Home > The First National Bank of the Pine Belt > Income and Expense

The First National Bank of the Pine Belt, Income and Expense

2003-12-31 (YTD Data)Rank
Total interest income$2,717,0006,827
Total interest expense$851,0006,556
Net interest income$1,866,0006,789
Provision for loan and lease losses$123,0004,909
Total noninterest income$434,0005,786
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$335,0004,057
Trading account gains and fees$0160
Additional Noninterest Income$99,0006,558
Total noninterest expense$1,788,0006,367
Salaries and employee benefits$734,0007,171
Premises and equipment expense$267,0006,000
Additional noninterest expense$787,0005,111
Pre-tax net operating income$389,0007,089
Securities gains (losses)$04,500
Applicable income taxes$132,0005,427
Income before extraordinary items$257,0007,487
Extraordinary gains, net$054
Net income$257,0007,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$181,0003,045
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$257,0007,347
2003-09-30 (YTD Data)Rank
Total interest income$2,031,0006,909
Total interest expense$647,0006,667
Net interest income$1,384,0006,868
Provision for loan and lease losses$103,0004,618
Total noninterest income$322,0005,872
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$257,0004,024
Trading account gains and fees$0153
Additional Noninterest Income$65,0006,817
Total noninterest expense$1,357,0006,304
Salaries and employee benefits$563,0007,072
Premises and equipment expense$195,0006,070
Additional noninterest expense$599,0004,999
Pre-tax net operating income$246,0007,467
Securities gains (losses)$04,204
Applicable income taxes$84,0005,755
Income before extraordinary items$162,0007,825
Extraordinary gains, net$040
Net income$162,0007,826
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$168,0002,434
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$162,0007,676
2003-06-30 (YTD Data)Rank
Total interest income$1,332,0006,998
Total interest expense$438,0006,748
Net interest income$894,0006,973
Provision for loan and lease losses$66,0004,590
Total noninterest income$217,0005,821
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$172,0003,976
Trading account gains and fees$0150
Additional Noninterest Income$45,0006,742
Total noninterest expense$920,0006,257
Salaries and employee benefits$387,0007,021
Premises and equipment expense$128,0006,096
Additional noninterest expense$405,0004,968
Pre-tax net operating income$125,0007,804
Securities gains (losses)$03,782
Applicable income taxes$42,0006,056
Income before extraordinary items$83,0008,113
Extraordinary gains, net$030
Net income$83,0008,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0002,149
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$83,0007,952
2003-03-31 (YTD Data)Rank
Total interest income$642,0007,139
Total interest expense$220,0006,817
Net interest income$422,0007,143
Provision for loan and lease losses$25,0004,925
Total noninterest income$104,0005,817
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$81,0004,048
Trading account gains and fees$0134
Additional Noninterest Income$23,0006,700
Total noninterest expense$453,0006,320
Salaries and employee benefits$199,0006,991
Premises and equipment expense$62,0006,190
Additional noninterest expense$192,0005,116
Pre-tax net operating income$48,0008,025
Securities gains (losses)$02,891
Applicable income taxes$16,0006,250
Income before extraordinary items$32,0008,236
Extraordinary gains, net$021
Net income$32,0008,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0001,520
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$32,0008,101
2002-12-31 (YTD Data)Rank
Total interest income$2,783,0007,068
Total interest expense$1,049,0006,802
Net interest income$1,734,0007,068
Provision for loan and lease losses$119,0005,449
Total noninterest income$447,0005,507
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$353,0003,848
Trading account gains and fees$0153
Additional Noninterest Income$94,0006,565
Total noninterest expense$1,838,0006,183
Salaries and employee benefits$765,0007,018
Premises and equipment expense$268,0005,914
Additional noninterest expense$805,0004,904
Pre-tax net operating income$224,0007,844
Securities gains (losses)$04,537
Applicable income taxes$50,0006,530
Income before extraordinary items$174,0007,974
Extraordinary gains, net$070
Net income$174,0007,975
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,491
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$174,0007,860
2001-12-31 (YTD Data)Rank
Total interest income$3,179,0007,052
Total interest expense$1,782,0006,439
Net interest income$1,397,0007,524
Provision for loan and lease losses$169,0004,556
Total noninterest income$264,0006,730
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$55,0007,493
Trading account gains and fees$0177
Additional Noninterest Income$209,0004,833
Total noninterest expense$1,461,0006,883
Salaries and employee benefits$666,0007,349
Premises and equipment expense$266,0005,897
Additional noninterest expense$529,0006,268
Pre-tax net operating income$31,0008,608
Securities gains (losses)$04,612
Applicable income taxes$-60,0009,183
Income before extraordinary items$91,0008,394
Extraordinary gains, net$0105
Net income$91,0008,392
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$172,0003,134
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$91,0008,292
2000-12-31 (YTD Data)Rank
Total interest income$2,793,0007,618
Total interest expense$1,581,0007,004
Net interest income$1,212,0008,043
Provision for loan and lease losses$156,0004,323
Total noninterest income$134,0008,124
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$34,0008,004
Trading account gains and feesNANA
Additional Noninterest Income$100,0006,440
Total noninterest expense$1,110,0007,712
Salaries and employee benefits$530,0008,096
Premises and equipment expense$166,0007,315
Additional noninterest expense$414,0007,039
Pre-tax net operating income$80,0008,870
Securities gains (losses)$01,956
Applicable income taxes$-88,0009,561
Income before extraordinary items$168,0008,298
Extraordinary gains, net$038
Net income$168,0008,296
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0004,757
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$168,0008,305
1999-12-31 (YTD Data)Rank
Total interest income$1,318,0009,290
Total interest expense$597,0009,216
Net interest income$721,0009,233
Provision for loan and lease losses$274,0002,882
Total noninterest income$68,0009,323
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$35,0008,186
Trading account gains and feesNANA
Additional Noninterest Income$33,0008,711
Total noninterest expense$1,028,0008,034
Salaries and employee benefits$504,0008,325
Premises and equipment expense$122,0008,192
Additional noninterest expense$402,0007,255
Pre-tax net operating income$-513,0009,856
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-513,0009,902
Extraordinary gains, net$035
Net income$-513,0009,900
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,619
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$5,000,000244
Net operating income$-513,0009,883

* 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.