Home > First State Bank of Fort Collins > Income and Expense
First State Bank of Fort Collins, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,028,000 | 4,425 |
| Total interest expense | $2,262,000 | 5,730 |
| Net interest income | $4,766,000 | 3,575 |
| Provision for loan and lease losses | $555,000 | 2,027 |
| Total noninterest income | $810,000 | 3,819 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $495,000 | 2,858 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $315,000 | 4,005 |
| Total noninterest expense | $3,502,000 | 3,822 |
| Salaries and employee benefits | $1,717,000 | 4,063 |
| Premises and equipment expense | $554,000 | 3,587 |
| Additional noninterest expense | $1,231,000 | 3,419 |
| Pre-tax net operating income | $1,519,000 | 3,824 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $499,000 | 3,332 |
| Income before extraordinary items | $1,020,000 | 4,227 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,020,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,649 |
| Cash dividends | $175,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,020,000 | 4,115 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,601,000 | 4,793 |
| Total interest expense | $2,226,000 | 5,944 |
| Net interest income | $4,375,000 | 3,897 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $737,000 | 3,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $310,000 | 3,845 |
| Total noninterest expense | $3,221,000 | 3,983 |
| Salaries and employee benefits | $1,589,000 | 4,168 |
| Premises and equipment expense | $493,000 | 3,830 |
| Additional noninterest expense | $1,139,000 | 3,605 |
| Pre-tax net operating income | $1,811,000 | 3,554 |
| Securities gains (losses) | $-66,000 | 9,294 |
| Applicable income taxes | $576,000 | 3,196 |
| Income before extraordinary items | $1,169,000 | 3,934 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,169,000 | 3,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,038 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,213,220 | 3,818 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,839,000 | 5,044 |
| Total interest expense | $2,101,000 | 5,805 |
| Net interest income | $3,738,000 | 4,424 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $664,000 | 4,140 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $401,000 | 3,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,331 |
| Total noninterest expense | $3,014,000 | 4,191 |
| Salaries and employee benefits | $1,510,000 | 4,312 |
| Premises and equipment expense | $453,000 | 4,097 |
| Additional noninterest expense | $1,051,000 | 3,856 |
| Pre-tax net operating income | $1,208,000 | 4,747 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $375,000 | 4,322 |
| Income before extraordinary items | $833,000 | 4,973 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $833,000 | 4,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,576 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $833,000 | 4,935 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,694,000 | 5,180 |
| Total interest expense | $2,118,000 | 5,979 |
| Net interest income | $3,576,000 | 4,501 |
| Provision for loan and lease losses | $425,000 | 1,959 |
| Total noninterest income | $499,000 | 4,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,708 |
| Total noninterest expense | $2,614,000 | 4,619 |
| Salaries and employee benefits | $1,237,000 | 4,960 |
| Premises and equipment expense | $347,000 | 4,913 |
| Additional noninterest expense | $1,030,000 | 3,866 |
| Pre-tax net operating income | $1,036,000 | 5,310 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $328,000 | 4,934 |
| Income before extraordinary items | $708,000 | 5,583 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $708,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,639 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $708,000 | 5,467 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 5,772 |
| Total interest expense | $1,680,000 | 6,925 |
| Net interest income | $3,366,000 | 4,866 |
| Provision for loan and lease losses | $310,000 | 2,517 |
| Total noninterest income | $473,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,285 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,044 |
| Total noninterest expense | $2,155,000 | 5,366 |
| Salaries and employee benefits | $1,003,000 | 5,854 |
| Premises and equipment expense | $219,000 | 6,510 |
| Additional noninterest expense | $933,000 | 4,172 |
| Pre-tax net operating income | $1,374,000 | 4,780 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $465,000 | 4,431 |
| Income before extraordinary items | $909,000 | 5,019 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $909,000 | 5,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,774 |
| Cash dividends | $10,000 | 7,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $909,000 | 4,962 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,659,000 | 6,236 |
| Total interest expense | $1,492,000 | 7,598 |
| Net interest income | $3,167,000 | 5,228 |
| Provision for loan and lease losses | $255,000 | 2,902 |
| Total noninterest income | $448,000 | 5,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,277 |
| Total noninterest expense | $1,831,000 | 6,318 |
| Salaries and employee benefits | $854,000 | 6,684 |
| Premises and equipment expense | $173,000 | 7,570 |
| Additional noninterest expense | $804,000 | 5,177 |
| Pre-tax net operating income | $1,529,000 | 4,273 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $524,000 | 4,002 |
| Income before extraordinary items | $1,005,000 | 4,490 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,005,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,511 |
| Cash dividends | $52,000 | 7,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,005,000 | 4,430 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,135,000 | 6,847 |
| Total interest expense | $1,263,000 | 8,395 |
| Net interest income | $2,872,000 | 5,701 |
| Provision for loan and lease losses | $370,000 | 1,967 |
| Total noninterest income | $447,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,078 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,016 |
| Total noninterest expense | $1,828,000 | 6,395 |
| Salaries and employee benefits | $769,000 | 7,275 |
| Premises and equipment expense | $156,000 | 8,119 |
| Additional noninterest expense | $903,000 | 4,751 |
| Pre-tax net operating income | $1,121,000 | 5,519 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $316,000 | 5,826 |
| Income before extraordinary items | $805,000 | 5,426 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $805,000 | 5,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,580 |
| Cash dividends | $27,000 | 8,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $805,000 | 5,398 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,214,000 | 7,740 |
| Total interest expense | $782,000 | 9,693 |
| Net interest income | $2,432,000 | 6,604 |
| Provision for loan and lease losses | $148,000 | 3,653 |
| Total noninterest income | $325,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,671,000 | 7,068 |
| Salaries and employee benefits | $703,000 | 7,859 |
| Premises and equipment expense | $140,000 | 8,820 |
| Additional noninterest expense | $828,000 | 5,544 |
| Pre-tax net operating income | $938,000 | 6,225 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $287,000 | 6,034 |
| Income before extraordinary items | $651,000 | 6,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $651,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,348 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $651,000 | 6,287 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,540,000 | 9,112 |
| Total interest expense | $601,000 | 11,142 |
| Net interest income | $1,939,000 | 7,867 |
| Provision for loan and lease losses | $177,000 | 4,239 |
| Total noninterest income | $300,000 | 7,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,182 |
| Total noninterest expense | $1,350,000 | 8,336 |
| Salaries and employee benefits | $626,000 | 8,595 |
| Premises and equipment expense | $119,000 | 9,813 |
| Additional noninterest expense | $605,000 | 7,281 |
| Pre-tax net operating income | $712,000 | 7,297 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $233,000 | 7,046 |
| Income before extraordinary items | $479,000 | 7,712 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $479,000 | 7,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $479,000 | 7,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,206,000 | 10,462 |
| Total interest expense | $721,000 | 11,701 |
| Net interest income | $1,485,000 | 9,321 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $287,000 | 7,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $1,323,000 | 8,582 |
| Salaries and employee benefits | $564,000 | 9,147 |
| Premises and equipment expense | $117,000 | 10,138 |
| Additional noninterest expense | $642,000 | 7,158 |
| Pre-tax net operating income | $344,000 | 9,749 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $111,000 | 9,628 |
| Income before extraordinary items | $233,000 | 10,134 |
| Extraordinary gains, net | $34,000 | 1,101 |
| Net income | $267,000 | 9,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 6,313 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $233,000 | 9,783 |
* 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.