Home > First Vantage Bank /Tri-Cities > Income and Expense
First Vantage Bank /Tri-Cities, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,343,000 | 3,319 |
| Total interest expense | $897,000 | 5,727 |
| Net interest income | $5,446,000 | 2,675 |
| Provision for loan and lease losses | $136,000 | 4,072 |
| Total noninterest income | $1,293,000 | 2,621 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $930,000 | 1,410 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $363,000 | 3,717 |
| Total noninterest expense | $5,694,000 | 2,088 |
| Salaries and employee benefits | $1,971,000 | 3,135 |
| Premises and equipment expense | $516,000 | 3,137 |
| Additional noninterest expense | $3,207,000 | 1,179 |
| Pre-tax net operating income | $909,000 | 4,806 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $329,000 | 3,760 |
| Income before extraordinary items | $587,000 | 5,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $587,000 | 5,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,129 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $582,520 | 5,282 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,818,000 | 866 |
| Total interest expense | $3,522,000 | 1,370 |
| Net interest income | $13,296,000 | 718 |
| Provision for loan and lease losses | $29,000 | 5,996 |
| Total noninterest income | $2,504,000 | 1,153 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,828,000 | 468 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $676,000 | 2,021 |
| Total noninterest expense | $10,996,000 | 750 |
| Salaries and employee benefits | $3,906,000 | 1,078 |
| Premises and equipment expense | $1,134,000 | 1,019 |
| Additional noninterest expense | $5,956,000 | 494 |
| Pre-tax net operating income | $4,775,000 | 923 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,675,000 | 903 |
| Income before extraordinary items | $3,100,000 | 1,079 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,100,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,364 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,100,000 | 996 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,461,000 | 871 |
| Total interest expense | $1,842,000 | 1,324 |
| Net interest income | $6,619,000 | 721 |
| Provision for loan and lease losses | $34,000 | 4,352 |
| Total noninterest income | $1,265,000 | 1,113 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $890,000 | 475 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $375,000 | 1,823 |
| Total noninterest expense | $5,486,000 | 750 |
| Salaries and employee benefits | $1,926,000 | 1,094 |
| Premises and equipment expense | $552,000 | 1,046 |
| Additional noninterest expense | $3,008,000 | 486 |
| Pre-tax net operating income | $2,364,000 | 941 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $828,000 | 934 |
| Income before extraordinary items | $1,536,000 | 1,079 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,536,000 | 1,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,406 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,536,000 | 1,005 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $39,676,000 | 763 |
| Total interest expense | $10,632,000 | 1,051 |
| Net interest income | $29,044,000 | 656 |
| Provision for loan and lease losses | $303,000 | 3,391 |
| Total noninterest income | $5,141,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,729,000 | 435 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,412,000 | 1,727 |
| Total noninterest expense | $22,133,000 | 731 |
| Salaries and employee benefits | $7,784,000 | 1,030 |
| Premises and equipment expense | $2,232,000 | 979 |
| Additional noninterest expense | $12,117,000 | 485 |
| Pre-tax net operating income | $11,749,000 | 747 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $4,115,000 | 713 |
| Income before extraordinary items | $7,634,000 | 831 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,634,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,831 |
| Cash dividends | $6,300,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,634,000 | 799 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $42,723,000 | 795 |
| Total interest expense | $17,387,000 | 939 |
| Net interest income | $25,336,000 | 693 |
| Provision for loan and lease losses | $632,000 | 1,817 |
| Total noninterest income | $5,117,000 | 977 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,809,000 | 394 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,308,000 | 1,702 |
| Total noninterest expense | $21,883,000 | 710 |
| Salaries and employee benefits | $8,111,000 | 927 |
| Premises and equipment expense | $2,195,000 | 953 |
| Additional noninterest expense | $11,577,000 | 513 |
| Pre-tax net operating income | $7,938,000 | 950 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $2,519,000 | 975 |
| Income before extraordinary items | $5,428,000 | 1,012 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,428,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 1,069 |
| Cash dividends | $25,997,000 | 200 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,421,880 | 973 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $44,425,000 | 795 |
| Total interest expense | $18,304,000 | 977 |
| Net interest income | $26,121,000 | 684 |
| Provision for loan and lease losses | $203,000 | 3,716 |
| Total noninterest income | $5,592,000 | 859 |
| Gross Fiduciary activities income | $2,000 | 1,298 |
| Service charges on deposit accounts | $3,772,000 | 367 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,818,000 | 1,216 |
| Total noninterest expense | $22,939,000 | 683 |
| Salaries and employee benefits | $7,968,000 | 874 |
| Premises and equipment expense | $2,194,000 | 909 |
| Additional noninterest expense | $12,777,000 | 489 |
| Pre-tax net operating income | $8,571,000 | 907 |
| Securities gains (losses) | $38,000 | 779 |
| Applicable income taxes | $2,842,000 | 871 |
| Income before extraordinary items | $5,767,000 | 916 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,767,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $680,000 | 994 |
| Cash dividends | $11,193,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,741,540 | 922 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,863,000 | 1,217 |
| Total interest expense | $10,602,000 | 1,410 |
| Net interest income | $16,261,000 | 1,077 |
| Provision for loan and lease losses | $415,000 | 2,049 |
| Total noninterest income | $2,849,000 | 1,416 |
| Gross Fiduciary activities income | $2,000 | 1,341 |
| Service charges on deposit accounts | $2,191,000 | 599 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $656,000 | 2,478 |
| Total noninterest expense | $13,399,000 | 1,040 |
| Salaries and employee benefits | $4,946,000 | 1,399 |
| Premises and equipment expense | $1,239,000 | 1,645 |
| Additional noninterest expense | $7,214,000 | 764 |
| Pre-tax net operating income | $5,296,000 | 1,435 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $1,659,000 | 1,450 |
| Income before extraordinary items | $3,639,000 | 1,485 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,639,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,147,000 | 650 |
| Cash dividends | $1,219,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,637,620 | 1,459 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $30,929,000 | 1,057 |
| Total interest expense | $12,878,000 | 1,208 |
| Net interest income | $18,051,000 | 935 |
| Provision for loan and lease losses | $1,298,000 | 776 |
| Total noninterest income | $2,812,000 | 1,410 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,024,000 | 608 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $788,000 | 2,195 |
| Total noninterest expense | $13,497,000 | 993 |
| Salaries and employee benefits | $5,249,000 | 1,253 |
| Premises and equipment expense | $1,201,000 | 1,642 |
| Additional noninterest expense | $7,047,000 | 762 |
| Pre-tax net operating income | $6,068,000 | 1,236 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $1,917,000 | 1,321 |
| Income before extraordinary items | $4,169,000 | 1,285 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,169,000 | 1,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,183,000 | 667 |
| Cash dividends | $2,030,000 | 1,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,156,580 | 1,235 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,835,000 | 985 |
| Total interest expense | $14,550,000 | 1,113 |
| Net interest income | $20,285,000 | 878 |
| Provision for loan and lease losses | $686,000 | 1,348 |
| Total noninterest income | $2,677,000 | 1,400 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,995,000 | 640 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $682,000 | 2,255 |
| Total noninterest expense | $13,454,000 | 1,017 |
| Salaries and employee benefits | $5,716,000 | 1,149 |
| Premises and equipment expense | $1,269,000 | 1,529 |
| Additional noninterest expense | $6,469,000 | 800 |
| Pre-tax net operating income | $8,822,000 | 921 |
| Securities gains (losses) | $-81,000 | 10,730 |
| Applicable income taxes | $2,730,000 | 1,010 |
| Income before extraordinary items | $6,011,000 | 917 |
| Extraordinary gains, net | $1,964,000 | 4 |
| Net income | $7,975,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $715,000 | 1,010 |
| Cash dividends | $5,844,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $24,122,000 | 39 |
| Net operating income | $6,066,890 | 887 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,021,000 | 3,271 |
| Total interest expense | $3,939,000 | 3,763 |
| Net interest income | $6,082,000 | 2,920 |
| Provision for loan and lease losses | $164,000 | 3,884 |
| Total noninterest income | $913,000 | 3,356 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $648,000 | 2,086 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $265,000 | 4,389 |
| Total noninterest expense | $3,835,000 | 3,468 |
| Salaries and employee benefits | $1,590,000 | 4,091 |
| Premises and equipment expense | $287,000 | 5,753 |
| Additional noninterest expense | $1,958,000 | 2,510 |
| Pre-tax net operating income | $2,996,000 | 2,377 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,026,000 | 2,303 |
| Income before extraordinary items | $1,970,000 | 2,495 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,970,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,632 |
| Cash dividends | $2,000,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,970,000 | 2,439 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,602,000 | 3,408 |
| Total interest expense | $3,849,000 | 3,800 |
| Net interest income | $5,753,000 | 3,090 |
| Provision for loan and lease losses | $165,000 | 3,441 |
| Total noninterest income | $833,000 | 3,584 |
| Gross Fiduciary activities income | $5,000 | 1,518 |
| Service charges on deposit accounts | $607,000 | 2,241 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $221,000 | 4,838 |
| Total noninterest expense | $3,858,000 | 3,437 |
| Salaries and employee benefits | $1,622,000 | 3,998 |
| Premises and equipment expense | $239,000 | 6,526 |
| Additional noninterest expense | $1,997,000 | 2,398 |
| Pre-tax net operating income | $2,563,000 | 2,777 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $867,000 | 2,690 |
| Income before extraordinary items | $1,696,000 | 2,902 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,696,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $1,600,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,696,000 | 2,866 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,917,000 | 3,360 |
| Total interest expense | $2,978,000 | 3,989 |
| Net interest income | $5,939,000 | 3,026 |
| Provision for loan and lease losses | $-18,000 | 11,827 |
| Total noninterest income | $848,000 | 3,524 |
| Gross Fiduciary activities income | $5,000 | 1,522 |
| Service charges on deposit accounts | $587,000 | 2,318 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $256,000 | 4,515 |
| Total noninterest expense | $4,071,000 | 3,372 |
| Salaries and employee benefits | $1,710,000 | 3,806 |
| Premises and equipment expense | $292,000 | 5,835 |
| Additional noninterest expense | $2,069,000 | 2,500 |
| Pre-tax net operating income | $2,734,000 | 2,596 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $892,000 | 2,508 |
| Income before extraordinary items | $1,843,000 | 2,637 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,843,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,399 |
| Cash dividends | $1,875,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,842,330 | 2,654 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,650,000 | 3,207 |
| Total interest expense | $3,196,000 | 3,900 |
| Net interest income | $6,454,000 | 2,804 |
| Provision for loan and lease losses | $-2,000 | 12,435 |
| Total noninterest income | $887,000 | 3,675 |
| Gross Fiduciary activities income | $11,000 | 1,494 |
| Service charges on deposit accounts | $572,000 | 2,410 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $304,000 | 4,430 |
| Total noninterest expense | $4,164,000 | 3,358 |
| Salaries and employee benefits | $1,778,000 | 3,653 |
| Premises and equipment expense | $275,000 | 6,263 |
| Additional noninterest expense | $2,111,000 | 2,603 |
| Pre-tax net operating income | $3,179,000 | 2,142 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $1,032,000 | 2,178 |
| Income before extraordinary items | $2,148,000 | 2,325 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,148,000 | 2,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $2,010,000 | 1,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,147,320 | 2,189 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,028,000 | 3,181 |
| Total interest expense | $4,192,000 | 3,902 |
| Net interest income | $6,836,000 | 2,656 |
| Provision for loan and lease losses | $387,000 | 3,536 |
| Total noninterest income | $796,000 | 3,992 |
| Gross Fiduciary activities income | $13,000 | 1,525 |
| Service charges on deposit accounts | $546,000 | 2,528 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $237,000 | 5,143 |
| Total noninterest expense | $4,241,000 | 3,326 |
| Salaries and employee benefits | $1,731,000 | 3,694 |
| Premises and equipment expense | $288,000 | 6,154 |
| Additional noninterest expense | $2,222,000 | 2,562 |
| Pre-tax net operating income | $3,004,000 | 2,073 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $913,000 | 2,288 |
| Income before extraordinary items | $2,092,000 | 2,192 |
| Extraordinary gains, net | $-30,000 | 13,538 |
| Net income | $2,062,000 | 2,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 3,103 |
| Cash dividends | $2,035,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,091,300 | 2,014 |
* 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.