Home > First State Bank, Colorado Springs > Income and Expense
First State Bank, Colorado Springs, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $181,000 | 8,772 |
| Total interest expense | $46,000 | 8,676 |
| Net interest income | $135,000 | 8,759 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $211,000 | 8,162 |
| Salaries and employee benefits | $126,000 | 8,026 |
| Premises and equipment expense | $39,000 | 7,313 |
| Additional noninterest expense | $46,000 | 8,499 |
| Pre-tax net operating income | $-48,000 | 8,718 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-48,000 | 8,751 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-48,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-48,000 | 8,715 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $819,000 | 8,742 |
| Total interest expense | $210,000 | 8,716 |
| Net interest income | $609,000 | 8,680 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $602,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $58,000 | 7,304 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $544,000 | 3,442 |
| Total noninterest expense | $1,103,000 | 7,668 |
| Salaries and employee benefits | $752,000 | 7,104 |
| Premises and equipment expense | $116,000 | 7,857 |
| Additional noninterest expense | $235,000 | 8,190 |
| Pre-tax net operating income | $48,000 | 8,391 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $8,000 | 7,101 |
| Income before extraordinary items | $40,000 | 8,495 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $40,000 | 8,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,981 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $40,000 | 8,399 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $630,000 | 8,802 |
| Total interest expense | $167,000 | 8,792 |
| Net interest income | $463,000 | 8,742 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $556,000 | 4,443 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $44,000 | 7,355 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $512,000 | 3,100 |
| Total noninterest expense | $889,000 | 7,492 |
| Salaries and employee benefits | $607,000 | 6,888 |
| Premises and equipment expense | $92,000 | 7,780 |
| Additional noninterest expense | $190,000 | 8,085 |
| Pre-tax net operating income | $85,000 | 8,310 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $20,000 | 6,799 |
| Income before extraordinary items | $65,000 | 8,438 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $65,000 | 8,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $65,000 | 8,322 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $422,000 | 8,846 |
| Total interest expense | $116,000 | 8,835 |
| Net interest income | $306,000 | 8,784 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $361,000 | 4,502 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $31,000 | 7,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $330,000 | 3,121 |
| Total noninterest expense | $611,000 | 7,438 |
| Salaries and employee benefits | $410,000 | 6,874 |
| Premises and equipment expense | $64,000 | 7,719 |
| Additional noninterest expense | $137,000 | 7,960 |
| Pre-tax net operating income | $26,000 | 8,519 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $14,000 | 6,809 |
| Income before extraordinary items | $12,000 | 8,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $12,000 | 8,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $12,000 | 8,578 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $218,000 | 8,879 |
| Total interest expense | $59,000 | 8,892 |
| Net interest income | $159,000 | 8,790 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $161,000 | 4,712 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $144,000 | 3,288 |
| Total noninterest expense | $283,000 | 7,649 |
| Salaries and employee benefits | $181,000 | 7,222 |
| Premises and equipment expense | $35,000 | 7,597 |
| Additional noninterest expense | $67,000 | 8,027 |
| Pre-tax net operating income | $22,000 | 8,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $22,000 | 8,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,762 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $22,000 | 8,331 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 8,859 |
| Total interest expense | $332,000 | 8,830 |
| Net interest income | $668,000 | 8,786 |
| Provision for loan and lease losses | $57,000 | 6,584 |
| Total noninterest income | $480,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $65,000 | 7,244 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $415,000 | 3,633 |
| Total noninterest expense | $933,000 | 8,078 |
| Salaries and employee benefits | $607,000 | 7,677 |
| Premises and equipment expense | $98,000 | 8,193 |
| Additional noninterest expense | $228,000 | 8,342 |
| Pre-tax net operating income | $158,000 | 8,087 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $14,000 | 7,185 |
| Income before extraordinary items | $144,000 | 8,117 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $144,000 | 8,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,834 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $144,000 | 8,007 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 8,831 |
| Total interest expense | $467,000 | 9,069 |
| Net interest income | $931,000 | 8,420 |
| Provision for loan and lease losses | $46,000 | 6,803 |
| Total noninterest income | $95,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $55,000 | 7,493 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $685,000 | 8,719 |
| Salaries and employee benefits | $444,000 | 8,426 |
| Premises and equipment expense | $74,000 | 8,724 |
| Additional noninterest expense | $167,000 | 8,929 |
| Pre-tax net operating income | $295,000 | 7,434 |
| Securities gains (losses) | $-3,000 | 9,140 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $292,000 | 7,194 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $292,000 | 7,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $130,000 | 5,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $295,000 | 7,050 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,042,000 | 9,365 |
| Total interest expense | $465,000 | 9,313 |
| Net interest income | $577,000 | 9,327 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $87,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 7,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $406,000 | 9,586 |
| Salaries and employee benefits | $228,000 | 9,546 |
| Premises and equipment expense | $54,000 | 9,291 |
| Additional noninterest expense | $124,000 | 9,459 |
| Pre-tax net operating income | $222,000 | 8,269 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $126,000 | 6,216 |
| Income before extraordinary items | $96,000 | 8,735 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $96,000 | 8,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $20,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $96,000 | 8,722 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $805,000 | 9,770 |
| Total interest expense | $328,000 | 9,763 |
| Net interest income | $477,000 | 9,722 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $108,000 | 8,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,915 |
| Total noninterest expense | $387,000 | 9,906 |
| Salaries and employee benefits | $207,000 | 9,890 |
| Premises and equipment expense | $57,000 | 9,499 |
| Additional noninterest expense | $123,000 | 9,760 |
| Pre-tax net operating income | $168,000 | 8,727 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $72,000 | 7,308 |
| Income before extraordinary items | $96,000 | 8,998 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $96,000 | 8,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $96,000 | 8,966 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 10,083 |
| Total interest expense | $290,000 | 10,076 |
| Net interest income | $434,000 | 10,032 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $119,000 | 8,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $377,000 | 10,112 |
| Salaries and employee benefits | $181,000 | 10,182 |
| Premises and equipment expense | $70,000 | 9,364 |
| Additional noninterest expense | $126,000 | 9,900 |
| Pre-tax net operating income | $152,000 | 9,163 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $51,000 | 8,309 |
| Income before extraordinary items | $101,000 | 9,341 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $101,000 | 9,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $101,000 | 9,272 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $650,000 | 10,613 |
| Total interest expense | $241,000 | 10,608 |
| Net interest income | $409,000 | 10,543 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $132,000 | 8,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $324,000 | 10,651 |
| Salaries and employee benefits | $157,000 | 10,706 |
| Premises and equipment expense | $63,000 | 9,881 |
| Additional noninterest expense | $104,000 | 10,507 |
| Pre-tax net operating income | $195,000 | 9,598 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $68,000 | 8,947 |
| Income before extraordinary items | $127,000 | 9,783 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $127,000 | 9,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,805 |
| Cash dividends | $90,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $127,000 | 9,740 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $521,000 | 11,247 |
| Total interest expense | $222,000 | 11,204 |
| Net interest income | $299,000 | 11,224 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $98,000 | 9,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $309,000 | 11,206 |
| Salaries and employee benefits | $148,000 | 11,243 |
| Premises and equipment expense | $61,000 | 10,325 |
| Additional noninterest expense | $100,000 | 11,088 |
| Pre-tax net operating income | $78,000 | 10,480 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $22,000 | 10,165 |
| Income before extraordinary items | $56,000 | 10,542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $56,000 | 10,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $56,000 | 10,492 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $356,000 | 11,853 |
| Total interest expense | $131,000 | 11,842 |
| Net interest income | $225,000 | 11,840 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $62,000 | 11,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 9,050 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,713 |
| Total noninterest expense | $224,000 | 11,849 |
| Salaries and employee benefits | $119,000 | 11,825 |
| Premises and equipment expense | $41,000 | 11,355 |
| Additional noninterest expense | $64,000 | 11,842 |
| Pre-tax net operating income | $63,000 | 11,259 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-28,000 | 11,582 |
| Income before extraordinary items | $91,000 | 11,004 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $91,000 | 11,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $91,000 | 10,981 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $236,000 | 12,546 |
| Total interest expense | $101,000 | 12,509 |
| Net interest income | $135,000 | 12,547 |
| Provision for loan and lease losses | $-71,000 | 12,071 |
| Total noninterest income | $157,000 | 9,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,976 |
| Total noninterest expense | $416,000 | 11,970 |
| Salaries and employee benefits | $173,000 | 12,236 |
| Premises and equipment expense | $68,000 | 11,037 |
| Additional noninterest expense | $175,000 | 11,469 |
| Pre-tax net operating income | $-53,000 | 12,169 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-46,000 | 12,103 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-46,000 | 12,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,160 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-53,000 | 12,131 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $262,000 | 13,196 |
| Total interest expense | $135,000 | 13,130 |
| Net interest income | $127,000 | 13,188 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $75,000 | 11,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $339,000 | 12,861 |
| Salaries and employee benefits | $168,000 | 12,869 |
| Premises and equipment expense | $20,000 | 13,077 |
| Additional noninterest expense | $151,000 | 12,412 |
| Pre-tax net operating income | $-145,000 | 12,642 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-145,000 | 12,705 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-145,000 | 12,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-145,000 | 12,617 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $402,000 | 13,773 |
| Total interest expense | $199,000 | 13,716 |
| Net interest income | $203,000 | 13,770 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $82,000 | 12,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $445,000 | 12,927 |
| Salaries and employee benefits | $144,000 | 13,589 |
| Premises and equipment expense | $42,000 | 12,992 |
| Additional noninterest expense | $259,000 | 11,418 |
| Pre-tax net operating income | $-240,000 | 13,129 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-232,000 | 13,213 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-232,000 | 13,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 6,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-240,000 | 13,099 |
* 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.