Home > First Charter Bank > Income and Expense
First Charter Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,886,000 | 3,763 |
| Total interest expense | $3,633,000 | 4,278 |
| Net interest income | $5,253,000 | 3,326 |
| Provision for loan and lease losses | $-205,000 | 9,848 |
| Total noninterest income | $1,974,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $383,000 | 3,361 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,591,000 | 1,326 |
| Total noninterest expense | $6,585,000 | 2,092 |
| Salaries and employee benefits | $2,899,000 | 2,460 |
| Premises and equipment expense | $1,083,000 | 1,918 |
| Additional noninterest expense | $2,603,000 | 1,703 |
| Pre-tax net operating income | $847,000 | 5,711 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $2,000 | 8,274 |
| Income before extraordinary items | $850,000 | 4,861 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $850,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,719 |
| Cash dividends | $660,000 | 3,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $845,000 | 4,884 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,466,000 | 3,708 |
| Total interest expense | $3,397,000 | 4,140 |
| Net interest income | $5,069,000 | 3,421 |
| Provision for loan and lease losses | $-200,000 | 10,144 |
| Total noninterest income | $1,763,000 | 2,033 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $476,000 | 2,744 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,287,000 | 1,549 |
| Total noninterest expense | $7,882,000 | 1,747 |
| Salaries and employee benefits | $2,448,000 | 2,866 |
| Premises and equipment expense | $1,129,000 | 1,811 |
| Additional noninterest expense | $4,305,000 | 1,091 |
| Pre-tax net operating income | $-850,000 | 10,017 |
| Securities gains (losses) | $12,000 | 1,656 |
| Applicable income taxes | $-9,000 | 9,665 |
| Income before extraordinary items | $-829,000 | 10,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-829,000 | 10,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,246 |
| Cash dividends | $165,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-840,880 | 10,031 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,682,000 | 3,652 |
| Total interest expense | $4,003,000 | 3,685 |
| Net interest income | $4,679,000 | 3,622 |
| Provision for loan and lease losses | $-440,000 | 10,408 |
| Total noninterest income | $1,571,000 | 2,189 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $486,000 | 2,614 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,085,000 | 1,748 |
| Total noninterest expense | $5,329,000 | 2,436 |
| Salaries and employee benefits | $2,175,000 | 3,083 |
| Premises and equipment expense | $944,000 | 2,063 |
| Additional noninterest expense | $2,210,000 | 1,916 |
| Pre-tax net operating income | $1,361,000 | 4,471 |
| Securities gains (losses) | $33,000 | 2,048 |
| Applicable income taxes | $-557,000 | 10,400 |
| Income before extraordinary items | $1,951,000 | 2,616 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,951,000 | 2,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,569 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,918,000 | 2,569 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,448,000 | 3,776 |
| Total interest expense | $3,889,000 | 3,780 |
| Net interest income | $4,559,000 | 3,791 |
| Provision for loan and lease losses | $-500,000 | 10,868 |
| Total noninterest income | $2,218,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $635,000 | 2,068 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,583,000 | 1,283 |
| Total noninterest expense | $6,442,000 | 2,003 |
| Salaries and employee benefits | $2,005,000 | 3,306 |
| Premises and equipment expense | $1,081,000 | 1,836 |
| Additional noninterest expense | $3,356,000 | 1,310 |
| Pre-tax net operating income | $835,000 | 6,393 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-544,000 | 10,864 |
| Income before extraordinary items | $1,379,000 | 3,614 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,379,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,768 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,379,000 | 3,538 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,676,000 | 3,730 |
| Total interest expense | $4,026,000 | 3,692 |
| Net interest income | $4,650,000 | 3,785 |
| Provision for loan and lease losses | $882,000 | 1,120 |
| Total noninterest income | $2,015,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $651,000 | 2,073 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,364,000 | 1,469 |
| Total noninterest expense | $8,501,000 | 1,672 |
| Salaries and employee benefits | $2,534,000 | 2,650 |
| Premises and equipment expense | $904,000 | 2,202 |
| Additional noninterest expense | $5,063,000 | 1,124 |
| Pre-tax net operating income | $-2,718,000 | 11,421 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-755,000 | 11,380 |
| Income before extraordinary items | $-1,963,000 | 11,401 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,963,000 | 11,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,661,000 | 647 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,045,000 | 144 |
| Net operating income | $-1,963,000 | 11,388 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,113,000 | 2,760 |
| Total interest expense | $4,770,000 | 3,149 |
| Net interest income | $7,343,000 | 2,446 |
| Provision for loan and lease losses | $5,425,000 | 307 |
| Total noninterest income | $2,132,000 | 1,737 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $673,000 | 2,005 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,459,000 | 1,390 |
| Total noninterest expense | $10,515,000 | 1,348 |
| Salaries and employee benefits | $3,474,000 | 1,907 |
| Premises and equipment expense | $934,000 | 2,153 |
| Additional noninterest expense | $6,107,000 | 956 |
| Pre-tax net operating income | $-6,465,000 | 11,977 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-6,489,000 | 11,949 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-6,489,000 | 11,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,208,000 | 265 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-6,465,000 | 11,950 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,732,000 | 2,228 |
| Total interest expense | $4,448,000 | 2,757 |
| Net interest income | $9,284,000 | 1,954 |
| Provision for loan and lease losses | $3,950,000 | 344 |
| Total noninterest income | $1,693,000 | 2,086 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $713,000 | 1,885 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $980,000 | 1,860 |
| Total noninterest expense | $10,469,000 | 1,394 |
| Salaries and employee benefits | $3,773,000 | 1,788 |
| Premises and equipment expense | $906,000 | 2,225 |
| Additional noninterest expense | $5,790,000 | 1,041 |
| Pre-tax net operating income | $-3,442,000 | 12,564 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-3,428,000 | 12,532 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-3,428,000 | 12,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,197,000 | 409 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $6,050,000 | 148 |
| Net operating income | $-3,442,000 | 12,534 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,140,000 | 2,077 |
| Total interest expense | $5,593,000 | 2,316 |
| Net interest income | $9,547,000 | 1,891 |
| Provision for loan and lease losses | $6,172,000 | 376 |
| Total noninterest income | $1,237,000 | 2,842 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $682,000 | 2,004 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $555,000 | 3,035 |
| Total noninterest expense | $11,917,000 | 1,291 |
| Salaries and employee benefits | $3,963,000 | 1,703 |
| Premises and equipment expense | $939,000 | 2,186 |
| Additional noninterest expense | $7,015,000 | 981 |
| Pre-tax net operating income | $-7,305,000 | 13,207 |
| Securities gains (losses) | $237,000 | 1,501 |
| Applicable income taxes | $-2,104,000 | 13,217 |
| Income before extraordinary items | $-4,964,000 | 13,158 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-4,964,000 | 13,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,277,000 | 406 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-5,129,900 | 13,151 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,025,000 | 1,763 |
| Total interest expense | $6,260,000 | 2,674 |
| Net interest income | $13,765,000 | 1,339 |
| Provision for loan and lease losses | $4,377,000 | 643 |
| Total noninterest income | $775,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $639,000 | 2,124 |
| Trading account gains and fees | $-230,000 | 5,292 |
| Additional Noninterest Income | $366,000 | 3,915 |
| Total noninterest expense | $9,736,000 | 1,580 |
| Salaries and employee benefits | $4,098,000 | 1,613 |
| Premises and equipment expense | $840,000 | 2,455 |
| Additional noninterest expense | $4,798,000 | 1,375 |
| Pre-tax net operating income | $427,000 | 8,996 |
| Securities gains (losses) | $204,000 | 1,989 |
| Applicable income taxes | $260,000 | 6,508 |
| Income before extraordinary items | $371,000 | 8,498 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $371,000 | 8,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,821,000 | 765 |
| Cash dividends | $161,000 | 5,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $240,440 | 9,680 |
* 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.