Home > The First National Bank of Wills Point > Income and Expense
The First National Bank of Wills Point, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,242,000 | 8,726 |
| Total interest expense | $891,000 | 8,993 |
| Net interest income | $1,351,000 | 8,352 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $238,000 | 7,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,127 |
| Total noninterest expense | $1,150,000 | 7,851 |
| Salaries and employee benefits | $549,000 | 8,252 |
| Premises and equipment expense | $137,000 | 8,082 |
| Additional noninterest expense | $464,000 | 6,808 |
| Pre-tax net operating income | $439,000 | 8,239 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $105,000 | 8,323 |
| Income before extraordinary items | $334,000 | 8,111 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $334,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 10,521 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $334,000 | 8,069 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 9,179 |
| Total interest expense | $807,000 | 9,619 |
| Net interest income | $1,337,000 | 8,672 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $211,000 | 8,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,673 |
| Total noninterest expense | $991,000 | 8,697 |
| Salaries and employee benefits | $520,000 | 8,713 |
| Premises and equipment expense | $117,000 | 8,867 |
| Additional noninterest expense | $354,000 | 8,324 |
| Pre-tax net operating income | $512,000 | 7,873 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $118,000 | 8,426 |
| Income before extraordinary items | $393,000 | 7,676 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $393,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,783 |
| Cash dividends | $110,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $393,770 | 7,611 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,992,000 | 9,730 |
| Total interest expense | $687,000 | 10,358 |
| Net interest income | $1,305,000 | 9,056 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $262,000 | 7,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,966 |
| Total noninterest expense | $926,000 | 9,268 |
| Salaries and employee benefits | $506,000 | 9,065 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $312,000 | 9,124 |
| Pre-tax net operating income | $591,000 | 7,917 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $182,000 | 7,745 |
| Income before extraordinary items | $418,000 | 7,896 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $418,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,173 |
| Cash dividends | $55,000 | 7,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $411,700 | 7,921 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 10,483 |
| Total interest expense | $451,000 | 11,333 |
| Net interest income | $1,175,000 | 9,823 |
| Provision for loan and lease losses | $-50,000 | 11,988 |
| Total noninterest income | $217,000 | 8,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,058 |
| Total noninterest expense | $924,000 | 9,662 |
| Salaries and employee benefits | $437,000 | 9,946 |
| Premises and equipment expense | $102,000 | 9,964 |
| Additional noninterest expense | $385,000 | 8,974 |
| Pre-tax net operating income | $518,000 | 8,535 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $159,000 | 8,133 |
| Income before extraordinary items | $359,000 | 8,562 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $359,000 | 8,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,975 |
| Cash dividends | $41,000 | 8,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $359,000 | 8,608 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,503,000 | 11,238 |
| Total interest expense | $428,000 | 12,086 |
| Net interest income | $1,075,000 | 10,506 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $216,000 | 8,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,889 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,638 |
| Total noninterest expense | $924,000 | 10,088 |
| Salaries and employee benefits | $399,000 | 10,642 |
| Premises and equipment expense | $116,000 | 9,911 |
| Additional noninterest expense | $409,000 | 9,165 |
| Pre-tax net operating income | $367,000 | 9,673 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $367,000 | 8,775 |
| Extraordinary gains, net | $120,000 | 1,422 |
| Net income | $487,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 12,190 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $367,000 | 8,506 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 11,851 |
| Total interest expense | $593,000 | 12,324 |
| Net interest income | $952,000 | 11,288 |
| Provision for loan and lease losses | $27,000 | 10,147 |
| Total noninterest income | $299,000 | 7,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,888 |
| Total noninterest expense | $947,000 | 10,218 |
| Salaries and employee benefits | $361,000 | 11,327 |
| Premises and equipment expense | $138,000 | 9,460 |
| Additional noninterest expense | $448,000 | 8,986 |
| Pre-tax net operating income | $277,000 | 10,360 |
| Securities gains (losses) | $109,000 | 2,865 |
| Applicable income taxes | $129,000 | 9,137 |
| Income before extraordinary items | $257,000 | 9,826 |
| Extraordinary gains, net | $129,000 | 622 |
| Net income | $386,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $183,970 | 10,486 |
* 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.