Home > First National Bank of the Carolinas > Income and Expense
First National Bank of the Carolinas, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,057,000 | 5,561 |
| Total interest expense | $228,000 | 6,200 |
| Net interest income | $829,000 | 5,226 |
| Provision for loan and lease losses | $14,000 | 5,196 |
| Total noninterest income | $134,000 | 5,007 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $105,000 | 3,325 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,226 |
| Total noninterest expense | $542,000 | 5,821 |
| Salaries and employee benefits | $274,000 | 6,088 |
| Premises and equipment expense | $86,000 | 5,371 |
| Additional noninterest expense | $182,000 | 5,390 |
| Pre-tax net operating income | $407,000 | 4,228 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $151,000 | 3,085 |
| Income before extraordinary items | $256,000 | 4,804 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $256,000 | 4,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $256,000 | 4,765 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,008,000 | 5,550 |
| Total interest expense | $826,000 | 6,173 |
| Net interest income | $3,182,000 | 5,237 |
| Provision for loan and lease losses | $112,000 | 4,824 |
| Total noninterest income | $753,000 | 4,214 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $483,000 | 3,225 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $270,000 | 4,473 |
| Total noninterest expense | $2,441,000 | 5,387 |
| Salaries and employee benefits | $1,140,000 | 5,861 |
| Premises and equipment expense | $401,000 | 4,755 |
| Additional noninterest expense | $900,000 | 4,698 |
| Pre-tax net operating income | $1,382,000 | 4,465 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $407,000 | 3,699 |
| Income before extraordinary items | $975,000 | 4,772 |
| Extraordinary gains, net | $-398,000 | 8,965 |
| Net income | $577,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $10,009,000 | 101 |
| Net operating income | $975,000 | 4,699 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 5,588 |
| Total interest expense | $608,000 | 6,221 |
| Net interest income | $2,358,000 | 5,256 |
| Provision for loan and lease losses | $71,000 | 4,902 |
| Total noninterest income | $603,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $388,000 | 3,081 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,000 | 4,362 |
| Total noninterest expense | $1,950,000 | 5,117 |
| Salaries and employee benefits | $887,000 | 5,699 |
| Premises and equipment expense | $313,000 | 4,636 |
| Additional noninterest expense | $750,000 | 4,289 |
| Pre-tax net operating income | $940,000 | 4,753 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $244,000 | 4,127 |
| Income before extraordinary items | $696,000 | 4,969 |
| Extraordinary gains, net | $-398,000 | 9,017 |
| Net income | $298,000 | 6,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,395 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $10,075,000 | 75 |
| Net operating income | $696,000 | 4,882 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 5,601 |
| Total interest expense | $401,000 | 6,282 |
| Net interest income | $1,565,000 | 5,277 |
| Provision for loan and lease losses | $41,000 | 5,001 |
| Total noninterest income | $426,000 | 3,949 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $256,000 | 3,085 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $170,000 | 4,068 |
| Total noninterest expense | $1,329,000 | 5,057 |
| Salaries and employee benefits | $617,000 | 5,610 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $502,000 | 4,297 |
| Pre-tax net operating income | $621,000 | 4,743 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $131,000 | 4,470 |
| Income before extraordinary items | $490,000 | 4,792 |
| Extraordinary gains, net | $-398,000 | 9,072 |
| Net income | $92,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $10,075,000 | 49 |
| Net operating income | $490,000 | 4,697 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $980,000 | 5,643 |
| Total interest expense | $203,000 | 6,313 |
| Net interest income | $777,000 | 5,302 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $188,000 | 4,196 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $126,000 | 3,056 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $62,000 | 4,679 |
| Total noninterest expense | $767,000 | 4,608 |
| Salaries and employee benefits | $334,000 | 5,360 |
| Premises and equipment expense | $110,000 | 4,512 |
| Additional noninterest expense | $323,000 | 3,527 |
| Pre-tax net operating income | $198,000 | 5,843 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $74,000 | 4,258 |
| Income before extraordinary items | $124,000 | 6,441 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $124,000 | 6,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 397 |
| Net operating income | $124,000 | 6,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,098,000 | 5,552 |
| Total interest expense | $1,037,000 | 6,012 |
| Net interest income | $3,061,000 | 5,248 |
| Provision for loan and lease losses | $185,000 | 4,159 |
| Total noninterest income | $852,000 | 4,076 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $527,000 | 2,968 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $325,000 | 4,343 |
| Total noninterest expense | $2,828,000 | 4,797 |
| Salaries and employee benefits | $1,239,000 | 5,522 |
| Premises and equipment expense | $473,000 | 4,235 |
| Additional noninterest expense | $1,116,000 | 3,938 |
| Pre-tax net operating income | $900,000 | 5,426 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $325,000 | 4,156 |
| Income before extraordinary items | $575,000 | 6,036 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $575,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 814 |
| Net operating income | $575,000 | 5,877 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 5,627 |
| Total interest expense | $812,000 | 6,027 |
| Net interest income | $2,256,000 | 5,314 |
| Provision for loan and lease losses | $143,000 | 4,000 |
| Total noninterest income | $667,000 | 4,042 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $387,000 | 3,023 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $280,000 | 4,157 |
| Total noninterest expense | $2,040,000 | 4,912 |
| Salaries and employee benefits | $926,000 | 5,507 |
| Premises and equipment expense | $352,000 | 4,254 |
| Additional noninterest expense | $762,000 | 4,206 |
| Pre-tax net operating income | $740,000 | 5,364 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $265,000 | 4,156 |
| Income before extraordinary items | $475,000 | 5,976 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $475,000 | 5,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,514 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $475,000 | 5,812 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 5,611 |
| Total interest expense | $566,000 | 6,009 |
| Net interest income | $1,511,000 | 5,303 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $389,000 | 4,318 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $246,000 | 3,103 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $143,000 | 4,655 |
| Total noninterest expense | $1,321,000 | 4,998 |
| Salaries and employee benefits | $618,000 | 5,517 |
| Premises and equipment expense | $231,000 | 4,294 |
| Additional noninterest expense | $472,000 | 4,430 |
| Pre-tax net operating income | $489,000 | 5,361 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $176,000 | 4,215 |
| Income before extraordinary items | $313,000 | 6,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $313,000 | 5,804 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,044,000 | 5,626 |
| Total interest expense | $296,000 | 5,971 |
| Net interest income | $748,000 | 5,322 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $191,000 | 4,284 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 3,184 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $76,000 | 4,450 |
| Total noninterest expense | $664,000 | 4,991 |
| Salaries and employee benefits | $309,000 | 5,528 |
| Premises and equipment expense | $116,000 | 4,277 |
| Additional noninterest expense | $239,000 | 4,360 |
| Pre-tax net operating income | $230,000 | 5,498 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $83,000 | 4,283 |
| Income before extraordinary items | $147,000 | 6,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $147,000 | 6,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $147,000 | 5,876 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,880,000 | 6,002 |
| Total interest expense | $1,079,000 | 6,729 |
| Net interest income | $2,801,000 | 5,524 |
| Provision for loan and lease losses | $186,000 | 4,502 |
| Total noninterest income | $702,000 | 4,325 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $460,000 | 3,183 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $242,000 | 4,667 |
| Total noninterest expense | $2,490,000 | 5,100 |
| Salaries and employee benefits | $1,194,000 | 5,498 |
| Premises and equipment expense | $437,000 | 4,353 |
| Additional noninterest expense | $859,000 | 4,686 |
| Pre-tax net operating income | $827,000 | 5,682 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $295,000 | 4,472 |
| Income before extraordinary items | $532,000 | 6,250 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $532,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,440 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $532,000 | 6,103 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,698,000 | 6,587 |
| Total interest expense | $1,479,000 | 7,023 |
| Net interest income | $2,219,000 | 6,101 |
| Provision for loan and lease losses | $104,000 | 5,529 |
| Total noninterest income | $514,000 | 4,990 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $281,000 | 4,329 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $233,000 | 4,620 |
| Total noninterest expense | $2,240,000 | 5,320 |
| Salaries and employee benefits | $1,079,000 | 5,718 |
| Premises and equipment expense | $358,000 | 4,953 |
| Additional noninterest expense | $803,000 | 4,767 |
| Pre-tax net operating income | $389,000 | 7,031 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $140,000 | 5,550 |
| Income before extraordinary items | $249,000 | 7,441 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $249,000 | 7,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,057 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $249,000 | 7,324 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,485,000 | 6,948 |
| Total interest expense | $1,407,000 | 7,339 |
| Net interest income | $2,078,000 | 6,457 |
| Provision for loan and lease losses | $152,000 | 4,371 |
| Total noninterest income | $386,000 | 5,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,126 |
| Total noninterest expense | $1,870,000 | 5,921 |
| Salaries and employee benefits | $906,000 | 6,299 |
| Premises and equipment expense | $302,000 | 5,394 |
| Additional noninterest expense | $662,000 | 5,397 |
| Pre-tax net operating income | $442,000 | 7,267 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $158,000 | 5,830 |
| Income before extraordinary items | $284,000 | 7,570 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $284,000 | 7,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,357 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $284,000 | 7,578 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,660,000 | 7,734 |
| Total interest expense | $939,000 | 8,343 |
| Net interest income | $1,721,000 | 7,165 |
| Provision for loan and lease losses | $140,000 | 4,418 |
| Total noninterest income | $330,000 | 6,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,795 |
| Total noninterest expense | $1,649,000 | 6,411 |
| Salaries and employee benefits | $790,000 | 6,797 |
| Premises and equipment expense | $248,000 | 6,065 |
| Additional noninterest expense | $611,000 | 5,758 |
| Pre-tax net operating income | $262,000 | 8,283 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $89,000 | 7,090 |
| Income before extraordinary items | $173,000 | 8,483 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $173,000 | 8,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $173,000 | 8,447 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,067,000 | 8,602 |
| Total interest expense | $756,000 | 9,058 |
| Net interest income | $1,311,000 | 8,091 |
| Provision for loan and lease losses | $160,000 | 4,005 |
| Total noninterest income | $201,000 | 7,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,479 |
| Total noninterest expense | $1,218,000 | 7,495 |
| Salaries and employee benefits | $624,000 | 7,622 |
| Premises and equipment expense | $198,000 | 6,740 |
| Additional noninterest expense | $396,000 | 7,250 |
| Pre-tax net operating income | $134,000 | 9,260 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $4,000 | 9,224 |
| Income before extraordinary items | $130,000 | 9,114 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $130,000 | 9,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $130,000 | 9,040 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 10,006 |
| Total interest expense | $396,000 | 10,342 |
| Net interest income | $845,000 | 9,554 |
| Provision for loan and lease losses | $138,000 | 4,329 |
| Total noninterest income | $105,000 | 9,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,073,000 | 8,087 |
| Salaries and employee benefits | $593,000 | 7,962 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $304,000 | 8,278 |
| Pre-tax net operating income | $-261,000 | 10,606 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-73,000 | 10,667 |
| Income before extraordinary items | $-188,000 | 10,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-188,000 | 10,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-188,000 | 10,569 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $99,000 | 11,413 |
| Total interest expense | $27,000 | 11,390 |
| Net interest income | $72,000 | 11,412 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $4,000 | 11,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,358 |
| Total noninterest expense | $432,000 | 10,857 |
| Salaries and employee benefits | $254,000 | 10,692 |
| Premises and equipment expense | $41,000 | 10,885 |
| Additional noninterest expense | $137,000 | 10,717 |
| Pre-tax net operating income | $-378,000 | 11,186 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-48,000 | 11,070 |
| Income before extraordinary items | $-328,000 | 11,192 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-328,000 | 11,191 |
| 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 | $4,776,000 | 158 |
| Net operating income | $-328,000 | 11,167 |
* 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.