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Admiralty Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$4,185,0001,759
Total interest expense$1,031,0002,373
Net interest income$3,154,0001,545
Provision for loan and lease losses$244,0001,155
Total noninterest income$204,0004,110
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$161,0002,444
Trading account gains and fees$0134
Additional Noninterest Income$43,0005,547
Total noninterest expense$2,187,0001,795
Salaries and employee benefits$1,063,0001,998
Premises and equipment expense$453,0001,273
Additional noninterest expense$671,0001,750
Pre-tax net operating income$927,0002,182
Securities gains (losses)$02,891
Applicable income taxes$357,0001,786
Income before extraordinary items$570,0002,662
Extraordinary gains, net$021
Net income$570,0002,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0003,227
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$570,0002,527
2002-12-31 (YTD Data)Rank
Total interest income$33,794,000903
Total interest expense$11,923,000940
Net interest income$21,871,000893
Provision for loan and lease losses$1,393,0001,007
Total noninterest income$1,223,0003,034
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$793,0002,014
Trading account gains and fees$0153
Additional Noninterest Income$430,0003,563
Total noninterest expense$12,517,0001,224
Salaries and employee benefits$6,693,0001,201
Premises and equipment expense$2,822,000780
Additional noninterest expense$3,002,0001,576
Pre-tax net operating income$9,184,000934
Securities gains (losses)$04,537
Applicable income taxes$3,404,000829
Income before extraordinary items$5,780,0001,083
Extraordinary gains, net$070
Net income$5,780,0001,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$802,0001,158
Cash dividends$750,0002,751
Sale, conversion, retirement of capital stock, net$0862
Net operating income$5,780,0001,038
2001-12-31 (YTD Data)Rank
Total interest income$30,363,0001,120
Total interest expense$14,709,0001,092
Net interest income$15,654,0001,136
Provision for loan and lease losses$2,528,000580
Total noninterest income$1,167,0002,983
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$768,0001,974
Trading account gains and fees$0177
Additional Noninterest Income$399,0003,538
Total noninterest expense$11,839,0001,229
Salaries and employee benefits$6,256,0001,192
Premises and equipment expense$2,480,000848
Additional noninterest expense$3,103,0001,503
Pre-tax net operating income$2,454,0002,701
Securities gains (losses)$04,612
Applicable income taxes$952,0002,149
Income before extraordinary items$1,502,0003,222
Extraordinary gains, net$0105
Net income$1,502,0003,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$65,0004,750
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$12,864,00053
Net operating income$1,502,0003,118
2000-12-31 (YTD Data)Rank
Total interest income$16,780,0002,101
Total interest expense$7,965,0002,152
Net interest income$8,815,0002,014
Provision for loan and lease losses$1,442,000792
Total noninterest income$1,013,0003,094
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$607,0002,267
Trading account gains and fees$0180
Additional Noninterest Income$406,0003,305
Total noninterest expense$7,298,0001,907
Salaries and employee benefits$3,617,0001,980
Premises and equipment expense$1,519,0001,345
Additional noninterest expense$2,162,0002,005
Pre-tax net operating income$1,088,0005,033
Securities gains (losses)$17,000991
Applicable income taxes$414,0003,919
Income before extraordinary items$691,0005,458
Extraordinary gains, net$038
Net income$691,0005,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0004,010
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$680,1205,492
1999-12-31 (YTD Data)Rank
Total interest income$7,931,0003,933
Total interest expense$2,448,0005,259
Net interest income$5,483,0003,164
Provision for loan and lease losses$525,0001,698
Total noninterest income$1,074,0002,938
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$582,0002,297
Trading account gains and feesNANA
Additional Noninterest Income$492,0002,981
Total noninterest expense$5,252,0002,573
Salaries and employee benefits$2,271,0003,062
Premises and equipment expense$1,175,0001,746
Additional noninterest expense$1,806,0002,415
Pre-tax net operating income$780,0005,999
Securities gains (losses)$03,155
Applicable income taxes$438,0003,924
Income before extraordinary items$342,0007,338
Extraordinary gains, net$035
Net income$342,0007,340
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$110,0003,405
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$342,0007,311
1998-12-31 (YTD Data)Rank
Total interest income$4,112,0006,385
Total interest expense$1,164,0007,992
Net interest income$2,948,0005,190
Provision for loan and lease losses$385,0002,131
Total noninterest income$878,0003,370
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$262,0004,341
Trading account gains and feesNANA
Additional Noninterest Income$616,0002,600
Total noninterest expense$3,858,0003,322
Salaries and employee benefits$1,479,0004,289
Premises and equipment expense$830,0002,352
Additional noninterest expense$1,549,0002,692
Pre-tax net operating income$-417,00010,146
Securities gains (losses)$-39,00010,354
Applicable income taxes$-40,00010,113
Income before extraordinary items$-416,00010,192
Extraordinary gains, net$032
Net income$-416,00010,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$161,0002,803
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$-358,00010,383
Net operating income$-380,51010,141
1997-12-31 (YTD Data)Rank
Total interest income$3,529,0007,126
Total interest expense$1,197,0008,123
Net interest income$2,332,0006,312
Provision for loan and lease losses$435,0001,971
Total noninterest income$1,513,0002,179
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$311,0003,961
Trading account gains and feesNANA
Additional Noninterest Income$1,202,0001,554
Total noninterest expense$2,402,0004,947
Salaries and employee benefits$904,0006,263
Premises and equipment expense$618,0003,061
Additional noninterest expense$880,0004,391
Pre-tax net operating income$1,008,0005,810
Securities gains (losses)$87,0001,050
Applicable income taxes$-244,00010,811
Income before extraordinary items$1,339,0003,703
Extraordinary gains, net$044
Net income$1,339,0003,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$422,0001,529
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,252,0003,847
1996-12-31 (YTD Data)Rank
Total interest income$3,245,0007,673
Total interest expense$1,134,0008,585
Net interest income$2,111,0006,933
Provision for loan and lease losses$297,0002,617
Total noninterest income$1,478,0002,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$399,0003,345
Trading account gains and feesNANA
Additional Noninterest Income$1,079,0001,714
Total noninterest expense$2,916,0004,388
Salaries and employee benefits$920,0006,369
Premises and equipment expense$579,0003,327
Additional noninterest expense$1,417,0003,273
Pre-tax net operating income$376,0008,652
Securities gains (losses)$437,000446
Applicable income taxes$15,00010,291
Income before extraordinary items$798,0005,324
Extraordinary gains, net$053
Net income$798,0005,325
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$275,0002,201
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$369,7407,799
1995-12-31 (YTD Data)Rank
Total interest income$2,915,0008,337
Total interest expense$1,244,0008,447
Net interest income$1,671,0008,092
Provision for loan and lease losses$93,0004,787
Total noninterest income$936,0003,264
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$266,0004,717
Trading account gains and feesNANA
Additional Noninterest Income$670,0002,362
Total noninterest expense$2,601,0004,827
Salaries and employee benefits$917,0006,481
Premises and equipment expense$582,0003,288
Additional noninterest expense$1,102,0004,018
Pre-tax net operating income$-87,00011,588
Securities gains (losses)$34,0001,546
Applicable income taxes$011,151
Income before extraordinary items$-53,00011,565
Extraordinary gains, net$065
Net income$-53,00011,564
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0003,579
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$500,000374
Net operating income$-87,00011,576
1994-12-31 (YTD Data)Rank
Total interest income$1,957,0009,878
Total interest expense$795,0009,631
Net interest income$1,162,0009,857
Provision for loan and lease losses$-246,00012,362
Total noninterest income$303,0007,201
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$148,0006,941
Trading account gains and feesNANA
Additional Noninterest Income$155,0006,118
Total noninterest expense$2,093,0005,980
Salaries and employee benefits$842,0006,965
Premises and equipment expense$510,0003,737
Additional noninterest expense$741,0006,047
Pre-tax net operating income$-382,00012,339
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$-382,00012,311
Extraordinary gains, net$0249
Net income$-382,00012,308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-286,00012,471
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$500,000544
Net operating income$-382,00012,321
1993-12-31 (YTD Data)Rank
Total interest income$1,760,00010,678
Total interest expense$766,00010,229
Net interest income$994,00010,802
Provision for loan and lease losses$29,0008,543
Total noninterest income$150,00010,210
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$96,0008,486
Trading account gains and feesNANA
Additional Noninterest Income$54,0009,868
Total noninterest expense$2,408,0005,433
Salaries and employee benefits$754,0007,618
Premises and equipment expense$601,0003,328
Additional noninterest expense$1,053,0004,708
Pre-tax net operating income$-1,293,00013,018
Securities gains (losses)$2,0006,773
Applicable income taxes$012,141
Income before extraordinary items$-1,291,00013,033
Extraordinary gains, net$03,149
Net income$-1,291,00013,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$245,0002,777
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$2,000,000347
Net operating income$-1,293,00013,000
1992-12-31 (YTD Data)Rank
Total interest income$2,807,0009,312
Total interest expense$1,124,0009,893
Net interest income$1,683,0008,710
Provision for loan and lease losses$430,0003,303
Total noninterest income$197,0009,474
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0007,760
Trading account gains and feesNANA
Additional Noninterest Income$70,0009,281
Total noninterest expense$3,075,0004,419
Salaries and employee benefits$916,0006,526
Premises and equipment expense$585,0003,441
Additional noninterest expense$1,574,0003,450
Pre-tax net operating income$-1,625,00013,590
Securities gains (losses)$326,0001,462
Applicable income taxes$012,680
Income before extraordinary items$-1,299,00013,595
Extraordinary gains, net$01,422
Net income$-1,299,00013,591
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$756,0001,885
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$500,000549
Net operating income$-1,625,00013,584

* 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.