194 |
| Income before extraordinary items | $187,000 | 10,793 |
| Extraordinary gains, net | $95,000 | 1,624 |
| Net income | $282,000 | 9,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 12,910 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $172,280 | 10,752 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 12,200 |
| Total interest expense | $620,000 | 12,203 |
| Net interest income | $772,000 | 12,023 |
| Provision for loan and lease losses | $-303,000 | 13,864 |
| Total noninterest income | $18,000 | 13,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $674,000 | 11,656 |
| Salaries and employee benefits | $307,000 | 11,930 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $336,000 | 10,367 |
| Pre-tax net operating income | $419,000 | 9,066 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $139,000 | 8,913 |
| Income before extraordinary items | $282,000 | 9,517 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $282,000 | 9,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 13,333 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $280,660 | 9,168 |
* 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.