Home > First Century Bank > Income and Expense

First Century Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,874,0007,676
Total interest expense$1,246,0007,796
Net interest income$1,628,0007,419
Provision for loan and lease losses$28,0007,415
Total noninterest income$173,0007,913
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$105,0006,766
Trading account gains and feesNANA
Additional Noninterest Income$68,0007,535
Total noninterest expense$1,184,0007,588
Salaries and employee benefits$441,0008,703
Premises and equipment expense$218,0006,462
Additional noninterest expense$525,0006,263
Pre-tax net operating income$589,0006,975
Securities gains (losses)$04,449
Applicable income taxes$204,0006,143
Income before extraordinary items$385,0007,303
Extraordinary gains, net$032
Net income$385,0007,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0006,956
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$385,0007,222
1997-12-31 (YTD Data)Rank
Total interest income$2,814,0007,982
Total interest expense$1,262,0007,947
Net interest income$1,552,0007,870
Provision for loan and lease losses$53,0006,553
Total noninterest income$180,0008,125
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$124,0006,675
Trading account gains and feesNANA
Additional Noninterest Income$56,0008,171
Total noninterest expense$1,076,0008,077
Salaries and employee benefits$423,0009,115
Premises and equipment expense$179,0007,216
Additional noninterest expense$474,0006,723
Pre-tax net operating income$603,0007,408
Securities gains (losses)$03,944
Applicable income taxes$206,0006,797
Income before extraordinary items$397,0007,664
Extraordinary gains, net$044
Net income$397,0007,667
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0007,092
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$397,0007,607
1996-12-31 (YTD Data)Rank
Total interest income$2,547,0008,640
Total interest expense$1,240,0008,266
Net interest income$1,307,0008,758
Provision for loan and lease losses$34,0007,277
Total noninterest income$139,0009,187
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$94,0007,626
Trading account gains and feesNANA
Additional Noninterest Income$45,0009,116
Total noninterest expense$961,0008,829
Salaries and employee benefits$393,0009,647
Premises and equipment expense$186,0007,295
Additional noninterest expense$382,0008,031
Pre-tax net operating income$451,0008,203
Securities gains (losses)$04,148
Applicable income taxes$154,0007,820
Income before extraordinary items$297,0008,455
Extraordinary gains, net$053
Net income$297,0008,452
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,597
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$297,0008,397
1995-12-31 (YTD Data)Rank
Total interest income$2,247,0009,338
Total interest expense$1,074,0008,991
Net interest income$1,173,0009,415
Provision for loan and lease losses$30,0007,070
Total noninterest income$113,00010,003
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$80,0008,310
Trading account gains and feesNANA
Additional Noninterest Income$33,00010,076
Total noninterest expense$953,0009,155
Salaries and employee benefits$391,00010,010
Premises and equipment expense$179,0007,622
Additional noninterest expense$383,0008,367
Pre-tax net operating income$303,0009,720
Securities gains (losses)$03,831
Applicable income taxes$103,0009,125
Income before extraordinary items$200,0009,928
Extraordinary gains, net$065
Net income$200,0009,932
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$200,0009,899
1994-12-31 (YTD Data)Rank
Total interest income$1,897,0009,997
Total interest expense$928,0009,004
Net interest income$969,00010,493
Provision for loan and lease losses$44,0006,435
Total noninterest income$99,00010,776
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0008,938
Trading account gains and feesNANA
Additional Noninterest Income$27,00010,986
Total noninterest expense$878,0009,874
Salaries and employee benefits$364,00010,609
Premises and equipment expense$171,0008,060
Additional noninterest expense$343,0009,439
Pre-tax net operating income$146,00011,305
Securities gains (losses)$03,600
Applicable income taxes$40,00010,689
Income before extraordinary items$106,00011,327
Extraordinary gains, net$0249
Net income$106,00011,333
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,569
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$106,00011,364
1993-12-31 (YTD Data)Rank
Total interest income$1,454,00011,337
Total interest expense$781,00010,144
Net interest income$673,00011,970
Provision for loan and lease losses$104,0005,665
Total noninterest income$70,00012,069
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,00010,780
Trading account gains and feesNANA
Additional Noninterest Income$41,00010,614
Total noninterest expense$1,012,0009,681
Salaries and employee benefits$356,00011,083
Premises and equipment expense$148,0008,964
Additional noninterest expense$508,0008,133
Pre-tax net operating income$-373,00012,802
Securities gains (losses)$-1,00012,247
Applicable income taxes$-81,00012,932
Income before extraordinary items$-293,00012,820
Extraordinary gains, net$10,0002,939
Net income$-283,00012,824
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0009,293
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-292,22012,746
1992-12-31 (YTD Data)Rank
Total interest income$827,00013,307
Total interest expense$425,00013,089
Net interest income$402,00013,387
Provision for loan and lease losses$62,0008,472
Total noninterest income$54,00013,011
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$44,00010,547
Trading account gains and feesNANA
Additional Noninterest Income$10,00013,358
Total noninterest expense$683,00011,601
Salaries and employee benefits$311,00011,891
Premises and equipment expense$146,0009,235
Additional noninterest expense$226,00011,876
Pre-tax net operating income$-289,00013,162
Securities gains (losses)$08,369
Applicable income taxes$-98,00013,583
Income before extraordinary items$-191,00013,169
Extraordinary gains, net$01,422
Net income$-191,00013,162
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-191,00013,049

* 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.