Home > First Choice Community Bank > Income and Expense
First Choice Community Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 2,716 |
| Total interest expense | $1,104,000 | 1,541 |
| Net interest income | $1,511,000 | 3,448 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $235,000 | 3,273 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $84,000 | 3,335 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $151,000 | 2,890 |
| Total noninterest expense | $2,397,000 | 2,018 |
| Salaries and employee benefits | $894,000 | 2,715 |
| Premises and equipment expense | $340,000 | 1,894 |
| Additional noninterest expense | $1,163,000 | 1,498 |
| Pre-tax net operating income | $-651,000 | 7,153 |
| Securities gains (losses) | $-95,000 | 7,398 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-746,000 | 7,229 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-746,000 | 7,229 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-746,000 | 7,230 |
| Net charge-offs | $138,000 | 2,434 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-651,000 | 7,184 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,941,000 | 2,021 |
| Total interest expense | $6,216,000 | 1,332 |
| Net interest income | $8,725,000 | 2,523 |
| Provision for loan and lease losses | $33,815,000 | 241 |
| Total noninterest income | $-3,541,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $407,000 | 3,045 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,948,000 | 7,622 |
| Total noninterest expense | $10,273,000 | 1,905 |
| Salaries and employee benefits | $4,297,000 | 2,247 |
| Premises and equipment expense | $1,458,000 | 1,760 |
| Additional noninterest expense | $4,518,000 | 1,594 |
| Pre-tax net operating income | $-38,904,000 | 7,588 |
| Securities gains (losses) | $20,000 | 3,102 |
| Applicable income taxes | $3,546,000 | 474 |
| Income before extraordinary items | $-42,430,000 | 7,590 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-42,430,000 | 7,590 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-42,430,000 | 7,590 |
| Net charge-offs | $21,695,000 | 314 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,066 |
| Net operating income | $-42,450,000 | 7,585 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,728,000 | 1,979 |
| Total interest expense | $4,860,000 | 1,328 |
| Net interest income | $6,868,000 | 2,418 |
| Provision for loan and lease losses | $14,165,000 | 382 |
| Total noninterest income | $-2,896,000 | 7,738 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $313,000 | 3,067 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-3,209,000 | 7,733 |
| Total noninterest expense | $7,835,000 | 1,871 |
| Salaries and employee benefits | $3,271,000 | 2,222 |
| Premises and equipment expense | $1,104,000 | 1,760 |
| Additional noninterest expense | $3,460,000 | 1,535 |
| Pre-tax net operating income | $-18,028,000 | 7,644 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,546,000 | 377 |
| Income before extraordinary items | $-21,574,000 | 7,668 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-21,574,000 | 7,668 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-21,574,000 | 7,668 |
| Net charge-offs | $12,617,000 | 381 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 967 |
| Net operating income | $-21,574,000 | 7,662 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,836,000 | 1,994 |
| Total interest expense | $3,341,000 | 1,343 |
| Net interest income | $4,495,000 | 2,465 |
| Provision for loan and lease losses | $13,841,000 | 283 |
| Total noninterest income | $-3,126,000 | 7,817 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $205,000 | 3,113 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-3,331,000 | 7,818 |
| Total noninterest expense | $5,558,000 | 1,780 |
| Salaries and employee benefits | $2,195,000 | 2,218 |
| Premises and equipment expense | $745,000 | 1,757 |
| Additional noninterest expense | $2,618,000 | 1,359 |
| Pre-tax net operating income | $-18,030,000 | 7,744 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $3,546,000 | 251 |
| Income before extraordinary items | $-21,576,000 | 7,760 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-21,576,000 | 7,760 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-21,576,000 | 7,760 |
| Net charge-offs | $11,386,000 | 296 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 848 |
| Net operating income | $-21,576,000 | 7,759 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,111,000 | 1,945 |
| Total interest expense | $1,711,000 | 1,377 |
| Net interest income | $2,400,000 | 2,345 |
| Provision for loan and lease losses | $4,180,000 | 432 |
| Total noninterest income | $-1,676,000 | 7,918 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $99,000 | 3,161 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,775,000 | 7,917 |
| Total noninterest expense | $2,302,000 | 2,114 |
| Salaries and employee benefits | $1,054,000 | 2,338 |
| Premises and equipment expense | $359,000 | 1,881 |
| Additional noninterest expense | $889,000 | 1,923 |
| Pre-tax net operating income | $-5,758,000 | 7,789 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-1,983,000 | 7,857 |
| Income before extraordinary items | $-3,775,000 | 7,749 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,775,000 | 7,750 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,775,000 | 7,750 |
| Net charge-offs | $451,000 | 1,656 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 794 |
| Net operating income | $-3,775,000 | 7,741 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,459,000 | 4,876 |
| Total interest expense | $2,769,000 | 3,636 |
| Net interest income | $2,690,000 | 5,653 |
| Provision for loan and lease losses | $1,335,000 | 3,050 |
| Total noninterest income | $-213,000 | 7,825 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $68,000 | 6,200 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-281,000 | 7,727 |
| Total noninterest expense | $3,414,000 | 4,799 |
| Salaries and employee benefits | $1,306,000 | 5,596 |
| Premises and equipment expense | $436,000 | 4,765 |
| Additional noninterest expense | $1,672,000 | 3,786 |
| Pre-tax net operating income | $-2,272,000 | 6,707 |
| Securities gains (losses) | $23,000 | 2,986 |
| Applicable income taxes | $-856,000 | 7,224 |
| Income before extraordinary items | $-1,393,000 | 6,532 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,393,000 | 6,532 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,393,000 | 6,532 |
| Net charge-offs | $241,000 | 4,771 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,205 |
| Net operating income | $-1,407,720 | 6,538 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 4,939 |
| Total interest expense | $2,136,000 | 3,688 |
| Net interest income | $1,956,000 | 5,759 |
| Provision for loan and lease losses | $1,290,000 | 2,425 |
| Total noninterest income | $-314,000 | 7,981 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $49,000 | 6,293 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-363,000 | 7,930 |
| Total noninterest expense | $2,224,000 | 5,215 |
| Salaries and employee benefits | $1,040,000 | 5,457 |
| Premises and equipment expense | $331,000 | 4,770 |
| Additional noninterest expense | $853,000 | 4,876 |
| Pre-tax net operating income | $-1,872,000 | 7,000 |
| Securities gains (losses) | $23,000 | 2,682 |
| Applicable income taxes | $-697,000 | 7,439 |
| Income before extraordinary items | $-1,152,000 | 6,826 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,152,000 | 6,827 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,152,000 | 6,828 |
| Net charge-offs | $209,000 | 4,203 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,081 |
| Net operating income | $-1,166,720 | 6,823 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 5,018 |
| Total interest expense | $1,465,000 | 3,737 |
| Net interest income | $1,227,000 | 5,917 |
| Provision for loan and lease losses | $285,000 | 3,817 |
| Total noninterest income | $66,000 | 6,893 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $32,000 | 6,340 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $34,000 | 6,268 |
| Total noninterest expense | $1,396,000 | 5,435 |
| Salaries and employee benefits | $702,000 | 5,486 |
| Premises and equipment expense | $227,000 | 4,718 |
| Additional noninterest expense | $467,000 | 5,428 |
| Pre-tax net operating income | $-388,000 | 6,528 |
| Securities gains (losses) | $23,000 | 2,272 |
| Applicable income taxes | $-144,000 | 7,235 |
| Income before extraordinary items | $-221,000 | 6,415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-221,000 | 6,414 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-221,000 | 6,414 |
| Net charge-offs | $75,000 | 4,536 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,044 |
| Net operating income | $-235,720 | 6,433 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 4,973 |
| Total interest expense | $746,000 | 3,789 |
| Net interest income | $642,000 | 5,815 |
| Provision for loan and lease losses | $95,000 | 3,976 |
| Total noninterest income | $36,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $15,000 | 6,393 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $21,000 | 6,118 |
| Total noninterest expense | $701,000 | 5,390 |
| Salaries and employee benefits | $383,000 | 5,282 |
| Premises and equipment expense | $120,000 | 4,618 |
| Additional noninterest expense | $198,000 | 5,626 |
| Pre-tax net operating income | $-118,000 | 6,702 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-45,000 | 7,408 |
| Income before extraordinary items | $-73,000 | 6,741 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-73,000 | 6,742 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-73,000 | 6,742 |
| Net charge-offs | $50,000 | 3,538 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 915 |
| Net operating income | $-73,000 | 6,642 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,061,000 | 5,419 |
| Total interest expense | $2,555,000 | 4,686 |
| Net interest income | $2,506,000 | 5,906 |
| Provision for loan and lease losses | $739,000 | 3,157 |
| Total noninterest income | $134,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $39,000 | 6,786 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $95,000 | 5,995 |
| Total noninterest expense | $2,550,000 | 5,601 |
| Salaries and employee benefits | $1,272,000 | 5,810 |
| Premises and equipment expense | $455,000 | 4,727 |
| Additional noninterest expense | $823,000 | 5,403 |
| Pre-tax net operating income | $-649,000 | 6,843 |
| Securities gains (losses) | $18,000 | 2,241 |
| Applicable income taxes | $-278,000 | 7,308 |
| Income before extraordinary items | $-353,000 | 6,608 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-353,000 | 6,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 3,856 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,245 |
| Net operating income | $-364,520 | 6,763 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,781,000 | 5,502 |
| Total interest expense | $1,831,000 | 4,927 |
| Net interest income | $1,950,000 | 5,853 |
| Provision for loan and lease losses | $365,000 | 3,221 |
| Total noninterest income | $97,000 | 7,146 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $26,000 | 6,896 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $71,000 | 6,119 |
| Total noninterest expense | $1,935,000 | 5,549 |
| Salaries and employee benefits | $991,000 | 5,715 |
| Premises and equipment expense | $330,000 | 4,833 |
| Additional noninterest expense | $614,000 | 5,360 |
| Pre-tax net operating income | $-253,000 | 7,072 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-92,000 | 7,522 |
| Income before extraordinary items | $-161,000 | 6,856 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-161,000 | 6,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,110 |
| Net operating income | $-161,000 | 7,032 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,431,000 | 5,689 |
| Total interest expense | $1,185,000 | 5,164 |
| Net interest income | $1,246,000 | 5,970 |
| Provision for loan and lease losses | $200,000 | 3,141 |
| Total noninterest income | $53,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $16,000 | 6,968 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $37,000 | 6,530 |
| Total noninterest expense | $1,318,000 | 5,525 |
| Salaries and employee benefits | $696,000 | 5,611 |
| Premises and equipment expense | $212,000 | 4,972 |
| Additional noninterest expense | $410,000 | 5,343 |
| Pre-tax net operating income | $-219,000 | 7,344 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-81,000 | 7,823 |
| Income before extraordinary items | $-138,000 | 7,313 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-138,000 | 7,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,007 |
| Net operating income | $-138,000 | 7,290 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,206,000 | 5,787 |
| Total interest expense | $586,000 | 5,347 |
| Net interest income | $620,000 | 6,016 |
| Provision for loan and lease losses | $95,000 | 2,798 |
| Total noninterest income | $29,000 | 7,362 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $9,000 | 6,931 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 6,458 |
| Total noninterest expense | $645,000 | 5,610 |
| Salaries and employee benefits | $345,000 | 5,672 |
| Premises and equipment expense | $99,000 | 5,177 |
| Additional noninterest expense | $201,000 | 5,362 |
| Pre-tax net operating income | $-91,000 | 7,531 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-34,000 | 7,971 |
| Income before extraordinary items | $-57,000 | 7,529 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-57,000 | 7,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 877 |
| Net operating income | $-57,000 | 7,469 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,138,000 | 6,758 |
| Total interest expense | $1,227,000 | 6,825 |
| Net interest income | $1,911,000 | 6,607 |
| Provision for loan and lease losses | $578,000 | 2,114 |
| Total noninterest income | $42,000 | 8,096 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $9,000 | 7,324 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $33,000 | 7,470 |
| Total noninterest expense | $1,444,000 | 6,999 |
| Salaries and employee benefits | $772,000 | 7,051 |
| Premises and equipment expense | $168,000 | 7,064 |
| Additional noninterest expense | $504,000 | 6,554 |
| Pre-tax net operating income | $-69,000 | 7,521 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-19,000 | 7,843 |
| Income before extraordinary items | $-50,000 | 7,577 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-50,000 | 7,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $17,915,000 | 105 |
| Net operating income | $-50,000 | 7,552 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 7,144 |
| Total interest expense | $723,000 | 7,253 |
| Net interest income | $1,253,000 | 6,949 |
| Provision for loan and lease losses | $434,000 | 1,761 |
| Total noninterest income | $19,000 | 8,265 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,000 | 7,410 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $15,000 | 7,834 |
| Total noninterest expense | $943,000 | 7,249 |
| Salaries and employee benefits | $519,000 | 7,249 |
| Premises and equipment expense | $102,000 | 7,372 |
| Additional noninterest expense | $322,000 | 6,892 |
| Pre-tax net operating income | $-105,000 | 7,809 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-34,000 | 8,121 |
| Income before extraordinary items | $-71,000 | 7,817 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-71,000 | 7,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $17,911,000 | 74 |
| Net operating income | $-71,000 | 7,801 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $829,000 | 7,901 |
| Total interest expense | $280,000 | 7,952 |
| Net interest income | $549,000 | 7,731 |
| Provision for loan and lease losses | $355,000 | 1,352 |
| Total noninterest income | $8,000 | 8,392 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,000 | 7,510 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $453,000 | 7,821 |
| Salaries and employee benefits | $239,000 | 7,891 |
| Premises and equipment expense | $49,000 | 7,801 |
| Additional noninterest expense | $165,000 | 7,405 |
| Pre-tax net operating income | $-251,000 | 8,121 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-93,000 | 8,369 |
| Income before extraordinary items | $-158,000 | 8,078 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-158,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $17,904,000 | 50 |
| Net operating income | $-158,000 | 8,070 |
* 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.