Home > First National Bank of Clovis > Income and Expense
First National Bank of Clovis, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,654,000 | 3,642 |
| Total interest expense | $3,095,000 | 4,485 |
| Net interest income | $5,559,000 | 3,120 |
| Provision for loan and lease losses | $1,222,000 | 824 |
| Total noninterest income | $406,000 | 5,562 |
| Gross Fiduciary activities income | $1,000 | 1,355 |
| Service charges on deposit accounts | $192,000 | 5,226 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $213,000 | 4,797 |
| Total noninterest expense | $2,774,000 | 4,501 |
| Salaries and employee benefits | $1,763,000 | 3,807 |
| Premises and equipment expense | $356,000 | 4,912 |
| Additional noninterest expense | $655,000 | 5,497 |
| Pre-tax net operating income | $1,969,000 | 3,385 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $615,000 | 3,167 |
| Income before extraordinary items | $1,354,000 | 3,515 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,354,000 | 3,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,484,000 | 539 |
| Cash dividends | $564,000 | 3,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,354,000 | 3,481 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,846,000 | 3,583 |
| Total interest expense | $3,428,000 | 4,211 |
| Net interest income | $5,418,000 | 3,174 |
| Provision for loan and lease losses | $480,000 | 1,770 |
| Total noninterest income | $422,000 | 5,440 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $189,000 | 5,298 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $232,000 | 4,592 |
| Total noninterest expense | $2,860,000 | 4,301 |
| Salaries and employee benefits | $1,912,000 | 3,479 |
| Premises and equipment expense | $336,000 | 5,030 |
| Additional noninterest expense | $612,000 | 5,673 |
| Pre-tax net operating income | $2,500,000 | 2,789 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $918,000 | 2,466 |
| Income before extraordinary items | $1,582,000 | 3,117 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,582,000 | 3,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,462 |
| Cash dividends | $1,476,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,582,000 | 3,031 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,447,000 | 3,778 |
| Total interest expense | $3,197,000 | 4,456 |
| Net interest income | $5,250,000 | 3,320 |
| Provision for loan and lease losses | $535,000 | 1,688 |
| Total noninterest income | $436,000 | 5,438 |
| Gross Fiduciary activities income | $1,000 | 1,427 |
| Service charges on deposit accounts | $195,000 | 5,414 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $240,000 | 4,480 |
| Total noninterest expense | $2,726,000 | 4,444 |
| Salaries and employee benefits | $1,791,000 | 3,656 |
| Premises and equipment expense | $322,000 | 5,207 |
| Additional noninterest expense | $613,000 | 5,727 |
| Pre-tax net operating income | $2,425,000 | 2,989 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $875,000 | 2,727 |
| Income before extraordinary items | $1,550,000 | 3,273 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,550,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,532 |
| Cash dividends | $1,435,000 | 1,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,550,000 | 3,195 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,894,000 | 4,092 |
| Total interest expense | $3,061,000 | 4,702 |
| Net interest income | $4,833,000 | 3,652 |
| Provision for loan and lease losses | $480,000 | 1,787 |
| Total noninterest income | $444,000 | 5,594 |
| Gross Fiduciary activities income | $1,000 | 1,500 |
| Service charges on deposit accounts | $207,000 | 5,433 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $236,000 | 4,706 |
| Total noninterest expense | $2,589,000 | 4,866 |
| Salaries and employee benefits | $1,719,000 | 3,822 |
| Premises and equipment expense | $354,000 | 4,982 |
| Additional noninterest expense | $516,000 | 6,931 |
| Pre-tax net operating income | $2,208,000 | 3,148 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $737,000 | 3,064 |
| Income before extraordinary items | $1,471,000 | 3,248 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,471,000 | 3,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 1,472 |
| Cash dividends | $1,158,000 | 1,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,471,000 | 3,209 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,851,000 | 4,081 |
| Total interest expense | $3,041,000 | 4,698 |
| Net interest income | $4,810,000 | 3,665 |
| Provision for loan and lease losses | $578,000 | 1,407 |
| Total noninterest income | $424,000 | 5,764 |
| Gross Fiduciary activities income | $1,000 | 1,568 |
| Service charges on deposit accounts | $196,000 | 5,753 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $227,000 | 4,758 |
| Total noninterest expense | $2,553,000 | 4,910 |
| Salaries and employee benefits | $1,637,000 | 3,964 |
| Premises and equipment expense | $290,000 | 5,781 |
| Additional noninterest expense | $626,000 | 6,356 |
| Pre-tax net operating income | $2,103,000 | 3,338 |
| Securities gains (losses) | $48,000 | 1,329 |
| Applicable income taxes | $706,000 | 3,213 |
| Income before extraordinary items | $1,445,000 | 3,350 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,445,000 | 3,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 1,347 |
| Cash dividends | $830,000 | 2,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,412,840 | 3,399 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,357,000 | 4,041 |
| Total interest expense | $2,347,000 | 4,900 |
| Net interest income | $5,010,000 | 3,561 |
| Provision for loan and lease losses | $730,000 | 1,166 |
| Total noninterest income | $463,000 | 5,568 |
| Gross Fiduciary activities income | $2,000 | 1,559 |
| Service charges on deposit accounts | $210,000 | 5,673 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $251,000 | 4,591 |
| Total noninterest expense | $2,670,000 | 4,866 |
| Salaries and employee benefits | $1,621,000 | 3,983 |
| Premises and equipment expense | $286,000 | 5,920 |
| Additional noninterest expense | $763,000 | 5,918 |
| Pre-tax net operating income | $2,073,000 | 3,323 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $653,000 | 3,269 |
| Income before extraordinary items | $1,420,000 | 3,325 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,420,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $685,000 | 1,111 |
| Cash dividends | $717,000 | 2,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,420,000 | 3,353 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,584,000 | 4,014 |
| Total interest expense | $2,387,000 | 5,015 |
| Net interest income | $5,197,000 | 3,441 |
| Provision for loan and lease losses | $1,020,000 | 1,278 |
| Total noninterest income | $482,000 | 5,741 |
| Gross Fiduciary activities income | $1,000 | 1,605 |
| Service charges on deposit accounts | $224,000 | 5,526 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $257,000 | 4,935 |
| Total noninterest expense | $2,732,000 | 4,878 |
| Salaries and employee benefits | $1,632,000 | 3,956 |
| Premises and equipment expense | $278,000 | 6,207 |
| Additional noninterest expense | $822,000 | 5,800 |
| Pre-tax net operating income | $1,927,000 | 3,429 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $523,000 | 4,024 |
| Income before extraordinary items | $1,404,000 | 3,437 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,404,000 | 3,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $957,000 | 1,181 |
| Cash dividends | $994,000 | 1,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,404,000 | 3,258 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,528,000 | 4,053 |
| Total interest expense | $3,489,000 | 4,553 |
| Net interest income | $5,039,000 | 3,604 |
| Provision for loan and lease losses | $900,000 | 1,967 |
| Total noninterest income | $467,000 | 5,917 |
| Gross Fiduciary activities income | $1,000 | 1,642 |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $241,000 | 5,087 |
| Total noninterest expense | $2,800,000 | 4,814 |
| Salaries and employee benefits | $1,689,000 | 3,792 |
| Premises and equipment expense | $282,000 | 6,251 |
| Additional noninterest expense | $829,000 | 5,894 |
| Pre-tax net operating income | $1,806,000 | 3,419 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $476,000 | 4,162 |
| Income before extraordinary items | $1,335,000 | 3,437 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,335,000 | 3,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $900,000 | 1,668 |
| Cash dividends | $810,000 | 1,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,331,300 | 3,199 |
* 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.