Home > First Community Bank > Income and Expense

First Community Bank, Income and Expense

2005-06-30 (YTD Data)		Rank
Total interest income	$15,600,000	997
Total interest expense	$4,654,000	1,072
Net interest income	$10,946,000	953
Provision for loan and lease losses	$1,200,000	413
Total noninterest income	$2,676,000	1,025
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$1,781,000	466
Trading account gains and fees	$0	116
Additional Noninterest Income	$895,000	1,454
Total noninterest expense	$10,297,000	812
Salaries and employee benefits	$5,293,000	845
Premises and equipment expense	$1,870,000	648
Additional noninterest expense	$3,134,000	813
Pre-tax net operating income	$2,125,000	2,086
Securities gains (losses)	$0	2,146
Applicable income taxes	$311,000	3,041
Income before extraordinary items	$1,814,000	1,884
Extraordinary gains, net	$0	30
Net income	$1,814,000	1,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$759,000	448
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,814,000	1,846
2005-03-31 (YTD Data)		Rank
Total interest income	$7,620,000	1,004
Total interest expense	$2,140,000	1,092
Net interest income	$5,480,000	946
Provision for loan and lease losses	$600,000	397
Total noninterest income	$1,524,000	890
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$886,000	445
Trading account gains and fees	$0	115
Additional Noninterest Income	$638,000	1,121
Total noninterest expense	$5,125,000	812
Salaries and employee benefits	$2,669,000	830
Premises and equipment expense	$961,000	617
Additional noninterest expense	$1,495,000	836
Pre-tax net operating income	$1,279,000	1,779
Securities gains (losses)	$0	1,685
Applicable income taxes	$177,000	2,793
Income before extraordinary items	$1,102,000	1,528
Extraordinary gains, net	$0	24
Net income	$1,102,000	1,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$448,000	376
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,102,000	1,506
2004-12-31 (YTD Data)		Rank
Total interest income	$28,463,000	993
Total interest expense	$6,556,000	1,252
Net interest income	$21,907,000	898
Provision for loan and lease losses	$1,975,000	555
Total noninterest income	$4,923,000	1,089
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$4,159,000	425
Trading account gains and fees	$0	138
Additional Noninterest Income	$764,000	2,573
Total noninterest expense	$21,554,000	759
Salaries and employee benefits	$10,325,000	831
Premises and equipment expense	$3,907,000	585
Additional noninterest expense	$7,322,000	711
Pre-tax net operating income	$3,301,000	2,385
Securities gains (losses)	$113,000	1,163
Applicable income taxes	$787,000	2,560
Income before extraordinary items	$2,627,000	2,322
Extraordinary gains, net	$0	34
Net income	$2,627,000	2,324
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,629,000	542
Cash dividends	$1,710,000	1,559
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,539,990	2,339
2004-09-30 (YTD Data)		Rank
Total interest income	$20,956,000	998
Total interest expense	$4,740,000	1,274
Net interest income	$16,216,000	908
Provision for loan and lease losses	$1,325,000	597
Total noninterest income	$3,769,000	1,081
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$3,166,000	422
Trading account gains and fees	$0	134
Additional Noninterest Income	$603,000	2,495
Total noninterest expense	$16,026,000	751
Salaries and employee benefits	$7,683,000	842
Premises and equipment expense	$2,913,000	588
Additional noninterest expense	$5,430,000	709
Pre-tax net operating income	$2,634,000	2,287
Securities gains (losses)	$64,000	1,472
Applicable income taxes	$638,000	2,462
Income before extraordinary items	$2,060,000	2,266
Extraordinary gains, net	$0	26
Net income	$2,060,000	2,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$919,000	609
Cash dividends	$710,000	2,176
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,011,360	2,255
2004-06-30 (YTD Data)		Rank
Total interest income	$13,551,000	1,014
Total interest expense	$3,068,000	1,289
Net interest income	$10,483,000	931
Provision for loan and lease losses	$875,000	580
Total noninterest income	$2,395,000	1,123
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$2,083,000	420
Trading account gains and fees	$0	130
Additional Noninterest Income	$312,000	2,923
Total noninterest expense	$10,509,000	766
Salaries and employee benefits	$4,961,000	861
Premises and equipment expense	$1,940,000	594
Additional noninterest expense	$3,608,000	708
Pre-tax net operating income	$1,494,000	2,598
Securities gains (losses)	$66,000	1,282
Applicable income taxes	$367,000	2,720
Income before extraordinary items	$1,193,000	2,540
Extraordinary gains, net	$0	21
Net income	$1,193,000	2,541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$574,000	630
Cash dividends	$710,000	1,677
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,142,840	2,561
2004-03-31 (YTD Data)		Rank
Total interest income	$6,104,000	1,140
Total interest expense	$1,392,000	1,440
Net interest income	$4,712,000	1,052
Provision for loan and lease losses	$475,000	541
Total noninterest income	$1,034,000	1,228
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$909,000	480
Trading account gains and fees	$0	121
Additional Noninterest Income	$125,000	3,263
Total noninterest expense	$4,688,000	878
Salaries and employee benefits	$2,196,000	982
Premises and equipment expense	$880,000	663
Additional noninterest expense	$1,612,000	766
Pre-tax net operating income	$583,000	3,149
Securities gains (losses)	$66,000	1,037
Applicable income taxes	$132,000	3,327
Income before extraordinary items	$517,000	2,861
Extraordinary gains, net	$0	16
Net income	$517,000	2,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$248,000	691
Cash dividends	$5,000	3,815
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$464,200	3,000
2003-12-31 (YTD Data)		Rank
Total interest income	$23,146,000	1,231
Total interest expense	$5,824,000	1,532
Net interest income	$17,322,000	1,117
Provision for loan and lease losses	$1,700,000	731
Total noninterest income	$4,225,000	1,292
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$3,671,000	464
Trading account gains and fees	$0	160
Additional Noninterest Income	$554,000	3,401
Total noninterest expense	$16,672,000	984
Salaries and employee benefits	$7,710,000	1,093
Premises and equipment expense	$2,729,000	823
Additional noninterest expense	$6,233,000	829
Pre-tax net operating income	$3,175,000	2,397
Securities gains (losses)	$249,000	1,179
Applicable income taxes	$761,000	2,626
Income before extraordinary items	$2,663,000	2,258
Extraordinary gains, net	$0	54
Net income	$2,663,000	2,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,786,000	602
Cash dividends	$638,000	3,105
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,468,780	2,293
2003-09-30 (YTD Data)		Rank
Total interest income	$17,219,000	1,268
Total interest expense	$4,450,000	1,565
Net interest income	$12,769,000	1,153
Provision for loan and lease losses	$1,350,000	696
Total noninterest income	$3,149,000	1,330
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$2,706,000	481
Trading account gains and fees	$0	153
Additional Noninterest Income	$443,000	3,352
Total noninterest expense	$12,236,000	1,012
Salaries and employee benefits	$5,759,000	1,103
Premises and equipment expense	$1,969,000	871
Additional noninterest expense	$4,508,000	861
Pre-tax net operating income	$2,332,000	2,528
Securities gains (losses)	$247,000	1,095
Applicable income taxes	$549,000	2,855
Income before extraordinary items	$2,030,000	2,298
Extraordinary gains, net	$0	40
Net income	$2,030,000	2,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,437,000	549
Cash dividends	$175,000	4,221
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,834,870	2,381
2003-06-30 (YTD Data)		Rank
Total interest income	$11,576,000	1,275
Total interest expense	$3,035,000	1,586
Net interest income	$8,541,000	1,149
Provision for loan and lease losses	$925,000	676
Total noninterest income	$2,074,000	1,332
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$1,765,000	490
Trading account gains and fees	$0	150
Additional Noninterest Income	$309,000	3,237
Total noninterest expense	$8,039,000	1,023
Salaries and employee benefits	$3,725,000	1,146
Premises and equipment expense	$1,231,000	929
Additional noninterest expense	$3,083,000	849
Pre-tax net operating income	$1,651,000	2,395
Securities gains (losses)	$247,000	925
Applicable income taxes	$418,000	2,611
Income before extraordinary items	$1,480,000	2,133
Extraordinary gains, net	$0	30
Net income	$1,480,000	2,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,069,000	504
Cash dividends	$175,000	3,672
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,287,340	2,284
2003-03-31 (YTD Data)		Rank
Total interest income	$5,713,000	1,290
Total interest expense	$1,576,000	1,566
Net interest income	$4,137,000	1,185
Provision for loan and lease losses	$475,000	644
Total noninterest income	$980,000	1,357
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$837,000	502
Trading account gains and fees	$0	134
Additional Noninterest Income	$143,000	3,308
Total noninterest expense	$3,629,000	1,107
Salaries and employee benefits	$1,770,000	1,205
Premises and equipment expense	$585,000	983
Additional noninterest expense	$1,274,000	966
Pre-tax net operating income	$1,013,000	2,016
Securities gains (losses)	$133,000	847
Applicable income taxes	$276,000	2,164
Income before extraordinary items	$870,000	1,820
Extraordinary gains, net	$0	21
Net income	$870,000	1,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$577,000	443
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$768,920	1,924
2002-12-31 (YTD Data)		Rank
Total interest income	$18,645,000	1,648
Total interest expense	$5,911,000	1,923
Net interest income	$12,734,000	1,522
Provision for loan and lease losses	$1,570,000	905
Total noninterest income	$2,964,000	1,578
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$2,291,000	702
Trading account gains and fees	$0	153
Additional Noninterest Income	$673,000	2,762
Total noninterest expense	$11,805,000	1,306
Salaries and employee benefits	$6,022,000	1,352
Premises and equipment expense	$1,802,000	1,227
Additional noninterest expense	$3,981,000	1,213
Pre-tax net operating income	$2,323,000	3,057
Securities gains (losses)	$213,000	1,115
Applicable income taxes	$669,000	2,931
Income before extraordinary items	$1,867,000	2,951
Extraordinary gains, net	$0	70
Net income	$1,867,000	2,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$983,000	986
Cash dividends	$4,960,000	639
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,709,380	3,058
2001-12-31 (YTD Data)		Rank
Total interest income	$18,386,000	1,866
Total interest expense	$7,639,000	2,107
Net interest income	$10,747,000	1,661
Provision for loan and lease losses	$1,600,000	852
Total noninterest income	$2,274,000	1,818
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$2,050,000	729
Trading account gains and fees	$0	177
Additional Noninterest Income	$224,000	4,704
Total noninterest expense	$10,257,000	1,432
Salaries and employee benefits	$5,126,000	1,476
Premises and equipment expense	$1,594,000	1,342
Additional noninterest expense	$3,537,000	1,320
Pre-tax net operating income	$1,164,000	4,495
Securities gains (losses)	$698,000	503
Applicable income taxes	$440,000	3,544
Income before extraordinary items	$1,422,000	3,356
Extraordinary gains, net	$0	105
Net income	$1,422,000	3,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$794,000	1,105
Cash dividends	$376,000	4,002
Sale, conversion, retirement of capital stock, net	$463,000	508
Net operating income	$891,520	4,486
2000-12-31 (YTD Data)		Rank
Total interest income	$15,838,000	2,211
Total interest expense	$7,193,000	2,349
Net interest income	$8,645,000	2,057
Provision for loan and lease losses	$1,121,000	971
Total noninterest income	$1,474,000	2,381
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,259,000	1,076
Trading account gains and fees	$0	180
Additional Noninterest Income	$215,000	4,635
Total noninterest expense	$8,089,000	1,722
Salaries and employee benefits	$4,062,000	1,770
Premises and equipment expense	$1,171,000	1,790
Additional noninterest expense	$2,856,000	1,567
Pre-tax net operating income	$909,000	5,515
Securities gains (losses)	$55,000	697
Applicable income taxes	$321,000	4,445
Income before extraordinary items	$643,000	5,655
Extraordinary gains, net	$0	38
Net income	$643,000	5,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$710,000	952
Cash dividends	$62,000	6,294
Sale, conversion, retirement of capital stock, net	$2,266,000	338
Net operating income	$606,150	5,825
1999-12-31 (YTD Data)		Rank
Total interest income	$10,574,000	3,052
Total interest expense	$4,365,000	3,337
Net interest income	$6,209,000	2,833
Provision for loan and lease losses	$900,000	1,061
Total noninterest income	$1,250,000	2,625
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$692,000	1,925
Trading account gains and fees	NA	NA
Additional Noninterest Income	$558,000	2,752
Total noninterest expense	$5,885,000	2,317
Salaries and employee benefits	$3,003,000	2,341
Premises and equipment expense	$841,000	2,400
Additional noninterest expense	$2,041,000	2,137
Pre-tax net operating income	$674,000	6,417
Securities gains (losses)	$0	3,155
Applicable income taxes	$229,000	5,413
Income before extraordinary items	$445,000	6,730
Extraordinary gains, net	$0	35
Net income	$445,000	6,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$466,000	1,281
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$5,984,000	202
Net operating income	$445,000	6,704
1998-12-31 (YTD Data)		Rank
Total interest income	$6,806,000	4,494
Total interest expense	$2,841,000	4,914
Net interest income	$3,965,000	4,148
Provision for loan and lease losses	$386,000	2,129
Total noninterest income	$608,000	4,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$449,000	2,821
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	5,516
Total noninterest expense	$3,462,000	3,648
Salaries and employee benefits	$1,801,000	3,665
Premises and equipment expense	$478,000	3,820
Additional noninterest expense	$1,183,000	3,414
Pre-tax net operating income	$725,000	6,392
Securities gains (losses)	$0	4,449
Applicable income taxes	$247,000	5,684
Income before extraordinary items	$478,000	6,738
Extraordinary gains, net	$0	32
Net income	$478,000	6,736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$206,000	2,392
Cash dividends	$35,000	7,072
Sale, conversion, retirement of capital stock, net	$1,069,000	454
Net operating income	$478,000	6,632
1997-12-31 (YTD Data)		Rank
Total interest income	$3,555,000	7,104
Total interest expense	$1,365,000	7,674
Net interest income	$2,190,000	6,552
Provision for loan and lease losses	$168,000	3,892
Total noninterest income	$450,000	5,328
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$303,000	4,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$147,000	5,750
Total noninterest expense	$2,109,000	5,446
Salaries and employee benefits	$1,019,000	5,786
Premises and equipment expense	$314,000	5,292
Additional noninterest expense	$776,000	4,836
Pre-tax net operating income	$363,000	8,654
Securities gains (losses)	$0	3,944
Applicable income taxes	$123,000	8,030
Income before extraordinary items	$240,000	8,832
Extraordinary gains, net	$0	44
Net income	$240,000	8,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,192
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$3,816,000	257
Net operating income	$240,000	8,798
1996-12-31 (YTD Data)		Rank
Total interest income	$1,681,000	9,837
Total interest expense	$487,000	10,635
Net interest income	$1,194,000	9,042
Provision for loan and lease losses	$74,000	5,750
Total noninterest income	$241,000	7,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	6,126
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,053
Total noninterest expense	$1,138,000	8,201
Salaries and employee benefits	$543,000	8,549
Premises and equipment expense	$150,000	8,057
Additional noninterest expense	$445,000	7,510
Pre-tax net operating income	$223,000	9,642
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$223,000	9,083
Extraordinary gains, net	$0	53
Net income	$223,000	9,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$223,000	9,020
1995-12-31 (YTD Data)		Rank
Total interest income	$271,000	11,895
Total interest expense	$64,000	11,893
Net interest income	$207,000	11,856
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$24,000	11,737
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	11,841
Total noninterest expense	$431,000	11,327
Salaries and employee benefits	$185,000	11,569
Premises and equipment expense	$63,000	10,685
Additional noninterest expense	$183,000	10,646
Pre-tax net operating income	$-230,000	11,689
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$-230,000	11,699
Extraordinary gains, net	$0	65
Net income	$-230,000	11,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$3,244,000	160
Net operating income	$-230,000	11,683

* 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.