Home > First National Bank of Colorado Springs > Income and Expense
First National Bank of Colorado Springs, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 5,677 |
| Total interest expense | $328,000 | 6,769 |
| Net interest income | $1,595,000 | 5,209 |
| Provision for loan and lease losses | $35,000 | 5,187 |
| Total noninterest income | $234,000 | 5,453 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $129,000 | 4,705 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $105,000 | 5,079 |
| Total noninterest expense | $1,298,000 | 5,143 |
| Salaries and employee benefits | $646,000 | 5,465 |
| Premises and equipment expense | $163,000 | 5,430 |
| Additional noninterest expense | $489,000 | 4,387 |
| Pre-tax net operating income | $496,000 | 5,326 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $192,000 | 3,855 |
| Income before extraordinary items | $314,000 | 5,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $314,000 | 5,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $349,000 | 2,678 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 328 |
| Net operating income | $307,600 | 5,901 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 5,803 |
| Total interest expense | $167,000 | 6,799 |
| Net interest income | $768,000 | 5,349 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $77,000 | 6,377 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $62,000 | 4,721 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $589,000 | 5,509 |
| Salaries and employee benefits | $327,000 | 5,446 |
| Premises and equipment expense | $85,000 | 5,341 |
| Additional noninterest expense | $177,000 | 5,481 |
| Pre-tax net operating income | $221,000 | 5,593 |
| Securities gains (losses) | $10,000 | 2,045 |
| Applicable income taxes | $85,000 | 4,041 |
| Income before extraordinary items | $146,000 | 6,075 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $146,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $60,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 239 |
| Net operating income | $139,600 | 6,078 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,604,000 | 5,958 |
| Total interest expense | $696,000 | 7,050 |
| Net interest income | $2,908,000 | 5,412 |
| Provision for loan and lease losses | $82,000 | 5,609 |
| Total noninterest income | $443,000 | 5,729 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $238,000 | 4,864 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $205,000 | 5,229 |
| Total noninterest expense | $2,303,000 | 5,518 |
| Salaries and employee benefits | $1,273,000 | 5,427 |
| Premises and equipment expense | $330,000 | 5,362 |
| Additional noninterest expense | $700,000 | 5,505 |
| Pre-tax net operating income | $966,000 | 5,262 |
| Securities gains (losses) | $52,000 | 2,478 |
| Applicable income taxes | $318,000 | 4,200 |
| Income before extraordinary items | $700,000 | 5,598 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $700,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,012 |
| Cash dividends | $115,000 | 5,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $664,120 | 5,552 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 5,985 |
| Total interest expense | $529,000 | 7,171 |
| Net interest income | $2,209,000 | 5,375 |
| Provision for loan and lease losses | $82,000 | 5,091 |
| Total noninterest income | $362,000 | 5,571 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $178,000 | 4,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 4,956 |
| Total noninterest expense | $1,761,000 | 5,418 |
| Salaries and employee benefits | $984,000 | 5,301 |
| Premises and equipment expense | $250,000 | 5,331 |
| Additional noninterest expense | $527,000 | 5,470 |
| Pre-tax net operating income | $728,000 | 5,412 |
| Securities gains (losses) | $52,000 | 2,281 |
| Applicable income taxes | $243,000 | 4,337 |
| Income before extraordinary items | $537,000 | 5,666 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $537,000 | 5,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $115,000 | 4,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $501,120 | 5,677 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 6,037 |
| Total interest expense | $359,000 | 7,266 |
| Net interest income | $1,459,000 | 5,413 |
| Provision for loan and lease losses | $82,000 | 4,272 |
| Total noninterest income | $245,000 | 5,519 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $114,000 | 4,956 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $131,000 | 4,832 |
| Total noninterest expense | $1,204,000 | 5,320 |
| Salaries and employee benefits | $678,000 | 5,199 |
| Premises and equipment expense | $170,000 | 5,234 |
| Additional noninterest expense | $356,000 | 5,420 |
| Pre-tax net operating income | $418,000 | 5,754 |
| Securities gains (losses) | $52,000 | 1,985 |
| Applicable income taxes | $137,000 | 4,645 |
| Income before extraordinary items | $333,000 | 5,858 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $333,000 | 5,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $95,000 | 4,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $296,080 | 5,926 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 6,012 |
| Total interest expense | $178,000 | 7,383 |
| Net interest income | $748,000 | 5,322 |
| Provision for loan and lease losses | $58,000 | 3,492 |
| Total noninterest income | $148,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $90,000 | 4,120 |
| Total noninterest expense | $640,000 | 5,121 |
| Salaries and employee benefits | $378,000 | 4,824 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $178,000 | 5,386 |
| Pre-tax net operating income | $198,000 | 5,865 |
| Securities gains (losses) | $40,000 | 1,513 |
| Applicable income taxes | $66,000 | 4,673 |
| Income before extraordinary items | $172,000 | 5,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $75,000 | 3,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $143,200 | 5,945 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 6,206 |
| Total interest expense | $967,000 | 7,025 |
| Net interest income | $2,670,000 | 5,689 |
| Provision for loan and lease losses | $226,000 | 4,095 |
| Total noninterest income | $523,000 | 5,095 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $84,000 | 6,861 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $439,000 | 3,520 |
| Total noninterest expense | $2,322,000 | 5,342 |
| Salaries and employee benefits | $1,377,000 | 5,001 |
| Premises and equipment expense | $275,000 | 5,831 |
| Additional noninterest expense | $670,000 | 5,549 |
| Pre-tax net operating income | $645,000 | 6,271 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $220,000 | 4,980 |
| Income before extraordinary items | $425,000 | 6,721 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $425,000 | 6,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $35,000 | 6,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $425,000 | 6,592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,937,000 | 6,405 |
| Total interest expense | $1,407,000 | 7,178 |
| Net interest income | $2,530,000 | 5,679 |
| Provision for loan and lease losses | $131,000 | 5,041 |
| Total noninterest income | $182,000 | 7,504 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $51,000 | 7,582 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $131,000 | 5,805 |
| Total noninterest expense | $2,058,000 | 5,626 |
| Salaries and employee benefits | $1,224,000 | 5,240 |
| Premises and equipment expense | $249,000 | 6,100 |
| Additional noninterest expense | $585,000 | 5,932 |
| Pre-tax net operating income | $523,000 | 6,466 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $148,000 | 5,473 |
| Income before extraordinary items | $375,000 | 6,710 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $375,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $125,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 526 |
| Net operating income | $375,000 | 6,579 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 7,795 |
| Total interest expense | $1,308,000 | 7,565 |
| Net interest income | $1,306,000 | 7,859 |
| Provision for loan and lease losses | $68,000 | 6,042 |
| Total noninterest income | $182,000 | 7,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 7,655 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,768 |
| Total noninterest expense | $1,180,000 | 7,549 |
| Salaries and employee benefits | $629,000 | 7,547 |
| Premises and equipment expense | $136,000 | 7,816 |
| Additional noninterest expense | $415,000 | 7,032 |
| Pre-tax net operating income | $240,000 | 8,184 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $82,000 | 6,764 |
| Income before extraordinary items | $158,000 | 8,362 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $158,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $60,000 | 6,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $158,000 | 8,362 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 9,463 |
| Total interest expense | $463,000 | 9,522 |
| Net interest income | $703,000 | 9,272 |
| Provision for loan and lease losses | $42,000 | 6,798 |
| Total noninterest income | $194,000 | 7,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,751 |
| Total noninterest expense | $801,000 | 8,728 |
| Salaries and employee benefits | $404,000 | 8,863 |
| Premises and equipment expense | $113,000 | 8,364 |
| Additional noninterest expense | $284,000 | 8,257 |
| Pre-tax net operating income | $54,000 | 9,222 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-18,000 | 9,709 |
| Income before extraordinary items | $72,000 | 9,128 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $72,000 | 9,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,850,000 | 376 |
| Net operating income | $72,000 | 9,096 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $826,000 | 10,000 |
| Total interest expense | $296,000 | 10,062 |
| Net interest income | $530,000 | 9,864 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $194,000 | 7,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 7,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,910 |
| Total noninterest expense | $745,000 | 8,957 |
| Salaries and employee benefits | $340,000 | 9,356 |
| Premises and equipment expense | $139,000 | 7,901 |
| Additional noninterest expense | $266,000 | 8,437 |
| Pre-tax net operating income | $-21,000 | 9,835 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-21,000 | 9,875 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-21,000 | 9,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-21,000 | 9,833 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $756,000 | 10,515 |
| Total interest expense | $266,000 | 10,574 |
| Net interest income | $490,000 | 10,395 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $146,000 | 8,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 8,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,074 |
| Total noninterest expense | $704,000 | 9,390 |
| Salaries and employee benefits | $300,000 | 9,951 |
| Premises and equipment expense | $110,000 | 8,728 |
| Additional noninterest expense | $294,000 | 8,379 |
| Pre-tax net operating income | $-68,000 | 10,459 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-3,000 | 10,492 |
| Income before extraordinary items | $-65,000 | 10,482 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-65,000 | 10,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 810 |
| Net operating income | $-65,000 | 10,447 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $784,000 | 11,034 |
| Total interest expense | $253,000 | 11,161 |
| Net interest income | $531,000 | 10,822 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $110,000 | 9,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 8,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $584,000 | 10,234 |
| Salaries and employee benefits | $280,000 | 10,504 |
| Premises and equipment expense | $69,000 | 10,108 |
| Additional noninterest expense | $235,000 | 9,561 |
| Pre-tax net operating income | $57,000 | 10,568 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $57,000 | 10,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $57,000 | 10,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $57,000 | 10,487 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $251,000 | 11,902 |
| Total interest expense | $71,000 | 11,888 |
| Net interest income | $180,000 | 11,883 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $37,000 | 11,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $218,000 | 11,855 |
| Salaries and employee benefits | $84,000 | 11,900 |
| Premises and equipment expense | $25,000 | 11,720 |
| Additional noninterest expense | $109,000 | 11,530 |
| Pre-tax net operating income | $-26,000 | 11,540 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-26,000 | 11,544 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-26,000 | 11,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 10,995 |
| Cash dividends | $10,000 | 8,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-26,000 | 11,521 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 12,195 |
| Total interest expense | $228,000 | 12,260 |
| Net interest income | $479,000 | 12,066 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $257,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,306 |
| Total noninterest expense | $560,000 | 11,317 |
| Salaries and employee benefits | $256,000 | 11,613 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $244,000 | 10,595 |
| Pre-tax net operating income | $140,000 | 11,345 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-60,000 | 12,235 |
| Income before extraordinary items | $200,000 | 10,275 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $200,000 | 10,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,836 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $200,000 | 10,327 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 12,873 |
| Total interest expense | $242,000 | 12,862 |
| Net interest income | $413,000 | 12,782 |
| Provision for loan and lease losses | $137,000 | 4,886 |
| Total noninterest income | $237,000 | 8,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 9,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 6,183 |
| Total noninterest expense | $605,000 | 11,629 |
| Salaries and employee benefits | $284,000 | 11,829 |
| Premises and equipment expense | $62,000 | 11,775 |
| Additional noninterest expense | $259,000 | 10,962 |
| Pre-tax net operating income | $-92,000 | 12,580 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-86,000 | 12,648 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-86,000 | 12,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,656 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-92,000 | 12,553 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $816,000 | 13,330 |
| Total interest expense | $314,000 | 13,440 |
| Net interest income | $502,000 | 13,073 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $774,000 | 11,133 |
| Salaries and employee benefits | $292,000 | 12,098 |
| Premises and equipment expense | $96,000 | 10,873 |
| Additional noninterest expense | $386,000 | 9,740 |
| Pre-tax net operating income | $-153,000 | 13,020 |
| Securities gains (losses) | $34,000 | 4,785 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-119,000 | 13,088 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-119,000 | 13,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-153,000 | 12,987 |
* 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.