Home > First & Ocean National Bank > Income and Expense
First & Ocean National Bank, Income and Expense
2003-09-30 (YTD Data) | Rank | |
Total interest income | $10,099,000 | 2,144 |
Total interest expense | $2,845,000 | 2,421 |
Net interest income | $7,254,000 | 2,032 |
Provision for loan and lease losses | $225,000 | 3,052 |
Total noninterest income | $1,539,000 | 2,311 |
Gross Fiduciary activities income | $45,000 | 1,041 |
Service charges on deposit accounts | $629,000 | 2,054 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $865,000 | 2,248 |
Total noninterest expense | $5,720,000 | 2,075 |
Salaries and employee benefits | $3,038,000 | 2,101 |
Premises and equipment expense | $1,189,000 | 1,448 |
Additional noninterest expense | $1,493,000 | 2,408 |
Pre-tax net operating income | $2,848,000 | 2,127 |
Securities gains (losses) | $59,000 | 2,177 |
Applicable income taxes | $1,068,000 | 1,763 |
Income before extraordinary items | $1,839,000 | 2,508 |
Extraordinary gains, net | $-87,000 | 9,220 |
Net income | $1,752,000 | 2,617 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $54,000 | 4,155 |
Cash dividends | $1,421,000 | 1,336 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $1,801,240 | 2,438 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $6,684,000 | 2,182 |
Total interest expense | $1,936,000 | 2,446 |
Net interest income | $4,748,000 | 2,062 |
Provision for loan and lease losses | $150,000 | 3,000 |
Total noninterest income | $1,150,000 | 2,123 |
Gross Fiduciary activities income | $28,000 | 1,065 |
Service charges on deposit accounts | $425,000 | 1,980 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $697,000 | 1,977 |
Total noninterest expense | $3,776,000 | 2,090 |
Salaries and employee benefits | $2,050,000 | 2,074 |
Premises and equipment expense | $780,000 | 1,467 |
Additional noninterest expense | $946,000 | 2,496 |
Pre-tax net operating income | $1,972,000 | 2,066 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $739,000 | 1,735 |
Income before extraordinary items | $1,233,000 | 2,514 |
Extraordinary gains, net | $-87,000 | 9,256 |
Net income | $1,146,000 | 2,678 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $6,000 | 5,638 |
Cash dividends | $916,000 | 1,409 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $1,233,000 | 2,364 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $3,406,000 | 2,158 |
Total interest expense | $947,000 | 2,551 |
Net interest income | $2,459,000 | 1,993 |
Provision for loan and lease losses | $75,000 | 2,805 |
Total noninterest income | $443,000 | 2,503 |
Gross Fiduciary activities income | $16,000 | 1,055 |
Service charges on deposit accounts | $212,000 | 1,930 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $215,000 | 2,596 |
Total noninterest expense | $1,837,000 | 2,133 |
Salaries and employee benefits | $1,014,000 | 2,081 |
Premises and equipment expense | $383,000 | 1,509 |
Additional noninterest expense | $440,000 | 2,622 |
Pre-tax net operating income | $990,000 | 2,063 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $377,000 | 1,716 |
Income before extraordinary items | $613,000 | 2,492 |
Extraordinary gains, net | $-171,000 | 9,304 |
Net income | $442,000 | 3,216 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-2,000 | 7,770 |
Cash dividends | $3,000 | 3,908 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $613,000 | 2,354 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $14,271,000 | 2,152 |
Total interest expense | $4,567,000 | 2,436 |
Net interest income | $9,704,000 | 1,993 |
Provision for loan and lease losses | $380,000 | 2,945 |
Total noninterest income | $1,978,000 | 2,149 |
Gross Fiduciary activities income | $191,000 | 845 |
Service charges on deposit accounts | $869,000 | 1,856 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $918,000 | 2,297 |
Total noninterest expense | $7,875,000 | 1,911 |
Salaries and employee benefits | $4,403,000 | 1,828 |
Premises and equipment expense | $1,556,000 | 1,414 |
Additional noninterest expense | $1,916,000 | 2,409 |
Pre-tax net operating income | $3,427,000 | 2,250 |
Securities gains (losses) | $163,000 | 1,309 |
Applicable income taxes | $1,291,000 | 1,850 |
Income before extraordinary items | $2,299,000 | 2,515 |
Extraordinary gains, net | $0 | 70 |
Net income | $2,299,000 | 2,515 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $20,000 | 6,321 |
Cash dividends | $16,000 | 6,257 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $2,194,680 | 2,519 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $16,022,000 | 2,155 |
Total interest expense | $6,721,000 | 2,383 |
Net interest income | $9,301,000 | 1,913 |
Provision for loan and lease losses | $216,000 | 3,954 |
Total noninterest income | $1,937,000 | 2,065 |
Gross Fiduciary activities income | $218,000 | 815 |
Service charges on deposit accounts | $883,000 | 1,716 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $836,000 | 2,319 |
Total noninterest expense | $7,337,000 | 1,955 |
Salaries and employee benefits | $3,947,000 | 1,903 |
Premises and equipment expense | $1,235,000 | 1,752 |
Additional noninterest expense | $2,155,000 | 2,086 |
Pre-tax net operating income | $3,685,000 | 1,901 |
Securities gains (losses) | $-185,000 | 9,538 |
Applicable income taxes | $1,256,000 | 1,747 |
Income before extraordinary items | $2,244,000 | 2,295 |
Extraordinary gains, net | $0 | 105 |
Net income | $2,244,000 | 2,299 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $98,000 | 4,086 |
Cash dividends | $453,000 | 3,634 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $2,362,400 | 2,128 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $16,160,000 | 2,176 |
Total interest expense | $7,420,000 | 2,286 |
Net interest income | $8,740,000 | 2,028 |
Provision for loan and lease losses | $368,000 | 2,436 |
Total noninterest income | $2,116,000 | 1,790 |
Gross Fiduciary activities income | $271,000 | 742 |
Service charges on deposit accounts | $762,000 | 1,828 |
Trading account gains and fees | $0 | 180 |
Additional Noninterest Income | $1,083,000 | 1,767 |
Total noninterest expense | $6,888,000 | 2,009 |
Salaries and employee benefits | $3,811,000 | 1,887 |
Premises and equipment expense | $1,183,000 | 1,768 |
Additional noninterest expense | $1,894,000 | 2,278 |
Pre-tax net operating income | $3,600,000 | 2,024 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $1,347,000 | 1,652 |
Income before extraordinary items | $2,253,000 | 2,286 |
Extraordinary gains, net | $0 | 38 |
Net income | $2,253,000 | 2,286 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $35,000 | 5,272 |
Cash dividends | $48,000 | 6,444 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $2,253,000 | 2,298 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $13,656,000 | 2,398 |
Total interest expense | $5,698,000 | 2,588 |
Net interest income | $7,958,000 | 2,207 |
Provision for loan and lease losses | $180,000 | 3,760 |
Total noninterest income | $1,851,000 | 1,963 |
Gross Fiduciary activities income | $254,000 | 810 |
Service charges on deposit accounts | $725,000 | 1,835 |
Trading account gains and fees | $0 | 173 |
Additional Noninterest Income | $872,000 | 2,041 |
Total noninterest expense | $6,821,000 | 2,000 |
Salaries and employee benefits | $3,715,000 | 1,878 |
Premises and equipment expense | $1,041,000 | 1,968 |
Additional noninterest expense | $2,065,000 | 2,112 |
Pre-tax net operating income | $2,808,000 | 2,541 |
Securities gains (losses) | $106,000 | 718 |
Applicable income taxes | $1,071,000 | 2,112 |
Income before extraordinary items | $1,843,000 | 2,759 |
Extraordinary gains, net | $0 | 35 |
Net income | $1,843,000 | 2,760 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $45,000 | 5,020 |
Cash dividends | $68,000 | 6,429 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $1,775,160 | 2,805 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $13,069,000 | 2,493 |
Total interest expense | $5,334,000 | 2,821 |
Net interest income | $7,735,000 | 2,206 |
Provision for loan and lease losses | $355,000 | 2,290 |
Total noninterest income | $1,618,000 | 2,141 |
Gross Fiduciary activities income | $189,000 | 883 |
Service charges on deposit accounts | $591,000 | 2,182 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $838,000 | 2,090 |
Total noninterest expense | $6,362,000 | 2,063 |
Salaries and employee benefits | $3,668,000 | 1,824 |
Premises and equipment expense | $954,000 | 2,044 |
Additional noninterest expense | $1,740,000 | 2,389 |
Pre-tax net operating income | $2,636,000 | 2,659 |
Securities gains (losses) | $280,000 | 766 |
Applicable income taxes | $1,079,000 | 2,170 |
Income before extraordinary items | $1,837,000 | 2,750 |
Extraordinary gains, net | $0 | 32 |
Net income | $1,837,000 | 2,751 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $55,000 | 4,762 |
Cash dividends | $173,000 | 5,604 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $1,657,800 | 2,914 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $11,659,000 | 2,813 |
Total interest expense | $4,887,000 | 3,043 |
Net interest income | $6,772,000 | 2,567 |
Provision for loan and lease losses | $305,000 | 2,540 |
Total noninterest income | $1,051,000 | 2,932 |
Gross Fiduciary activities income | $102,000 | 1,045 |
Service charges on deposit accounts | $517,000 | 2,542 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $432,000 | 3,125 |
Total noninterest expense | $5,779,000 | 2,229 |
Salaries and employee benefits | $3,271,000 | 2,010 |
Premises and equipment expense | $908,000 | 2,160 |
Additional noninterest expense | $1,600,000 | 2,566 |
Pre-tax net operating income | $1,739,000 | 3,969 |
Securities gains (losses) | $39,000 | 1,491 |
Applicable income taxes | $677,000 | 3,325 |
Income before extraordinary items | $1,101,000 | 4,365 |
Extraordinary gains, net | $0 | 44 |
Net income | $1,101,000 | 4,366 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $38,000 | 5,573 |
Cash dividends | $182,000 | 5,591 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $1,076,040 | 4,370 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $10,044,000 | 3,264 |
Total interest expense | $4,192,000 | 3,555 |
Net interest income | $5,852,000 | 3,026 |
Provision for loan and lease losses | $240,000 | 3,003 |
Total noninterest income | $980,000 | 3,178 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $463,000 | 2,907 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $517,000 | 2,851 |
Total noninterest expense | $4,829,000 | 2,826 |
Salaries and employee benefits | $2,728,000 | 2,438 |
Premises and equipment expense | $732,000 | 2,672 |
Additional noninterest expense | $1,369,000 | 3,377 |
Pre-tax net operating income | $1,763,000 | 3,801 |
Securities gains (losses) | $5,000 | 2,986 |
Applicable income taxes | $691,000 | 3,210 |
Income before extraordinary items | $1,077,000 | 4,219 |
Extraordinary gains, net | $0 | 53 |
Net income | $1,077,000 | 4,220 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $175,000 | 2,887 |
Cash dividends | $150,000 | 5,964 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $1,073,800 | 4,172 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $9,222,000 | 3,541 |
Total interest expense | $3,803,000 | 3,850 |
Net interest income | $5,419,000 | 3,273 |
Provision for loan and lease losses | $294,000 | 2,335 |
Total noninterest income | $965,000 | 3,190 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $401,000 | 3,362 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $564,000 | 2,653 |
Total noninterest expense | $4,347,000 | 3,085 |
Salaries and employee benefits | $2,207,000 | 3,014 |
Premises and equipment expense | $713,000 | 2,760 |
Additional noninterest expense | $1,427,000 | 3,220 |
Pre-tax net operating income | $1,743,000 | 3,949 |
Securities gains (losses) | $6,000 | 2,714 |
Applicable income taxes | $685,000 | 3,293 |
Income before extraordinary items | $1,064,000 | 4,361 |
Extraordinary gains, net | $0 | 65 |
Net income | $1,064,000 | 4,358 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $219,000 | 2,365 |
Cash dividends | $120,000 | 6,469 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $1,060,160 | 4,373 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $6,663,000 | 4,421 |
Total interest expense | $2,448,000 | 4,733 |
Net interest income | $4,215,000 | 4,181 |
Provision for loan and lease losses | $139,000 | 3,781 |
Total noninterest income | $858,000 | 3,494 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $268,000 | 4,776 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $590,000 | 2,620 |
Total noninterest expense | $3,514,000 | 3,834 |
Salaries and employee benefits | $1,744,000 | 3,741 |
Premises and equipment expense | $524,000 | 3,656 |
Additional noninterest expense | $1,246,000 | 3,925 |
Pre-tax net operating income | $1,420,000 | 4,621 |
Securities gains (losses) | $-53,000 | 11,075 |
Applicable income taxes | $533,000 | 3,862 |
Income before extraordinary items | $834,000 | 5,193 |
Extraordinary gains, net | $0 | 249 |
Net income | $834,000 | 5,201 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $39,000 | 5,574 |
Cash dividends | $100,000 | 6,840 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $867,920 | 5,101 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $5,754,000 | 5,150 |
Total interest expense | $2,122,000 | 5,557 |
Net interest income | $3,632,000 | 4,796 |
Provision for loan and lease losses | $155,000 | 4,559 |
Total noninterest income | $822,000 | 3,902 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $233,000 | 5,363 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $589,000 | 2,925 |
Total noninterest expense | $3,168,000 | 4,298 |
Salaries and employee benefits | $1,426,000 | 4,468 |
Premises and equipment expense | $790,000 | 2,585 |
Additional noninterest expense | $952,000 | 5,135 |
Pre-tax net operating income | $1,131,000 | 5,407 |
Securities gains (losses) | $22,000 | 4,534 |
Applicable income taxes | $414,000 | 4,887 |
Income before extraordinary items | $739,000 | 5,887 |
Extraordinary gains, net | $-19,000 | 12,447 |
Net income | $720,000 | 6,145 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $45,000 | 6,277 |
Cash dividends | $90,000 | 7,115 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $724,920 | 5,699 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $5,837,000 | 5,617 |
Total interest expense | $2,742,000 | 5,564 |
Net interest income | $3,095,000 | 5,584 |
Provision for loan and lease losses | $179,000 | 5,591 |
Total noninterest income | $672,000 | 4,549 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $202,000 | 5,955 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $470,000 | 3,314 |
Total noninterest expense | $3,137,000 | 4,340 |
Salaries and employee benefits | $1,489,000 | 4,259 |
Premises and equipment expense | $676,000 | 3,012 |
Additional noninterest expense | $972,000 | 5,170 |
Pre-tax net operating income | $451,000 | 8,794 |
Securities gains (losses) | $180,000 | 2,158 |
Applicable income taxes | $223,000 | 7,127 |
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 | $114,000 | 5,577 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $291,000 | 9,056 |
* 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.