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First Virgin Islands FSB, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,082,0006,298
Total interest expense$1,848,0006,267
Net interest income$2,234,0006,210
Provision for loan and lease losses$502,0001,755
Total noninterest income$700,0003,997
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$700,0002,379
Total noninterest expense$2,690,0004,612
Salaries and employee benefits$1,316,0004,827
Premises and equipment expense$424,0004,330
Additional noninterest expense$950,0004,180
Pre-tax net operating income$-258,0009,681
Securities gains (losses)$107,000713
Applicable income taxes$-74,0009,877
Income before extraordinary items$-77,0009,550
Extraordinary gains, net$035
Net income$-77,0009,547
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$577,0001,091
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$10,000975
Net operating income$-145,4809,598
1998-12-31 (YTD Data)Rank
Total interest income$4,109,0006,388
Total interest expense$1,697,0006,768
Net interest income$2,412,0005,973
Provision for loan and lease losses$442,0001,907
Total noninterest income$651,0004,159
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$651,0002,507
Total noninterest expense$2,648,0004,572
Salaries and employee benefits$1,286,0004,809
Premises and equipment expense$442,0004,081
Additional noninterest expense$920,0004,218
Pre-tax net operating income$-27,0009,842
Securities gains (losses)$232,000848
Applicable income taxes$64,0008,091
Income before extraordinary items$141,0009,043
Extraordinary gains, net$032
Net income$141,0009,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,603
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$1,0001,017
Net operating income$-19,0809,832
1997-12-31 (YTD Data)Rank
Total interest income$4,225,0006,450
Total interest expense$1,687,0006,910
Net interest income$2,538,0005,989
Provision for loan and lease losses$477,0001,847
Total noninterest income$733,0003,830
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$733,0002,159
Total noninterest expense$2,650,0004,552
Salaries and employee benefits$1,208,0005,075
Premises and equipment expense$397,0004,472
Additional noninterest expense$1,045,0003,743
Pre-tax net operating income$144,0009,881
Securities gains (losses)$54,0001,299
Applicable income taxes$76,0008,804
Income before extraordinary items$122,0009,819
Extraordinary gains, net$044
Net income$122,0009,819
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$205,0002,514
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$9,000977
Net operating income$87,44010,000
1996-12-31 (YTD Data)Rank
Total interest income$4,734,0006,168
Total interest expense$1,788,0006,867
Net interest income$2,946,0005,510
Provision for loan and lease losses$256,0002,899
Total noninterest income$703,0004,101
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$703,0002,291
Total noninterest expense$2,803,0004,553
Salaries and employee benefits$1,266,0004,960
Premises and equipment expense$389,0004,641
Additional noninterest expense$1,148,0003,921
Pre-tax net operating income$590,0007,476
Securities gains (losses)$42,0001,458
Applicable income taxes$250,0006,461
Income before extraordinary items$382,0007,774
Extraordinary gains, net$053
Net income$382,0007,771
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$426,0001,608
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$355,1207,899
1995-12-31 (YTD Data)Rank
Total interest income$3,848,0007,161
Total interest expense$1,588,0007,454
Net interest income$2,260,0006,764
Provision for loan and lease losses$194,0003,088
Total noninterest income$920,0003,311
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$920,0001,909
Total noninterest expense$2,708,0004,668
Salaries and employee benefits$1,300,0004,861
Premises and equipment expense$395,0004,595
Additional noninterest expense$1,013,0004,306
Pre-tax net operating income$278,0009,917
Securities gains (losses)$71,0001,109
Applicable income taxes$113,0008,910
Income before extraordinary items$236,0009,546
Extraordinary gains, net$065
Net income$236,0009,551
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-92,00011,692
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$187,72010,041
1994-12-31 (YTD Data)Rank
Total interest income$3,502,0007,319
Total interest expense$1,261,0007,684
Net interest income$2,241,0006,991
Provision for loan and lease losses$370,0001,931
Total noninterest income$947,0003,234
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$947,0001,907
Total noninterest expense$2,766,0004,739
Salaries and employee benefits$1,323,0004,806
Premises and equipment expense$437,0004,265
Additional noninterest expense$1,006,0004,686
Pre-tax net operating income$52,00011,905
Securities gains (losses)$149,000607
Applicable income taxes$75,0009,915
Income before extraordinary items$126,00011,101
Extraordinary gains, net$0249
Net income$126,00011,107
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,684
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$30,64011,959
1993-12-31 (YTD Data)Rank
Total interest income$4,027,0006,850
Total interest expense$1,319,0007,811
Net interest income$2,708,0006,152
Provision for loan and lease losses$375,0002,560
Total noninterest income$692,0004,478
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$692,0002,623
Total noninterest expense$2,965,0004,564
Salaries and employee benefits$1,429,0004,464
Premises and equipment expense$457,0004,197
Additional noninterest expense$1,079,0004,615
Pre-tax net operating income$60,00012,116
Securities gains (losses)$673,000733
Applicable income taxes$276,0006,401
Income before extraordinary items$457,0007,913
Extraordinary gains, net$122,0001,411
Net income$579,0007,112
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$523,0001,717
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$26,28012,258
1992-12-31 (YTD Data)Rank
Total interest income$4,513,0006,879
Total interest expense$1,710,0007,865
Net interest income$2,803,0006,043
Provision for loan and lease losses$580,0002,690
Total noninterest income$324,0007,413
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$324,0004,222
Total noninterest expense$2,882,0004,693
Salaries and employee benefits$1,295,0004,840
Premises and equipment expense$474,0004,158
Additional noninterest expense$1,113,0004,644
Pre-tax net operating income$-335,00013,198
Securities gains (losses)$630,000906
Applicable income taxes$169,0008,190
Income before extraordinary items$126,00011,595
Extraordinary gains, net$01,422
Net income$126,00011,675
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$465,0002,580
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-277,20013,126

* 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.