Home > First Community Bank of the Desert > Income and Expense
First Community Bank of the Desert, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 3,367 |
| Total interest expense | $2,081,000 | 5,971 |
| Net interest income | $7,750,000 | 2,307 |
| Provision for loan and lease losses | $199,000 | 4,164 |
| Total noninterest income | $1,249,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $881,000 | 1,722 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $368,000 | 3,719 |
| Total noninterest expense | $5,371,000 | 2,635 |
| Salaries and employee benefits | $2,241,000 | 3,273 |
| Premises and equipment expense | $932,000 | 2,290 |
| Additional noninterest expense | $2,198,000 | 2,050 |
| Pre-tax net operating income | $3,429,000 | 2,006 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,439,000 | 1,547 |
| Income before extraordinary items | $1,990,000 | 2,552 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,990,000 | 2,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 3,083 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,990,000 | 2,464 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,744,000 | 3,204 |
| Total interest expense | $2,225,000 | 5,945 |
| Net interest income | $8,519,000 | 2,081 |
| Provision for loan and lease losses | $370,000 | 2,423 |
| Total noninterest income | $1,665,000 | 2,164 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $799,000 | 1,735 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $866,000 | 2,041 |
| Total noninterest expense | $7,167,000 | 1,945 |
| Salaries and employee benefits | $2,510,000 | 2,823 |
| Premises and equipment expense | $1,122,000 | 1,860 |
| Additional noninterest expense | $3,535,000 | 1,286 |
| Pre-tax net operating income | $2,647,000 | 2,638 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,191,000 | 1,835 |
| Income before extraordinary items | $1,456,000 | 3,333 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,456,000 | 3,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $436,000 | 1,376 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,456,000 | 3,320 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,424,000 | 3,405 |
| Total interest expense | $1,898,000 | 6,182 |
| Net interest income | $7,526,000 | 2,347 |
| Provision for loan and lease losses | $428,000 | 1,988 |
| Total noninterest income | $1,354,000 | 2,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $779,000 | 1,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $575,000 | 2,700 |
| Total noninterest expense | $6,283,000 | 2,169 |
| Salaries and employee benefits | $2,728,000 | 2,581 |
| Premises and equipment expense | $952,000 | 2,146 |
| Additional noninterest expense | $2,603,000 | 1,713 |
| Pre-tax net operating income | $2,169,000 | 3,133 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $964,000 | 2,281 |
| Income before extraordinary items | $1,205,000 | 3,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,205,000 | 3,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,020 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,205,000 | 3,830 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,944,000 | 3,960 |
| Total interest expense | $1,713,000 | 6,739 |
| Net interest income | $6,231,000 | 2,754 |
| Provision for loan and lease losses | $941,000 | 1,023 |
| Total noninterest income | $1,323,000 | 2,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $805,000 | 1,574 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $518,000 | 2,915 |
| Total noninterest expense | $5,163,000 | 2,518 |
| Salaries and employee benefits | $2,455,000 | 2,769 |
| Premises and equipment expense | $840,000 | 2,321 |
| Additional noninterest expense | $1,868,000 | 2,242 |
| Pre-tax net operating income | $1,450,000 | 4,290 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $378,000 | 4,567 |
| Income before extraordinary items | $1,072,000 | 4,266 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,072,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $511,000 | 1,232 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,017 |
| Net operating income | $1,072,000 | 4,170 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,825,000 | 5,183 |
| Total interest expense | $1,320,000 | 7,804 |
| Net interest income | $4,505,000 | 3,817 |
| Provision for loan and lease losses | $260,000 | 2,876 |
| Total noninterest income | $1,234,000 | 2,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $755,000 | 1,725 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $479,000 | 2,909 |
| Total noninterest expense | $4,254,000 | 3,002 |
| Salaries and employee benefits | $1,842,000 | 3,560 |
| Premises and equipment expense | $642,000 | 2,971 |
| Additional noninterest expense | $1,770,000 | 2,340 |
| Pre-tax net operating income | $1,225,000 | 5,171 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $498,000 | 4,222 |
| Income before extraordinary items | $727,000 | 5,778 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $727,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,921 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $727,000 | 5,730 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,490,000 | 6,410 |
| Total interest expense | $1,087,000 | 8,735 |
| Net interest income | $3,403,000 | 4,941 |
| Provision for loan and lease losses | $320,000 | 2,449 |
| Total noninterest income | $1,414,000 | 2,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $659,000 | 2,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $755,000 | 2,184 |
| Total noninterest expense | $4,065,000 | 3,303 |
| Salaries and employee benefits | $1,447,000 | 4,462 |
| Premises and equipment expense | $506,000 | 3,743 |
| Additional noninterest expense | $2,112,000 | 2,337 |
| Pre-tax net operating income | $432,000 | 8,318 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-479,000 | 11,351 |
| Income before extraordinary items | $911,000 | 4,836 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $911,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,272 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $911,000 | 4,772 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,690,000 | 7,320 |
| Total interest expense | $1,068,000 | 9,008 |
| Net interest income | $2,622,000 | 6,095 |
| Provision for loan and lease losses | $361,000 | 2,007 |
| Total noninterest income | $1,018,000 | 3,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $631,000 | 2,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,372 |
| Total noninterest expense | $4,480,000 | 2,999 |
| Salaries and employee benefits | $1,356,000 | 4,692 |
| Premises and equipment expense | $410,000 | 4,442 |
| Additional noninterest expense | $2,714,000 | 1,840 |
| Pre-tax net operating income | $-1,201,000 | 11,889 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-249,000 | 11,814 |
| Income before extraordinary items | $-952,000 | 11,860 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-952,000 | 11,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,938 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $4,331,000 | 114 |
| Net operating income | $-952,000 | 11,855 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,199,000 | 7,761 |
| Total interest expense | $938,000 | 8,955 |
| Net interest income | $2,261,000 | 6,947 |
| Provision for loan and lease losses | $548,000 | 1,435 |
| Total noninterest income | $1,231,000 | 2,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $603,000 | 2,574 |
| Total noninterest expense | $3,756,000 | 3,618 |
| Salaries and employee benefits | $1,315,000 | 4,823 |
| Premises and equipment expense | $493,000 | 3,854 |
| Additional noninterest expense | $1,948,000 | 2,633 |
| Pre-tax net operating income | $-812,000 | 12,431 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-812,000 | 12,406 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-812,000 | 12,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,561 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 579 |
| Net operating income | $-812,000 | 12,407 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,301,000 | 7,838 |
| Total interest expense | $1,206,000 | 8,224 |
| Net interest income | $2,095,000 | 7,431 |
| Provision for loan and lease losses | $175,000 | 4,260 |
| Total noninterest income | $1,384,000 | 2,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,182 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $756,000 | 2,470 |
| Total noninterest expense | $5,829,000 | 2,453 |
| Salaries and employee benefits | $1,345,000 | 4,733 |
| Premises and equipment expense | $589,000 | 3,390 |
| Additional noninterest expense | $3,895,000 | 1,556 |
| Pre-tax net operating income | $-2,525,000 | 13,115 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-256,000 | 13,068 |
| Income before extraordinary items | $-2,269,000 | 13,101 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-2,269,000 | 13,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 3,181 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,269,000 | 13,081 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 8,077 |
| Total interest expense | $1,586,000 | 8,251 |
| Net interest income | $1,989,000 | 7,796 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $1,305,000 | 2,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $587,000 | 2,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $718,000 | 2,484 |
| Total noninterest expense | $3,471,000 | 3,959 |
| Salaries and employee benefits | $1,437,000 | 4,389 |
| Premises and equipment expense | $488,000 | 4,051 |
| Additional noninterest expense | $1,546,000 | 3,506 |
| Pre-tax net operating income | $-267,000 | 13,148 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-249,000 | 13,688 |
| Income before extraordinary items | $-18,000 | 12,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-18,000 | 12,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 13,620 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-18,000 | 12,737 |
* 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.