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First County Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$1,928,0003,634
Total interest expense$754,0003,100
Net interest income$1,174,0003,893
Provision for loan and lease losses$12,0005,906
Total noninterest income$225,0003,881
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$48,0005,295
Trading account gains and fees$0134
Additional Noninterest Income$177,0002,931
Total noninterest expense$1,230,0003,074
Salaries and employee benefits$665,0003,089
Premises and equipment expense$185,0002,937
Additional noninterest expense$380,0002,983
Pre-tax net operating income$157,0006,379
Securities gains (losses)$37,0001,568
Applicable income taxes$65,0004,700
Income before extraordinary items$129,0006,386
Extraordinary gains, net$021
Net income$129,0006,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0004,268
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$104,5806,651
2002-12-31 (YTD Data)Rank
Total interest income$7,986,0003,652
Total interest expense$3,301,0003,262
Net interest income$4,685,0003,856
Provision for loan and lease losses$305,0003,377
Total noninterest income$860,0003,823
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$214,0005,052
Trading account gains and fees$0153
Additional Noninterest Income$646,0002,844
Total noninterest expense$4,702,0003,089
Salaries and employee benefits$2,554,0003,064
Premises and equipment expense$842,0002,560
Additional noninterest expense$1,306,0003,358
Pre-tax net operating income$538,0006,619
Securities gains (losses)$51,0002,387
Applicable income taxes$-207,0009,144
Income before extraordinary items$796,0005,227
Extraordinary gains, net$070
Net income$796,0005,226
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0006,685
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$745,0005,249
2001-12-31 (YTD Data)Rank
Total interest income$7,583,0004,195
Total interest expense$3,961,0003,827
Net interest income$3,622,0004,456
Provision for loan and lease losses$178,0004,433
Total noninterest income$528,0004,920
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$137,0005,988
Trading account gains and fees$0177
Additional Noninterest Income$391,0003,580
Total noninterest expense$3,778,0003,607
Salaries and employee benefits$2,031,0003,555
Premises and equipment expense$716,0002,892
Additional noninterest expense$1,031,0003,965
Pre-tax net operating income$194,0007,916
Securities gains (losses)$225,0001,098
Applicable income taxes$07,903
Income before extraordinary items$419,0006,466
Extraordinary gains, net$0105
Net income$419,0006,469
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,333
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$194,0007,666
2000-12-31 (YTD Data)Rank
Total interest income$6,591,0004,799
Total interest expense$3,132,0004,749
Net interest income$3,459,0004,641
Provision for loan and lease losses$269,0003,098
Total noninterest income$214,0007,121
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$109,0006,415
Trading account gains and feesNANA
Additional Noninterest Income$105,0006,317
Total noninterest expense$3,246,0003,959
Salaries and employee benefits$1,680,0003,985
Premises and equipment expense$703,0002,869
Additional noninterest expense$863,0004,489
Pre-tax net operating income$158,0008,561
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$158,0008,362
Extraordinary gains, net$038
Net income$158,0008,360
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0006,414
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$158,0008,362
1999-12-31 (YTD Data)Rank
Total interest income$3,903,0006,450
Total interest expense$1,565,0006,811
Net interest income$2,338,0006,041
Provision for loan and lease losses$245,0003,088
Total noninterest income$152,0008,074
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$80,0007,125
Trading account gains and feesNANA
Additional Noninterest Income$72,0007,365
Total noninterest expense$2,310,0005,141
Salaries and employee benefits$1,226,0005,086
Premises and equipment expense$412,0004,423
Additional noninterest expense$672,0005,402
Pre-tax net operating income$-65,0009,498
Securities gains (losses)$-7,0009,189
Applicable income taxes$08,765
Income before extraordinary items$-72,0009,546
Extraordinary gains, net$035
Net income$-72,0009,543
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-65,0009,509
1998-12-31 (YTD Data)Rank
Total interest income$2,265,0008,360
Total interest expense$953,0008,553
Net interest income$1,312,0008,089
Provision for loan and lease losses$105,0005,006
Total noninterest income$97,0009,070
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$36,0008,384
Trading account gains and feesNANA
Additional Noninterest Income$61,0007,768
Total noninterest expense$1,672,0006,279
Salaries and employee benefits$870,0006,353
Premises and equipment expense$287,0005,516
Additional noninterest expense$515,0006,333
Pre-tax net operating income$-368,00010,115
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-368,00010,166
Extraordinary gains, net$032
Net income$-368,00010,161
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$3,852,000288
Net operating income$-368,00010,137
1997-12-31 (YTD Data)Rank
Total interest income$1,133,00010,156
Total interest expense$457,00010,202
Net interest income$676,00010,002
Provision for loan and lease losses$184,0003,621
Total noninterest income$38,00010,463
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$11,0009,265
Trading account gains and feesNANA
Additional Noninterest Income$27,0009,482
Total noninterest expense$1,265,0007,462
Salaries and employee benefits$642,0007,652
Premises and equipment expense$212,0006,635
Additional noninterest expense$411,0007,258
Pre-tax net operating income$-735,00010,803
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-735,00010,817
Extraordinary gains, net$044
Net income$-735,00010,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$959,000466
Net operating income$-735,00010,803
1996-12-31 (YTD Data)Rank
Total interest income$53,00011,433
Total interest expense$4,00011,423
Net interest income$49,00011,426
Provision for loan and lease losses$1,0009,010
Total noninterest income$011,410
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$011,390
Total noninterest expense$587,00010,213
Salaries and employee benefits$376,0009,770
Premises and equipment expense$57,00010,437
Additional noninterest expense$154,00010,503
Pre-tax net operating income$-538,00011,252
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$-538,00011,279
Extraordinary gains, net$053
Net income$-538,00011,278
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$7,010,00087
Net operating income$-538,00011,252

* 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.