Home > First Central Bank > Income and Expense
First Central Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,328,000 | 3,794 |
| Total interest expense | $4,053,000 | 3,644 |
| Net interest income | $4,275,000 | 3,907 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $721,000 | 3,886 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $395,000 | 3,168 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $326,000 | 3,841 |
| Total noninterest expense | $5,196,000 | 2,504 |
| Salaries and employee benefits | $1,979,000 | 3,375 |
| Premises and equipment expense | $1,056,000 | 1,872 |
| Additional noninterest expense | $2,161,000 | 1,958 |
| Pre-tax net operating income | $-200,000 | 9,994 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $93,000 | 7,642 |
| Income before extraordinary items | $-293,000 | 10,113 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-293,000 | 10,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,320 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-293,000 | 10,083 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,520,000 | 3,747 |
| Total interest expense | $4,230,000 | 3,475 |
| Net interest income | $4,290,000 | 3,983 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $932,000 | 3,224 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $476,000 | 2,745 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $456,000 | 3,018 |
| Total noninterest expense | $5,159,000 | 2,491 |
| Salaries and employee benefits | $2,133,000 | 3,103 |
| Premises and equipment expense | $1,215,000 | 1,604 |
| Additional noninterest expense | $1,811,000 | 2,299 |
| Pre-tax net operating income | $63,000 | 10,201 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $226,000 | 6,550 |
| Income before extraordinary items | $-163,000 | 10,578 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-163,000 | 10,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,306 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-163,000 | 10,548 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,050,000 | 3,594 |
| Total interest expense | $4,233,000 | 3,520 |
| Net interest income | $4,817,000 | 3,666 |
| Provision for loan and lease losses | $252,000 | 2,918 |
| Total noninterest income | $980,000 | 3,178 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $547,000 | 2,489 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $433,000 | 3,226 |
| Total noninterest expense | $5,383,000 | 2,532 |
| Salaries and employee benefits | $2,383,000 | 2,813 |
| Premises and equipment expense | $1,207,000 | 1,680 |
| Additional noninterest expense | $1,793,000 | 2,702 |
| Pre-tax net operating income | $162,000 | 10,011 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $96,000 | 10,260 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $96,000 | 10,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,069,000 | 862 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $96,000 | 10,206 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,081,000 | 3,263 |
| Total interest expense | $4,766,000 | 3,152 |
| Net interest income | $5,315,000 | 3,334 |
| Provision for loan and lease losses | $2,279,000 | 539 |
| Total noninterest income | $1,181,000 | 2,759 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $493,000 | 2,757 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $688,000 | 2,316 |
| Total noninterest expense | $7,923,000 | 1,768 |
| Salaries and employee benefits | $2,765,000 | 2,410 |
| Premises and equipment expense | $1,831,000 | 1,153 |
| Additional noninterest expense | $3,327,000 | 1,559 |
| Pre-tax net operating income | $-3,706,000 | 11,953 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-1,150,000 | 11,917 |
| Income before extraordinary items | $-2,556,000 | 11,919 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-2,556,000 | 11,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,026,000 | 873 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-2,556,000 | 11,922 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,642,000 | 3,468 |
| Total interest expense | $3,444,000 | 3,495 |
| Net interest income | $5,198,000 | 3,442 |
| Provision for loan and lease losses | $261,000 | 2,507 |
| Total noninterest income | $3,962,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $513,000 | 2,664 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,449,000 | 803 |
| Total noninterest expense | $9,036,000 | 1,630 |
| Salaries and employee benefits | $4,186,000 | 1,593 |
| Premises and equipment expense | $1,714,000 | 1,224 |
| Additional noninterest expense | $3,136,000 | 1,736 |
| Pre-tax net operating income | $-137,000 | 12,221 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-62,000 | 12,241 |
| Income before extraordinary items | $-75,000 | 12,136 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-75,000 | 12,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,686 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-75,000 | 12,149 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,868,000 | 3,464 |
| Total interest expense | $3,789,000 | 3,321 |
| Net interest income | $5,079,000 | 3,519 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $9,453,000 | 634 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $575,000 | 2,393 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $8,878,000 | 459 |
| Total noninterest expense | $10,666,000 | 1,439 |
| Salaries and employee benefits | $5,710,000 | 1,186 |
| Premises and equipment expense | $1,690,000 | 1,264 |
| Additional noninterest expense | $3,266,000 | 1,781 |
| Pre-tax net operating income | $3,446,000 | 1,977 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,421,000 | 1,643 |
| Income before extraordinary items | $2,025,000 | 2,481 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,025,000 | 2,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,727 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,025,000 | 2,332 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,970,000 | 3,494 |
| Total interest expense | $4,695,000 | 3,497 |
| Net interest income | $5,275,000 | 3,460 |
| Provision for loan and lease losses | $269,000 | 4,423 |
| Total noninterest income | $8,769,000 | 654 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $421,000 | 3,305 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $8,348,000 | 484 |
| Total noninterest expense | $10,064,000 | 1,530 |
| Salaries and employee benefits | $5,527,000 | 1,210 |
| Premises and equipment expense | $1,600,000 | 1,363 |
| Additional noninterest expense | $2,937,000 | 2,024 |
| Pre-tax net operating income | $3,711,000 | 1,669 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,532,000 | 1,429 |
| Income before extraordinary items | $2,179,000 | 2,111 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,179,000 | 2,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 7,883 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,179,000 | 1,931 |
* 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.