Home > First Colonial Bank > Income and Expense
First Colonial Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,615,000 | 2,766 |
| Total interest expense | $6,513,000 | 2,565 |
| Net interest income | $6,102,000 | 2,893 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $1,075,000 | 2,983 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $760,000 | 1,833 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $315,000 | 3,813 |
| Total noninterest expense | $4,247,000 | 3,171 |
| Salaries and employee benefits | $1,881,000 | 3,645 |
| Premises and equipment expense | $367,000 | 4,785 |
| Additional noninterest expense | $1,999,000 | 2,156 |
| Pre-tax net operating income | $2,810,000 | 2,519 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $910,000 | 2,297 |
| Income before extraordinary items | $1,900,000 | 2,687 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,900,000 | 2,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,272 |
| Cash dividends | $924,000 | 2,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,900,000 | 2,681 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,505,000 | 2,605 |
| Total interest expense | $6,585,000 | 2,240 |
| Net interest income | $5,920,000 | 2,962 |
| Provision for loan and lease losses | $213,000 | 3,422 |
| Total noninterest income | $919,000 | 3,307 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $701,000 | 1,892 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $4,281,000 | 3,110 |
| Salaries and employee benefits | $1,933,000 | 3,549 |
| Premises and equipment expense | $377,000 | 4,719 |
| Additional noninterest expense | $1,971,000 | 2,219 |
| Pre-tax net operating income | $2,345,000 | 2,940 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $736,000 | 2,810 |
| Income before extraordinary items | $1,609,000 | 3,075 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,609,000 | 3,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,567 |
| Cash dividends | $909,000 | 2,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,609,000 | 3,038 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,705,000 | 2,569 |
| Total interest expense | $7,149,000 | 2,123 |
| Net interest income | $5,556,000 | 3,090 |
| Provision for loan and lease losses | $207,000 | 3,445 |
| Total noninterest income | $965,000 | 3,168 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $516,000 | 2,488 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $449,000 | 3,194 |
| Total noninterest expense | $3,811,000 | 3,367 |
| Salaries and employee benefits | $1,889,000 | 3,515 |
| Premises and equipment expense | $362,000 | 4,769 |
| Additional noninterest expense | $1,560,000 | 2,671 |
| Pre-tax net operating income | $2,503,000 | 2,784 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $898,000 | 2,498 |
| Income before extraordinary items | $1,612,000 | 3,066 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,612,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,193 |
| Cash dividends | $909,000 | 2,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,607,520 | 2,985 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,416,000 | 2,640 |
| Total interest expense | $6,931,000 | 2,172 |
| Net interest income | $5,485,000 | 3,182 |
| Provision for loan and lease losses | $212,000 | 3,311 |
| Total noninterest income | $890,000 | 3,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $890,000 | 1,883 |
| Total noninterest expense | $3,837,000 | 3,295 |
| Salaries and employee benefits | $1,933,000 | 3,415 |
| Premises and equipment expense | $872,000 | 2,257 |
| Additional noninterest expense | $1,032,000 | 3,788 |
| Pre-tax net operating income | $2,326,000 | 3,100 |
| Securities gains (losses) | $32,000 | 1,598 |
| Applicable income taxes | $846,000 | 2,806 |
| Income before extraordinary items | $1,512,000 | 3,331 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,512,000 | 3,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $462,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,491,520 | 3,305 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,200,000 | 2,947 |
| Total interest expense | $6,586,000 | 2,343 |
| Net interest income | $4,614,000 | 3,807 |
| Provision for loan and lease losses | $245,000 | 2,976 |
| Total noninterest income | $798,000 | 3,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $798,000 | 2,109 |
| Total noninterest expense | $4,083,000 | 3,288 |
| Salaries and employee benefits | $1,770,000 | 3,730 |
| Premises and equipment expense | $745,000 | 2,617 |
| Additional noninterest expense | $1,568,000 | 3,007 |
| Pre-tax net operating income | $1,084,000 | 5,466 |
| Securities gains (losses) | $51,000 | 1,313 |
| Applicable income taxes | $417,000 | 4,765 |
| Income before extraordinary items | $718,000 | 5,685 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $718,000 | 5,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $104,000 | 6,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $685,360 | 5,765 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,656,000 | 3,388 |
| Total interest expense | $6,063,000 | 2,527 |
| Net interest income | $3,593,000 | 4,739 |
| Provision for loan and lease losses | $65,000 | 5,556 |
| Total noninterest income | $635,000 | 4,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $635,000 | 2,449 |
| Total noninterest expense | $3,022,000 | 4,266 |
| Salaries and employee benefits | $1,633,000 | 3,973 |
| Premises and equipment expense | $689,000 | 2,854 |
| Additional noninterest expense | $700,000 | 5,844 |
| Pre-tax net operating income | $1,141,000 | 5,445 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $398,000 | 4,964 |
| Income before extraordinary items | $754,000 | 5,689 |
| Extraordinary gains, net | $48,000 | 37 |
| Net income | $802,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $99,000 | 6,889 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $746,850 | 5,705 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,212,000 | 3,657 |
| Total interest expense | $4,794,000 | 2,562 |
| Net interest income | $3,418,000 | 5,046 |
| Provision for loan and lease losses | $269,000 | 2,462 |
| Total noninterest income | $533,000 | 5,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $533,000 | 2,837 |
| Total noninterest expense | $2,783,000 | 4,708 |
| Salaries and employee benefits | $1,464,000 | 4,367 |
| Premises and equipment expense | $667,000 | 2,953 |
| Additional noninterest expense | $652,000 | 6,663 |
| Pre-tax net operating income | $899,000 | 6,408 |
| Securities gains (losses) | $-280,000 | 12,095 |
| Applicable income taxes | $-3,000 | 12,050 |
| Income before extraordinary items | $622,000 | 6,381 |
| Extraordinary gains, net | $-14,000 | 12,505 |
| Net income | $608,000 | 6,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $97,000 | 7,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $902,000 | 4,964 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,243,000 | 3,708 |
| Total interest expense | $5,049,000 | 2,546 |
| Net interest income | $3,194,000 | 5,366 |
| Provision for loan and lease losses | $307,000 | 2,932 |
| Total noninterest income | $594,000 | 4,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $594,000 | 2,917 |
| Total noninterest expense | $2,641,000 | 5,026 |
| Salaries and employee benefits | $1,317,000 | 4,822 |
| Premises and equipment expense | $697,000 | 2,890 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $840,000 | 6,621 |
| Securities gains (losses) | $665,000 | 739 |
| Applicable income taxes | $583,000 | 3,696 |
| Income before extraordinary items | $922,000 | 4,998 |
| Extraordinary gains, net | $44,000 | 2,256 |
| Net income | $966,000 | 4,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 948 |
| Net operating income | $496,400 | 7,335 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,199,000 | 3,784 |
| Total interest expense | $5,838,000 | 2,857 |
| Net interest income | $3,361,000 | 5,195 |
| Provision for loan and lease losses | $229,000 | 4,869 |
| Total noninterest income | $719,000 | 4,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $719,000 | 2,479 |
| Total noninterest expense | $2,793,000 | 4,826 |
| Salaries and employee benefits | $1,408,000 | 4,473 |
| Premises and equipment expense | $719,000 | 2,854 |
| Additional noninterest expense | $666,000 | 6,983 |
| Pre-tax net operating income | $1,058,000 | 5,405 |
| Securities gains (losses) | $429,000 | 1,214 |
| Applicable income taxes | $735,000 | 2,825 |
| Income before extraordinary items | $752,000 | 5,619 |
| Extraordinary gains, net | $79,000 | 838 |
| Net income | $831,000 | 5,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 8,560 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 881 |
| Net operating income | $477,440 | 7,148 |
* 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.