Home > First & Ocean National Bank > Income and Expense

First & Ocean National Bank, Income and Expense

2003-09-30 (YTD Data)Rank
Total interest income$10,099,0002,144
Total interest expense$2,845,0002,421
Net interest income$7,254,0002,032
Provision for loan and lease losses$225,0003,052
Total noninterest income$1,539,0002,311
Gross Fiduciary activities income$45,0001,041
Service charges on deposit accounts$629,0002,054
Trading account gains and fees$0153
Additional Noninterest Income$865,0002,248
Total noninterest expense$5,720,0002,075
Salaries and employee benefits$3,038,0002,101
Premises and equipment expense$1,189,0001,448
Additional noninterest expense$1,493,0002,408
Pre-tax net operating income$2,848,0002,127
Securities gains (losses)$59,0002,177
Applicable income taxes$1,068,0001,763
Income before extraordinary items$1,839,0002,508
Extraordinary gains, net$-87,0009,220
Net income$1,752,0002,617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,155
Cash dividends$1,421,0001,336
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,801,2402,438
2003-06-30 (YTD Data)Rank
Total interest income$6,684,0002,182
Total interest expense$1,936,0002,446
Net interest income$4,748,0002,062
Provision for loan and lease losses$150,0003,000
Total noninterest income$1,150,0002,123
Gross Fiduciary activities income$28,0001,065
Service charges on deposit accounts$425,0001,980
Trading account gains and fees$0150
Additional Noninterest Income$697,0001,977
Total noninterest expense$3,776,0002,090
Salaries and employee benefits$2,050,0002,074
Premises and equipment expense$780,0001,467
Additional noninterest expense$946,0002,496
Pre-tax net operating income$1,972,0002,066
Securities gains (losses)$03,782
Applicable income taxes$739,0001,735
Income before extraordinary items$1,233,0002,514
Extraordinary gains, net$-87,0009,256
Net income$1,146,0002,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0005,638
Cash dividends$916,0001,409
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,233,0002,364
2003-03-31 (YTD Data)Rank
Total interest income$3,406,0002,158
Total interest expense$947,0002,551
Net interest income$2,459,0001,993
Provision for loan and lease losses$75,0002,805
Total noninterest income$443,0002,503
Gross Fiduciary activities income$16,0001,055
Service charges on deposit accounts$212,0001,930
Trading account gains and fees$0134
Additional Noninterest Income$215,0002,596
Total noninterest expense$1,837,0002,133
Salaries and employee benefits$1,014,0002,081
Premises and equipment expense$383,0001,509
Additional noninterest expense$440,0002,622
Pre-tax net operating income$990,0002,063
Securities gains (losses)$02,891
Applicable income taxes$377,0001,716
Income before extraordinary items$613,0002,492
Extraordinary gains, net$-171,0009,304
Net income$442,0003,216
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,770
Cash dividends$3,0003,908
Sale, conversion, retirement of capital stock, net$0419
Net operating income$613,0002,354
2002-12-31 (YTD Data)Rank
Total interest income$14,271,0002,152
Total interest expense$4,567,0002,436
Net interest income$9,704,0001,993
Provision for loan and lease losses$380,0002,945
Total noninterest income$1,978,0002,149
Gross Fiduciary activities income$191,000845
Service charges on deposit accounts$869,0001,856
Trading account gains and fees$0153
Additional Noninterest Income$918,0002,297
Total noninterest expense$7,875,0001,911
Salaries and employee benefits$4,403,0001,828
Premises and equipment expense$1,556,0001,414
Additional noninterest expense$1,916,0002,409
Pre-tax net operating income$3,427,0002,250
Securities gains (losses)$163,0001,309
Applicable income taxes$1,291,0001,850
Income before extraordinary items$2,299,0002,515
Extraordinary gains, net$070
Net income$2,299,0002,515
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,321
Cash dividends$16,0006,257
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,194,6802,519
2001-12-31 (YTD Data)Rank
Total interest income$16,022,0002,155
Total interest expense$6,721,0002,383
Net interest income$9,301,0001,913
Provision for loan and lease losses$216,0003,954
Total noninterest income$1,937,0002,065
Gross Fiduciary activities income$218,000815
Service charges on deposit accounts$883,0001,716
Trading account gains and fees$0177
Additional Noninterest Income$836,0002,319
Total noninterest expense$7,337,0001,955
Salaries and employee benefits$3,947,0001,903
Premises and equipment expense$1,235,0001,752
Additional noninterest expense$2,155,0002,086
Pre-tax net operating income$3,685,0001,901
Securities gains (losses)$-185,0009,538
Applicable income taxes$1,256,0001,747
Income before extraordinary items$2,244,0002,295
Extraordinary gains, net$0105
Net income$2,244,0002,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0004,086
Cash dividends$453,0003,634
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,362,4002,128
2000-12-31 (YTD Data)Rank
Total interest income$16,160,0002,176
Total interest expense$7,420,0002,286
Net interest income$8,740,0002,028
Provision for loan and lease losses$368,0002,436
Total noninterest income$2,116,0001,790
Gross Fiduciary activities income$271,000742
Service charges on deposit accounts$762,0001,828
Trading account gains and fees$0180
Additional Noninterest Income$1,083,0001,767
Total noninterest expense$6,888,0002,009
Salaries and employee benefits$3,811,0001,887
Premises and equipment expense$1,183,0001,768
Additional noninterest expense$1,894,0002,278
Pre-tax net operating income$3,600,0002,024
Securities gains (losses)$01,956
Applicable income taxes$1,347,0001,652
Income before extraordinary items$2,253,0002,286
Extraordinary gains, net$038
Net income$2,253,0002,286
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,272
Cash dividends$48,0006,444
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,253,0002,298
1999-12-31 (YTD Data)Rank
Total interest income$13,656,0002,398
Total interest expense$5,698,0002,588
Net interest income$7,958,0002,207
Provision for loan and lease losses$180,0003,760
Total noninterest income$1,851,0001,963
Gross Fiduciary activities income$254,000810
Service charges on deposit accounts$725,0001,835
Trading account gains and fees$0173
Additional Noninterest Income$872,0002,041
Total noninterest expense$6,821,0002,000
Salaries and employee benefits$3,715,0001,878
Premises and equipment expense$1,041,0001,968
Additional noninterest expense$2,065,0002,112
Pre-tax net operating income$2,808,0002,541
Securities gains (losses)$106,000718
Applicable income taxes$1,071,0002,112
Income before extraordinary items$1,843,0002,759
Extraordinary gains, net$035
Net income$1,843,0002,760
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,020
Cash dividends$68,0006,429
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,775,1602,805
1998-12-31 (YTD Data)Rank
Total interest income$13,069,0002,493
Total interest expense$5,334,0002,821
Net interest income$7,735,0002,206
Provision for loan and lease losses$355,0002,290
Total noninterest income$1,618,0002,141
Gross Fiduciary activities income$189,000883
Service charges on deposit accounts$591,0002,182
Trading account gains and fees$0224
Additional Noninterest Income$838,0002,090
Total noninterest expense$6,362,0002,063
Salaries and employee benefits$3,668,0001,824
Premises and equipment expense$954,0002,044
Additional noninterest expense$1,740,0002,389
Pre-tax net operating income$2,636,0002,659
Securities gains (losses)$280,000766
Applicable income taxes$1,079,0002,170
Income before extraordinary items$1,837,0002,750
Extraordinary gains, net$032
Net income$1,837,0002,751
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$55,0004,762
Cash dividends$173,0005,604
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,657,8002,914
1997-12-31 (YTD Data)Rank
Total interest income$11,659,0002,813
Total interest expense$4,887,0003,043
Net interest income$6,772,0002,567
Provision for loan and lease losses$305,0002,540
Total noninterest income$1,051,0002,932
Gross Fiduciary activities income$102,0001,045
Service charges on deposit accounts$517,0002,542
Trading account gains and fees$0239
Additional Noninterest Income$432,0003,125
Total noninterest expense$5,779,0002,229
Salaries and employee benefits$3,271,0002,010
Premises and equipment expense$908,0002,160
Additional noninterest expense$1,600,0002,566
Pre-tax net operating income$1,739,0003,969
Securities gains (losses)$39,0001,491
Applicable income taxes$677,0003,325
Income before extraordinary items$1,101,0004,365
Extraordinary gains, net$044
Net income$1,101,0004,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$38,0005,573
Cash dividends$182,0005,591
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,076,0404,370
1996-12-31 (YTD Data)Rank
Total interest income$10,044,0003,264
Total interest expense$4,192,0003,555
Net interest income$5,852,0003,026
Provision for loan and lease losses$240,0003,003
Total noninterest income$980,0003,178
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$463,0002,907
Trading account gains and fees$0262
Additional Noninterest Income$517,0002,851
Total noninterest expense$4,829,0002,826
Salaries and employee benefits$2,728,0002,438
Premises and equipment expense$732,0002,672
Additional noninterest expense$1,369,0003,377
Pre-tax net operating income$1,763,0003,801
Securities gains (losses)$5,0002,986
Applicable income taxes$691,0003,210
Income before extraordinary items$1,077,0004,219
Extraordinary gains, net$053
Net income$1,077,0004,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$175,0002,887
Cash dividends$150,0005,964
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,073,8004,172
1995-12-31 (YTD Data)Rank
Total interest income$9,222,0003,541
Total interest expense$3,803,0003,850
Net interest income$5,419,0003,273
Provision for loan and lease losses$294,0002,335
Total noninterest income$965,0003,190
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$401,0003,362
Trading account gains and feesNANA
Additional Noninterest Income$564,0002,653
Total noninterest expense$4,347,0003,085
Salaries and employee benefits$2,207,0003,014
Premises and equipment expense$713,0002,760
Additional noninterest expense$1,427,0003,220
Pre-tax net operating income$1,743,0003,949
Securities gains (losses)$6,0002,714
Applicable income taxes$685,0003,293
Income before extraordinary items$1,064,0004,361
Extraordinary gains, net$065
Net income$1,064,0004,358
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$219,0002,365
Cash dividends$120,0006,469
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,060,1604,373
1994-12-31 (YTD Data)Rank
Total interest income$6,663,0004,421
Total interest expense$2,448,0004,733
Net interest income$4,215,0004,181
Provision for loan and lease losses$139,0003,781
Total noninterest income$858,0003,494
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$268,0004,776
Trading account gains and feesNANA
Additional Noninterest Income$590,0002,620
Total noninterest expense$3,514,0003,834
Salaries and employee benefits$1,744,0003,741
Premises and equipment expense$524,0003,656
Additional noninterest expense$1,246,0003,925
Pre-tax net operating income$1,420,0004,621
Securities gains (losses)$-53,00011,075
Applicable income taxes$533,0003,862
Income before extraordinary items$834,0005,193
Extraordinary gains, net$0249
Net income$834,0005,201
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,574
Cash dividends$100,0006,840
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$867,9205,101
1993-12-31 (YTD Data)Rank
Total interest income$5,754,0005,150
Total interest expense$2,122,0005,557
Net interest income$3,632,0004,796
Provision for loan and lease losses$155,0004,559
Total noninterest income$822,0003,902
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0005,363
Trading account gains and feesNANA
Additional Noninterest Income$589,0002,925
Total noninterest expense$3,168,0004,298
Salaries and employee benefits$1,426,0004,468
Premises and equipment expense$790,0002,585
Additional noninterest expense$952,0005,135
Pre-tax net operating income$1,131,0005,407
Securities gains (losses)$22,0004,534
Applicable income taxes$414,0004,887
Income before extraordinary items$739,0005,887
Extraordinary gains, net$-19,00012,447
Net income$720,0006,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0006,277
Cash dividends$90,0007,115
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$724,9205,699
1992-12-31 (YTD Data)Rank
Total interest income$5,837,0005,617
Total interest expense$2,742,0005,564
Net interest income$3,095,0005,584
Provision for loan and lease losses$179,0005,591
Total noninterest income$672,0004,549
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$202,0005,955
Trading account gains and feesNANA
Additional Noninterest Income$470,0003,314
Total noninterest expense$3,137,0004,340
Salaries and employee benefits$1,489,0004,259
Premises and equipment expense$676,0003,012
Additional noninterest expense$972,0005,170
Pre-tax net operating income$451,0008,794
Securities gains (losses)$180,0002,158
Applicable income taxes$223,0007,127
Income before extraordinary items$408,0008,132
Extraordinary gains, net$01,422
Net income$408,0008,259
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0005,577
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$291,0009,056

* 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.