Home > The First National Bank of Spring Mills > Income and Expense
The First National Bank of Spring Mills, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 8,093 |
| Total interest expense | $1,082,000 | 8,199 |
| Net interest income | $1,423,000 | 7,858 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $101,000 | 9,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,260 |
| Total noninterest expense | $1,348,000 | 7,107 |
| Salaries and employee benefits | $563,000 | 7,970 |
| Premises and equipment expense | $228,000 | 6,289 |
| Additional noninterest expense | $557,000 | 6,043 |
| Pre-tax net operating income | $171,000 | 9,059 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $114,000 | 7,332 |
| Income before extraordinary items | $57,000 | 9,588 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $57,000 | 9,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,619 |
| Cash dividends | $185,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $57,000 | 9,526 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,323,000 | 8,612 |
| Total interest expense | $1,007,000 | 8,677 |
| Net interest income | $1,316,000 | 8,435 |
| Provision for loan and lease losses | $54,000 | 6,513 |
| Total noninterest income | $79,000 | 9,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $835,000 | 8,909 |
| Salaries and employee benefits | $441,000 | 9,004 |
| Premises and equipment expense | $172,000 | 7,344 |
| Additional noninterest expense | $222,000 | 9,151 |
| Pre-tax net operating income | $506,000 | 7,886 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $122,000 | 8,050 |
| Income before extraordinary items | $386,000 | 7,735 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $386,000 | 7,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $169,000 | 5,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $384,480 | 7,694 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 9,281 |
| Total interest expense | $906,000 | 9,313 |
| Net interest income | $1,171,000 | 9,094 |
| Provision for loan and lease losses | $32,000 | 7,338 |
| Total noninterest income | $154,000 | 8,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 9,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,646 |
| Total noninterest expense | $759,000 | 9,593 |
| Salaries and employee benefits | $394,000 | 9,643 |
| Premises and equipment expense | $169,000 | 7,642 |
| Additional noninterest expense | $196,000 | 9,981 |
| Pre-tax net operating income | $534,000 | 7,757 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $117,000 | 8,439 |
| Income before extraordinary items | $413,000 | 7,516 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $413,000 | 7,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $154,000 | 5,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $416,120 | 7,432 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 9,961 |
| Total interest expense | $755,000 | 10,107 |
| Net interest income | $1,098,000 | 9,632 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $49,000 | 11,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $685,000 | 10,248 |
| Salaries and employee benefits | $368,000 | 10,188 |
| Premises and equipment expense | $110,000 | 9,315 |
| Additional noninterest expense | $207,000 | 10,333 |
| Pre-tax net operating income | $462,000 | 8,676 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $370,000 | 8,317 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $370,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $139,000 | 6,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $370,000 | 8,300 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 10,341 |
| Total interest expense | $594,000 | 10,631 |
| Net interest income | $1,113,000 | 10,022 |
| Provision for loan and lease losses | $1,000 | 9,105 |
| Total noninterest income | $52,000 | 11,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 10,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $655,000 | 10,892 |
| Salaries and employee benefits | $341,000 | 10,839 |
| Premises and equipment expense | $98,000 | 10,100 |
| Additional noninterest expense | $216,000 | 10,940 |
| Pre-tax net operating income | $509,000 | 8,596 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $96,000 | 9,458 |
| Income before extraordinary items | $392,000 | 8,262 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $392,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $131,000 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $408,800 | 8,169 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,705,000 | 10,800 |
| Total interest expense | $615,000 | 11,050 |
| Net interest income | $1,090,000 | 10,443 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $53,000 | 12,462 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $611,000 | 11,591 |
| Salaries and employee benefits | $319,000 | 11,461 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $199,000 | 11,739 |
| Pre-tax net operating income | $526,000 | 8,479 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $120,000 | 9,304 |
| Income before extraordinary items | $408,000 | 8,352 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $433,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $124,000 | 6,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $406,460 | 8,086 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,747,000 | 11,428 |
| Total interest expense | $711,000 | 11,752 |
| Net interest income | $1,036,000 | 10,955 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $55,000 | 12,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 11,220 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $533,000 | 12,435 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $85,000 | 11,297 |
| Additional noninterest expense | $179,000 | 12,533 |
| Pre-tax net operating income | $546,000 | 8,092 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $130,000 | 9,108 |
| Income before extraordinary items | $421,000 | 8,007 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $421,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $116,000 | 6,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $417,200 | 7,694 |
* 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.