Home > First Central Bank > Income and Expense
First Central Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 6,054 |
| Total interest expense | $1,062,000 | 8,516 |
| Net interest income | $3,623,000 | 4,602 |
| Provision for loan and lease losses | $83,000 | 5,598 |
| Total noninterest income | $477,000 | 5,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,955,000 | 5,738 |
| Salaries and employee benefits | $1,009,000 | 5,818 |
| Premises and equipment expense | $271,000 | 5,790 |
| Additional noninterest expense | $675,000 | 5,355 |
| Pre-tax net operating income | $2,062,000 | 3,434 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $742,000 | 3,102 |
| Income before extraordinary items | $1,320,000 | 3,752 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,320,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $328,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 740 |
| Net operating income | $1,320,000 | 3,680 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,360,000 | 6,520 |
| Total interest expense | $980,000 | 9,080 |
| Net interest income | $3,380,000 | 4,979 |
| Provision for loan and lease losses | $54,000 | 6,461 |
| Total noninterest income | $501,000 | 5,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $392,000 | 3,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $1,483,000 | 7,155 |
| Salaries and employee benefits | $860,000 | 6,655 |
| Premises and equipment expense | $266,000 | 6,016 |
| Additional noninterest expense | $357,000 | 8,296 |
| Pre-tax net operating income | $2,344,000 | 2,977 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $862,000 | 2,666 |
| Income before extraordinary items | $1,482,000 | 3,220 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,482,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $304,000 | 4,454 |
| Sale, conversion, retirement of capital stock, net | $151,000 | 612 |
| Net operating income | $1,482,000 | 3,186 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,175,000 | 6,821 |
| Total interest expense | $1,050,000 | 9,084 |
| Net interest income | $3,125,000 | 5,322 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $431,000 | 5,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,497 |
| Total noninterest expense | $1,465,000 | 7,381 |
| Salaries and employee benefits | $717,000 | 7,612 |
| Premises and equipment expense | $294,000 | 5,716 |
| Additional noninterest expense | $454,000 | 7,674 |
| Pre-tax net operating income | $2,016,000 | 3,471 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $758,000 | 3,016 |
| Income before extraordinary items | $1,258,000 | 3,793 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,258,000 | 3,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,258,000 | 3,769 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,727,000 | 7,028 |
| Total interest expense | $843,000 | 9,383 |
| Net interest income | $2,884,000 | 5,767 |
| Provision for loan and lease losses | $71,000 | 5,291 |
| Total noninterest income | $334,000 | 6,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $1,435,000 | 7,808 |
| Salaries and employee benefits | $655,000 | 8,235 |
| Premises and equipment expense | $273,000 | 6,120 |
| Additional noninterest expense | $507,000 | 7,773 |
| Pre-tax net operating income | $1,712,000 | 3,946 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $642,000 | 3,320 |
| Income before extraordinary items | $1,070,000 | 4,270 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,070,000 | 4,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,864 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,070,000 | 4,328 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 7,779 |
| Total interest expense | $825,000 | 9,904 |
| Net interest income | $2,510,000 | 6,530 |
| Provision for loan and lease losses | $44,000 | 7,799 |
| Total noninterest income | $356,000 | 6,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $1,322,000 | 8,434 |
| Salaries and employee benefits | $602,000 | 8,788 |
| Premises and equipment expense | $264,000 | 6,427 |
| Additional noninterest expense | $456,000 | 8,657 |
| Pre-tax net operating income | $1,500,000 | 4,323 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $564,000 | 3,780 |
| Income before extraordinary items | $936,000 | 4,941 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $936,000 | 5,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $936,000 | 4,715 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,353,000 | 8,399 |
| Total interest expense | $998,000 | 10,393 |
| Net interest income | $2,355,000 | 6,876 |
| Provision for loan and lease losses | $123,000 | 6,648 |
| Total noninterest income | $284,000 | 7,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $1,247,000 | 8,856 |
| Salaries and employee benefits | $564,000 | 9,147 |
| Premises and equipment expense | $266,000 | 6,505 |
| Additional noninterest expense | $417,000 | 9,367 |
| Pre-tax net operating income | $1,269,000 | 4,698 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $477,000 | 4,154 |
| Income before extraordinary items | $792,000 | 5,404 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $792,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $792,000 | 5,090 |
* 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.