Home > First Bank of Cleveland > Income and Expense

First Bank of Cleveland, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,845,000	8,374
Total interest expense	$795,000	8,439
Net interest income	$1,050,000	8,189
Provision for loan and lease losses	$20,000	7,552
Total noninterest income	$193,000	7,379
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$154,000	5,751
Trading account gains and fees	$0	177
Additional Noninterest Income	$39,000	8,049
Total noninterest expense	$983,000	8,010
Salaries and employee benefits	$487,000	8,242
Premises and equipment expense	$109,000	8,166
Additional noninterest expense	$387,000	7,249
Pre-tax net operating income	$240,000	7,687
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$240,000	7,493
Extraordinary gains, net	$0	105
Net income	$240,000	7,494
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$147,000	3,409
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$240,000	7,378
2000-12-31 (YTD Data)		Rank
Total interest income	$1,774,000	8,660
Total interest expense	$744,000	8,767
Net interest income	$1,030,000	8,419
Provision for loan and lease losses	$155,000	4,336
Total noninterest income	$231,000	6,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$182,000	5,332
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	7,858
Total noninterest expense	$1,220,000	7,448
Salaries and employee benefits	$612,000	7,633
Premises and equipment expense	$99,000	8,459
Additional noninterest expense	$509,000	6,360
Pre-tax net operating income	$-114,000	9,258
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-114,000	9,288
Extraordinary gains, net	$0	38
Net income	$-114,000	9,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$870,000	832
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-114,000	9,282
1999-12-31 (YTD Data)		Rank
Total interest income	$2,035,000	8,458
Total interest expense	$768,000	8,762
Net interest income	$1,267,000	8,061
Provision for loan and lease losses	$1,297,000	797
Total noninterest income	$225,000	7,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$191,000	5,239
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,669
Total noninterest expense	$1,375,000	7,096
Salaries and employee benefits	$684,000	7,328
Premises and equipment expense	$110,000	8,434
Additional noninterest expense	$581,000	5,943
Pre-tax net operating income	$-1,180,000	10,088
Securities gains (losses)	$0	3,155
Applicable income taxes	$-270,000	10,078
Income before extraordinary items	$-910,000	10,067
Extraordinary gains, net	$0	35
Net income	$-910,000	10,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$417,000	1,412
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-910,000	10,056
1998-12-31 (YTD Data)		Rank
Total interest income	$2,445,000	8,159
Total interest expense	$813,000	8,906
Net interest income	$1,632,000	7,408
Provision for loan and lease losses	$145,000	4,249
Total noninterest income	$215,000	7,399
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$192,000	5,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	9,338
Total noninterest expense	$1,361,000	7,064
Salaries and employee benefits	$687,000	7,257
Premises and equipment expense	$114,000	8,398
Additional noninterest expense	$560,000	6,016
Pre-tax net operating income	$341,000	8,170
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$341,000	7,587
Extraordinary gains, net	$0	32
Net income	$341,000	7,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	3,219
Cash dividends	$250,000	4,929
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$341,000	7,505
1997-12-31 (YTD Data)		Rank
Total interest income	$2,283,000	8,657
Total interest expense	$964,000	8,789
Net interest income	$1,319,000	8,427
Provision for loan and lease losses	$125,000	4,524
Total noninterest income	$224,000	7,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$203,000	5,295
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,798
Total noninterest expense	$1,124,000	7,926
Salaries and employee benefits	$644,000	7,644
Premises and equipment expense	$114,000	8,637
Additional noninterest expense	$366,000	7,658
Pre-tax net operating income	$294,000	9,028
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$294,000	8,424
Extraordinary gains, net	$0	44
Net income	$294,000	8,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,456
Cash dividends	$100,000	6,450
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$294,000	8,380
1996-12-31 (YTD Data)		Rank
Total interest income	$2,030,000	9,332
Total interest expense	$721,000	9,910
Net interest income	$1,309,000	8,750
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$229,000	7,855
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$211,000	5,374
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	10,521
Total noninterest expense	$1,214,000	7,950
Salaries and employee benefits	$600,000	8,124
Premises and equipment expense	$135,000	8,405
Additional noninterest expense	$479,000	7,217
Pre-tax net operating income	$224,000	9,638
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$0	10,572
Income before extraordinary items	$225,000	9,053
Extraordinary gains, net	$0	53
Net income	$225,000	9,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	4,157
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$224,000	9,001
1995-12-31 (YTD Data)		Rank
Total interest income	$1,779,000	10,047
Total interest expense	$654,000	10,466
Net interest income	$1,125,000	9,559
Provision for loan and lease losses	$43,000	6,516
Total noninterest income	$211,000	8,267
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$194,000	5,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$1,004,000	8,938
Salaries and employee benefits	$476,000	9,318
Premises and equipment expense	$145,000	8,397
Additional noninterest expense	$383,000	8,367
Pre-tax net operating income	$289,000	9,835
Securities gains (losses)	$0	3,831
Applicable income taxes	$32,000	10,549
Income before extraordinary items	$257,000	9,352
Extraordinary gains, net	$0	65
Net income	$257,000	9,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,798
Cash dividends	$275,000	4,749
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$257,000	9,326
1994-12-31 (YTD Data)		Rank
Total interest income	$1,595,000	10,540
Total interest expense	$482,000	11,175
Net interest income	$1,113,000	10,022
Provision for loan and lease losses	$70,000	5,310
Total noninterest income	$240,000	8,083
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$205,000	5,767
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,003,000	9,338
Salaries and employee benefits	$461,000	9,743
Premises and equipment expense	$57,000	11,399
Additional noninterest expense	$485,000	8,002
Pre-tax net operating income	$280,000	10,279
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$19,000	11,165
Income before extraordinary items	$259,000	9,596
Extraordinary gains, net	$0	249
Net income	$259,000	9,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,263
Cash dividends	$190,000	5,630
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$260,860	9,638
1993-12-31 (YTD Data)		Rank
Total interest income	$1,553,000	11,110
Total interest expense	$444,000	11,977
Net interest income	$1,109,000	10,369
Provision for loan and lease losses	$62,000	6,899
Total noninterest income	$234,000	8,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	5,731
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$957,000	9,938
Salaries and employee benefits	$427,000	10,359
Premises and equipment expense	$84,000	11,010
Additional noninterest expense	$446,000	8,764
Pre-tax net operating income	$324,000	10,027
Securities gains (losses)	$38,000	3,799
Applicable income taxes	$66,000	10,572
Income before extraordinary items	$296,000	9,530
Extraordinary gains, net	$37,000	2,352
Net income	$333,000	9,263
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	7,435
Cash dividends	$115,000	6,633
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$264,840	9,624
1992-12-31 (YTD Data)		Rank
Total interest income	$1,604,000	11,721
Total interest expense	$557,000	12,499
Net interest income	$1,047,000	10,905
Provision for loan and lease losses	$40,000	9,471
Total noninterest income	$242,000	8,633
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	5,714
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	12,017
Total noninterest expense	$968,000	10,126
Salaries and employee benefits	$433,000	10,482
Premises and equipment expense	$88,000	11,176
Additional noninterest expense	$447,000	9,007
Pre-tax net operating income	$281,000	10,325
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$31,000	11,785
Income before extraordinary items	$254,000	9,865
Extraordinary gains, net	$0	1,422
Net income	$254,000	10,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	8,449
Cash dividends	$747,000	2,034
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$250,440	9,546

* 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.