Home > 1st Choice Bank > Income and Expense
1st Choice Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $30,527,000 | 1,067 |
| Total interest expense | $15,067,000 | 1,015 |
| Net interest income | $15,460,000 | 1,135 |
| Provision for loan and lease losses | $1,020,000 | 947 |
| Total noninterest income | $2,029,000 | 1,836 |
| Gross Fiduciary activities income | $79,000 | 1,028 |
| Service charges on deposit accounts | $965,000 | 1,360 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $985,000 | 1,895 |
| Total noninterest expense | $11,437,000 | 1,212 |
| Salaries and employee benefits | $5,776,000 | 1,197 |
| Premises and equipment expense | $1,571,000 | 1,290 |
| Additional noninterest expense | $4,090,000 | 1,144 |
| Pre-tax net operating income | $5,032,000 | 1,501 |
| Securities gains (losses) | $17,000 | 1,477 |
| Applicable income taxes | $1,589,000 | 1,517 |
| Income before extraordinary items | $3,460,000 | 1,548 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,460,000 | 1,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,719 |
| Cash dividends | $275,000 | 4,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,448,270 | 1,522 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,323,000 | 1,326 |
| Total interest expense | $12,724,000 | 1,227 |
| Net interest income | $11,599,000 | 1,451 |
| Provision for loan and lease losses | $575,000 | 1,547 |
| Total noninterest income | $1,427,000 | 2,347 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $702,000 | 1,817 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $725,000 | 2,328 |
| Total noninterest expense | $8,685,000 | 1,532 |
| Salaries and employee benefits | $4,046,000 | 1,648 |
| Premises and equipment expense | $1,077,000 | 1,832 |
| Additional noninterest expense | $3,562,000 | 1,252 |
| Pre-tax net operating income | $3,766,000 | 1,934 |
| Securities gains (losses) | $280,000 | 766 |
| Applicable income taxes | $1,188,000 | 2,006 |
| Income before extraordinary items | $2,858,000 | 1,839 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,858,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,039 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,659,200 | 1,901 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,088,000 | 1,729 |
| Total interest expense | $9,896,000 | 1,567 |
| Net interest income | $9,192,000 | 1,894 |
| Provision for loan and lease losses | $1,025,000 | 972 |
| Total noninterest income | $1,084,000 | 2,859 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $617,000 | 2,127 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $467,000 | 2,963 |
| Total noninterest expense | $6,132,000 | 2,100 |
| Salaries and employee benefits | $2,851,000 | 2,318 |
| Premises and equipment expense | $948,000 | 2,079 |
| Additional noninterest expense | $2,333,000 | 1,823 |
| Pre-tax net operating income | $3,119,000 | 2,401 |
| Securities gains (losses) | $51,000 | 1,331 |
| Applicable income taxes | $973,000 | 2,499 |
| Income before extraordinary items | $2,197,000 | 2,366 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,197,000 | 2,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 970 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,161,810 | 2,348 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,388,000 | 2,326 |
| Total interest expense | $7,026,000 | 2,208 |
| Net interest income | $7,362,000 | 2,437 |
| Provision for loan and lease losses | $950,000 | 1,067 |
| Total noninterest income | $780,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $484,000 | 2,799 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $296,000 | 4,103 |
| Total noninterest expense | $4,743,000 | 2,882 |
| Salaries and employee benefits | $2,093,000 | 3,194 |
| Premises and equipment expense | $734,000 | 2,663 |
| Additional noninterest expense | $1,916,000 | 2,555 |
| Pre-tax net operating income | $2,449,000 | 2,826 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $762,000 | 2,979 |
| Income before extraordinary items | $1,687,000 | 2,873 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,687,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,652 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,250,000 | 178 |
| Net operating income | $1,687,000 | 2,833 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,836,000 | 3,332 |
| Total interest expense | $4,800,000 | 3,131 |
| Net interest income | $5,036,000 | 3,508 |
| Provision for loan and lease losses | $525,000 | 1,507 |
| Total noninterest income | $516,000 | 5,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,191 |
| Total noninterest expense | $3,113,000 | 4,144 |
| Salaries and employee benefits | $1,349,000 | 4,717 |
| Premises and equipment expense | $398,000 | 4,563 |
| Additional noninterest expense | $1,366,000 | 3,341 |
| Pre-tax net operating income | $1,914,000 | 3,635 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $753,000 | 3,032 |
| Income before extraordinary items | $1,161,000 | 4,069 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,161,000 | 4,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 647 |
| Net operating income | $1,161,000 | 4,049 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,668,000 | 5,109 |
| Total interest expense | $2,579,000 | 4,521 |
| Net interest income | $3,089,000 | 5,498 |
| Provision for loan and lease losses | $310,000 | 2,192 |
| Total noninterest income | $298,000 | 7,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,572 |
| Total noninterest expense | $1,964,000 | 6,299 |
| Salaries and employee benefits | $867,000 | 6,834 |
| Premises and equipment expense | $210,000 | 7,210 |
| Additional noninterest expense | $887,000 | 5,236 |
| Pre-tax net operating income | $1,113,000 | 5,525 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $412,000 | 4,665 |
| Income before extraordinary items | $701,000 | 5,907 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $701,000 | 5,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,544,000 | 217 |
| Net operating income | $701,000 | 5,973 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 8,890 |
| Total interest expense | $1,257,000 | 8,050 |
| Net interest income | $1,402,000 | 9,410 |
| Provision for loan and lease losses | $337,000 | 2,779 |
| Total noninterest income | $166,000 | 9,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,758 |
| Total noninterest expense | $985,000 | 9,802 |
| Salaries and employee benefits | $470,000 | 9,956 |
| Premises and equipment expense | $70,000 | 11,498 |
| Additional noninterest expense | $445,000 | 8,780 |
| Pre-tax net operating income | $246,000 | 10,648 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $18,000 | 11,644 |
| Income before extraordinary items | $228,000 | 10,293 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $228,000 | 10,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,980 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,199,000 | 435 |
| Net operating income | $228,000 | 10,053 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $317,000 | 13,816 |
| Total interest expense | $123,000 | 13,801 |
| Net interest income | $194,000 | 13,779 |
| Provision for loan and lease losses | $59,000 | 8,714 |
| Total noninterest income | $32,000 | 13,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 11,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $394,000 | 13,196 |
| Salaries and employee benefits | $146,000 | 13,575 |
| Premises and equipment expense | $162,000 | 8,785 |
| Additional noninterest expense | $86,000 | 13,638 |
| Pre-tax net operating income | $-227,000 | 13,119 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-227,000 | 13,210 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-227,000 | 13,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,780,000 | 325 |
| Net operating income | $-227,000 | 13,088 |
* 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.