Home > The First National Bank of Spangler > Income and Expense
The First National Bank of Spangler, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,275,000 | 8,345 |
| Total interest expense | $1,152,000 | 8,022 |
| Net interest income | $1,123,000 | 8,515 |
| Provision for loan and lease losses | $32,000 | 7,261 |
| Total noninterest income | $62,000 | 9,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $704,000 | 9,091 |
| Salaries and employee benefits | $230,000 | 9,970 |
| Premises and equipment expense | $109,000 | 8,510 |
| Additional noninterest expense | $365,000 | 7,521 |
| Pre-tax net operating income | $449,000 | 7,635 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $153,000 | 6,799 |
| Income before extraordinary items | $296,000 | 7,920 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $296,000 | 7,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $108,000 | 6,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $296,000 | 7,840 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 8,718 |
| Total interest expense | $1,067,000 | 8,502 |
| Net interest income | $1,179,000 | 8,737 |
| Provision for loan and lease losses | $31,000 | 7,344 |
| Total noninterest income | $63,000 | 10,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 8,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $615,000 | 9,693 |
| Salaries and employee benefits | $214,000 | 10,473 |
| Premises and equipment expense | $106,000 | 8,826 |
| Additional noninterest expense | $295,000 | 8,371 |
| Pre-tax net operating income | $596,000 | 7,445 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $203,000 | 6,834 |
| Income before extraordinary items | $393,000 | 7,692 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $393,000 | 7,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,076 |
| Cash dividends | $85,000 | 6,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $393,000 | 7,634 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,124,000 | 9,210 |
| Total interest expense | $999,000 | 9,006 |
| Net interest income | $1,125,000 | 9,221 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $41,000 | 10,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 9,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $582,000 | 10,241 |
| Salaries and employee benefits | $181,000 | 11,113 |
| Premises and equipment expense | $104,000 | 9,176 |
| Additional noninterest expense | $297,000 | 8,920 |
| Pre-tax net operating income | $559,000 | 7,632 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $188,000 | 7,318 |
| Income before extraordinary items | $371,000 | 7,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $371,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $80,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $371,000 | 7,791 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,971,000 | 9,760 |
| Total interest expense | $937,000 | 9,478 |
| Net interest income | $1,034,000 | 9,838 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $63,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 9,371 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,076 |
| Total noninterest expense | $544,000 | 10,824 |
| Salaries and employee benefits | $173,000 | 11,641 |
| Premises and equipment expense | $62,000 | 10,713 |
| Additional noninterest expense | $309,000 | 9,158 |
| Pre-tax net operating income | $523,000 | 8,307 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $167,000 | 7,980 |
| Income before extraordinary items | $356,000 | 8,423 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $356,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $356,000 | 8,405 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 10,232 |
| Total interest expense | $744,000 | 9,856 |
| Net interest income | $1,025,000 | 10,314 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $46,000 | 12,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $501,000 | 11,616 |
| Salaries and employee benefits | $141,000 | 12,392 |
| Premises and equipment expense | $59,000 | 11,335 |
| Additional noninterest expense | $301,000 | 9,951 |
| Pre-tax net operating income | $550,000 | 8,308 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $161,000 | 8,089 |
| Income before extraordinary items | $381,000 | 8,346 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $381,000 | 8,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $386,600 | 8,355 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,872,000 | 10,449 |
| Total interest expense | $783,000 | 10,133 |
| Net interest income | $1,089,000 | 10,449 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $37,000 | 12,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $535,000 | 11,987 |
| Salaries and employee benefits | $154,000 | 12,964 |
| Premises and equipment expense | $66,000 | 11,648 |
| Additional noninterest expense | $315,000 | 10,256 |
| Pre-tax net operating income | $528,000 | 8,466 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $166,000 | 8,293 |
| Income before extraordinary items | $362,000 | 8,816 |
| Extraordinary gains, net | $5,000 | 3,059 |
| Net income | $367,000 | 8,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $70,000 | 7,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $362,000 | 8,550 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,930,000 | 11,035 |
| Total interest expense | $969,000 | 10,532 |
| Net interest income | $961,000 | 11,249 |
| Provision for loan and lease losses | $66,000 | 8,365 |
| Total noninterest income | $45,000 | 13,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 11,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $490,000 | 12,695 |
| Salaries and employee benefits | $146,000 | 13,575 |
| Premises and equipment expense | $60,000 | 12,283 |
| Additional noninterest expense | $284,000 | 11,071 |
| Pre-tax net operating income | $450,000 | 8,802 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $140,000 | 8,887 |
| Income before extraordinary items | $310,000 | 9,176 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $310,000 | 9,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $62,000 | 7,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $310,000 | 8,803 |
* 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.