Home > First Colony Bank > Income and Expense
First Colony Bank, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,948,000 | 1,503 |
| Total interest expense | $1,894,000 | 1,290 |
| Net interest income | $3,054,000 | 1,602 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $571,000 | 2,078 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $138,000 | 2,749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $433,000 | 1,643 |
| Total noninterest expense | $1,398,000 | 2,757 |
| Salaries and employee benefits | $808,000 | 2,593 |
| Premises and equipment expense | $249,000 | 2,260 |
| Additional noninterest expense | $341,000 | 3,269 |
| Pre-tax net operating income | $1,927,000 | 1,122 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $715,000 | 1,040 |
| Income before extraordinary items | $1,219,000 | 1,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,219,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,214,520 | 1,273 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,256,000 | 1,595 |
| Total interest expense | $7,475,000 | 1,519 |
| Net interest income | $11,781,000 | 1,642 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $2,274,000 | 1,917 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $594,000 | 2,590 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,680,000 | 1,507 |
| Total noninterest expense | $7,868,000 | 1,915 |
| Salaries and employee benefits | $5,258,000 | 1,540 |
| Premises and equipment expense | $993,000 | 2,199 |
| Additional noninterest expense | $1,617,000 | 2,783 |
| Pre-tax net operating income | $5,787,000 | 1,444 |
| Securities gains (losses) | $27,000 | 2,929 |
| Applicable income taxes | $2,005,000 | 1,293 |
| Income before extraordinary items | $3,809,000 | 1,589 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,809,000 | 1,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,987 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,791,180 | 1,543 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,677,000 | 1,728 |
| Total interest expense | $9,389,000 | 1,729 |
| Net interest income | $10,288,000 | 1,743 |
| Provision for loan and lease losses | $585,000 | 1,947 |
| Total noninterest income | $2,100,000 | 1,937 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $515,000 | 2,778 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,585,000 | 1,463 |
| Total noninterest expense | $5,492,000 | 2,578 |
| Salaries and employee benefits | $3,270,000 | 2,297 |
| Premises and equipment expense | $786,000 | 2,674 |
| Additional noninterest expense | $1,436,000 | 2,986 |
| Pre-tax net operating income | $6,311,000 | 1,185 |
| Securities gains (losses) | $-70,000 | 9,474 |
| Applicable income taxes | $2,290,000 | 1,053 |
| Income before extraordinary items | $3,951,000 | 1,384 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,951,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,263 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,995,800 | 1,309 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,158,000 | 1,930 |
| Total interest expense | $9,213,000 | 1,871 |
| Net interest income | $8,945,000 | 1,978 |
| Provision for loan and lease losses | $835,000 | 1,233 |
| Total noninterest income | $1,002,000 | 3,128 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $359,000 | 3,521 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $643,000 | 2,521 |
| Total noninterest expense | $5,049,000 | 2,692 |
| Salaries and employee benefits | $2,942,000 | 2,436 |
| Premises and equipment expense | $725,000 | 2,794 |
| Additional noninterest expense | $1,382,000 | 3,024 |
| Pre-tax net operating income | $4,063,000 | 1,797 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,500,000 | 1,517 |
| Income before extraordinary items | $2,563,000 | 2,031 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,563,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,638 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,563,000 | 2,040 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,497,000 | 2,243 |
| Total interest expense | $6,747,000 | 2,194 |
| Net interest income | $7,750,000 | 2,275 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $827,000 | 3,537 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $310,000 | 3,890 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $517,000 | 2,893 |
| Total noninterest expense | $4,973,000 | 2,719 |
| Salaries and employee benefits | $2,755,000 | 2,556 |
| Premises and equipment expense | $778,000 | 2,602 |
| Additional noninterest expense | $1,440,000 | 2,958 |
| Pre-tax net operating income | $3,454,000 | 2,124 |
| Securities gains (losses) | $-48,000 | 9,785 |
| Applicable income taxes | $1,223,000 | 1,887 |
| Income before extraordinary items | $2,183,000 | 2,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,183,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,661 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,213,720 | 2,319 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,373,000 | 2,263 |
| Total interest expense | $6,658,000 | 2,276 |
| Net interest income | $7,715,000 | 2,214 |
| Provision for loan and lease losses | $1,809,000 | 624 |
| Total noninterest income | $1,019,000 | 3,027 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $280,000 | 4,143 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $739,000 | 2,295 |
| Total noninterest expense | $5,078,000 | 2,562 |
| Salaries and employee benefits | $2,775,000 | 2,432 |
| Premises and equipment expense | $747,000 | 2,603 |
| Additional noninterest expense | $1,556,000 | 2,680 |
| Pre-tax net operating income | $1,847,000 | 3,556 |
| Securities gains (losses) | $120,000 | 1,176 |
| Applicable income taxes | $700,000 | 3,028 |
| Income before extraordinary items | $1,267,000 | 3,757 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,267,000 | 3,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,835,000 | 495 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,190,200 | 3,864 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,891,000 | 2,984 |
| Total interest expense | $4,583,000 | 3,241 |
| Net interest income | $6,308,000 | 2,760 |
| Provision for loan and lease losses | $610,000 | 1,486 |
| Total noninterest income | $901,000 | 3,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $595,000 | 2,489 |
| Total noninterest expense | $3,894,000 | 3,259 |
| Salaries and employee benefits | $2,121,000 | 3,116 |
| Premises and equipment expense | $557,000 | 3,380 |
| Additional noninterest expense | $1,216,000 | 3,319 |
| Pre-tax net operating income | $2,705,000 | 2,730 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $928,000 | 2,589 |
| Income before extraordinary items | $1,778,000 | 2,861 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,778,000 | 2,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,777,340 | 2,810 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,593,000 | 4,231 |
| Total interest expense | $3,307,000 | 4,397 |
| Net interest income | $4,286,000 | 4,044 |
| Provision for loan and lease losses | $350,000 | 2,313 |
| Total noninterest income | $616,000 | 4,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 3,816 |
| Total noninterest expense | $2,959,000 | 4,348 |
| Salaries and employee benefits | $1,648,000 | 3,958 |
| Premises and equipment expense | $421,000 | 4,352 |
| Additional noninterest expense | $890,000 | 4,801 |
| Pre-tax net operating income | $1,593,000 | 4,132 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $560,000 | 3,785 |
| Income before extraordinary items | $1,035,000 | 4,355 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,035,000 | 4,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $71,000 | 7,207 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 463 |
| Net operating income | $1,033,700 | 4,307 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 5,306 |
| Total interest expense | $2,593,000 | 5,405 |
| Net interest income | $3,262,000 | 5,153 |
| Provision for loan and lease losses | $182,000 | 3,207 |
| Total noninterest income | $512,000 | 5,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,459 |
| Total noninterest expense | $2,515,000 | 4,976 |
| Salaries and employee benefits | $1,354,000 | 4,700 |
| Premises and equipment expense | $322,000 | 5,333 |
| Additional noninterest expense | $839,000 | 5,053 |
| Pre-tax net operating income | $1,077,000 | 5,683 |
| Securities gains (losses) | $-63,000 | 11,298 |
| Applicable income taxes | $350,000 | 5,442 |
| Income before extraordinary items | $664,000 | 6,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $664,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 11,120 |
| Cash dividends | $80,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $704,950 | 5,947 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,728,000 | 7,027 |
| Total interest expense | $1,371,000 | 7,305 |
| Net interest income | $2,357,000 | 6,742 |
| Provision for loan and lease losses | $112,000 | 4,309 |
| Total noninterest income | $672,000 | 4,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $415,000 | 3,332 |
| Total noninterest expense | $2,267,000 | 5,597 |
| Salaries and employee benefits | $1,136,000 | 5,502 |
| Premises and equipment expense | $375,000 | 4,835 |
| Additional noninterest expense | $756,000 | 5,963 |
| Pre-tax net operating income | $650,000 | 7,718 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $227,000 | 6,901 |
| Income before extraordinary items | $428,000 | 7,918 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $428,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $84,000 | 7,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $424,750 | 7,995 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 7,567 |
| Total interest expense | $1,198,000 | 8,256 |
| Net interest income | $2,279,000 | 6,970 |
| Provision for loan and lease losses | $112,000 | 5,474 |
| Total noninterest income | $416,000 | 6,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,953 |
| Total noninterest expense | $2,236,000 | 5,784 |
| Salaries and employee benefits | $1,077,000 | 5,752 |
| Premises and equipment expense | $372,000 | 4,997 |
| Additional noninterest expense | $784,000 | 6,021 |
| Pre-tax net operating income | $347,000 | 9,832 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $20,000 | 11,603 |
| Income before extraordinary items | $335,000 | 9,085 |
| Extraordinary gains, net | $54,000 | 2,110 |
| Net income | $390,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $118,000 | 6,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $326,540 | 8,913 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,826,000 | 7,732 |
| Total interest expense | $1,664,000 | 7,997 |
| Net interest income | $2,162,000 | 7,340 |
| Provision for loan and lease losses | $68,000 | 8,314 |
| Total noninterest income | $332,000 | 7,326 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,744 |
| Total noninterest expense | $2,151,000 | 6,030 |
| Salaries and employee benefits | $983,000 | 6,125 |
| Premises and equipment expense | $315,000 | 5,769 |
| Additional noninterest expense | $853,000 | 5,775 |
| Pre-tax net operating income | $275,000 | 10,373 |
| Securities gains (losses) | $66,000 | 3,674 |
| Applicable income taxes | $116,000 | 9,484 |
| Income before extraordinary items | $225,000 | 10,252 |
| Extraordinary gains, net | $116,000 | 671 |
| Net income | $341,000 | 8,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 4,214 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $181,440 | 10,517 |
* 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.