Home > FirstCapital Bank, ssb > Income and Expense

FirstCapital Bank, ssb, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$36,113,000	779
Total interest expense	$9,971,000	817
Net interest income	$26,142,000	747
Provision for loan and lease losses	$240,000	3,319
Total noninterest income	$8,894,000	671
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$5,599,000	303
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,295,000	917
Total noninterest expense	$27,736,000	610
Salaries and employee benefits	$13,160,000	647
Premises and equipment expense	$5,737,000	410
Additional noninterest expense	$8,839,000	610
Pre-tax net operating income	$7,060,000	1,228
Securities gains (losses)	$726,000	352
Applicable income taxes	$2,504,000	1,050
Income before extraordinary items	$5,282,000	1,238
Extraordinary gains, net	$0	34
Net income	$5,282,000	1,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$485,000	1,370
Cash dividends	$600,000	3,196
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,788,320	1,312
2004-09-30 (YTD Data)		Rank
Total interest income	$26,687,000	782
Total interest expense	$7,426,000	807
Net interest income	$19,261,000	752
Provision for loan and lease losses	$240,000	2,636
Total noninterest income	$6,468,000	691
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$4,119,000	314
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,349,000	962
Total noninterest expense	$20,679,000	614
Salaries and employee benefits	$9,902,000	639
Premises and equipment expense	$4,302,000	417
Additional noninterest expense	$6,475,000	618
Pre-tax net operating income	$4,810,000	1,352
Securities gains (losses)	$544,000	405
Applicable income taxes	$1,713,000	1,150
Income before extraordinary items	$3,641,000	1,350
Extraordinary gains, net	$0	26
Net income	$3,641,000	1,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$374,000	1,231
Cash dividends	$600,000	2,394
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,271,080	1,452
2004-06-30 (YTD Data)		Rank
Total interest income	$17,465,000	796
Total interest expense	$4,890,000	803
Net interest income	$12,575,000	763
Provision for loan and lease losses	$210,000	2,090
Total noninterest income	$4,065,000	723
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$2,532,000	336
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,533,000	970
Total noninterest expense	$13,857,000	612
Salaries and employee benefits	$6,721,000	626
Premises and equipment expense	$2,825,000	422
Additional noninterest expense	$4,311,000	615
Pre-tax net operating income	$2,573,000	1,644
Securities gains (losses)	$465,000	370
Applicable income taxes	$956,000	1,330
Income before extraordinary items	$2,082,000	1,539
Extraordinary gains, net	$0	21
Net income	$2,082,000	1,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$407,000	829
Cash dividends	$600,000	1,866
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,761,150	1,745
2004-03-31 (YTD Data)		Rank
Total interest income	$8,908,000	794
Total interest expense	$2,477,000	814
Net interest income	$6,431,000	759
Provision for loan and lease losses	$210,000	1,111
Total noninterest income	$2,010,000	713
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,248,000	341
Trading account gains and fees	$0	121
Additional Noninterest Income	$762,000	957
Total noninterest expense	$7,067,000	606
Salaries and employee benefits	$3,463,000	625
Premises and equipment expense	$1,436,000	420
Additional noninterest expense	$2,168,000	607
Pre-tax net operating income	$1,164,000	1,770
Securities gains (losses)	$-41,000	9,022
Applicable income taxes	$341,000	1,762
Income before extraordinary items	$782,000	1,990
Extraordinary gains, net	$0	16
Net income	$782,000	1,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	810
Cash dividends	$300,000	1,707
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$810,700	1,847
2003-12-31 (YTD Data)		Rank
Total interest income	$36,938,000	767
Total interest expense	$11,387,000	775
Net interest income	$25,551,000	747
Provision for loan and lease losses	$1,620,000	772
Total noninterest income	$10,302,000	635
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$5,299,000	315
Trading account gains and fees	$0	160
Additional Noninterest Income	$5,003,000	762
Total noninterest expense	$28,035,000	605
Salaries and employee benefits	$13,694,000	624
Premises and equipment expense	$5,647,000	424
Additional noninterest expense	$8,694,000	626
Pre-tax net operating income	$6,198,000	1,331
Securities gains (losses)	$215,000	1,295
Applicable income taxes	$2,037,000	1,274
Income before extraordinary items	$4,376,000	1,440
Extraordinary gains, net	$0	54
Net income	$4,376,000	1,442
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$528,000	1,547
Cash dividends	$900,000	2,492
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,229,800	1,416
2003-09-30 (YTD Data)		Rank
Total interest income	$27,908,000	780
Total interest expense	$8,786,000	789
Net interest income	$19,122,000	755
Provision for loan and lease losses	$800,000	1,077
Total noninterest income	$7,110,000	707
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$3,942,000	327
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,168,000	892
Total noninterest expense	$20,791,000	623
Salaries and employee benefits	$10,119,000	650
Premises and equipment expense	$4,179,000	433
Additional noninterest expense	$6,493,000	629
Pre-tax net operating income	$4,641,000	1,397
Securities gains (losses)	$130,000	1,526
Applicable income taxes	$1,486,000	1,362
Income before extraordinary items	$3,285,000	1,495
Extraordinary gains, net	$0	40
Net income	$3,285,000	1,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$402,000	1,394
Cash dividends	$600,000	2,396
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,195,300	1,452
2003-06-30 (YTD Data)		Rank
Total interest income	$18,784,000	782
Total interest expense	$6,061,000	795
Net interest income	$12,723,000	757
Provision for loan and lease losses	$620,000	958
Total noninterest income	$4,661,000	706
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$2,588,000	329
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,073,000	895
Total noninterest expense	$13,716,000	626
Salaries and employee benefits	$6,668,000	660
Premises and equipment expense	$2,779,000	439
Additional noninterest expense	$4,269,000	639
Pre-tax net operating income	$3,048,000	1,402
Securities gains (losses)	$100,000	1,516
Applicable income taxes	$974,000	1,401
Income before extraordinary items	$2,174,000	1,504
Extraordinary gains, net	$0	30
Net income	$2,174,000	1,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$244,000	1,439
Cash dividends	$300,000	2,868
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,105,000	1,447
2003-03-31 (YTD Data)		Rank
Total interest income	$9,504,000	771
Total interest expense	$3,135,000	782
Net interest income	$6,369,000	748
Provision for loan and lease losses	$250,000	1,115
Total noninterest income	$2,228,000	728
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,236,000	342
Trading account gains and fees	$0	134
Additional Noninterest Income	$992,000	895
Total noninterest expense	$6,757,000	622
Salaries and employee benefits	$3,278,000	667
Premises and equipment expense	$1,368,000	447
Additional noninterest expense	$2,111,000	636
Pre-tax net operating income	$1,590,000	1,350
Securities gains (losses)	$22,000	1,846
Applicable income taxes	$497,000	1,380
Income before extraordinary items	$1,115,000	1,468
Extraordinary gains, net	$0	21
Net income	$1,115,000	1,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	1,024
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,099,820	1,389
2002-12-31 (YTD Data)		Rank
Total interest income	$40,820,000	748
Total interest expense	$15,922,000	709
Net interest income	$24,898,000	759
Provision for loan and lease losses	$1,455,000	969
Total noninterest income	$8,414,000	700
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$4,718,000	347
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,696,000	872
Total noninterest expense	$26,208,000	624
Salaries and employee benefits	$12,803,000	631
Premises and equipment expense	$5,228,000	450
Additional noninterest expense	$8,177,000	652
Pre-tax net operating income	$5,649,000	1,470
Securities gains (losses)	$138,000	1,454
Applicable income taxes	$1,764,000	1,440
Income before extraordinary items	$4,023,000	1,521
Extraordinary gains, net	$0	70
Net income	$4,023,000	1,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$612,000	1,416
Cash dividends	$1,200,000	1,938
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,926,400	1,506
2001-12-31 (YTD Data)		Rank
Total interest income	$50,582,000	691
Total interest expense	$27,229,000	616
Net interest income	$23,353,000	756
Provision for loan and lease losses	$890,000	1,372
Total noninterest income	$7,754,000	713
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$4,591,000	338
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,163,000	907
Total noninterest expense	$28,040,000	589
Salaries and employee benefits	$12,823,000	604
Premises and equipment expense	$5,200,000	448
Additional noninterest expense	$10,017,000	575
Pre-tax net operating income	$2,177,000	2,982
Securities gains (losses)	$1,370,000	330
Applicable income taxes	$1,335,000	1,663
Income before extraordinary items	$2,212,000	2,326
Extraordinary gains, net	$0	105
Net income	$2,212,000	2,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$371,000	1,930
Cash dividends	$2,350,000	1,149
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,335,200	3,424
2000-12-31 (YTD Data)		Rank
Total interest income	$46,852,000	762
Total interest expense	$25,589,000	710
Net interest income	$21,263,000	820
Provision for loan and lease losses	$445,000	2,079
Total noninterest income	$5,045,000	924
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$3,084,000	434
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,961,000	1,149
Total noninterest expense	$23,402,000	673
Salaries and employee benefits	$11,143,000	643
Premises and equipment expense	$3,359,000	638
Additional noninterest expense	$8,900,000	630
Pre-tax net operating income	$2,461,000	2,794
Securities gains (losses)	$-9,000	8,282
Applicable income taxes	$991,000	2,139
Income before extraordinary items	$1,461,000	3,322
Extraordinary gains, net	$0	38
Net income	$1,461,000	3,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$512,000	1,227
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,466,760	3,305
1999-12-31 (YTD Data)		Rank
Total interest income	$29,633,000	1,106
Total interest expense	$15,226,000	1,005
Net interest income	$14,407,000	1,226
Provision for loan and lease losses	$555,000	1,616
Total noninterest income	$3,094,000	1,318
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,433,000	922
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,661,000	1,311
Total noninterest expense	$14,613,000	955
Salaries and employee benefits	$7,509,000	916
Premises and equipment expense	$2,174,000	922
Additional noninterest expense	$4,930,000	967
Pre-tax net operating income	$2,333,000	2,952
Securities gains (losses)	$-32,000	9,677
Applicable income taxes	$984,000	2,243
Income before extraordinary items	$1,317,000	3,609
Extraordinary gains, net	$0	35
Net income	$1,317,000	3,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	3,078
Cash dividends	$1,400,000	1,771
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,337,480	3,523
1998-12-31 (YTD Data)		Rank
Total interest income	$18,154,000	1,783
Total interest expense	$10,436,000	1,462
Net interest income	$7,718,000	2,213
Provision for loan and lease losses	$210,000	3,403
Total noninterest income	$1,986,000	1,846
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$992,000	1,254
Trading account gains and fees	$0	224
Additional Noninterest Income	$994,000	1,864
Total noninterest expense	$8,911,000	1,486
Salaries and employee benefits	$4,339,000	1,511
Premises and equipment expense	$1,370,000	1,430
Additional noninterest expense	$3,202,000	1,373
Pre-tax net operating income	$583,000	7,006
Securities gains (losses)	$86,000	1,380
Applicable income taxes	$305,000	5,126
Income before extraordinary items	$364,000	7,451
Extraordinary gains, net	$0	32
Net income	$364,000	7,450
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,129
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$308,960	7,736
1997-12-31 (YTD Data)		Rank
Total interest income	$16,661,000	1,970
Total interest expense	$10,037,000	1,541
Net interest income	$6,624,000	2,623
Provision for loan and lease losses	$150,000	4,117
Total noninterest income	$1,711,000	1,994
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$828,000	1,570
Trading account gains and fees	$0	239
Additional Noninterest Income	$883,000	1,895
Total noninterest expense	$7,085,000	1,829
Salaries and employee benefits	$3,333,000	1,973
Premises and equipment expense	$1,051,000	1,890
Additional noninterest expense	$2,701,000	1,591
Pre-tax net operating income	$1,100,000	5,535
Securities gains (losses)	$148,000	825
Applicable income taxes	$441,000	4,590
Income before extraordinary items	$807,000	5,423
Extraordinary gains, net	$0	44
Net income	$807,000	5,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	2,545
Cash dividends	$730,000	2,715
Sale, conversion, retirement of capital stock, net	$6,333,000	153
Net operating income	$710,800	5,808
1996-12-31 (YTD Data)		Rank
Total interest income	$13,109,000	2,552
Total interest expense	$7,696,000	2,044
Net interest income	$5,413,000	3,269
Provision for loan and lease losses	$-81,000	11,249
Total noninterest income	$1,067,000	2,971
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$487,000	2,775
Trading account gains and fees	$0	262
Additional Noninterest Income	$580,000	2,627
Total noninterest expense	$6,601,000	2,097
Salaries and employee benefits	$2,495,000	2,708
Premises and equipment expense	$1,226,000	1,657
Additional noninterest expense	$2,880,000	1,801
Pre-tax net operating income	$-40,000	10,882
Securities gains (losses)	$23,000	1,905
Applicable income taxes	$-3,000	10,903
Income before extraordinary items	$-14,000	10,856
Extraordinary gains, net	$0	53
Net income	$-14,000	10,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	11,005
Cash dividends	$585,000	3,114
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-32,860	10,856
1995-12-31 (YTD Data)		Rank
Total interest income	$11,949,000	2,796
Total interest expense	$7,151,000	2,168
Net interest income	$4,798,000	3,675
Provision for loan and lease losses	$-31,000	11,527
Total noninterest income	$986,000	3,136
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$986,000	1,822
Total noninterest expense	$4,207,000	3,172
Salaries and employee benefits	$2,114,000	3,133
Premises and equipment expense	$975,000	2,063
Additional noninterest expense	$1,118,000	3,977
Pre-tax net operating income	$1,608,000	4,211
Securities gains (losses)	$-21,000	10,587
Applicable income taxes	$64,000	9,898
Income before extraordinary items	$1,523,000	3,206
Extraordinary gains, net	$0	65
Net income	$1,523,000	3,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	4,113
Cash dividends	$241,000	5,074
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$1,543,160	3,146
1994-12-31 (YTD Data)		Rank
Total interest income	$10,673,000	2,847
Total interest expense	$5,344,000	2,318
Net interest income	$5,329,000	3,364
Provision for loan and lease losses	$-383,000	12,431
Total noninterest income	$1,097,000	2,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,097,000	1,735
Total noninterest expense	$4,312,000	3,195
Salaries and employee benefits	$2,075,000	3,168
Premises and equipment expense	$849,000	2,387
Additional noninterest expense	$1,388,000	3,564
Pre-tax net operating income	$2,497,000	2,832
Securities gains (losses)	$0	3,600
Applicable income taxes	$661,000	3,230
Income before extraordinary items	$1,836,000	2,646
Extraordinary gains, net	$0	249
Net income	$1,836,000	2,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,935
Cash dividends	$256,000	4,846
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,836,000	2,659
1993-12-31 (YTD Data)		Rank
Total interest income	$11,820,000	2,614
Total interest expense	$5,604,000	2,309
Net interest income	$6,216,000	2,932
Provision for loan and lease losses	$-186,000	13,023
Total noninterest income	$857,000	3,777
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$857,000	2,276
Total noninterest expense	$5,963,000	2,409
Salaries and employee benefits	$2,101,000	3,121
Premises and equipment expense	$1,087,000	1,910
Additional noninterest expense	$2,775,000	2,035
Pre-tax net operating income	$1,296,000	4,873
Securities gains (losses)	$107,000	2,403
Applicable income taxes	$625,000	3,467
Income before extraordinary items	$778,000	5,684
Extraordinary gains, net	$0	3,149
Net income	$778,000	5,822
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	10,864
Cash dividends	$70,000	7,518
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$709,520	5,784
1992-12-31 (YTD Data)		Rank
Total interest income	$14,547,000	2,419
Total interest expense	$7,414,000	2,284
Net interest income	$7,133,000	2,547
Provision for loan and lease losses	$0	11,756
Total noninterest income	$1,553,000	2,329
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,553,000	1,482
Total noninterest expense	$6,457,000	2,267
Salaries and employee benefits	$2,013,000	3,191
Premises and equipment expense	$1,128,000	1,871
Additional noninterest expense	$3,316,000	1,824
Pre-tax net operating income	$2,229,000	2,801
Securities gains (losses)	$71,000	3,566
Applicable income taxes	$784,000	2,672
Income before extraordinary items	$1,516,000	3,049
Extraordinary gains, net	$0	1,422
Net income	$1,516,000	3,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-230,000	13,865
Cash dividends	$70,000	7,232
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,469,140	2,900

* 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.