Home > First Capital Bank of North Dakota > Income and Expense

First Capital Bank of North Dakota, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,412,000	9,052
Total interest expense	$749,000	8,758
Net interest income	$663,000	9,194
Provision for loan and lease losses	$18,000	7,686
Total noninterest income	$58,000	9,210
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	7,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	9,226
Total noninterest expense	$643,000	8,992
Salaries and employee benefits	$330,000	9,110
Premises and equipment expense	$124,000	8,022
Additional noninterest expense	$189,000	8,882
Pre-tax net operating income	$60,000	8,941
Securities gains (losses)	$0	1,956
Applicable income taxes	$32,000	7,564
Income before extraordinary items	$28,000	9,038
Extraordinary gains, net	$0	38
Net income	$28,000	9,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,939
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$28,000	9,021
1999-12-31 (YTD Data)		Rank
Total interest income	$543,000	9,948
Total interest expense	$289,000	9,810
Net interest income	$254,000	10,015
Provision for loan and lease losses	$0	8,503
Total noninterest income	$27,000	9,902
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	8,649
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	9,479
Total noninterest expense	$421,000	9,831
Salaries and employee benefits	$130,000	10,089
Premises and equipment expense	$83,000	8,967
Additional noninterest expense	$208,000	8,946
Pre-tax net operating income	$-140,000	9,567
Securities gains (losses)	$0	3,155
Applicable income taxes	$-53,000	9,844
Income before extraordinary items	$-87,000	9,559
Extraordinary gains, net	$0	35
Net income	$-87,000	9,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,311
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-87,000	9,534
1998-12-31 (YTD Data)		Rank
Total interest income	$1,214,000	9,635
Total interest expense	$766,000	9,020
Net interest income	$448,000	10,014
Provision for loan and lease losses	$0	8,652
Total noninterest income	$36,000	10,024
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	8,593
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	9,972
Total noninterest expense	$423,000	9,993
Salaries and employee benefits	$221,000	10,007
Premises and equipment expense	$75,000	9,263
Additional noninterest expense	$127,000	9,895
Pre-tax net operating income	$61,000	9,582
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$15,000	8,979
Income before extraordinary items	$50,000	9,624
Extraordinary gains, net	$0	32
Net income	$50,000	9,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,626
Cash dividends	$60,000	6,728
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$46,920	9,582
1997-12-31 (YTD Data)		Rank
Total interest income	$1,298,000	9,930
Total interest expense	$811,000	9,226
Net interest income	$487,000	10,403
Provision for loan and lease losses	$0	8,829
Total noninterest income	$37,000	10,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	8,979
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	10,416
Total noninterest expense	$419,000	10,412
Salaries and employee benefits	$279,000	10,101
Premises and equipment expense	$56,000	10,051
Additional noninterest expense	$84,000	10,666
Pre-tax net operating income	$105,000	10,051
Securities gains (losses)	$23,000	1,798
Applicable income taxes	$46,000	9,317
Income before extraordinary items	$82,000	10,068
Extraordinary gains, net	$0	44
Net income	$82,000	10,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,643
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$67,280	10,116
1996-12-31 (YTD Data)		Rank
Total interest income	$1,283,000	10,414
Total interest expense	$856,000	9,466
Net interest income	$427,000	11,048
Provision for loan and lease losses	$0	9,041
Total noninterest income	$46,000	10,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	9,277
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$447,000	10,805
Salaries and employee benefits	$306,000	10,300
Premises and equipment expense	$56,000	10,464
Additional noninterest expense	$85,000	11,205
Pre-tax net operating income	$26,000	10,692
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$8,000	10,393
Income before extraordinary items	$19,000	10,741
Extraordinary gains, net	$0	53
Net income	$19,000	10,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,357
Cash dividends	$23,000	8,012
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$18,300	10,696
1995-12-31 (YTD Data)		Rank
Total interest income	$1,100,000	11,114
Total interest expense	$647,000	10,501
Net interest income	$453,000	11,505
Provision for loan and lease losses	$0	8,958
Total noninterest income	$41,000	11,499
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	9,652
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,753
Total noninterest expense	$443,000	11,266
Salaries and employee benefits	$283,000	10,893
Premises and equipment expense	$41,000	11,355
Additional noninterest expense	$119,000	11,438
Pre-tax net operating income	$51,000	11,300
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$-52,000	11,645
Income before extraordinary items	$107,000	10,870
Extraordinary gains, net	$0	65
Net income	$107,000	10,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	10,842
Cash dividends	$38,000	8,029
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$103,000	10,880
1994-12-31 (YTD Data)		Rank
Total interest income	$821,000	12,034
Total interest expense	$375,000	11,711
Net interest income	$446,000	12,141
Provision for loan and lease losses	$0	9,146
Total noninterest income	$52,000	11,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,191
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,641
Total noninterest expense	$374,000	12,135
Salaries and employee benefits	$222,000	11,908
Premises and equipment expense	$33,000	12,157
Additional noninterest expense	$119,000	12,121
Pre-tax net operating income	$124,000	11,457
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$11,000	11,350
Income before extraordinary items	$111,000	11,269
Extraordinary gains, net	$0	249
Net income	$111,000	11,275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,944
Cash dividends	$30,000	8,349
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$112,820	11,292
1993-12-31 (YTD Data)		Rank
Total interest income	$902,000	12,502
Total interest expense	$376,000	12,326
Net interest income	$526,000	12,476
Provision for loan and lease losses	$0	10,371
Total noninterest income	$42,000	12,725
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,719
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	12,687
Total noninterest expense	$370,000	12,758
Salaries and employee benefits	$211,000	12,528
Premises and equipment expense	$27,000	12,925
Additional noninterest expense	$132,000	12,630
Pre-tax net operating income	$198,000	11,058
Securities gains (losses)	$36,000	3,866
Applicable income taxes	$85,000	10,101
Income before extraordinary items	$149,000	11,219
Extraordinary gains, net	$-9,000	12,296
Net income	$140,000	11,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	8,808
Cash dividends	$30,000	8,419
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$125,960	11,292
1992-12-31 (YTD Data)		Rank
Total interest income	$1,110,000	12,806
Total interest expense	$541,000	12,567
Net interest income	$569,000	12,848
Provision for loan and lease losses	$0	11,756
Total noninterest income	$45,000	13,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	11,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	11,181
Total noninterest expense	$410,000	13,118
Salaries and employee benefits	$206,000	13,088
Premises and equipment expense	$3,000	13,897
Additional noninterest expense	$201,000	12,223
Pre-tax net operating income	$204,000	11,037
Securities gains (losses)	$10,000	6,439
Applicable income taxes	$36,000	11,628
Income before extraordinary items	$178,000	10,892
Extraordinary gains, net	$20,000	1,231
Net income	$198,000	10,753
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	7,883
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$169,700	10,675

* 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.