Home > The First National Bank of Springdale > Income and Expense
The First National Bank of Springdale, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,991,000 | 2,028 |
| Total interest expense | $3,499,000 | 2,502 |
| Net interest income | $10,492,000 | 1,863 |
| Provision for loan and lease losses | $105,000 | 5,236 |
| Total noninterest income | $16,211,000 | 464 |
| Gross Fiduciary activities income | $431,000 | 616 |
| Service charges on deposit accounts | $2,589,000 | 663 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $13,191,000 | 368 |
| Total noninterest expense | $9,979,000 | 1,612 |
| Salaries and employee benefits | $5,169,000 | 1,669 |
| Premises and equipment expense | $1,053,000 | 2,158 |
| Additional noninterest expense | $3,757,000 | 1,320 |
| Pre-tax net operating income | $16,619,000 | 546 |
| Securities gains (losses) | $274,000 | 1,110 |
| Applicable income taxes | $11,223,000 | 338 |
| Income before extraordinary items | $5,670,000 | 1,131 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,670,000 | 1,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,592 |
| Cash dividends | $2,600,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,494,640 | 1,110 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,826,000 | 1,994 |
| Total interest expense | $2,708,000 | 2,521 |
| Net interest income | $8,118,000 | 1,814 |
| Provision for loan and lease losses | $105,000 | 4,577 |
| Total noninterest income | $2,772,000 | 1,463 |
| Gross Fiduciary activities income | $322,000 | 615 |
| Service charges on deposit accounts | $1,925,000 | 680 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $525,000 | 3,043 |
| Total noninterest expense | $7,216,000 | 1,683 |
| Salaries and employee benefits | $3,816,000 | 1,701 |
| Premises and equipment expense | $744,000 | 2,280 |
| Additional noninterest expense | $2,656,000 | 1,388 |
| Pre-tax net operating income | $3,569,000 | 1,756 |
| Securities gains (losses) | $274,000 | 1,022 |
| Applicable income taxes | $1,311,000 | 1,486 |
| Income before extraordinary items | $2,532,000 | 1,893 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,532,000 | 1,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $448,000 | 1,279 |
| Cash dividends | $2,600,000 | 821 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,351,160 | 1,928 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,710,000 | 1,894 |
| Total interest expense | $1,916,000 | 2,472 |
| Net interest income | $5,794,000 | 1,682 |
| Provision for loan and lease losses | $105,000 | 3,773 |
| Total noninterest income | $1,767,000 | 1,506 |
| Gross Fiduciary activities income | $188,000 | 655 |
| Service charges on deposit accounts | $1,250,000 | 683 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $329,000 | 3,126 |
| Total noninterest expense | $4,783,000 | 1,682 |
| Salaries and employee benefits | $2,474,000 | 1,733 |
| Premises and equipment expense | $517,000 | 2,188 |
| Additional noninterest expense | $1,792,000 | 1,376 |
| Pre-tax net operating income | $2,673,000 | 1,576 |
| Securities gains (losses) | $274,000 | 857 |
| Applicable income taxes | $1,007,000 | 1,367 |
| Income before extraordinary items | $1,940,000 | 1,672 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,940,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,983 |
| Cash dividends | $1,700,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,759,160 | 1,707 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,056,000 | 1,810 |
| Total interest expense | $1,046,000 | 2,329 |
| Net interest income | $3,010,000 | 1,629 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $804,000 | 1,575 |
| Gross Fiduciary activities income | $95,000 | 661 |
| Service charges on deposit accounts | $560,000 | 747 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 3,225 |
| Total noninterest expense | $2,361,000 | 1,683 |
| Salaries and employee benefits | $1,206,000 | 1,769 |
| Premises and equipment expense | $260,000 | 2,175 |
| Additional noninterest expense | $895,000 | 1,349 |
| Pre-tax net operating income | $1,348,000 | 1,561 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $459,000 | 1,474 |
| Income before extraordinary items | $889,000 | 1,784 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $889,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,045 |
| Cash dividends | $950,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $889,000 | 1,668 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,065,000 | 1,705 |
| Total interest expense | $5,045,000 | 2,226 |
| Net interest income | $13,020,000 | 1,492 |
| Provision for loan and lease losses | $420,000 | 2,722 |
| Total noninterest income | $3,277,000 | 1,465 |
| Gross Fiduciary activities income | $371,000 | 660 |
| Service charges on deposit accounts | $2,351,000 | 685 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $555,000 | 3,100 |
| Total noninterest expense | $9,546,000 | 1,610 |
| Salaries and employee benefits | $4,690,000 | 1,708 |
| Premises and equipment expense | $1,061,000 | 2,065 |
| Additional noninterest expense | $3,795,000 | 1,268 |
| Pre-tax net operating income | $6,331,000 | 1,335 |
| Securities gains (losses) | $43,000 | 2,542 |
| Applicable income taxes | $2,079,000 | 1,245 |
| Income before extraordinary items | $4,295,000 | 1,449 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,295,000 | 1,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,467 |
| Cash dividends | $4,100,000 | 728 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,266,190 | 1,412 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $22,190,000 | 1,528 |
| Total interest expense | $9,807,000 | 1,649 |
| Net interest income | $12,383,000 | 1,430 |
| Provision for loan and lease losses | $642,000 | 1,799 |
| Total noninterest income | $3,242,000 | 1,394 |
| Gross Fiduciary activities income | $438,000 | 634 |
| Service charges on deposit accounts | $2,162,000 | 687 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $642,000 | 2,709 |
| Total noninterest expense | $9,696,000 | 1,511 |
| Salaries and employee benefits | $4,427,000 | 1,704 |
| Premises and equipment expense | $982,000 | 2,180 |
| Additional noninterest expense | $4,287,000 | 1,113 |
| Pre-tax net operating income | $5,287,000 | 1,376 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $1,634,000 | 1,388 |
| Income before extraordinary items | $3,656,000 | 1,471 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,656,000 | 1,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,051 |
| Cash dividends | $3,350,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,653,930 | 1,417 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,275,000 | 1,550 |
| Total interest expense | $10,724,000 | 1,593 |
| Net interest income | $11,551,000 | 1,523 |
| Provision for loan and lease losses | $128,000 | 4,722 |
| Total noninterest income | $3,142,000 | 1,300 |
| Gross Fiduciary activities income | $429,000 | 645 |
| Service charges on deposit accounts | $2,006,000 | 671 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $707,000 | 2,348 |
| Total noninterest expense | $9,709,000 | 1,434 |
| Salaries and employee benefits | $4,395,000 | 1,615 |
| Premises and equipment expense | $972,000 | 2,120 |
| Additional noninterest expense | $4,342,000 | 1,082 |
| Pre-tax net operating income | $4,856,000 | 1,519 |
| Securities gains (losses) | $-570,000 | 9,716 |
| Applicable income taxes | $1,768,000 | 1,299 |
| Income before extraordinary items | $2,518,000 | 2,070 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,518,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 9,828 |
| Cash dividends | $2,475,000 | 1,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,882,800 | 1,808 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,303,000 | 1,536 |
| Total interest expense | $9,839,000 | 1,526 |
| Net interest income | $11,464,000 | 1,525 |
| Provision for loan and lease losses | $133,000 | 4,539 |
| Total noninterest income | $3,162,000 | 1,304 |
| Gross Fiduciary activities income | $544,000 | 611 |
| Service charges on deposit accounts | $2,057,000 | 642 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $561,000 | 2,748 |
| Total noninterest expense | $9,726,000 | 1,426 |
| Salaries and employee benefits | $4,389,000 | 1,575 |
| Premises and equipment expense | $967,000 | 2,111 |
| Additional noninterest expense | $4,370,000 | 1,073 |
| Pre-tax net operating income | $4,767,000 | 1,576 |
| Securities gains (losses) | $-41,000 | 9,749 |
| Applicable income taxes | $1,908,000 | 1,281 |
| Income before extraordinary items | $2,818,000 | 1,882 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,818,000 | 1,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,524 |
| Cash dividends | $4,300,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,844,240 | 1,838 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,378,000 | 1,443 |
| Total interest expense | $11,222,000 | 1,376 |
| Net interest income | $11,156,000 | 1,521 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $3,230,000 | 1,272 |
| Gross Fiduciary activities income | $551,000 | 611 |
| Service charges on deposit accounts | $1,959,000 | 627 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $720,000 | 2,339 |
| Total noninterest expense | $9,841,000 | 1,336 |
| Salaries and employee benefits | $4,300,000 | 1,529 |
| Premises and equipment expense | $1,242,000 | 1,574 |
| Additional noninterest expense | $4,299,000 | 1,067 |
| Pre-tax net operating income | $4,345,000 | 1,695 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $919,000 | 2,461 |
| Income before extraordinary items | $3,430,000 | 1,539 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,430,000 | 1,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,227 |
| Cash dividends | $2,800,000 | 1,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,426,840 | 1,482 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,848,000 | 1,438 |
| Total interest expense | $11,490,000 | 1,371 |
| Net interest income | $11,358,000 | 1,515 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $2,698,000 | 1,388 |
| Gross Fiduciary activities income | $434,000 | 703 |
| Service charges on deposit accounts | $1,899,000 | 671 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $365,000 | 3,496 |
| Total noninterest expense | $9,700,000 | 1,355 |
| Salaries and employee benefits | $4,168,000 | 1,561 |
| Premises and equipment expense | $1,192,000 | 1,643 |
| Additional noninterest expense | $4,340,000 | 1,069 |
| Pre-tax net operating income | $4,056,000 | 1,866 |
| Securities gains (losses) | $-123,000 | 10,798 |
| Applicable income taxes | $1,077,000 | 2,289 |
| Income before extraordinary items | $2,856,000 | 1,850 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,856,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,457 |
| Cash dividends | $5,000,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,945,790 | 1,754 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,231,000 | 1,454 |
| Total interest expense | $11,529,000 | 1,407 |
| Net interest income | $11,702,000 | 1,522 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $2,646,000 | 1,485 |
| Gross Fiduciary activities income | $436,000 | 741 |
| Service charges on deposit accounts | $1,791,000 | 740 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $419,000 | 3,307 |
| Total noninterest expense | $10,482,000 | 1,364 |
| Salaries and employee benefits | $4,281,000 | 1,554 |
| Premises and equipment expense | $1,261,000 | 1,616 |
| Additional noninterest expense | $4,940,000 | 1,146 |
| Pre-tax net operating income | $3,566,000 | 2,023 |
| Securities gains (losses) | $-23,000 | 10,703 |
| Applicable income taxes | $1,179,000 | 2,023 |
| Income before extraordinary items | $2,364,000 | 2,101 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,364,000 | 2,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 11,255 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,379,410 | 2,043 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 5,437 |
| Total interest expense | $3,130,000 | 4,568 |
| Net interest income | $2,566,000 | 6,194 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $686,000 | 4,153 |
| Gross Fiduciary activities income | $97,000 | 1,172 |
| Service charges on deposit accounts | $426,000 | 3,154 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $163,000 | 5,743 |
| Total noninterest expense | $2,784,000 | 4,552 |
| Salaries and employee benefits | $1,177,000 | 5,296 |
| Premises and equipment expense | $291,000 | 5,771 |
| Additional noninterest expense | $1,316,000 | 3,460 |
| Pre-tax net operating income | $468,000 | 8,628 |
| Securities gains (losses) | $26,000 | 1,716 |
| Applicable income taxes | $121,000 | 8,778 |
| Income before extraordinary items | $373,000 | 8,293 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $373,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,506 |
| Cash dividends | $21,250,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $353,240 | 8,432 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,611,000 | 1,504 |
| Total interest expense | $9,062,000 | 1,434 |
| Net interest income | $11,549,000 | 1,560 |
| Provision for loan and lease losses | $-500,000 | 12,457 |
| Total noninterest income | $3,376,000 | 1,248 |
| Gross Fiduciary activities income | $531,000 | 719 |
| Service charges on deposit accounts | $1,571,000 | 828 |
| Trading account gains and fees | $34,000 | 302 |
| Additional Noninterest Income | $1,240,000 | 1,592 |
| Total noninterest expense | $9,287,000 | 1,576 |
| Salaries and employee benefits | $4,738,000 | 1,426 |
| Premises and equipment expense | $1,462,000 | 1,432 |
| Additional noninterest expense | $3,087,000 | 1,758 |
| Pre-tax net operating income | $6,138,000 | 1,217 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $1,396,000 | 1,653 |
| Income before extraordinary items | $4,737,000 | 1,068 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,737,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,925 |
| Cash dividends | $266,000 | 4,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,740,850 | 1,083 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,088,000 | 1,643 |
| Total interest expense | $7,232,000 | 1,812 |
| Net interest income | $11,856,000 | 1,516 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $2,978,000 | 1,474 |
| Gross Fiduciary activities income | $554,000 | 723 |
| Service charges on deposit accounts | $1,517,000 | 862 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $907,000 | 2,185 |
| Total noninterest expense | $8,520,000 | 1,765 |
| Salaries and employee benefits | $4,293,000 | 1,571 |
| Premises and equipment expense | $1,437,000 | 1,479 |
| Additional noninterest expense | $2,790,000 | 2,027 |
| Pre-tax net operating income | $6,064,000 | 1,150 |
| Securities gains (losses) | $1,232,000 | 460 |
| Applicable income taxes | $2,009,000 | 1,209 |
| Income before extraordinary items | $5,287,000 | 980 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $5,287,000 | 1,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-158,000 | 13,058 |
| Cash dividends | $324,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,399,960 | 1,090 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,798,000 | 1,710 |
| Total interest expense | $8,880,000 | 1,908 |
| Net interest income | $11,918,000 | 1,545 |
| Provision for loan and lease losses | $700,000 | 2,369 |
| Total noninterest income | $2,702,000 | 1,568 |
| Gross Fiduciary activities income | $547,000 | 730 |
| Service charges on deposit accounts | $1,464,000 | 890 |
| Trading account gains and fees | $9,000 | 417 |
| Additional Noninterest Income | $682,000 | 2,587 |
| Total noninterest expense | $7,925,000 | 1,902 |
| Salaries and employee benefits | $3,863,000 | 1,723 |
| Premises and equipment expense | $1,302,000 | 1,643 |
| Additional noninterest expense | $2,760,000 | 2,137 |
| Pre-tax net operating income | $5,995,000 | 1,086 |
| Securities gains (losses) | $1,074,000 | 613 |
| Applicable income taxes | $2,113,000 | 1,069 |
| Income before extraordinary items | $4,956,000 | 962 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,956,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $755,000 | 1,886 |
| Cash dividends | $175,000 | 5,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,204,200 | 1,035 |
* 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.