Home > First Capital Bank > Income and Expense
First Capital Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,829,000 | 2,707 |
| Total interest expense | $1,020,000 | 2,302 |
| Net interest income | $1,809,000 | 2,899 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $144,000 | 4,812 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,848 |
| Total noninterest expense | $1,133,000 | 3,477 |
| Salaries and employee benefits | $583,000 | 3,651 |
| Premises and equipment expense | $132,000 | 4,029 |
| Additional noninterest expense | $418,000 | 2,907 |
| Pre-tax net operating income | $805,000 | 2,555 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $293,000 | 2,009 |
| Income before extraordinary items | $512,000 | 2,994 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $512,000 | 2,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $512,000 | 2,952 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,408,000 | 4,063 |
| Total interest expense | $2,348,000 | 3,206 |
| Net interest income | $4,060,000 | 4,430 |
| Provision for loan and lease losses | $230,000 | 3,450 |
| Total noninterest income | $581,000 | 4,891 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $135,000 | 5,973 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $446,000 | 3,518 |
| Total noninterest expense | $2,779,000 | 4,924 |
| Salaries and employee benefits | $1,389,000 | 5,205 |
| Premises and equipment expense | $335,000 | 5,363 |
| Additional noninterest expense | $1,055,000 | 4,155 |
| Pre-tax net operating income | $1,632,000 | 4,038 |
| Securities gains (losses) | $182,000 | 874 |
| Applicable income taxes | $644,000 | 2,912 |
| Income before extraordinary items | $1,170,000 | 4,271 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,170,000 | 4,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,501 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,053,520 | 4,477 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,657,000 | 4,909 |
| Total interest expense | $1,329,000 | 3,985 |
| Net interest income | $2,328,000 | 5,304 |
| Provision for loan and lease losses | $170,000 | 3,327 |
| Total noninterest income | $467,000 | 4,722 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $81,000 | 6,393 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $386,000 | 3,261 |
| Total noninterest expense | $1,631,000 | 5,705 |
| Salaries and employee benefits | $824,000 | 5,917 |
| Premises and equipment expense | $187,000 | 6,184 |
| Additional noninterest expense | $620,000 | 4,947 |
| Pre-tax net operating income | $994,000 | 4,625 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $338,000 | 3,576 |
| Income before extraordinary items | $656,000 | 5,130 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $656,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,887 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $656,000 | 5,043 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $852,000 | 7,768 |
| Total interest expense | $311,000 | 6,901 |
| Net interest income | $541,000 | 7,988 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $108,000 | 7,087 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $22,000 | 7,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 5,466 |
| Total noninterest expense | $387,000 | 8,253 |
| Salaries and employee benefits | $192,000 | 8,397 |
| Premises and equipment expense | $46,000 | 8,103 |
| Additional noninterest expense | $149,000 | 7,744 |
| Pre-tax net operating income | $232,000 | 6,959 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $82,000 | 5,085 |
| Income before extraordinary items | $150,000 | 7,327 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $150,000 | 7,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,207 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $150,000 | 7,263 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,722,000 | 2,563 |
| Total interest expense | $1,013,000 | 1,967 |
| Net interest income | $1,709,000 | 2,909 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $224,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $163,000 | 2,793 |
| Total noninterest expense | $1,120,000 | 3,440 |
| Salaries and employee benefits | $604,000 | 3,436 |
| Premises and equipment expense | $141,000 | 3,754 |
| Additional noninterest expense | $375,000 | 3,085 |
| Pre-tax net operating income | $723,000 | 2,642 |
| Securities gains (losses) | $-1,000 | 8,686 |
| Applicable income taxes | $258,000 | 2,149 |
| Income before extraordinary items | $464,000 | 3,119 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $464,000 | 3,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $464,640 | 2,998 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,610,000 | 2,662 |
| Total interest expense | $4,902,000 | 1,824 |
| Net interest income | $5,708,000 | 3,314 |
| Provision for loan and lease losses | $840,000 | 1,397 |
| Total noninterest income | $1,456,000 | 2,908 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $276,000 | 4,507 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,180,000 | 2,145 |
| Total noninterest expense | $4,534,000 | 3,326 |
| Salaries and employee benefits | $2,504,000 | 3,264 |
| Premises and equipment expense | $483,000 | 4,182 |
| Additional noninterest expense | $1,547,000 | 2,994 |
| Pre-tax net operating income | $1,790,000 | 3,648 |
| Securities gains (losses) | $422,000 | 843 |
| Applicable income taxes | $682,000 | 2,844 |
| Income before extraordinary items | $1,530,000 | 3,514 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,530,000 | 3,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 1,027 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,238,820 | 3,876 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,965,000 | 2,702 |
| Total interest expense | $3,803,000 | 1,838 |
| Net interest income | $4,162,000 | 3,411 |
| Provision for loan and lease losses | $780,000 | 1,113 |
| Total noninterest income | $1,193,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $220,000 | 4,368 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $973,000 | 2,090 |
| Total noninterest expense | $3,315,000 | 3,392 |
| Salaries and employee benefits | $1,895,000 | 3,245 |
| Premises and equipment expense | $330,000 | 4,434 |
| Additional noninterest expense | $1,090,000 | 3,155 |
| Pre-tax net operating income | $1,260,000 | 3,941 |
| Securities gains (losses) | $386,000 | 810 |
| Applicable income taxes | $497,000 | 3,040 |
| Income before extraordinary items | $1,149,000 | 3,621 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,149,000 | 3,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 748 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $878,800 | 4,189 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,356,000 | 2,707 |
| Total interest expense | $2,611,000 | 1,841 |
| Net interest income | $2,745,000 | 3,435 |
| Provision for loan and lease losses | $600,000 | 971 |
| Total noninterest income | $767,000 | 2,843 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $143,000 | 4,400 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $624,000 | 2,140 |
| Total noninterest expense | $2,097,000 | 3,545 |
| Salaries and employee benefits | $1,195,000 | 3,368 |
| Premises and equipment expense | $214,000 | 4,514 |
| Additional noninterest expense | $688,000 | 3,273 |
| Pre-tax net operating income | $815,000 | 4,002 |
| Securities gains (losses) | $350,000 | 729 |
| Applicable income taxes | $348,000 | 2,960 |
| Income before extraordinary items | $817,000 | 3,456 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $817,000 | 3,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 951 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $572,000 | 4,213 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,687,000 | 2,715 |
| Total interest expense | $1,314,000 | 1,871 |
| Net interest income | $1,373,000 | 3,421 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $318,000 | 3,114 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 4,383 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $248,000 | 2,372 |
| Total noninterest expense | $968,000 | 3,765 |
| Salaries and employee benefits | $564,000 | 3,535 |
| Premises and equipment expense | $109,000 | 4,452 |
| Additional noninterest expense | $295,000 | 3,698 |
| Pre-tax net operating income | $423,000 | 3,906 |
| Securities gains (losses) | $258,000 | 563 |
| Applicable income taxes | $208,000 | 2,624 |
| Income before extraordinary items | $473,000 | 3,068 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $473,000 | 3,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 610 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $294,980 | 4,107 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,201,000 | 2,717 |
| Total interest expense | $5,604,000 | 2,014 |
| Net interest income | $5,597,000 | 3,328 |
| Provision for loan and lease losses | $1,150,000 | 1,183 |
| Total noninterest income | $1,113,000 | 3,236 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $342,000 | 3,933 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $771,000 | 2,557 |
| Total noninterest expense | $3,634,000 | 3,831 |
| Salaries and employee benefits | $1,927,000 | 3,860 |
| Premises and equipment expense | $406,000 | 4,596 |
| Additional noninterest expense | $1,301,000 | 3,372 |
| Pre-tax net operating income | $1,926,000 | 3,520 |
| Securities gains (losses) | $233,000 | 1,073 |
| Applicable income taxes | $660,000 | 2,953 |
| Income before extraordinary items | $1,499,000 | 3,510 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,499,000 | 3,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $626,000 | 1,384 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,338,230 | 3,698 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,590,000 | 3,155 |
| Total interest expense | $6,712,000 | 2,387 |
| Net interest income | $3,878,000 | 4,220 |
| Provision for loan and lease losses | $420,000 | 2,511 |
| Total noninterest income | $760,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $392,000 | 3,465 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $368,000 | 3,719 |
| Total noninterest expense | $2,899,000 | 4,450 |
| Salaries and employee benefits | $1,533,000 | 4,440 |
| Premises and equipment expense | $372,000 | 4,827 |
| Additional noninterest expense | $994,000 | 4,083 |
| Pre-tax net operating income | $1,319,000 | 4,180 |
| Securities gains (losses) | $192,000 | 1,220 |
| Applicable income taxes | $447,000 | 3,510 |
| Income before extraordinary items | $1,064,000 | 4,109 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,064,000 | 4,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 2,542 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $929,600 | 4,357 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,891,000 | 3,760 |
| Total interest expense | $6,040,000 | 2,769 |
| Net interest income | $2,851,000 | 5,340 |
| Provision for loan and lease losses | $283,000 | 2,986 |
| Total noninterest income | $331,000 | 6,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,472 |
| Total noninterest expense | $2,481,000 | 4,877 |
| Salaries and employee benefits | $1,322,000 | 4,841 |
| Premises and equipment expense | $345,000 | 4,979 |
| Additional noninterest expense | $814,000 | 4,676 |
| Pre-tax net operating income | $418,000 | 7,371 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $124,000 | 6,243 |
| Income before extraordinary items | $288,000 | 7,544 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $288,000 | 7,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,458 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $292,200 | 7,524 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,034,000 | 4,372 |
| Total interest expense | $4,442,000 | 3,276 |
| Net interest income | $2,592,000 | 5,674 |
| Provision for loan and lease losses | $217,000 | 3,385 |
| Total noninterest income | $249,000 | 6,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,590 |
| Total noninterest expense | $1,891,000 | 5,883 |
| Salaries and employee benefits | $990,000 | 5,930 |
| Premises and equipment expense | $225,000 | 6,425 |
| Additional noninterest expense | $676,000 | 5,374 |
| Pre-tax net operating income | $733,000 | 6,196 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $233,000 | 5,368 |
| Income before extraordinary items | $513,000 | 6,349 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $513,000 | 6,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,700,000 | 452 |
| Net operating income | $504,030 | 6,390 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,845,000 | 5,803 |
| Total interest expense | $2,880,000 | 4,878 |
| Net interest income | $1,965,000 | 6,732 |
| Provision for loan and lease losses | $309,000 | 2,532 |
| Total noninterest income | $220,000 | 7,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,647 |
| Total noninterest expense | $1,219,000 | 7,491 |
| Salaries and employee benefits | $657,000 | 7,437 |
| Premises and equipment expense | $85,000 | 9,045 |
| Additional noninterest expense | $477,000 | 6,597 |
| Pre-tax net operating income | $657,000 | 6,649 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $230,000 | 5,833 |
| Income before extraordinary items | $447,000 | 6,938 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $447,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,626 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $433,800 | 6,920 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,975,000 | 7,782 |
| Total interest expense | $1,575,000 | 7,166 |
| Net interest income | $1,400,000 | 8,232 |
| Provision for loan and lease losses | $234,000 | 3,125 |
| Total noninterest income | $53,000 | 10,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,014 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $890,000 | 8,714 |
| Salaries and employee benefits | $522,000 | 8,444 |
| Premises and equipment expense | $111,000 | 8,713 |
| Additional noninterest expense | $257,000 | 8,764 |
| Pre-tax net operating income | $329,000 | 8,827 |
| Securities gains (losses) | $9,000 | 2,430 |
| Applicable income taxes | $93,000 | 8,518 |
| Income before extraordinary items | $245,000 | 8,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $245,000 | 8,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $238,520 | 8,813 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $885,000 | 10,942 |
| Total interest expense | $325,000 | 11,033 |
| Net interest income | $560,000 | 10,754 |
| Provision for loan and lease losses | $153,000 | 4,019 |
| Total noninterest income | $6,000 | 11,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 9,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $500,000 | 10,590 |
| Salaries and employee benefits | $289,000 | 10,439 |
| Premises and equipment expense | $75,000 | 9,952 |
| Additional noninterest expense | $136,000 | 10,728 |
| Pre-tax net operating income | $-87,000 | 10,943 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-87,000 | 10,979 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-87,000 | 10,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,400,000 | 135 |
| Net operating income | $-87,000 | 10,932 |
* 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.