Home > Bank of Central Florida > Income and Expense
Bank of Central Florida, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,440,000 | 2,087 |
| Total interest expense | $6,119,000 | 2,612 |
| Net interest income | $10,321,000 | 1,734 |
| Provision for loan and lease losses | $225,000 | 3,876 |
| Total noninterest income | $1,820,000 | 2,169 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,496,000 | 992 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $324,000 | 3,948 |
| Total noninterest expense | $7,881,000 | 1,835 |
| Salaries and employee benefits | $5,343,000 | 1,410 |
| Premises and equipment expense | $1,209,000 | 1,791 |
| Additional noninterest expense | $1,329,000 | 3,196 |
| Pre-tax net operating income | $4,035,000 | 1,767 |
| Securities gains (losses) | $513,000 | 601 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $4,548,000 | 1,193 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,548,000 | 1,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,080 |
| Cash dividends | $3,550,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,035,000 | 1,293 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,248,000 | 2,168 |
| Total interest expense | $5,824,000 | 2,864 |
| Net interest income | $10,424,000 | 1,688 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $1,646,000 | 2,184 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,238,000 | 1,096 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $408,000 | 3,296 |
| Total noninterest expense | $7,469,000 | 1,863 |
| Salaries and employee benefits | $5,079,000 | 1,394 |
| Premises and equipment expense | $1,100,000 | 1,893 |
| Additional noninterest expense | $1,290,000 | 3,198 |
| Pre-tax net operating income | $4,351,000 | 1,685 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $33,000 | 7,548 |
| Income before extraordinary items | $4,327,000 | 1,217 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,327,000 | 1,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,896 |
| Cash dividends | $3,250,000 | 894 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,318,090 | 1,218 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,523,000 | 2,240 |
| Total interest expense | $4,571,000 | 3,177 |
| Net interest income | $9,952,000 | 1,750 |
| Provision for loan and lease losses | $250,000 | 3,042 |
| Total noninterest income | $2,152,000 | 1,758 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,292,000 | 1,033 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $860,000 | 2,058 |
| Total noninterest expense | $7,651,000 | 1,802 |
| Salaries and employee benefits | $4,707,000 | 1,460 |
| Premises and equipment expense | $1,407,000 | 1,461 |
| Additional noninterest expense | $1,537,000 | 2,805 |
| Pre-tax net operating income | $4,203,000 | 1,766 |
| Securities gains (losses) | $-869,000 | 10,138 |
| Applicable income taxes | $20,000 | 8,212 |
| Income before extraordinary items | $3,314,000 | 1,611 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,314,000 | 1,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $1,510,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,174,310 | 1,279 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,091,000 | 2,485 |
| Total interest expense | $3,872,000 | 3,797 |
| Net interest income | $9,219,000 | 1,853 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $1,683,000 | 2,074 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,286,000 | 961 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $397,000 | 3,459 |
| Total noninterest expense | $7,688,000 | 1,699 |
| Salaries and employee benefits | $5,181,000 | 1,265 |
| Premises and equipment expense | $1,127,000 | 1,750 |
| Additional noninterest expense | $1,380,000 | 2,987 |
| Pre-tax net operating income | $2,914,000 | 2,449 |
| Securities gains (losses) | $23,000 | 2,320 |
| Applicable income taxes | $22,000 | 8,844 |
| Income before extraordinary items | $2,915,000 | 1,808 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,915,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,318 |
| Cash dividends | $2,550,000 | 1,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,892,230 | 1,749 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,718,000 | 2,797 |
| Total interest expense | $3,259,000 | 4,389 |
| Net interest income | $8,459,000 | 2,059 |
| Provision for loan and lease losses | $350,000 | 2,319 |
| Total noninterest income | $1,960,000 | 1,796 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,285,000 | 982 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $675,000 | 2,270 |
| Total noninterest expense | $7,266,000 | 1,786 |
| Salaries and employee benefits | $4,679,000 | 1,398 |
| Premises and equipment expense | $981,000 | 2,021 |
| Additional noninterest expense | $1,606,000 | 2,555 |
| Pre-tax net operating income | $2,803,000 | 2,638 |
| Securities gains (losses) | $-56,000 | 10,668 |
| Applicable income taxes | $243,000 | 6,333 |
| Income before extraordinary items | $2,504,000 | 2,108 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,504,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 1,125 |
| Cash dividends | $2,230,000 | 1,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,554,960 | 2,016 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,767,000 | 3,052 |
| Total interest expense | $2,901,000 | 4,934 |
| Net interest income | $7,866,000 | 2,287 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $2,061,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,337,000 | 995 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $724,000 | 2,242 |
| Total noninterest expense | $7,265,000 | 1,939 |
| Salaries and employee benefits | $4,639,000 | 1,452 |
| Premises and equipment expense | $969,000 | 2,073 |
| Additional noninterest expense | $1,657,000 | 2,873 |
| Pre-tax net operating income | $2,412,000 | 2,867 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $786,000 | 2,889 |
| Income before extraordinary items | $1,626,000 | 2,957 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,626,000 | 2,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,351 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,626,000 | 2,923 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,838,000 | 3,331 |
| Total interest expense | $2,719,000 | 5,195 |
| Net interest income | $7,119,000 | 2,523 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $1,845,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,311,000 | 1,019 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $534,000 | 2,747 |
| Total noninterest expense | $6,097,000 | 2,228 |
| Salaries and employee benefits | $3,764,000 | 1,761 |
| Premises and equipment expense | $878,000 | 2,282 |
| Additional noninterest expense | $1,455,000 | 3,173 |
| Pre-tax net operating income | $2,692,000 | 2,665 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $954,000 | 2,490 |
| Income before extraordinary items | $1,751,000 | 2,813 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,751,000 | 2,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,571 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,742,550 | 2,791 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,240,000 | 3,644 |
| Total interest expense | $1,887,000 | 5,865 |
| Net interest income | $6,353,000 | 2,853 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,671,000 | 2,104 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,305,000 | 1,018 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $366,000 | 3,610 |
| Total noninterest expense | $5,394,000 | 2,581 |
| Salaries and employee benefits | $3,407,000 | 1,961 |
| Premises and equipment expense | $735,000 | 2,714 |
| Additional noninterest expense | $1,252,000 | 3,906 |
| Pre-tax net operating income | $2,630,000 | 2,700 |
| Securities gains (losses) | $-216,000 | 11,981 |
| Applicable income taxes | $720,000 | 3,028 |
| Income before extraordinary items | $1,694,000 | 2,850 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,694,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,313 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,845,200 | 2,651 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,795,000 | 3,904 |
| Total interest expense | $1,715,000 | 6,578 |
| Net interest income | $6,080,000 | 2,990 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $1,483,000 | 2,469 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,177,000 | 1,145 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $306,000 | 4,417 |
| Total noninterest expense | $5,678,000 | 2,525 |
| Salaries and employee benefits | $3,599,000 | 1,862 |
| Premises and equipment expense | $682,000 | 2,954 |
| Additional noninterest expense | $1,397,000 | 3,711 |
| Pre-tax net operating income | $1,835,000 | 3,601 |
| Securities gains (losses) | $270,000 | 1,396 |
| Applicable income taxes | $600,000 | 3,605 |
| Income before extraordinary items | $1,505,000 | 3,241 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,505,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,582 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,313,300 | 3,483 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,890,000 | 4,339 |
| Total interest expense | $2,388,000 | 6,208 |
| Net interest income | $5,502,000 | 3,328 |
| Provision for loan and lease losses | $780,000 | 2,183 |
| Total noninterest income | $2,265,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,176,000 | 1,125 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,089,000 | 1,883 |
| Total noninterest expense | $5,676,000 | 2,549 |
| Salaries and employee benefits | $2,781,000 | 2,332 |
| Premises and equipment expense | $730,000 | 2,824 |
| Additional noninterest expense | $2,165,000 | 2,623 |
| Pre-tax net operating income | $1,311,000 | 4,575 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $294,000 | 6,016 |
| Income before extraordinary items | $1,091,000 | 4,157 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,091,000 | 4,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 4,233 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,032,540 | 4,053 |
* 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.