Home > Florida Bank of Commerce > Income and Expense
Florida Bank of Commerce, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 6,347 |
| Total interest expense | $2,266,000 | 5,723 |
| Net interest income | $1,740,000 | 6,908 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $276,000 | 6,618 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $182,000 | 5,365 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $94,000 | 6,569 |
| Total noninterest expense | $1,603,000 | 6,568 |
| Salaries and employee benefits | $838,000 | 6,625 |
| Premises and equipment expense | $268,000 | 5,874 |
| Additional noninterest expense | $497,000 | 6,456 |
| Pre-tax net operating income | $383,000 | 7,055 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $144,000 | 5,510 |
| Income before extraordinary items | $239,000 | 7,497 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $239,000 | 7,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 9,248 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $239,000 | 7,381 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 6,698 |
| Total interest expense | $1,989,000 | 6,293 |
| Net interest income | $1,746,000 | 7,021 |
| Provision for loan and lease losses | $130,000 | 4,683 |
| Total noninterest income | $406,000 | 5,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 4,793 |
| Total noninterest expense | $1,529,000 | 6,682 |
| Salaries and employee benefits | $793,000 | 6,761 |
| Premises and equipment expense | $254,000 | 5,991 |
| Additional noninterest expense | $482,000 | 6,559 |
| Pre-tax net operating income | $493,000 | 7,037 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $186,000 | 5,536 |
| Income before extraordinary items | $307,000 | 7,428 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $307,000 | 7,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,226 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $307,000 | 7,431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 7,354 |
| Total interest expense | $1,508,000 | 6,954 |
| Net interest income | $1,512,000 | 7,562 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $622,000 | 4,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,455 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $366,000 | 3,605 |
| Total noninterest expense | $1,389,000 | 7,066 |
| Salaries and employee benefits | $699,000 | 7,240 |
| Premises and equipment expense | $248,000 | 6,065 |
| Additional noninterest expense | $442,000 | 6,958 |
| Pre-tax net operating income | $670,000 | 6,432 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $250,000 | 5,204 |
| Income before extraordinary items | $420,000 | 6,874 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $420,000 | 6,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,087 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $420,000 | 6,847 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,495,000 | 8,102 |
| Total interest expense | $1,288,000 | 7,706 |
| Net interest income | $1,207,000 | 8,317 |
| Provision for loan and lease losses | $45,000 | 6,783 |
| Total noninterest income | $633,000 | 4,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $435,000 | 3,248 |
| Total noninterest expense | $1,309,000 | 7,224 |
| Salaries and employee benefits | $635,000 | 7,561 |
| Premises and equipment expense | $258,000 | 5,848 |
| Additional noninterest expense | $416,000 | 7,090 |
| Pre-tax net operating income | $486,000 | 7,447 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $182,000 | 6,400 |
| Income before extraordinary items | $304,000 | 7,854 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $304,000 | 7,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $14,000 | 7,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $304,000 | 7,763 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 9,020 |
| Total interest expense | $941,000 | 8,851 |
| Net interest income | $1,054,000 | 9,055 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $585,000 | 4,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 4,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 3,600 |
| Total noninterest expense | $1,131,000 | 7,902 |
| Salaries and employee benefits | $535,000 | 8,361 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $352,000 | 7,791 |
| Pre-tax net operating income | $433,000 | 8,272 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $165,000 | 7,393 |
| Income before extraordinary items | $270,000 | 8,599 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $270,000 | 8,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,805 |
| Cash dividends | $19,000 | 7,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $268,720 | 8,577 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 10,035 |
| Total interest expense | $691,000 | 9,990 |
| Net interest income | $864,000 | 9,931 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $606,000 | 4,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,126 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $378,000 | 3,508 |
| Total noninterest expense | $1,092,000 | 8,358 |
| Salaries and employee benefits | $495,000 | 8,923 |
| Premises and equipment expense | $256,000 | 6,170 |
| Additional noninterest expense | $341,000 | 8,444 |
| Pre-tax net operating income | $368,000 | 8,705 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $135,000 | 8,126 |
| Income before extraordinary items | $233,000 | 8,976 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $233,000 | 8,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $34,000 | 7,802 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 797 |
| Net operating income | $233,000 | 8,920 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 10,679 |
| Total interest expense | $562,000 | 10,803 |
| Net interest income | $843,000 | 10,407 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $504,000 | 5,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,028 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $322,000 | 3,841 |
| Total noninterest expense | $1,106,000 | 8,550 |
| Salaries and employee benefits | $453,000 | 9,510 |
| Premises and equipment expense | $206,000 | 7,074 |
| Additional noninterest expense | $447,000 | 7,736 |
| Pre-tax net operating income | $216,000 | 10,359 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-896,000 | 11,898 |
| Income before extraordinary items | $1,112,000 | 4,216 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,112,000 | 4,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $140,000 | 526 |
| Net operating income | $1,112,000 | 4,194 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,246,000 | 11,255 |
| Total interest expense | $545,000 | 10,877 |
| Net interest income | $701,000 | 11,376 |
| Provision for loan and lease losses | $-143,000 | 12,250 |
| Total noninterest income | $442,000 | 5,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 6,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,192 |
| Total noninterest expense | $1,268,000 | 8,368 |
| Salaries and employee benefits | $441,000 | 9,905 |
| Premises and equipment expense | $271,000 | 6,158 |
| Additional noninterest expense | $556,000 | 7,385 |
| Pre-tax net operating income | $18,000 | 12,027 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-44,000 | 12,197 |
| Income before extraordinary items | $62,000 | 11,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $62,000 | 11,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,693 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $453,000 | 563 |
| Net operating income | $62,000 | 11,760 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 11,769 |
| Total interest expense | $476,000 | 11,800 |
| Net interest income | $785,000 | 11,557 |
| Provision for loan and lease losses | $234,000 | 3,587 |
| Total noninterest income | $417,000 | 6,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 7,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,801 |
| Total noninterest expense | $1,892,000 | 6,643 |
| Salaries and employee benefits | $519,000 | 9,467 |
| Premises and equipment expense | $310,000 | 5,690 |
| Additional noninterest expense | $1,063,000 | 4,673 |
| Pre-tax net operating income | $-924,000 | 12,964 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-924,000 | 12,988 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-924,000 | 12,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 4,185 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-924,000 | 12,946 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 11,654 |
| Total interest expense | $837,000 | 11,157 |
| Net interest income | $793,000 | 11,930 |
| Provision for loan and lease losses | $348,000 | 3,799 |
| Total noninterest income | $479,000 | 5,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $315,000 | 4,301 |
| Total noninterest expense | $1,587,000 | 7,617 |
| Salaries and employee benefits | $577,000 | 9,014 |
| Premises and equipment expense | $330,000 | 5,602 |
| Additional noninterest expense | $680,000 | 6,884 |
| Pre-tax net operating income | $-663,000 | 13,379 |
| Securities gains (losses) | $27,000 | 5,154 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-636,000 | 13,437 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-636,000 | 13,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 2,865 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-663,000 | 13,356 |
* 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.