Home > FirstService Bank > Income and Expense
FirstService Bank, Income and Expense
2002-12-31 (YTD Data) | Rank | |
Total interest income | $20,626,000 | 1,492 |
Total interest expense | $6,382,000 | 1,788 |
Net interest income | $14,244,000 | 1,360 |
Provision for loan and lease losses | $654,000 | 1,931 |
Total noninterest income | $4,606,000 | 1,138 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $785,000 | 2,032 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $3,821,000 | 845 |
Total noninterest expense | $13,674,000 | 1,126 |
Salaries and employee benefits | $8,646,000 | 934 |
Premises and equipment expense | $1,705,000 | 1,286 |
Additional noninterest expense | $3,323,000 | 1,422 |
Pre-tax net operating income | $4,522,000 | 1,796 |
Securities gains (losses) | $140,000 | 1,438 |
Applicable income taxes | $1,122,000 | 2,031 |
Income before extraordinary items | $3,540,000 | 1,693 |
Extraordinary gains, net | $0 | 70 |
Net income | $3,540,000 | 1,692 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-63,000 | 9,180 |
Cash dividends | $668,000 | 2,977 |
Sale, conversion, retirement of capital stock, net | $1,981,000 | 297 |
Net operating income | $3,433,600 | 1,691 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $21,363,000 | 1,587 |
Total interest expense | $9,555,000 | 1,704 |
Net interest income | $11,808,000 | 1,509 |
Provision for loan and lease losses | $846,000 | 1,434 |
Total noninterest income | $2,427,000 | 1,720 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $738,000 | 2,045 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $1,689,000 | 1,402 |
Total noninterest expense | $10,405,000 | 1,409 |
Salaries and employee benefits | $6,095,000 | 1,223 |
Premises and equipment expense | $1,408,000 | 1,533 |
Additional noninterest expense | $2,902,000 | 1,601 |
Pre-tax net operating income | $2,984,000 | 2,276 |
Securities gains (losses) | $31,000 | 2,791 |
Applicable income taxes | $787,000 | 2,457 |
Income before extraordinary items | $2,228,000 | 2,306 |
Extraordinary gains, net | $0 | 105 |
Net income | $2,228,000 | 2,309 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $171,000 | 3,149 |
Cash dividends | $404,000 | 3,824 |
Sale, conversion, retirement of capital stock, net | $245,000 | 562 |
Net operating income | $2,205,060 | 2,259 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $18,293,000 | 1,913 |
Total interest expense | $8,822,000 | 1,956 |
Net interest income | $9,471,000 | 1,861 |
Provision for loan and lease losses | $682,000 | 1,453 |
Total noninterest income | $1,209,000 | 2,743 |
Gross Fiduciary activities income | $0 | 1,332 |
Service charges on deposit accounts | $536,000 | 2,525 |
Trading account gains and fees | $0 | 180 |
Additional Noninterest Income | $673,000 | 2,440 |
Total noninterest expense | $8,115,000 | 1,711 |
Salaries and employee benefits | $4,415,000 | 1,613 |
Premises and equipment expense | $1,201,000 | 1,738 |
Additional noninterest expense | $2,499,000 | 1,777 |
Pre-tax net operating income | $1,883,000 | 3,473 |
Securities gains (losses) | $-365,000 | 9,671 |
Applicable income taxes | $472,000 | 3,608 |
Income before extraordinary items | $1,046,000 | 4,249 |
Extraordinary gains, net | $0 | 38 |
Net income | $1,046,000 | 4,250 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $168,000 | 2,683 |
Cash dividends | $322,000 | 4,346 |
Sale, conversion, retirement of capital stock, net | $276,000 | 603 |
Net operating income | $1,297,850 | 3,632 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $12,753,000 | 2,568 |
Total interest expense | $5,547,000 | 2,663 |
Net interest income | $7,206,000 | 2,447 |
Provision for loan and lease losses | $446,000 | 1,937 |
Total noninterest income | $570,000 | 4,578 |
Gross Fiduciary activities income | $0 | 1,380 |
Service charges on deposit accounts | $256,000 | 4,455 |
Trading account gains and fees | $0 | 173 |
Additional Noninterest Income | $314,000 | 3,927 |
Total noninterest expense | $6,214,000 | 2,195 |
Salaries and employee benefits | $3,245,000 | 2,164 |
Premises and equipment expense | $885,000 | 2,297 |
Additional noninterest expense | $2,084,000 | 2,089 |
Pre-tax net operating income | $1,116,000 | 4,988 |
Securities gains (losses) | $-56,000 | 9,815 |
Applicable income taxes | $338,000 | 4,548 |
Income before extraordinary items | $722,000 | 5,377 |
Extraordinary gains, net | $0 | 35 |
Net income | $722,000 | 5,374 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $10,000 | 6,803 |
Cash dividends | $77,000 | 6,327 |
Sale, conversion, retirement of capital stock, net | $8,036,000 | 121 |
Net operating income | $760,080 | 5,201 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $7,336,000 | 4,228 |
Total interest expense | $3,208,000 | 4,467 |
Net interest income | $4,128,000 | 4,025 |
Provision for loan and lease losses | $430,000 | 1,945 |
Total noninterest income | $329,000 | 6,210 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $194,000 | 5,226 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $135,000 | 5,944 |
Total noninterest expense | $3,442,000 | 3,668 |
Salaries and employee benefits | $1,767,000 | 3,727 |
Premises and equipment expense | $462,000 | 3,922 |
Additional noninterest expense | $1,213,000 | 3,339 |
Pre-tax net operating income | $585,000 | 6,995 |
Securities gains (losses) | $39,000 | 1,926 |
Applicable income taxes | $20,000 | 8,879 |
Income before extraordinary items | $604,000 | 6,032 |
Extraordinary gains, net | $0 | 32 |
Net income | $604,000 | 6,031 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 8,132 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $13,000 | 949 |
Net operating income | $566,170 | 6,110 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $4,543,000 | 6,182 |
Total interest expense | $1,806,000 | 6,672 |
Net interest income | $2,737,000 | 5,689 |
Provision for loan and lease losses | $348,000 | 2,341 |
Total noninterest income | $232,000 | 7,438 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $136,000 | 6,437 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $96,000 | 6,891 |
Total noninterest expense | $2,334,000 | 5,048 |
Salaries and employee benefits | $1,163,000 | 5,231 |
Premises and equipment expense | $436,000 | 4,147 |
Additional noninterest expense | $735,000 | 5,034 |
Pre-tax net operating income | $287,000 | 9,064 |
Securities gains (losses) | $26,000 | 1,720 |
Applicable income taxes | $0 | 10,065 |
Income before extraordinary items | $313,000 | 8,275 |
Extraordinary gains, net | $0 | 44 |
Net income | $313,000 | 8,276 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $30,000 | 5,964 |
Cash dividends | $0 | 7,871 |
Sale, conversion, retirement of capital stock, net | $2,903,000 | 327 |
Net operating income | $287,000 | 8,435 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,155,000 | 9,166 |
Total interest expense | $795,000 | 9,658 |
Net interest income | $1,360,000 | 8,611 |
Provision for loan and lease losses | $155,000 | 3,992 |
Total noninterest income | $82,000 | 10,243 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $48,000 | 8,902 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $34,000 | 9,653 |
Total noninterest expense | $1,637,000 | 6,749 |
Salaries and employee benefits | $797,000 | 6,997 |
Premises and equipment expense | $302,000 | 5,569 |
Additional noninterest expense | $538,000 | 6,781 |
Pre-tax net operating income | $-350,000 | 11,168 |
Securities gains (losses) | $7,000 | 2,762 |
Applicable income taxes | $0 | 10,572 |
Income before extraordinary items | $-343,000 | 11,204 |
Extraordinary gains, net | $0 | 53 |
Net income | $-343,000 | 11,203 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 8,805 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $2,598,000 | 250 |
Net operating income | $-350,000 | 11,182 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $375,000 | 11,844 |
Total interest expense | $93,000 | 11,871 |
Net interest income | $282,000 | 11,778 |
Provision for loan and lease losses | $85,000 | 4,951 |
Total noninterest income | $12,000 | 11,851 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $6,000 | 10,236 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $6,000 | 11,713 |
Total noninterest expense | $780,000 | 9,860 |
Salaries and employee benefits | $388,000 | 10,034 |
Premises and equipment expense | $144,000 | 8,429 |
Additional noninterest expense | $248,000 | 9,840 |
Pre-tax net operating income | $-571,000 | 11,813 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $0 | 11,151 |
Income before extraordinary items | $-571,000 | 11,813 |
Extraordinary gains, net | $0 | 65 |
Net income | $-571,000 | 11,811 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 8,856 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $7,405,000 | 67 |
Net operating income | $-571,000 | 11,803 |
* 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.