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Atlantic Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$8,058,000	2,671
Total interest expense	$1,623,000	3,902
Net interest income	$6,435,000	2,273
Provision for loan and lease losses	$-45,000	9,088
Total noninterest income	$2,090,000	1,840
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,419,000	918
Trading account gains and fees	$0	153
Additional Noninterest Income	$671,000	2,638
Total noninterest expense	$7,208,000	1,684
Salaries and employee benefits	$2,502,000	2,517
Premises and equipment expense	$763,000	2,234
Additional noninterest expense	$3,943,000	973
Pre-tax net operating income	$1,362,000	3,736
Securities gains (losses)	$0	4,204
Applicable income taxes	$478,000	3,107
Income before extraordinary items	$884,000	4,340
Extraordinary gains, net	$0	40
Net income	$884,000	4,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,467
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$884,000	4,168
2003-06-30 (YTD Data)		Rank
Total interest income	$5,766,000	2,527
Total interest expense	$1,254,000	3,535
Net interest income	$4,512,000	2,161
Provision for loan and lease losses	$-157,000	9,217
Total noninterest income	$1,395,000	1,823
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$934,000	917
Trading account gains and fees	$0	150
Additional Noninterest Income	$461,000	2,566
Total noninterest expense	$4,984,000	1,612
Salaries and employee benefits	$1,651,000	2,545
Premises and equipment expense	$529,000	2,149
Additional noninterest expense	$2,804,000	916
Pre-tax net operating income	$1,080,000	3,332
Securities gains (losses)	$0	3,782
Applicable income taxes	$382,000	2,783
Income before extraordinary items	$698,000	3,874
Extraordinary gains, net	$0	30
Net income	$698,000	3,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,879
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$698,000	3,678
2003-03-31 (YTD Data)		Rank
Total interest income	$2,952,000	2,486
Total interest expense	$650,000	3,520
Net interest income	$2,302,000	2,122
Provision for loan and lease losses	$-117,000	9,274
Total noninterest income	$692,000	1,792
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$458,000	902
Trading account gains and fees	$0	134
Additional Noninterest Income	$234,000	2,458
Total noninterest expense	$2,496,000	1,600
Salaries and employee benefits	$804,000	2,609
Premises and equipment expense	$277,000	2,058
Additional noninterest expense	$1,415,000	879
Pre-tax net operating income	$615,000	3,018
Securities gains (losses)	$0	2,891
Applicable income taxes	$221,000	2,535
Income before extraordinary items	$394,000	3,490
Extraordinary gains, net	$0	21
Net income	$394,000	3,488
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,155
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$394,000	3,324
2002-12-31 (YTD Data)		Rank
Total interest income	$13,733,000	2,239
Total interest expense	$3,762,000	2,892
Net interest income	$9,971,000	1,944
Provision for loan and lease losses	$4,000	8,000
Total noninterest income	$2,730,000	1,671
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,868,000	862
Trading account gains and fees	$0	153
Additional Noninterest Income	$862,000	2,384
Total noninterest expense	$9,987,000	1,547
Salaries and employee benefits	$3,116,000	2,531
Premises and equipment expense	$1,069,000	2,049
Additional noninterest expense	$5,802,000	858
Pre-tax net operating income	$2,710,000	2,710
Securities gains (losses)	$0	4,537
Applicable income taxes	$959,000	2,276
Income before extraordinary items	$1,751,000	3,101
Extraordinary gains, net	$0	70
Net income	$1,751,000	3,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	4,084
Cash dividends	$1,800,000	1,431
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,751,000	3,005
2001-12-31 (YTD Data)		Rank
Total interest income	$14,699,000	2,331
Total interest expense	$5,961,000	2,683
Net interest income	$8,738,000	2,042
Provision for loan and lease losses	$-565,000	9,579
Total noninterest income	$2,436,000	1,714
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,678,000	874
Trading account gains and fees	$0	177
Additional Noninterest Income	$758,000	2,465
Total noninterest expense	$9,656,000	1,520
Salaries and employee benefits	$3,091,000	2,435
Premises and equipment expense	$1,102,000	1,951
Additional noninterest expense	$5,463,000	894
Pre-tax net operating income	$2,083,000	3,086
Securities gains (losses)	$0	4,612
Applicable income taxes	$465,000	3,450
Income before extraordinary items	$1,618,000	3,047
Extraordinary gains, net	$0	105
Net income	$1,618,000	3,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-544,000	9,598
Cash dividends	$3,379,000	827
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,618,000	2,949
2000-12-31 (YTD Data)		Rank
Total interest income	$14,798,000	2,364
Total interest expense	$6,429,000	2,592
Net interest income	$8,369,000	2,117
Provision for loan and lease losses	$638,000	1,528
Total noninterest income	$2,116,000	1,790
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,336,000	1,008
Trading account gains and fees	$0	180
Additional Noninterest Income	$780,000	2,186
Total noninterest expense	$9,259,000	1,507
Salaries and employee benefits	$2,843,000	2,512
Premises and equipment expense	$1,130,000	1,851
Additional noninterest expense	$5,286,000	913
Pre-tax net operating income	$588,000	6,633
Securities gains (losses)	$0	1,956
Applicable income taxes	$132,000	6,132
Income before extraordinary items	$456,000	6,560
Extraordinary gains, net	$0	38
Net income	$456,000	6,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$555,000	1,152
Cash dividends	$300,000	4,469
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$456,000	6,574
1999-12-31 (YTD Data)		Rank
Total interest income	$14,073,000	2,314
Total interest expense	$6,244,000	2,350
Net interest income	$7,829,000	2,244
Provision for loan and lease losses	$429,000	1,986
Total noninterest income	$1,744,000	2,047
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,140,000	1,169
Trading account gains and fees	$0	173
Additional Noninterest Income	$604,000	2,615
Total noninterest expense	$9,151,000	1,518
Salaries and employee benefits	$2,665,000	2,657
Premises and equipment expense	$978,000	2,091
Additional noninterest expense	$5,508,000	894
Pre-tax net operating income	$-7,000	9,428
Securities gains (losses)	$0	3,155
Applicable income taxes	$-39,000	9,791
Income before extraordinary items	$32,000	9,321
Extraordinary gains, net	$0	35
Net income	$32,000	9,316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,376
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$32,000	9,289
1998-12-31 (YTD Data)		Rank
Total interest income	$11,614,000	2,782
Total interest expense	$5,783,000	2,622
Net interest income	$5,831,000	2,961
Provision for loan and lease losses	$183,000	3,696
Total noninterest income	$1,318,000	2,495
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$788,000	1,608
Trading account gains and fees	NA	NA
Additional Noninterest Income	$530,000	2,872
Total noninterest expense	$5,628,000	2,326
Salaries and employee benefits	$2,276,000	2,961
Premises and equipment expense	$732,000	2,666
Additional noninterest expense	$2,620,000	1,643
Pre-tax net operating income	$1,338,000	4,533
Securities gains (losses)	$0	4,449
Applicable income taxes	$466,000	4,030
Income before extraordinary items	$872,000	4,927
Extraordinary gains, net	$0	32
Net income	$872,000	4,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,719
Cash dividends	$1,059,000	2,114
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$872,000	4,845
1997-12-31 (YTD Data)		Rank
Total interest income	$4,074,000	6,591
Total interest expense	$1,650,000	7,007
Net interest income	$2,424,000	6,170
Provision for loan and lease losses	$-13,000	10,625
Total noninterest income	$498,000	5,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$248,000	4,688
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	4,364
Total noninterest expense	$2,282,000	5,135
Salaries and employee benefits	$1,004,000	5,848
Premises and equipment expense	$364,000	4,761
Additional noninterest expense	$914,000	4,245
Pre-tax net operating income	$653,000	7,192
Securities gains (losses)	$0	3,944
Applicable income taxes	$239,000	6,377
Income before extraordinary items	$414,000	7,551
Extraordinary gains, net	$0	44
Net income	$414,000	7,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,448
Cash dividends	$550,000	3,253
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$414,000	7,496
1996-12-31 (YTD Data)		Rank
Total interest income	$4,147,000	6,721
Total interest expense	$1,694,000	7,100
Net interest income	$2,453,000	6,274
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$466,000	5,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$240,000	4,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$226,000	4,843
Total noninterest expense	$2,264,000	5,415
Salaries and employee benefits	$846,000	6,738
Premises and equipment expense	$345,000	5,056
Additional noninterest expense	$1,073,000	4,161
Pre-tax net operating income	$643,000	7,208
Securities gains (losses)	$0	4,148
Applicable income taxes	$243,000	6,547
Income before extraordinary items	$400,000	7,617
Extraordinary gains, net	$0	53
Net income	$400,000	7,617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,513
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$200,000	575
Net operating income	$400,000	7,552
1995-12-31 (YTD Data)		Rank
Total interest income	$4,279,000	6,715
Total interest expense	$1,794,000	6,916
Net interest income	$2,485,000	6,347
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$431,000	5,695
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$271,000	4,662
Trading account gains and fees	NA	NA
Additional Noninterest Income	$160,000	5,798
Total noninterest expense	$1,869,000	6,305
Salaries and employee benefits	$872,000	6,694
Premises and equipment expense	$335,000	5,198
Additional noninterest expense	$662,000	6,108
Pre-tax net operating income	$1,017,000	5,922
Securities gains (losses)	$0	3,831
Applicable income taxes	$376,000	5,161
Income before extraordinary items	$641,000	6,370
Extraordinary gains, net	$0	65
Net income	$641,000	6,368
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	$0	809
Net operating income	$641,000	6,355
1994-12-31 (YTD Data)		Rank
Total interest income	$3,928,000	6,794
Total interest expense	$1,422,000	7,135
Net interest income	$2,506,000	6,476
Provision for loan and lease losses	$61,000	5,573
Total noninterest income	$337,000	6,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$272,000	4,727
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,873
Total noninterest expense	$1,876,000	6,506
Salaries and employee benefits	$902,000	6,620
Premises and equipment expense	$331,000	5,289
Additional noninterest expense	$643,000	6,716
Pre-tax net operating income	$906,000	6,367
Securities gains (losses)	$-260,000	12,055
Applicable income taxes	$228,000	6,882
Income before extraordinary items	$418,000	8,013
Extraordinary gains, net	$0	249
Net income	$418,000	8,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$142,000	6,233
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$587,000	6,705
1993-12-31 (YTD Data)		Rank
Total interest income	$3,804,000	7,111
Total interest expense	$1,463,000	7,327
Net interest income	$2,341,000	6,837
Provision for loan and lease losses	$91,000	5,992
Total noninterest income	$314,000	7,458
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$301,000	4,413
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$1,789,000	6,918
Salaries and employee benefits	$912,000	6,642
Premises and equipment expense	$174,000	8,281
Additional noninterest expense	$703,000	6,530
Pre-tax net operating income	$775,000	6,950
Securities gains (losses)	$0	7,477
Applicable income taxes	$288,000	6,233
Income before extraordinary items	$487,000	7,664
Extraordinary gains, net	$101,000	1,554
Net income	$588,000	7,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	6,513
Cash dividends	$170,000	5,821
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$487,000	7,407
1992-12-31 (YTD Data)		Rank
Total interest income	$3,996,000	7,517
Total interest expense	$1,867,000	7,432
Net interest income	$2,129,000	7,425
Provision for loan and lease losses	$140,000	6,292
Total noninterest income	$352,000	7,085
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$300,000	4,436
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	10,289
Total noninterest expense	$1,666,000	7,351
Salaries and employee benefits	$875,000	6,767
Premises and equipment expense	$281,000	6,265
Additional noninterest expense	$510,000	8,364
Pre-tax net operating income	$675,000	7,240
Securities gains (losses)	$0	8,369
Applicable income taxes	$238,000	6,864
Income before extraordinary items	$437,000	7,867
Extraordinary gains, net	$0	1,422
Net income	$437,000	7,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	6,645
Cash dividends	$139,000	5,950
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$437,000	7,510

* 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.