Home > First Independent Bank > Income and Expense
First Independent Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 4,607 |
| Total interest expense | $1,266,000 | 4,656 |
| Net interest income | $2,881,000 | 4,511 |
| Provision for loan and lease losses | $157,000 | 3,820 |
| Total noninterest income | $1,003,000 | 3,130 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $778,000 | 1,657 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $225,000 | 4,563 |
| Total noninterest expense | $2,530,000 | 4,227 |
| Salaries and employee benefits | $1,394,000 | 4,160 |
| Premises and equipment expense | $369,000 | 4,098 |
| Additional noninterest expense | $767,000 | 4,184 |
| Pre-tax net operating income | $1,197,000 | 4,078 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $417,000 | 3,339 |
| Income before extraordinary items | $780,000 | 4,671 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $780,000 | 4,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,572 |
| Cash dividends | $143,000 | 4,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $780,000 | 4,488 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 4,563 |
| Total interest expense | $864,000 | 4,696 |
| Net interest income | $1,970,000 | 4,440 |
| Provision for loan and lease losses | $149,000 | 3,161 |
| Total noninterest income | $675,000 | 3,090 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $520,000 | 1,625 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $155,000 | 4,517 |
| Total noninterest expense | $1,680,000 | 4,239 |
| Salaries and employee benefits | $928,000 | 4,155 |
| Premises and equipment expense | $245,000 | 4,111 |
| Additional noninterest expense | $507,000 | 4,201 |
| Pre-tax net operating income | $816,000 | 3,996 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $284,000 | 3,334 |
| Income before extraordinary items | $532,000 | 4,632 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $532,000 | 4,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,496 |
| Cash dividends | $56,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $532,000 | 4,420 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,436,000 | 4,539 |
| Total interest expense | $439,000 | 4,744 |
| Net interest income | $997,000 | 4,409 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $340,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $256,000 | 1,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $84,000 | 4,247 |
| Total noninterest expense | $831,000 | 4,252 |
| Salaries and employee benefits | $454,000 | 4,212 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $251,000 | 4,205 |
| Pre-tax net operating income | $495,000 | 3,519 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $175,000 | 2,918 |
| Income before extraordinary items | $320,000 | 4,065 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $320,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,613 |
| Cash dividends | $16,000 | 3,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $320,000 | 3,868 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,124,000 | 4,493 |
| Total interest expense | $2,174,000 | 4,544 |
| Net interest income | $3,950,000 | 4,389 |
| Provision for loan and lease losses | $553,000 | 2,211 |
| Total noninterest income | $1,194,000 | 3,086 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $880,000 | 1,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $314,000 | 4,159 |
| Total noninterest expense | $3,256,000 | 4,182 |
| Salaries and employee benefits | $1,810,000 | 4,070 |
| Premises and equipment expense | $506,000 | 3,907 |
| Additional noninterest expense | $940,000 | 4,390 |
| Pre-tax net operating income | $1,335,000 | 4,416 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $456,000 | 3,639 |
| Income before extraordinary items | $879,000 | 4,936 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $879,000 | 4,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $521,000 | 1,608 |
| Cash dividends | $16,000 | 6,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $879,000 | 4,807 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,040,000 | 4,418 |
| Total interest expense | $3,419,000 | 4,284 |
| Net interest income | $3,621,000 | 4,460 |
| Provision for loan and lease losses | $500,000 | 2,196 |
| Total noninterest income | $1,076,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $674,000 | 2,218 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $402,000 | 3,520 |
| Total noninterest expense | $3,026,000 | 4,307 |
| Salaries and employee benefits | $1,701,000 | 4,102 |
| Premises and equipment expense | $497,000 | 3,888 |
| Additional noninterest expense | $828,000 | 4,678 |
| Pre-tax net operating income | $1,171,000 | 4,482 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $364,000 | 3,914 |
| Income before extraordinary items | $809,000 | 4,840 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $809,000 | 4,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $567,000 | 1,426 |
| Cash dividends | $16,000 | 6,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $807,620 | 4,736 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,077,000 | 4,541 |
| Total interest expense | $3,207,000 | 4,679 |
| Net interest income | $3,870,000 | 4,295 |
| Provision for loan and lease losses | $330,000 | 2,665 |
| Total noninterest income | $864,000 | 3,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $664,000 | 2,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 4,803 |
| Total noninterest expense | $2,824,000 | 4,438 |
| Salaries and employee benefits | $1,584,000 | 4,174 |
| Premises and equipment expense | $486,000 | 3,877 |
| Additional noninterest expense | $754,000 | 4,921 |
| Pre-tax net operating income | $1,580,000 | 3,922 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $544,000 | 3,304 |
| Income before extraordinary items | $1,038,000 | 4,268 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,038,000 | 4,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,340 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,036,680 | 4,283 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,127,000 | 4,871 |
| Total interest expense | $2,604,000 | 5,075 |
| Net interest income | $3,523,000 | 4,638 |
| Provision for loan and lease losses | $335,000 | 2,438 |
| Total noninterest income | $775,000 | 3,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $561,000 | 2,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $2,704,000 | 4,585 |
| Salaries and employee benefits | $1,468,000 | 4,414 |
| Premises and equipment expense | $450,000 | 4,124 |
| Additional noninterest expense | $786,000 | 4,857 |
| Pre-tax net operating income | $1,259,000 | 4,623 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $423,000 | 4,012 |
| Income before extraordinary items | $838,000 | 4,945 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $838,000 | 4,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,299 |
| Cash dividends | $240,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $836,680 | 4,915 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,508,000 | 5,289 |
| Total interest expense | $2,401,000 | 5,516 |
| Net interest income | $3,107,000 | 5,008 |
| Provision for loan and lease losses | $285,000 | 2,735 |
| Total noninterest income | $690,000 | 4,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 4,781 |
| Total noninterest expense | $2,436,000 | 4,857 |
| Salaries and employee benefits | $1,363,000 | 4,591 |
| Premises and equipment expense | $397,000 | 4,444 |
| Additional noninterest expense | $676,000 | 5,301 |
| Pre-tax net operating income | $1,076,000 | 5,197 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $374,000 | 4,598 |
| Income before extraordinary items | $707,000 | 5,589 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $707,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,741 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $703,750 | 5,492 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,985,000 | 5,813 |
| Total interest expense | $2,130,000 | 6,025 |
| Net interest income | $2,855,000 | 5,506 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $666,000 | 4,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,821 |
| Total noninterest expense | $2,047,000 | 5,568 |
| Salaries and employee benefits | $1,147,000 | 5,285 |
| Premises and equipment expense | $306,000 | 5,401 |
| Additional noninterest expense | $594,000 | 5,849 |
| Pre-tax net operating income | $1,294,000 | 4,983 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $453,000 | 4,511 |
| Income before extraordinary items | $849,000 | 5,257 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $849,000 | 5,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 1,815 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $843,800 | 5,223 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,913,000 | 6,019 |
| Total interest expense | $2,242,000 | 5,962 |
| Net interest income | $2,671,000 | 5,927 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $560,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $478,000 | 2,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,682 |
| Total noninterest expense | $1,891,000 | 6,185 |
| Salaries and employee benefits | $1,071,000 | 5,702 |
| Premises and equipment expense | $284,000 | 5,786 |
| Additional noninterest expense | $536,000 | 6,795 |
| Pre-tax net operating income | $1,220,000 | 5,065 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $424,000 | 4,708 |
| Income before extraordinary items | $795,000 | 5,334 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $795,000 | 5,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $795,650 | 5,269 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,672,000 | 6,270 |
| Total interest expense | $2,127,000 | 6,213 |
| Net interest income | $2,545,000 | 6,233 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $476,000 | 5,361 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $1,666,000 | 6,810 |
| Salaries and employee benefits | $862,000 | 6,748 |
| Premises and equipment expense | $261,000 | 6,181 |
| Additional noninterest expense | $543,000 | 6,919 |
| Pre-tax net operating income | $1,205,000 | 5,232 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $436,000 | 4,637 |
| Income before extraordinary items | $767,000 | 5,611 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $767,000 | 5,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,529 |
| Cash dividends | $555,000 | 3,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $768,280 | 5,590 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,804,000 | 6,941 |
| Total interest expense | $1,610,000 | 6,580 |
| Net interest income | $2,194,000 | 7,106 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $459,000 | 5,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,851 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $1,597,000 | 7,314 |
| Salaries and employee benefits | $790,000 | 7,257 |
| Premises and equipment expense | $256,000 | 6,422 |
| Additional noninterest expense | $551,000 | 7,416 |
| Pre-tax net operating income | $856,000 | 6,604 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $311,000 | 5,743 |
| Income before extraordinary items | $555,000 | 6,867 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $555,000 | 6,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,680 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $548,600 | 6,977 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 7,821 |
| Total interest expense | $1,370,000 | 7,641 |
| Net interest income | $1,940,000 | 7,860 |
| Provision for loan and lease losses | $115,000 | 5,422 |
| Total noninterest income | $410,000 | 6,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,332 |
| Total noninterest expense | $1,491,000 | 7,870 |
| Salaries and employee benefits | $749,000 | 7,649 |
| Premises and equipment expense | $245,000 | 6,787 |
| Additional noninterest expense | $497,000 | 8,245 |
| Pre-tax net operating income | $744,000 | 7,123 |
| Securities gains (losses) | $34,000 | 3,940 |
| Applicable income taxes | $290,000 | 6,196 |
| Income before extraordinary items | $488,000 | 7,654 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $488,000 | 7,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $466,240 | 7,572 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 9,548 |
| Total interest expense | $1,192,000 | 9,632 |
| Net interest income | $1,500,000 | 9,279 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $382,000 | 6,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,441 |
| Total noninterest expense | $1,176,000 | 9,153 |
| Salaries and employee benefits | $602,000 | 8,788 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $379,000 | 9,826 |
| Pre-tax net operating income | $556,000 | 8,021 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $148,000 | 8,666 |
| Income before extraordinary items | $408,000 | 8,132 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $408,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 8,449 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $408,000 | 7,781 |
* 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.