Home > First Community National Bank > Income and Expense

First Community National Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,823,000	8,398
Total interest expense	$675,000	8,672
Net interest income	$1,148,000	7,989
Provision for loan and lease losses	$48,000	6,745
Total noninterest income	$133,000	8,060
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$89,000	6,795
Trading account gains and fees	$0	177
Additional Noninterest Income	$44,000	7,857
Total noninterest expense	$1,045,000	7,838
Salaries and employee benefits	$421,000	8,538
Premises and equipment expense	$148,000	7,555
Additional noninterest expense	$476,000	6,620
Pre-tax net operating income	$188,000	7,938
Securities gains (losses)	$3,000	4,114
Applicable income taxes	$9,000	7,619
Income before extraordinary items	$182,000	7,846
Extraordinary gains, net	$0	105
Net income	$182,000	7,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,863
Cash dividends	$90,000	5,834
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$179,150	7,754
2000-12-31 (YTD Data)		Rank
Total interest income	$1,965,000	8,438
Total interest expense	$722,000	8,815
Net interest income	$1,243,000	7,983
Provision for loan and lease losses	$33,000	7,143
Total noninterest income	$162,000	7,723
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	6,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	6,893
Total noninterest expense	$1,001,000	8,015
Salaries and employee benefits	$580,000	7,806
Premises and equipment expense	$144,000	7,690
Additional noninterest expense	$277,000	8,136
Pre-tax net operating income	$371,000	7,598
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$19,000	7,866
Income before extraordinary items	$353,000	7,140
Extraordinary gains, net	$0	38
Net income	$353,000	7,138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,719
Cash dividends	$280,000	4,620
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$352,050	7,139
1999-12-31 (YTD Data)		Rank
Total interest income	$1,774,000	8,737
Total interest expense	$647,000	9,080
Net interest income	$1,127,000	8,346
Provision for loan and lease losses	$-50,000	10,055
Total noninterest income	$152,000	8,074
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,482
Total noninterest expense	$1,026,000	8,041
Salaries and employee benefits	$704,000	7,214
Premises and equipment expense	$119,000	8,257
Additional noninterest expense	$203,000	8,997
Pre-tax net operating income	$303,000	8,076
Securities gains (losses)	$0	3,155
Applicable income taxes	$100,000	6,919
Income before extraordinary items	$203,000	8,287
Extraordinary gains, net	$0	35
Net income	$203,000	8,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	9,511
Cash dividends	$330,000	4,324
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$203,000	8,253
1998-12-31 (YTD Data)		Rank
Total interest income	$1,743,000	8,998
Total interest expense	$623,000	9,415
Net interest income	$1,120,000	8,525
Provision for loan and lease losses	$-75,000	10,297
Total noninterest income	$154,000	8,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	7,073
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	7,637
Total noninterest expense	$771,000	8,868
Salaries and employee benefits	$482,000	8,476
Premises and equipment expense	$119,000	8,292
Additional noninterest expense	$170,000	9,462
Pre-tax net operating income	$578,000	7,029
Securities gains (losses)	$2,000	3,909
Applicable income taxes	$200,000	6,190
Income before extraordinary items	$380,000	7,342
Extraordinary gains, net	$0	32
Net income	$380,000	7,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-71,000	10,174
Cash dividends	$500,000	3,496
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$378,680	7,272
1997-12-31 (YTD Data)		Rank
Total interest income	$1,820,000	9,244
Total interest expense	$630,000	9,743
Net interest income	$1,190,000	8,699
Provision for loan and lease losses	$0	8,829
Total noninterest income	$133,000	8,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,557
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,480
Total noninterest expense	$804,000	9,020
Salaries and employee benefits	$470,000	8,817
Premises and equipment expense	$138,000	8,064
Additional noninterest expense	$196,000	9,455
Pre-tax net operating income	$519,000	7,817
Securities gains (losses)	$0	3,944
Applicable income taxes	$180,000	7,171
Income before extraordinary items	$339,000	8,084
Extraordinary gains, net	$0	44
Net income	$339,000	8,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$600,000	3,054
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$339,000	8,037
1996-12-31 (YTD Data)		Rank
Total interest income	$1,846,000	9,590
Total interest expense	$691,000	9,990
Net interest income	$1,155,000	9,139
Provision for loan and lease losses	$0	9,041
Total noninterest income	$133,000	9,312
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	7,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	9,071
Total noninterest expense	$760,000	9,588
Salaries and employee benefits	$438,000	9,341
Premises and equipment expense	$139,000	8,316
Additional noninterest expense	$183,000	10,130
Pre-tax net operating income	$528,000	7,783
Securities gains (losses)	$0	4,148
Applicable income taxes	$180,000	7,435
Income before extraordinary items	$348,000	8,019
Extraordinary gains, net	$0	53
Net income	$348,000	8,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	10,741
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$348,000	7,962
1995-12-31 (YTD Data)		Rank
Total interest income	$1,857,000	9,958
Total interest expense	$650,000	10,486
Net interest income	$1,207,000	9,309
Provision for loan and lease losses	$0	8,958
Total noninterest income	$150,000	9,317
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,310
Total noninterest expense	$860,000	9,506
Salaries and employee benefits	$448,000	9,547
Premises and equipment expense	$149,000	8,299
Additional noninterest expense	$263,000	9,685
Pre-tax net operating income	$497,000	8,453
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$171,000	7,907
Income before extraordinary items	$325,000	8,701
Extraordinary gains, net	$0	65
Net income	$325,000	8,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,914
Cash dividends	$250,000	4,947
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$325,660	8,667
1994-12-31 (YTD Data)		Rank
Total interest income	$1,718,000	10,325
Total interest expense	$544,000	10,886
Net interest income	$1,174,000	9,827
Provision for loan and lease losses	$0	9,146
Total noninterest income	$153,000	9,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	8,407
Total noninterest expense	$919,000	9,688
Salaries and employee benefits	$536,000	9,069
Premises and equipment expense	$132,000	9,037
Additional noninterest expense	$251,000	10,511
Pre-tax net operating income	$408,000	9,303
Securities gains (losses)	$0	3,600
Applicable income taxes	$142,000	8,466
Income before extraordinary items	$266,000	9,532
Extraordinary gains, net	$0	249
Net income	$266,000	9,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$220,000	5,230
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$266,000	9,586
1993-12-31 (YTD Data)		Rank
Total interest income	$1,834,000	10,522
Total interest expense	$657,000	10,839
Net interest income	$1,177,000	10,141
Provision for loan and lease losses	$0	10,371
Total noninterest income	$182,000	9,559
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	9,141
Trading account gains and fees	NA	NA
Additional Noninterest Income	$106,000	7,681
Total noninterest expense	$935,000	10,037
Salaries and employee benefits	$507,000	9,600
Premises and equipment expense	$147,000	8,987
Additional noninterest expense	$281,000	10,673
Pre-tax net operating income	$424,000	9,224
Securities gains (losses)	$0	7,477
Applicable income taxes	$91,000	9,959
Income before extraordinary items	$333,000	9,102
Extraordinary gains, net	$160,000	1,179
Net income	$493,000	7,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	11,292
Cash dividends	$120,000	6,522
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$333,000	8,847
1992-12-31 (YTD Data)		Rank
Total interest income	$2,092,000	10,713
Total interest expense	$981,000	10,479
Net interest income	$1,111,000	10,662
Provision for loan and lease losses	$12,000	11,000
Total noninterest income	$222,000	8,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	9,405
Trading account gains and fees	NA	NA
Additional Noninterest Income	$148,000	6,686
Total noninterest expense	$913,000	10,403
Salaries and employee benefits	$524,000	9,548
Premises and equipment expense	$140,000	9,399
Additional noninterest expense	$249,000	11,542
Pre-tax net operating income	$408,000	9,164
Securities gains (losses)	$57,000	3,915
Applicable income taxes	$118,000	9,428
Income before extraordinary items	$347,000	8,757
Extraordinary gains, net	$34,000	1,101
Net income	$381,000	8,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	13,448
Cash dividends	$990,000	1,594
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$304,250	8,886

* 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.