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FirstService Bank, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$20,626,0001,492
Total interest expense$6,382,0001,788
Net interest income$14,244,0001,360
Provision for loan and lease losses$654,0001,931
Total noninterest income$4,606,0001,138
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$785,0002,032
Trading account gains and fees$0153
Additional Noninterest Income$3,821,000845
Total noninterest expense$13,674,0001,126
Salaries and employee benefits$8,646,000934
Premises and equipment expense$1,705,0001,286
Additional noninterest expense$3,323,0001,422
Pre-tax net operating income$4,522,0001,796
Securities gains (losses)$140,0001,438
Applicable income taxes$1,122,0002,031
Income before extraordinary items$3,540,0001,693
Extraordinary gains, net$070
Net income$3,540,0001,692
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,0009,180
Cash dividends$668,0002,977
Sale, conversion, retirement of capital stock, net$1,981,000297
Net operating income$3,433,6001,691
2001-12-31 (YTD Data)Rank
Total interest income$21,363,0001,587
Total interest expense$9,555,0001,704
Net interest income$11,808,0001,509
Provision for loan and lease losses$846,0001,434
Total noninterest income$2,427,0001,720
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$738,0002,045
Trading account gains and fees$0177
Additional Noninterest Income$1,689,0001,402
Total noninterest expense$10,405,0001,409
Salaries and employee benefits$6,095,0001,223
Premises and equipment expense$1,408,0001,533
Additional noninterest expense$2,902,0001,601
Pre-tax net operating income$2,984,0002,276
Securities gains (losses)$31,0002,791
Applicable income taxes$787,0002,457
Income before extraordinary items$2,228,0002,306
Extraordinary gains, net$0105
Net income$2,228,0002,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$171,0003,149
Cash dividends$404,0003,824
Sale, conversion, retirement of capital stock, net$245,000562
Net operating income$2,205,0602,259
2000-12-31 (YTD Data)Rank
Total interest income$18,293,0001,913
Total interest expense$8,822,0001,956
Net interest income$9,471,0001,861
Provision for loan and lease losses$682,0001,453
Total noninterest income$1,209,0002,743
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$536,0002,525
Trading account gains and fees$0180
Additional Noninterest Income$673,0002,440
Total noninterest expense$8,115,0001,711
Salaries and employee benefits$4,415,0001,613
Premises and equipment expense$1,201,0001,738
Additional noninterest expense$2,499,0001,777
Pre-tax net operating income$1,883,0003,473
Securities gains (losses)$-365,0009,671
Applicable income taxes$472,0003,608
Income before extraordinary items$1,046,0004,249
Extraordinary gains, net$038
Net income$1,046,0004,250
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$168,0002,683
Cash dividends$322,0004,346
Sale, conversion, retirement of capital stock, net$276,000603
Net operating income$1,297,8503,632
1999-12-31 (YTD Data)Rank
Total interest income$12,753,0002,568
Total interest expense$5,547,0002,663
Net interest income$7,206,0002,447
Provision for loan and lease losses$446,0001,937
Total noninterest income$570,0004,578
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$256,0004,455
Trading account gains and fees$0173
Additional Noninterest Income$314,0003,927
Total noninterest expense$6,214,0002,195
Salaries and employee benefits$3,245,0002,164
Premises and equipment expense$885,0002,297
Additional noninterest expense$2,084,0002,089
Pre-tax net operating income$1,116,0004,988
Securities gains (losses)$-56,0009,815
Applicable income taxes$338,0004,548
Income before extraordinary items$722,0005,377
Extraordinary gains, net$035
Net income$722,0005,374
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0006,803
Cash dividends$77,0006,327
Sale, conversion, retirement of capital stock, net$8,036,000121
Net operating income$760,0805,201
1998-12-31 (YTD Data)Rank
Total interest income$7,336,0004,228
Total interest expense$3,208,0004,467
Net interest income$4,128,0004,025
Provision for loan and lease losses$430,0001,945
Total noninterest income$329,0006,210
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$194,0005,226
Trading account gains and feesNANA
Additional Noninterest Income$135,0005,944
Total noninterest expense$3,442,0003,668
Salaries and employee benefits$1,767,0003,727
Premises and equipment expense$462,0003,922
Additional noninterest expense$1,213,0003,339
Pre-tax net operating income$585,0006,995
Securities gains (losses)$39,0001,926
Applicable income taxes$20,0008,879
Income before extraordinary items$604,0006,032
Extraordinary gains, net$032
Net income$604,0006,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$13,000949
Net operating income$566,1706,110
1997-12-31 (YTD Data)Rank
Total interest income$4,543,0006,182
Total interest expense$1,806,0006,672
Net interest income$2,737,0005,689
Provision for loan and lease losses$348,0002,341
Total noninterest income$232,0007,438
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$136,0006,437
Trading account gains and feesNANA
Additional Noninterest Income$96,0006,891
Total noninterest expense$2,334,0005,048
Salaries and employee benefits$1,163,0005,231
Premises and equipment expense$436,0004,147
Additional noninterest expense$735,0005,034
Pre-tax net operating income$287,0009,064
Securities gains (losses)$26,0001,720
Applicable income taxes$010,065
Income before extraordinary items$313,0008,275
Extraordinary gains, net$044
Net income$313,0008,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,964
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$2,903,000327
Net operating income$287,0008,435
1996-12-31 (YTD Data)Rank
Total interest income$2,155,0009,166
Total interest expense$795,0009,658
Net interest income$1,360,0008,611
Provision for loan and lease losses$155,0003,992
Total noninterest income$82,00010,243
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,0008,902
Trading account gains and feesNANA
Additional Noninterest Income$34,0009,653
Total noninterest expense$1,637,0006,749
Salaries and employee benefits$797,0006,997
Premises and equipment expense$302,0005,569
Additional noninterest expense$538,0006,781
Pre-tax net operating income$-350,00011,168
Securities gains (losses)$7,0002,762
Applicable income taxes$010,572
Income before extraordinary items$-343,00011,204
Extraordinary gains, net$053
Net income$-343,00011,203
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$2,598,000250
Net operating income$-350,00011,182
1995-12-31 (YTD Data)Rank
Total interest income$375,00011,844
Total interest expense$93,00011,871
Net interest income$282,00011,778
Provision for loan and lease losses$85,0004,951
Total noninterest income$12,00011,851
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$6,00010,236
Trading account gains and feesNANA
Additional Noninterest Income$6,00011,713
Total noninterest expense$780,0009,860
Salaries and employee benefits$388,00010,034
Premises and equipment expense$144,0008,429
Additional noninterest expense$248,0009,840
Pre-tax net operating income$-571,00011,813
Securities gains (losses)$03,831
Applicable income taxes$011,151
Income before extraordinary items$-571,00011,813
Extraordinary gains, net$065
Net income$-571,00011,811
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$7,405,00067
Net operating income$-571,00011,803

* 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.