Home > First Capitol Bank > Income and Expense
First Capitol Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,876,000 | 3,964 |
| Total interest expense | $4,067,000 | 3,537 |
| Net interest income | $3,809,000 | 4,349 |
| Provision for loan and lease losses | $1,448,000 | 727 |
| Total noninterest income | $428,000 | 5,414 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $200,000 | 5,121 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $228,000 | 4,641 |
| Total noninterest expense | $3,795,000 | 3,473 |
| Salaries and employee benefits | $1,890,000 | 3,605 |
| Premises and equipment expense | $647,000 | 3,073 |
| Additional noninterest expense | $1,258,000 | 3,292 |
| Pre-tax net operating income | $-1,006,000 | 10,059 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $-540,000 | 10,140 |
| Income before extraordinary items | $-467,000 | 9,878 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-467,000 | 9,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,085,000 | 672 |
| Cash dividends | $467,000 | 3,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-466,360 | 9,856 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 3,906 |
| Total interest expense | $4,137,000 | 3,571 |
| Net interest income | $3,939,000 | 4,169 |
| Provision for loan and lease losses | $86,000 | 5,448 |
| Total noninterest income | $265,000 | 6,828 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $158,000 | 5,783 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $107,000 | 6,480 |
| Total noninterest expense | $4,858,000 | 2,694 |
| Salaries and employee benefits | $1,810,000 | 3,650 |
| Premises and equipment expense | $587,000 | 3,233 |
| Additional noninterest expense | $2,461,000 | 1,733 |
| Pre-tax net operating income | $-740,000 | 10,277 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $-327,000 | 10,358 |
| Income before extraordinary items | $-411,000 | 10,189 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-411,000 | 10,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,245 |
| Cash dividends | $95,000 | 6,355 |
| Sale, conversion, retirement of capital stock, net | $1,124,000 | 449 |
| Net operating income | $-412,280 | 10,165 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,958,000 | 3,993 |
| Total interest expense | $4,191,000 | 3,507 |
| Net interest income | $3,767,000 | 4,456 |
| Provision for loan and lease losses | $174,000 | 3,820 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,765 |
| Total noninterest expense | $2,931,000 | 4,175 |
| Salaries and employee benefits | $1,642,000 | 3,940 |
| Premises and equipment expense | $524,000 | 3,562 |
| Additional noninterest expense | $765,000 | 4,894 |
| Pre-tax net operating income | $846,000 | 6,346 |
| Securities gains (losses) | $93,000 | 1,015 |
| Applicable income taxes | $267,000 | 6,072 |
| Income before extraordinary items | $672,000 | 6,017 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $672,000 | 6,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,042 |
| Cash dividends | $74,000 | 6,885 |
| Sale, conversion, retirement of capital stock, net | $791,000 | 478 |
| Net operating income | $605,040 | 6,286 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,127,000 | 4,503 |
| Total interest expense | $3,807,000 | 3,887 |
| Net interest income | $3,320,000 | 5,054 |
| Provision for loan and lease losses | $182,000 | 3,615 |
| Total noninterest income | $123,000 | 9,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,496 |
| Total noninterest expense | $2,461,000 | 5,070 |
| Salaries and employee benefits | $1,335,000 | 4,762 |
| Premises and equipment expense | $454,000 | 4,079 |
| Additional noninterest expense | $672,000 | 5,909 |
| Pre-tax net operating income | $800,000 | 6,503 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $268,000 | 6,210 |
| Income before extraordinary items | $553,000 | 6,542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $553,000 | 6,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,776 |
| Cash dividends | $64,000 | 7,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $538,930 | 6,575 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,687,000 | 4,742 |
| Total interest expense | $3,724,000 | 3,936 |
| Net interest income | $2,963,000 | 5,553 |
| Provision for loan and lease losses | $159,000 | 3,541 |
| Total noninterest income | $146,000 | 9,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $2,430,000 | 5,124 |
| Salaries and employee benefits | $1,218,000 | 5,157 |
| Premises and equipment expense | $392,000 | 4,624 |
| Additional noninterest expense | $820,000 | 5,150 |
| Pre-tax net operating income | $520,000 | 8,328 |
| Securities gains (losses) | $52,000 | 1,281 |
| Applicable income taxes | $42,000 | 10,333 |
| Income before extraordinary items | $530,000 | 7,030 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $530,000 | 7,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,786 |
| Cash dividends | $42,000 | 7,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $481,640 | 7,356 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,404,000 | 5,319 |
| Total interest expense | $2,798,000 | 4,206 |
| Net interest income | $2,606,000 | 6,255 |
| Provision for loan and lease losses | $110,000 | 4,343 |
| Total noninterest income | $160,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 9,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,454 |
| Total noninterest expense | $2,224,000 | 5,686 |
| Salaries and employee benefits | $1,058,000 | 5,814 |
| Premises and equipment expense | $354,000 | 5,052 |
| Additional noninterest expense | $812,000 | 5,625 |
| Pre-tax net operating income | $432,000 | 9,111 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $428,000 | 7,918 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $428,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,946 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $432,000 | 7,934 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,725,000 | 6,068 |
| Total interest expense | $2,476,000 | 4,857 |
| Net interest income | $2,249,000 | 7,039 |
| Provision for loan and lease losses | $308,000 | 2,928 |
| Total noninterest income | $195,000 | 9,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,953 |
| Total noninterest expense | $1,939,000 | 6,500 |
| Salaries and employee benefits | $842,000 | 7,064 |
| Premises and equipment expense | $294,000 | 5,963 |
| Additional noninterest expense | $803,000 | 5,911 |
| Pre-tax net operating income | $197,000 | 11,071 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $219,000 | 10,432 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $219,000 | 10,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,655,000 | 388 |
| Net operating income | $197,000 | 10,462 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,282,000 | 7,150 |
| Total interest expense | $2,382,000 | 6,221 |
| Net interest income | $1,900,000 | 8,042 |
| Provision for loan and lease losses | $320,000 | 3,972 |
| Total noninterest income | $89,000 | 12,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $1,635,000 | 7,450 |
| Salaries and employee benefits | $684,000 | 8,113 |
| Premises and equipment expense | $272,000 | 6,405 |
| Additional noninterest expense | $679,000 | 6,896 |
| Pre-tax net operating income | $34,000 | 12,509 |
| Securities gains (losses) | $114,000 | 2,803 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $148,000 | 11,302 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $148,000 | 11,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 6,088 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $775,000 | 461 |
| Net operating income | $34,000 | 12,441 |
* 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.