Home > First Western Bank > Income and Expense

First Western Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$350,000	8,135
Total interest expense	$18,000	8,955
Net interest income	$332,000	7,649
Provision for loan and lease losses	$36,000	3,870
Total noninterest income	$75,000	6,432
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$65,000	4,595
Trading account gains and fees	$0	121
Additional Noninterest Income	$10,000	7,740
Total noninterest expense	$446,000	6,439
Salaries and employee benefits	$174,000	7,354
Premises and equipment expense	$57,000	6,454
Additional noninterest expense	$215,000	4,818
Pre-tax net operating income	$-75,000	8,761
Securities gains (losses)	$0	2,934
Applicable income taxes	$-27,000	8,926
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	$-8,000	8,115
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	$1,414,000	8,157
Total interest expense	$107,000	8,942
Net interest income	$1,307,000	7,653
Provision for loan and lease losses	$5,000	7,519
Total noninterest income	$319,000	6,466
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$271,000	4,543
Trading account gains and fees	$0	160
Additional Noninterest Income	$48,000	7,613
Total noninterest expense	$1,342,000	7,185
Salaries and employee benefits	$693,000	7,321
Premises and equipment expense	$204,000	6,731
Additional noninterest expense	$445,000	6,876
Pre-tax net operating income	$279,000	7,513
Securities gains (losses)	$0	4,500
Applicable income taxes	$95,000	5,773
Income before extraordinary items	$184,000	7,840
Extraordinary gains, net	$0	54
Net income	$184,000	7,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,961
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$184,000	7,709
2003-09-30 (YTD Data)		Rank
Total interest income	$1,053,000	8,258
Total interest expense	$87,000	9,019
Net interest income	$966,000	7,739
Provision for loan and lease losses	$5,000	7,333
Total noninterest income	$245,000	6,458
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$208,000	4,511
Trading account gains and fees	$0	153
Additional Noninterest Income	$37,000	7,602
Total noninterest expense	$1,002,000	7,198
Salaries and employee benefits	$514,000	7,329
Premises and equipment expense	$150,000	6,787
Additional noninterest expense	$338,000	6,822
Pre-tax net operating income	$204,000	7,707
Securities gains (losses)	$0	4,204
Applicable income taxes	$76,000	5,850
Income before extraordinary items	$128,000	8,052
Extraordinary gains, net	$0	40
Net income	$128,000	8,056
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,281
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$128,000	7,919
2003-06-30 (YTD Data)		Rank
Total interest income	$714,000	8,285
Total interest expense	$65,000	9,040
Net interest income	$649,000	7,738
Provision for loan and lease losses	$5,000	7,119
Total noninterest income	$175,000	6,289
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$150,000	4,294
Trading account gains and fees	$0	150
Additional Noninterest Income	$25,000	7,564
Total noninterest expense	$673,000	7,197
Salaries and employee benefits	$342,000	7,359
Premises and equipment expense	$94,000	6,916
Additional noninterest expense	$237,000	6,682
Pre-tax net operating income	$146,000	7,631
Securities gains (losses)	$0	3,782
Applicable income taxes	$54,000	5,837
Income before extraordinary items	$92,000	8,035
Extraordinary gains, net	$0	30
Net income	$92,000	8,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$92,000	7,871
2003-03-31 (YTD Data)		Rank
Total interest income	$360,000	8,343
Total interest expense	$38,000	9,066
Net interest income	$322,000	7,780
Provision for loan and lease losses	$5,000	6,526
Total noninterest income	$100,000	5,923
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$85,000	3,938
Trading account gains and fees	$0	134
Additional Noninterest Income	$15,000	7,351
Total noninterest expense	$346,000	7,153
Salaries and employee benefits	$170,000	7,401
Premises and equipment expense	$47,000	6,953
Additional noninterest expense	$129,000	6,436
Pre-tax net operating income	$71,000	7,662
Securities gains (losses)	$0	2,891
Applicable income taxes	$25,000	5,890
Income before extraordinary items	$46,000	7,974
Extraordinary gains, net	$0	21
Net income	$46,000	7,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$46,000	7,823
2002-12-31 (YTD Data)		Rank
Total interest income	$1,539,000	8,334
Total interest expense	$231,000	9,019
Net interest income	$1,308,000	7,756
Provision for loan and lease losses	$-104,000	9,265
Total noninterest income	$334,000	6,210
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$284,000	4,352
Trading account gains and fees	$0	153
Additional Noninterest Income	$50,000	7,605
Total noninterest expense	$1,403,000	7,056
Salaries and employee benefits	$669,000	7,408
Premises and equipment expense	$190,000	6,887
Additional noninterest expense	$544,000	6,258
Pre-tax net operating income	$343,000	7,387
Securities gains (losses)	$2,000	4,234
Applicable income taxes	$108,000	5,890
Income before extraordinary items	$237,000	7,640
Extraordinary gains, net	$0	70
Net income	$237,000	7,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-119,000	9,248
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$235,620	7,553
2001-12-31 (YTD Data)		Rank
Total interest income	$1,934,000	8,286
Total interest expense	$383,000	9,182
Net interest income	$1,551,000	7,237
Provision for loan and lease losses	$37,000	7,027
Total noninterest income	$412,000	5,597
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$346,000	3,793
Trading account gains and fees	$0	177
Additional Noninterest Income	$66,000	7,230
Total noninterest expense	$1,486,000	6,827
Salaries and employee benefits	$731,000	7,059
Premises and equipment expense	$195,000	6,864
Additional noninterest expense	$560,000	6,097
Pre-tax net operating income	$440,000	6,793
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$166,000	5,305
Income before extraordinary items	$275,000	7,278
Extraordinary gains, net	$0	105
Net income	$275,000	7,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	3,857
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$274,360	7,172
2000-12-31 (YTD Data)		Rank
Total interest income	$2,013,000	8,399
Total interest expense	$316,000	9,520
Net interest income	$1,697,000	7,117
Provision for loan and lease losses	$110,000	5,095
Total noninterest income	$338,000	5,991
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$278,000	4,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	7,469
Total noninterest expense	$1,531,000	6,676
Salaries and employee benefits	$709,000	7,162
Premises and equipment expense	$213,000	6,566
Additional noninterest expense	$609,000	5,728
Pre-tax net operating income	$394,000	7,508
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$147,000	5,956
Income before extraordinary items	$243,000	7,827
Extraordinary gains, net	$0	38
Net income	$243,000	7,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$206,000	2,357
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$245,560	7,815
1999-12-31 (YTD Data)		Rank
Total interest income	$1,917,000	8,593
Total interest expense	$381,000	9,682
Net interest income	$1,536,000	7,522
Provision for loan and lease losses	$119,000	4,899
Total noninterest income	$427,000	5,425
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$276,000	4,226
Trading account gains and fees	NA	NA
Additional Noninterest Income	$151,000	5,590
Total noninterest expense	$1,744,000	6,195
Salaries and employee benefits	$713,000	7,170
Premises and equipment expense	$286,000	5,610
Additional noninterest expense	$745,000	5,035
Pre-tax net operating income	$100,000	9,076
Securities gains (losses)	$0	3,155
Applicable income taxes	$37,000	7,868
Income before extraordinary items	$63,000	9,180
Extraordinary gains, net	$0	35
Net income	$63,000	9,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-56,000	9,937
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$145,000	754
Net operating income	$63,000	9,149
1998-12-31 (YTD Data)		Rank
Total interest income	$2,387,000	8,226
Total interest expense	$560,000	9,567
Net interest income	$1,827,000	6,994
Provision for loan and lease losses	$558,000	1,584
Total noninterest income	$558,000	4,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$394,000	3,174
Trading account gains and fees	NA	NA
Additional Noninterest Income	$164,000	5,461
Total noninterest expense	$2,747,000	4,450
Salaries and employee benefits	$1,109,000	5,368
Premises and equipment expense	$640,000	2,994
Additional noninterest expense	$998,000	3,970
Pre-tax net operating income	$-920,000	10,325
Securities gains (losses)	$0	4,449
Applicable income taxes	$-376,000	10,374
Income before extraordinary items	$-544,000	10,246
Extraordinary gains, net	$0	32
Net income	$-544,000	10,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$579,000	1,118
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-544,000	10,220
1997-12-31 (YTD Data)		Rank
Total interest income	$2,520,000	8,349
Total interest expense	$560,000	9,941
Net interest income	$1,960,000	6,997
Provision for loan and lease losses	$-1,015,000	10,893
Total noninterest income	$443,000	5,384
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$355,000	3,575
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	7,136
Total noninterest expense	$3,347,000	3,746
Salaries and employee benefits	$1,230,000	4,985
Premises and equipment expense	$587,000	3,217
Additional noninterest expense	$1,530,000	2,685
Pre-tax net operating income	$71,000	10,172
Securities gains (losses)	$0	3,944
Applicable income taxes	$27,000	9,605
Income before extraordinary items	$44,000	10,269
Extraordinary gains, net	$0	44
Net income	$44,000	10,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-373,000	10,863
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$44,000	10,230
1996-12-31 (YTD Data)		Rank
Total interest income	$4,513,000	6,387
Total interest expense	$1,425,000	7,770
Net interest income	$3,088,000	5,326
Provision for loan and lease losses	$32,000	7,338
Total noninterest income	$699,000	4,118
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$463,000	2,907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$236,000	4,706
Total noninterest expense	$3,358,000	3,933
Salaries and employee benefits	$1,343,000	4,744
Premises and equipment expense	$602,000	3,201
Additional noninterest expense	$1,413,000	3,284
Pre-tax net operating income	$397,000	8,524
Securities gains (losses)	$0	4,148
Applicable income taxes	$149,000	7,882
Income before extraordinary items	$248,000	8,851
Extraordinary gains, net	$0	53
Net income	$248,000	8,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$300,000	2,077
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$250,000	551
Net operating income	$248,000	8,786
1995-12-31 (YTD Data)		Rank
Total interest income	$4,920,000	6,060
Total interest expense	$1,503,000	7,696
Net interest income	$3,417,000	4,962
Provision for loan and lease losses	$2,364,000	525
Total noninterest income	$637,000	4,386
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$361,000	3,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$276,000	4,212
Total noninterest expense	$2,722,000	4,643
Salaries and employee benefits	$1,088,000	5,654
Premises and equipment expense	$455,000	4,080
Additional noninterest expense	$1,179,000	3,793
Pre-tax net operating income	$-1,032,000	11,879
Securities gains (losses)	$0	3,831
Applicable income taxes	$-307,000	11,836
Income before extraordinary items	$-725,000	11,837
Extraordinary gains, net	$0	65
Net income	$-725,000	11,835
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,532,000	674
Cash dividends	$32,000	8,141
Sale, conversion, retirement of capital stock, net	$150,000	517
Net operating income	$-725,000	11,827
1994-12-31 (YTD Data)		Rank
Total interest income	$2,450,000	8,992
Total interest expense	$498,000	11,112
Net interest income	$1,952,000	7,677
Provision for loan and lease losses	$50,000	6,087
Total noninterest income	$332,000	6,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	5,407
Trading account gains and fees	NA	NA
Additional Noninterest Income	$106,000	7,329
Total noninterest expense	$1,580,000	7,354
Salaries and employee benefits	$661,000	8,188
Premises and equipment expense	$222,000	7,023
Additional noninterest expense	$697,000	6,340
Pre-tax net operating income	$654,000	7,690
Securities gains (losses)	$0	3,600
Applicable income taxes	$231,000	6,821
Income before extraordinary items	$423,000	7,961
Extraordinary gains, net	$0	249
Net income	$423,000	7,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	11,219
Cash dividends	$73,000	7,479
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$423,000	8,007
1993-12-31 (YTD Data)		Rank
Total interest income	$1,919,000	10,342
Total interest expense	$344,000	12,472
Net interest income	$1,575,000	8,885
Provision for loan and lease losses	$-34,000	12,660
Total noninterest income	$443,000	6,056
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$282,000	4,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	6,332
Total noninterest expense	$1,339,000	8,373
Salaries and employee benefits	$605,000	8,761
Premises and equipment expense	$184,000	8,036
Additional noninterest expense	$550,000	7,768
Pre-tax net operating income	$713,000	7,292
Securities gains (losses)	$0	7,477
Applicable income taxes	$128,000	9,127
Income before extraordinary items	$585,000	6,902
Extraordinary gains, net	$0	3,149
Net income	$585,000	7,073
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-40,000	12,541
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$585,000	6,649
1992-12-31 (YTD Data)		Rank
Total interest income	$1,625,000	11,669
Total interest expense	$447,000	12,991
Net interest income	$1,178,000	10,403
Provision for loan and lease losses	$-8,000	13,465
Total noninterest income	$294,000	7,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$234,000	5,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,797
Total noninterest expense	$1,274,000	8,747
Salaries and employee benefits	$461,000	10,184
Premises and equipment expense	$201,000	7,807
Additional noninterest expense	$612,000	7,403
Pre-tax net operating income	$206,000	11,022
Securities gains (losses)	$162,000	2,313
Applicable income taxes	$0	12,680
Income before extraordinary items	$368,000	8,525
Extraordinary gains, net	$0	1,422
Net income	$368,000	8,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	12,801
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$206,000	10,170

* 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.