Home > First Service Bank > Income and Expense
First Service Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,980,000 | 1,346 |
| Total interest expense | $11,668,000 | 1,331 |
| Net interest income | $12,312,000 | 1,373 |
| Provision for loan and lease losses | $1,226,000 | 811 |
| Total noninterest income | $2,485,000 | 1,547 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,655,000 | 752 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $830,000 | 2,113 |
| Total noninterest expense | $9,677,000 | 1,358 |
| Salaries and employee benefits | $5,041,000 | 1,300 |
| Premises and equipment expense | $1,297,000 | 1,514 |
| Additional noninterest expense | $3,339,000 | 1,319 |
| Pre-tax net operating income | $3,894,000 | 1,870 |
| Securities gains (losses) | $221,000 | 873 |
| Applicable income taxes | $1,684,000 | 1,461 |
| Income before extraordinary items | $2,431,000 | 2,148 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,431,000 | 2,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,031,000 | 737 |
| Cash dividends | $520,000 | 3,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,289,560 | 2,198 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,647,000 | 1,448 |
| Total interest expense | $10,434,000 | 1,486 |
| Net interest income | $12,213,000 | 1,421 |
| Provision for loan and lease losses | $285,000 | 2,727 |
| Total noninterest income | $2,424,000 | 1,518 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,777,000 | 717 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $647,000 | 2,355 |
| Total noninterest expense | $9,548,000 | 1,374 |
| Salaries and employee benefits | $4,695,000 | 1,395 |
| Premises and equipment expense | $1,159,000 | 1,686 |
| Additional noninterest expense | $3,694,000 | 1,197 |
| Pre-tax net operating income | $4,804,000 | 1,606 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $1,610,000 | 1,604 |
| Income before extraordinary items | $3,208,000 | 1,678 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,208,000 | 1,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 1,277 |
| Cash dividends | $2,466,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,198,620 | 1,639 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,618,000 | 2,297 |
| Total interest expense | $6,029,000 | 2,538 |
| Net interest income | $8,589,000 | 2,084 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,440,000 | 2,369 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,073,000 | 1,243 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $367,000 | 3,581 |
| Total noninterest expense | $6,303,000 | 2,181 |
| Salaries and employee benefits | $3,147,000 | 2,120 |
| Premises and equipment expense | $696,000 | 2,812 |
| Additional noninterest expense | $2,460,000 | 2,037 |
| Pre-tax net operating income | $3,486,000 | 2,058 |
| Securities gains (losses) | $-48,000 | 11,022 |
| Applicable income taxes | $1,043,000 | 2,266 |
| Income before extraordinary items | $2,395,000 | 2,077 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,395,000 | 2,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,002 |
| Cash dividends | $401,000 | 3,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,428,600 | 1,998 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,069,000 | 2,554 |
| Total interest expense | $4,976,000 | 3,038 |
| Net interest income | $8,093,000 | 2,225 |
| Provision for loan and lease losses | $317,000 | 2,205 |
| Total noninterest income | $1,725,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $975,000 | 1,403 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $750,000 | 2,197 |
| Total noninterest expense | $6,069,000 | 2,242 |
| Salaries and employee benefits | $2,893,000 | 2,293 |
| Premises and equipment expense | $580,000 | 3,301 |
| Additional noninterest expense | $2,596,000 | 1,931 |
| Pre-tax net operating income | $3,432,000 | 2,140 |
| Securities gains (losses) | $123,000 | 863 |
| Applicable income taxes | $1,184,000 | 2,053 |
| Income before extraordinary items | $2,371,000 | 2,138 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,371,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $1,905,000 | 1,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,288,590 | 2,175 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,221,000 | 3,653 |
| Total interest expense | $2,779,000 | 4,240 |
| Net interest income | $5,442,000 | 3,295 |
| Provision for loan and lease losses | $123,000 | 4,008 |
| Total noninterest income | $917,000 | 3,311 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $725,000 | 1,860 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $192,000 | 5,402 |
| Total noninterest expense | $4,092,000 | 3,354 |
| Salaries and employee benefits | $2,100,000 | 3,136 |
| Premises and equipment expense | $429,000 | 4,328 |
| Additional noninterest expense | $1,563,000 | 3,186 |
| Pre-tax net operating income | $2,144,000 | 3,231 |
| Securities gains (losses) | $178,000 | 534 |
| Applicable income taxes | $721,000 | 3,025 |
| Income before extraordinary items | $1,601,000 | 3,010 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,601,000 | 3,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,964 |
| Cash dividends | $390,000 | 3,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,478,180 | 3,247 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,610,000 | 4,003 |
| Total interest expense | $2,279,000 | 5,217 |
| Net interest income | $5,331,000 | 3,363 |
| Provision for loan and lease losses | $163,000 | 4,438 |
| Total noninterest income | $918,000 | 3,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $678,000 | 2,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 5,118 |
| Total noninterest expense | $4,136,000 | 3,381 |
| Salaries and employee benefits | $1,977,000 | 3,322 |
| Premises and equipment expense | $417,000 | 4,563 |
| Additional noninterest expense | $1,742,000 | 3,061 |
| Pre-tax net operating income | $1,950,000 | 3,386 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $508,000 | 4,127 |
| Income before extraordinary items | $1,459,000 | 3,322 |
| Extraordinary gains, net | $69,000 | 1,921 |
| Net income | $1,528,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 2,445 |
| Cash dividends | $684,000 | 2,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,446,420 | 3,170 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,493,000 | 5,903 |
| Total interest expense | $1,938,000 | 7,249 |
| Net interest income | $3,555,000 | 4,940 |
| Provision for loan and lease losses | $209,000 | 5,111 |
| Total noninterest income | $446,000 | 6,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,323 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,990 |
| Total noninterest expense | $2,704,000 | 4,964 |
| Salaries and employee benefits | $1,085,000 | 5,641 |
| Premises and equipment expense | $238,000 | 7,007 |
| Additional noninterest expense | $1,381,000 | 3,838 |
| Pre-tax net operating income | $1,088,000 | 5,302 |
| Securities gains (losses) | $148,000 | 2,429 |
| Applicable income taxes | $493,000 | 4,049 |
| Income before extraordinary items | $743,000 | 5,666 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $743,000 | 5,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 4,417 |
| Cash dividends | $210,000 | 4,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $648,280 | 5,889 |
* 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.