Home > First Scotland Bank > Income and Expense
First Scotland Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 10,548 |
| Total interest expense | $593,000 | 10,634 |
| Net interest income | $999,000 | 10,396 |
| Provision for loan and lease losses | $275,000 | 2,418 |
| Total noninterest income | $405,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,800 |
| Total noninterest expense | $1,669,000 | 7,075 |
| Salaries and employee benefits | $675,000 | 8,071 |
| Premises and equipment expense | $265,000 | 6,269 |
| Additional noninterest expense | $729,000 | 6,138 |
| Pre-tax net operating income | $-540,000 | 12,395 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-543,000 | 12,363 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-543,000 | 12,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,251 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-540,000 | 12,373 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 10,512 |
| Total interest expense | $617,000 | 11,037 |
| Net interest income | $1,224,000 | 9,990 |
| Provision for loan and lease losses | $117,000 | 5,397 |
| Total noninterest income | $394,000 | 6,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $1,776,000 | 6,959 |
| Salaries and employee benefits | $737,000 | 7,732 |
| Premises and equipment expense | $287,000 | 6,076 |
| Additional noninterest expense | $752,000 | 6,226 |
| Pre-tax net operating income | $-275,000 | 12,754 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-275,000 | 12,811 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-275,000 | 12,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,692 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-275,000 | 12,738 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 10,278 |
| Total interest expense | $930,000 | 10,713 |
| Net interest income | $1,380,000 | 9,701 |
| Provision for loan and lease losses | $550,000 | 2,794 |
| Total noninterest income | $396,000 | 6,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $245,000 | 5,023 |
| Total noninterest expense | $1,254,000 | 8,828 |
| Salaries and employee benefits | $530,000 | 9,485 |
| Premises and equipment expense | $258,000 | 6,636 |
| Additional noninterest expense | $466,000 | 8,795 |
| Pre-tax net operating income | $-28,000 | 12,815 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-28,000 | 12,957 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-28,000 | 12,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 4,097 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-28,000 | 12,763 |
* 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.