Home > The First National Bank of the Panhandle > Income and Expense
The First National Bank of the Panhandle, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,796,000 | 4,686 |
| Total interest expense | $3,879,000 | 3,771 |
| Net interest income | $2,917,000 | 5,627 |
| Provision for loan and lease losses | $8,416,000 | 210 |
| Total noninterest income | $400,000 | 5,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $350,000 | 3,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,224 |
| Total noninterest expense | $2,913,000 | 4,401 |
| Salaries and employee benefits | $1,371,000 | 4,649 |
| Premises and equipment expense | $426,000 | 4,291 |
| Additional noninterest expense | $1,116,000 | 3,985 |
| Pre-tax net operating income | $-8,012,000 | 11,980 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $-1,242,000 | 11,920 |
| Income before extraordinary items | $-6,741,000 | 11,950 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-6,741,000 | 11,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,003,000 | 243 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $970,000 | 303 |
| Net operating income | $-6,765,360 | 11,951 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,014,000 | 4,214 |
| Total interest expense | $2,647,000 | 4,411 |
| Net interest income | $4,367,000 | 4,032 |
| Provision for loan and lease losses | $515,000 | 1,504 |
| Total noninterest income | $369,000 | 6,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,309 |
| Total noninterest expense | $2,771,000 | 4,731 |
| Salaries and employee benefits | $1,282,000 | 4,945 |
| Premises and equipment expense | $414,000 | 4,450 |
| Additional noninterest expense | $1,075,000 | 4,430 |
| Pre-tax net operating income | $1,450,000 | 4,534 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $467,000 | 4,267 |
| Income before extraordinary items | $983,000 | 4,599 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $983,000 | 4,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,847 |
| Cash dividends | $113,000 | 6,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $983,000 | 4,637 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,397,000 | 5,419 |
| Total interest expense | $1,957,000 | 5,938 |
| Net interest income | $3,440,000 | 5,032 |
| Provision for loan and lease losses | $307,000 | 2,932 |
| Total noninterest income | $312,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,209 |
| Total noninterest expense | $2,251,000 | 5,758 |
| Salaries and employee benefits | $1,069,000 | 5,797 |
| Premises and equipment expense | $289,000 | 6,037 |
| Additional noninterest expense | $893,000 | 5,399 |
| Pre-tax net operating income | $1,194,000 | 5,200 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $388,000 | 5,118 |
| Income before extraordinary items | $814,000 | 5,494 |
| Extraordinary gains, net | $-27,000 | 12,528 |
| Net income | $787,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 2,198 |
| Cash dividends | $315,000 | 4,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $808,560 | 5,284 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,119,000 | 6,278 |
| Total interest expense | $2,333,000 | 6,325 |
| Net interest income | $2,786,000 | 6,069 |
| Provision for loan and lease losses | $186,000 | 5,418 |
| Total noninterest income | $818,000 | 3,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,957 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $556,000 | 2,979 |
| Total noninterest expense | $2,197,000 | 5,926 |
| Salaries and employee benefits | $1,262,000 | 4,941 |
| Premises and equipment expense | $225,000 | 7,284 |
| Additional noninterest expense | $710,000 | 6,690 |
| Pre-tax net operating income | $1,221,000 | 4,850 |
| Securities gains (losses) | $207,000 | 1,971 |
| Applicable income taxes | $311,000 | 5,785 |
| Income before extraordinary items | $1,117,000 | 4,065 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,117,000 | 4,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $446,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $955,540 | 4,370 |
* 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.