Home > The First National Bank of Union Springs > Income and Expense

The First National Bank of Union Springs, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,261,000	7,644
Total interest expense	$1,735,000	6,993
Net interest income	$1,526,000	8,205
Provision for loan and lease losses	$138,000	4,289
Total noninterest income	$312,000	6,804
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$208,000	5,418
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	6,999
Total noninterest expense	$1,365,000	7,476
Salaries and employee benefits	$664,000	7,747
Premises and equipment expense	$163,000	7,772
Additional noninterest expense	$538,000	6,781
Pre-tax net operating income	$335,000	8,893
Securities gains (losses)	$-19,000	10,606
Applicable income taxes	$70,000	9,328
Income before extraordinary items	$246,000	8,877
Extraordinary gains, net	$0	53
Net income	$246,000	8,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,212
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$260,820	8,685
1995-12-31 (YTD Data)		Rank
Total interest income	$3,246,000	7,868
Total interest expense	$1,688,000	7,164
Net interest income	$1,558,000	8,369
Provision for loan and lease losses	$365,000	1,989
Total noninterest income	$185,000	8,675
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	6,277
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,150
Total noninterest expense	$1,272,000	7,943
Salaries and employee benefits	$609,000	8,303
Premises and equipment expense	$29,000	11,637
Additional noninterest expense	$634,000	6,308
Pre-tax net operating income	$106,000	11,051
Securities gains (losses)	$-50,000	11,171
Applicable income taxes	$-5,000	11,501
Income before extraordinary items	$61,000	11,225
Extraordinary gains, net	$0	65
Net income	$61,000	11,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$384,000	1,649
Cash dividends	$40,000	7,961
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$111,000	10,806
1994-12-31 (YTD Data)		Rank
Total interest income	$2,952,000	8,132
Total interest expense	$1,420,000	7,139
Net interest income	$1,532,000	8,789
Provision for loan and lease losses	$34,000	6,932
Total noninterest income	$224,000	8,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	7,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	8,198
Total noninterest expense	$1,366,000	8,019
Salaries and employee benefits	$714,000	7,770
Premises and equipment expense	$155,000	8,421
Additional noninterest expense	$497,000	7,873
Pre-tax net operating income	$356,000	9,685
Securities gains (losses)	$0	3,600
Applicable income taxes	$82,000	9,759
Income before extraordinary items	$274,000	9,446
Extraordinary gains, net	$0	249
Net income	$274,000	9,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,872
Cash dividends	$40,000	8,160
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$274,000	9,494
1993-12-31 (YTD Data)		Rank
Total interest income	$2,844,000	8,591
Total interest expense	$1,378,000	7,622
Net interest income	$1,466,000	9,222
Provision for loan and lease losses	$204,000	3,872
Total noninterest income	$159,000	10,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	7,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$1,229,000	8,779
Salaries and employee benefits	$596,000	8,831
Premises and equipment expense	$187,000	7,960
Additional noninterest expense	$446,000	8,764
Pre-tax net operating income	$192,000	11,115
Securities gains (losses)	$51,000	3,368
Applicable income taxes	$39,000	11,180
Income before extraordinary items	$204,000	10,600
Extraordinary gains, net	$0	3,149
Net income	$204,000	10,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$208,000	3,065
Cash dividends	$40,000	8,186
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$161,160	10,859
1992-12-31 (YTD Data)		Rank
Total interest income	$3,106,000	8,790
Total interest expense	$1,557,000	8,342
Net interest income	$1,549,000	9,121
Provision for loan and lease losses	$160,000	5,897
Total noninterest income	$147,000	10,553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,688
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,822
Total noninterest expense	$1,111,000	9,448
Salaries and employee benefits	$521,000	9,571
Premises and equipment expense	$185,000	8,187
Additional noninterest expense	$405,000	9,500
Pre-tax net operating income	$425,000	9,019
Securities gains (losses)	$20,000	5,594
Applicable income taxes	$127,000	9,192
Income before extraordinary items	$318,000	9,071
Extraordinary gains, net	$0	1,422
Net income	$318,000	9,216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	4,614
Cash dividends	$40,000	7,952
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$303,800	8,896

* 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.