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First Financial Bank, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$3,681,0006,172
Total interest expense$52,0009,242
Net interest income$3,629,0004,653
Provision for loan and lease losses$08,089
Total noninterest income$09,294
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$09,201
Total noninterest expense$1,132,0007,636
Salaries and employee benefits$1,136,0005,686
Premises and equipment expense$09,317
Additional noninterest expense$-4,0009,366
Pre-tax net operating income$2,497,0002,882
Securities gains (losses)$04,537
Applicable income taxes$988,0002,228
Income before extraordinary items$1,509,0003,484
Extraordinary gains, net$070
Net income$1,509,0003,482
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$2,000,0001,296
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,509,0003,382
2001-12-31 (YTD Data)Rank
Total interest income$6,799,0004,529
Total interest expense$107,0009,461
Net interest income$6,692,0002,669
Provision for loan and lease losses$08,228
Total noninterest income$09,561
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$09,480
Total noninterest expense$960,0008,069
Salaries and employee benefits$931,0006,238
Premises and equipment expense$09,580
Additional noninterest expense$29,0009,598
Pre-tax net operating income$5,732,0001,291
Securities gains (losses)$04,612
Applicable income taxes$1,622,0001,395
Income before extraordinary items$4,110,0001,323
Extraordinary gains, net$0105
Net income$4,110,0001,324
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$2,300,0001,167
Sale, conversion, retirement of capital stock, net$0922
Net operating income$4,110,0001,269
2000-12-31 (YTD Data)Rank
Total interest income$8,091,0004,089
Total interest expense$159,0009,701
Net interest income$7,932,0002,249
Provision for loan and lease losses$08,337
Total noninterest income$09,851
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$0180
Additional Noninterest Income$09,820
Total noninterest expense$976,0008,091
Salaries and employee benefits$954,0006,114
Premises and equipment expense$09,865
Additional noninterest expense$22,0009,880
Pre-tax net operating income$6,956,0001,089
Securities gains (losses)$-409,0009,684
Applicable income taxes$1,885,0001,232
Income before extraordinary items$4,662,0001,130
Extraordinary gains, net$038
Net income$4,662,0001,130
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$4,900,000638
Sale, conversion, retirement of capital stock, net$0969
Net operating income$4,952,3901,077
1999-12-31 (YTD Data)Rank
Total interest income$10,905,0002,960
Total interest expense$134,00010,021
Net interest income$10,771,0001,615
Provision for loan and lease losses$08,503
Total noninterest income$010,180
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$0173
Additional Noninterest Income$010,153
Total noninterest expense$739,0008,921
Salaries and employee benefits$698,0007,247
Premises and equipment expense$010,185
Additional noninterest expense$41,00010,177
Pre-tax net operating income$10,038,000818
Securities gains (losses)$-67,0009,866
Applicable income taxes$2,982,000885
Income before extraordinary items$6,989,000822
Extraordinary gains, net$035
Net income$6,989,000822
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$4,100,000757
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$7,035,900803
1998-12-31 (YTD Data)Rank
Total interest income$13,225,0002,460
Total interest expense$126,00010,274
Net interest income$13,099,0001,298
Provision for loan and lease losses$08,652
Total noninterest income$010,416
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$010,383
Total noninterest expense$693,0009,120
Salaries and employee benefits$700,0007,186
Premises and equipment expense$010,432
Additional noninterest expense$-7,00010,464
Pre-tax net operating income$12,406,000659
Securities gains (losses)$04,449
Applicable income taxes$4,349,000641
Income before extraordinary items$8,057,000706
Extraordinary gains, net$032
Net income$8,057,000706
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$3,500,000860
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$8,057,000681
1997-12-31 (YTD Data)Rank
Total interest income$12,892,0002,549
Total interest expense$125,00010,755
Net interest income$12,767,0001,362
Provision for loan and lease losses$08,829
Total noninterest income$461,0005,254
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$461,0002,990
Total noninterest expense$2,129,0005,413
Salaries and employee benefits$1,324,0004,715
Premises and equipment expense$010,895
Additional noninterest expense$805,0004,704
Pre-tax net operating income$11,099,000743
Securities gains (losses)$-1,0009,009
Applicable income taxes$3,994,000722
Income before extraordinary items$7,104,000791
Extraordinary gains, net$044
Net income$7,104,000793
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$1,900,0001,371
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$7,104,640770
1996-12-31 (YTD Data)Rank
Total interest income$10,221,0003,214
Total interest expense$140,00011,297
Net interest income$10,081,0001,758
Provision for loan and lease losses$09,041
Total noninterest income$011,410
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$09,915
Trading account gains and fees$0262
Additional Noninterest Income$011,390
Total noninterest expense$3,732,0003,557
Salaries and employee benefits$2,907,0002,285
Premises and equipment expense$011,418
Additional noninterest expense$825,0005,091
Pre-tax net operating income$6,349,0001,155
Securities gains (losses)$04,148
Applicable income taxes$2,412,0001,039
Income before extraordinary items$3,937,0001,267
Extraordinary gains, net$053
Net income$3,937,0001,269
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$0953
Net operating income$3,937,0001,244
1995-12-31 (YTD Data)Rank
Total interest income$9,421,0003,473
Total interest expense$150,00011,811
Net interest income$9,271,0001,935
Provision for loan and lease losses$08,958
Total noninterest income$011,937
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$010,339
Trading account gains and fees$0522
Additional Noninterest Income$011,920
Total noninterest expense$3,190,0004,075
Salaries and employee benefits$2,567,0002,612
Premises and equipment expense$011,950
Additional noninterest expense$623,0006,384
Pre-tax net operating income$6,081,0001,253
Securities gains (losses)$03,831
Applicable income taxes$2,491,0001,052
Income before extraordinary items$3,590,0001,448
Extraordinary gains, net$065
Net income$3,590,0001,445
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,590,0001,420
1994-12-31 (YTD Data)Rank
Total interest income$5,241,0005,449
Total interest expense$99,00012,511
Net interest income$5,142,0003,466
Provision for loan and lease losses$09,146
Total noninterest income$012,550
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$010,872
Trading account gains and fees$0475
Additional Noninterest Income$012,536
Total noninterest expense$2,210,0005,713
Salaries and employee benefits$1,501,0004,277
Premises and equipment expense$012,581
Additional noninterest expense$709,0006,255
Pre-tax net operating income$2,932,0002,428
Securities gains (losses)$03,600
Applicable income taxes$1,192,0001,887
Income before extraordinary items$1,740,0002,779
Extraordinary gains, net$0249
Net income$1,740,0002,781
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,740,0002,795
1993-12-31 (YTD Data)Rank
Total interest income$2,026,00010,122
Total interest expense$41,00013,228
Net interest income$1,985,0007,722
Provision for loan and lease losses$010,371
Total noninterest income$013,225
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$011,351
Trading account gains and fees$0532
Additional Noninterest Income$013,212
Total noninterest expense$596,00011,679
Salaries and employee benefits$182,00012,759
Premises and equipment expense$013,260
Additional noninterest expense$414,0009,111
Pre-tax net operating income$1,389,0004,624
Securities gains (losses)$07,477
Applicable income taxes$560,0003,797
Income before extraordinary items$829,0005,408
Extraordinary gains, net$03,149
Net income$829,0005,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$829,0005,169

* 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.