Home > The First National Bank of Wilcox > Income and Expense

The First National Bank of Wilcox, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$744,000	11,081
Total interest expense	$359,000	10,969
Net interest income	$385,000	11,118
Provision for loan and lease losses	$0	9,041
Total noninterest income	$43,000	10,966
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	$7,000	11,116
Total noninterest expense	$314,000	11,189
Salaries and employee benefits	$197,000	11,026
Premises and equipment expense	$15,000	11,342
Additional noninterest expense	$102,000	11,073
Pre-tax net operating income	$114,000	10,298
Securities gains (losses)	$0	4,148
Applicable income taxes	$29,000	10,047
Income before extraordinary items	$85,000	10,352
Extraordinary gains, net	$0	53
Net income	$85,000	10,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,597
Cash dividends	$52,000	7,476
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$85,000	10,309
1995-12-31 (YTD Data)		Rank
Total interest income	$757,000	11,568
Total interest expense	$344,000	11,491
Net interest income	$413,000	11,579
Provision for loan and lease losses	$2,000	8,854
Total noninterest income	$47,000	11,404
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	9,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,604
Total noninterest expense	$339,000	11,625
Salaries and employee benefits	$212,000	11,420
Premises and equipment expense	$18,000	11,826
Additional noninterest expense	$109,000	11,530
Pre-tax net operating income	$119,000	10,983
Securities gains (losses)	$0	3,831
Applicable income taxes	$31,000	10,571
Income before extraordinary items	$88,000	11,035
Extraordinary gains, net	$0	65
Net income	$88,000	11,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	10,842
Cash dividends	$182,000	5,706
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$88,000	11,014
1994-12-31 (YTD Data)		Rank
Total interest income	$700,000	12,201
Total interest expense	$299,000	12,040
Net interest income	$401,000	12,220
Provision for loan and lease losses	$0	9,146
Total noninterest income	$45,000	12,039
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	10,127
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	12,207
Total noninterest expense	$342,000	12,233
Salaries and employee benefits	$208,000	12,010
Premises and equipment expense	$18,000	12,456
Additional noninterest expense	$116,000	12,155
Pre-tax net operating income	$104,000	11,604
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$25,000	11,050
Income before extraordinary items	$78,000	11,588
Extraordinary gains, net	$0	249
Net income	$78,000	11,595
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$4,000	8,886
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$78,760	11,630
1993-12-31 (YTD Data)		Rank
Total interest income	$730,000	12,767
Total interest expense	$317,000	12,599
Net interest income	$413,000	12,782
Provision for loan and lease losses	$0	10,371
Total noninterest income	$51,000	12,516
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	10,299
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	12,880
Total noninterest expense	$353,000	12,823
Salaries and employee benefits	$209,000	12,548
Premises and equipment expense	$14,000	13,170
Additional noninterest expense	$130,000	12,659
Pre-tax net operating income	$111,000	11,784
Securities gains (losses)	$0	7,477
Applicable income taxes	$27,000	11,459
Income before extraordinary items	$84,000	11,971
Extraordinary gains, net	$0	3,149
Net income	$84,000	12,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$4,000	9,023
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$84,000	11,783
1992-12-31 (YTD Data)		Rank
Total interest income	$766,000	13,397
Total interest expense	$369,000	13,305
Net interest income	$397,000	13,397
Provision for loan and lease losses	$0	11,756
Total noninterest income	$45,000	13,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$38,000	10,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	13,545
Total noninterest expense	$359,000	13,364
Salaries and employee benefits	$210,000	13,050
Premises and equipment expense	$27,000	13,499
Additional noninterest expense	$122,000	13,307
Pre-tax net operating income	$83,000	12,177
Securities gains (losses)	$6,000	6,913
Applicable income taxes	$18,000	12,166
Income before extraordinary items	$71,000	12,337
Extraordinary gains, net	$0	1,422
Net income	$71,000	12,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$4,000	8,850
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$66,200	12,104

* 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.