Home > First Coastal Bank > Income and Expense

First Coastal Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$45,540,000738
Total interest expense$27,210,000621
Net interest income$18,330,000920
Provision for loan and lease losses$500,0001,714
Total noninterest income$3,801,0001,125
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$3,801,000781
Total noninterest expense$18,708,000788
Salaries and employee benefits$9,552,000709
Premises and equipment expense$4,768,000463
Additional noninterest expense$4,388,0001,049
Pre-tax net operating income$2,923,0002,441
Securities gains (losses)$2,601,000201
Applicable income taxes$1,951,0001,299
Income before extraordinary items$3,573,0001,477
Extraordinary gains, net$032
Net income$3,573,0001,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$400,0001,507
Cash dividends$1,410,0001,737
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,882,3502,625
1997-12-31 (YTD Data)Rank
Total interest income$48,035,000722
Total interest expense$29,474,000588
Net interest income$18,561,000963
Provision for loan and lease losses$225,0003,186
Total noninterest income$3,137,0001,254
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$3,137,000819
Total noninterest expense$16,059,000885
Salaries and employee benefits$7,903,000838
Premises and equipment expense$3,792,000561
Additional noninterest expense$4,364,0001,067
Pre-tax net operating income$5,414,0001,437
Securities gains (losses)$1,274,000249
Applicable income taxes$2,566,0001,073
Income before extraordinary items$4,122,0001,322
Extraordinary gains, net$044
Net income$4,122,0001,323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$318,0001,883
Cash dividends$1,279,0001,805
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$3,306,6401,597
1996-12-31 (YTD Data)Rank
Total interest income$47,630,000767
Total interest expense$31,275,000597
Net interest income$16,355,0001,112
Provision for loan and lease losses$150,0004,046
Total noninterest income$2,805,0001,430
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$2,805,000923
Total noninterest expense$19,421,000804
Salaries and employee benefits$6,769,000989
Premises and equipment expense$3,776,000591
Additional noninterest expense$8,876,000736
Pre-tax net operating income$-411,00011,206
Securities gains (losses)$1,331,000209
Applicable income taxes$331,0005,511
Income before extraordinary items$589,0006,335
Extraordinary gains, net$053
Net income$589,0006,338
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-272,00011,364
Cash dividends$550,0003,204
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-262,84011,120
1995-12-31 (YTD Data)Rank
Total interest income$51,516,000742
Total interest expense$37,078,000555
Net interest income$14,438,0001,249
Provision for loan and lease losses$175,0003,337
Total noninterest income$2,454,0001,570
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-241,0004,829
Additional Noninterest Income$2,695,000947
Total noninterest expense$19,416,000803
Salaries and employee benefits$9,698,000725
Premises and equipment expense$3,994,000590
Additional noninterest expense$5,724,0001,007
Pre-tax net operating income$-2,699,00011,942
Securities gains (losses)$4,562,00064
Applicable income taxes$675,0003,342
Income before extraordinary items$1,188,0003,996
Extraordinary gains, net$065
Net income$1,188,0003,993
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$535,0001,320
Cash dividends$400,0003,839
Sale, conversion, retirement of capital stock, netNANA
Net operating income$-1,731,68011,895
1994-12-31 (YTD Data)Rank
Total interest income$47,662,000730
Total interest expense$35,026,000483
Net interest income$12,636,0001,425
Provision for loan and lease losses$275,0002,418
Total noninterest income$4,151,0001,052
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-2,115,0004,953
Additional Noninterest Income$6,266,000560
Total noninterest expense$19,827,000811
Salaries and employee benefits$10,223,000689
Premises and equipment expense$3,408,000682
Additional noninterest expense$6,196,000989
Pre-tax net operating income$-3,315,00012,561
Securities gains (losses)$2,070,00092
Applicable income taxes$-695,00012,503
Income before extraordinary items$-550,00012,365
Extraordinary gains, net$0249
Net income$-550,00012,362
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,686
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$400,000579
Net operating income$-1,874,80012,489
1993-12-31 (YTD Data)Rank
Total interest income$45,894,000745
Total interest expense$34,611,000478
Net interest income$11,283,0001,598
Provision for loan and lease losses$600,0001,833
Total noninterest income$3,788,0001,211
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$3,788,000829
Total noninterest expense$18,872,000887
Salaries and employee benefits$8,930,000775
Premises and equipment expense$2,980,000778
Additional noninterest expense$6,962,000987
Pre-tax net operating income$-4,401,00013,164
Securities gains (losses)$4,366,000167
Applicable income taxes$-493,00013,136
Income before extraordinary items$458,0007,901
Extraordinary gains, net$700,000323
Net income$1,158,0004,266
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,078,0001,097
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-2,336,24013,084
1992-12-31 (YTD Data)Rank
Total interest income$54,691,000716
Total interest expense$42,005,000505
Net interest income$12,686,0001,462
Provision for loan and lease losses$2,250,0001,053
Total noninterest income$1,655,0002,216
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$1,655,0001,423
Total noninterest expense$9,990,0001,540
Salaries and employee benefits$3,445,0001,911
Premises and equipment expense$2,185,0001,038
Additional noninterest expense$4,360,0001,507
Pre-tax net operating income$2,101,0002,961
Securities gains (losses)$732,000819
Applicable income taxes$778,0002,687
Income before extraordinary items$2,055,0002,227
Extraordinary gains, net$-1,068,00013,867
Net income$987,0004,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$320,0003,212
Cash dividends$2,700,000657
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,520,6402,810

* 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.