Home > First Bank & Trust > Income and Expense
First Bank & Trust, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 7,042 |
| Total interest expense | $450,000 | 6,677 |
| Net interest income | $860,000 | 7,083 |
| Provision for loan and lease losses | $93,000 | 3,993 |
| Total noninterest income | $49,000 | 8,391 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $37,000 | 7,065 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $12,000 | 8,333 |
| Total noninterest expense | $722,000 | 7,010 |
| Salaries and employee benefits | $430,000 | 6,747 |
| Premises and equipment expense | $110,000 | 6,521 |
| Additional noninterest expense | $182,000 | 7,367 |
| Pre-tax net operating income | $94,000 | 8,058 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $31,000 | 6,314 |
| Income before extraordinary items | $63,000 | 8,302 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $63,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $63,000 | 8,169 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $606,000 | 7,284 |
| Total interest expense | $213,000 | 6,902 |
| Net interest income | $393,000 | 7,336 |
| Provision for loan and lease losses | $38,000 | 4,186 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $344,000 | 7,168 |
| Salaries and employee benefits | $199,000 | 6,991 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $91,000 | 7,386 |
| Pre-tax net operating income | $32,000 | 8,277 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $20,000 | 8,485 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $20,000 | 8,369 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 8,014 |
| Total interest expense | $547,000 | 8,255 |
| Net interest income | $1,308,000 | 7,756 |
| Provision for loan and lease losses | $187,000 | 4,494 |
| Total noninterest income | $66,000 | 8,794 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $55,000 | 7,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $1,244,000 | 7,379 |
| Salaries and employee benefits | $719,000 | 7,197 |
| Premises and equipment expense | $201,000 | 6,768 |
| Additional noninterest expense | $324,000 | 7,632 |
| Pre-tax net operating income | $-57,000 | 8,717 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-151,000 | 9,107 |
| Income before extraordinary items | $94,000 | 8,362 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $94,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $94,000 | 8,272 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 9,488 |
| Total interest expense | $76,000 | 9,483 |
| Net interest income | $262,000 | 9,450 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $12,000 | 9,464 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $9,000 | 8,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,000 | 9,387 |
| Total noninterest expense | $513,000 | 9,147 |
| Salaries and employee benefits | $294,000 | 9,088 |
| Premises and equipment expense | $85,000 | 8,547 |
| Additional noninterest expense | $134,000 | 9,168 |
| Pre-tax net operating income | $-374,000 | 9,090 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-374,000 | 9,169 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-374,000 | 9,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-374,000 | 9,121 |
* 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.