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Admire Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,779,000	8,652
Total interest expense	$859,000	8,516
Net interest income	$920,000	8,649
Provision for loan and lease losses	$593,000	1,645
Total noninterest income	$208,000	7,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$165,000	5,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,071
Total noninterest expense	$815,000	8,536
Salaries and employee benefits	$445,000	8,519
Premises and equipment expense	$93,000	8,565
Additional noninterest expense	$277,000	8,136
Pre-tax net operating income	$-280,000	9,400
Securities gains (losses)	$-136,000	9,497
Applicable income taxes	$-190,000	9,689
Income before extraordinary items	$-226,000	9,396
Extraordinary gains, net	$0	38
Net income	$-226,000	9,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,304
Cash dividends	$60,000	6,304
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-138,960	9,307
1999-12-31 (YTD Data)		Rank
Total interest income	$1,549,000	9,005
Total interest expense	$734,000	8,871
Net interest income	$815,000	9,021
Provision for loan and lease losses	$0	8,503
Total noninterest income	$255,000	6,899
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$199,000	5,133
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	7,849
Total noninterest expense	$737,000	8,923
Salaries and employee benefits	$434,000	8,708
Premises and equipment expense	$92,000	8,784
Additional noninterest expense	$211,000	8,919
Pre-tax net operating income	$333,000	7,906
Securities gains (losses)	$0	3,155
Applicable income taxes	$66,000	7,402
Income before extraordinary items	$267,000	7,816
Extraordinary gains, net	$0	35
Net income	$267,000	7,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	9,262
Cash dividends	$120,000	5,887
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$267,000	7,790
1998-12-31 (YTD Data)		Rank
Total interest income	$1,416,000	9,397
Total interest expense	$592,000	9,499
Net interest income	$824,000	9,190
Provision for loan and lease losses	$0	8,652
Total noninterest income	$269,000	6,788
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$190,000	5,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,213
Total noninterest expense	$627,000	9,343
Salaries and employee benefits	$339,000	9,368
Premises and equipment expense	$89,000	8,954
Additional noninterest expense	$199,000	9,125
Pre-tax net operating income	$466,000	7,552
Securities gains (losses)	$0	4,449
Applicable income taxes	$140,000	6,978
Income before extraordinary items	$326,000	7,672
Extraordinary gains, net	$0	32
Net income	$326,000	7,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	9,919
Cash dividends	$120,000	6,059
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$326,000	7,592
1997-12-31 (YTD Data)		Rank
Total interest income	$1,261,000	9,975
Total interest expense	$524,000	10,036
Net interest income	$737,000	9,841
Provision for loan and lease losses	$0	8,829
Total noninterest income	$218,000	7,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	8,605
Total noninterest expense	$592,000	9,780
Salaries and employee benefits	$313,000	9,863
Premises and equipment expense	$93,000	9,130
Additional noninterest expense	$186,000	9,586
Pre-tax net operating income	$363,000	8,654
Securities gains (losses)	$0	3,944
Applicable income taxes	$118,000	8,120
Income before extraordinary items	$245,000	8,790
Extraordinary gains, net	$0	44
Net income	$245,000	8,795
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	9,915
Cash dividends	$115,000	6,302
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$245,000	8,751
1996-12-31 (YTD Data)		Rank
Total interest income	$1,077,000	10,715
Total interest expense	$408,000	10,853
Net interest income	$669,000	10,474
Provision for loan and lease losses	$0	9,041
Total noninterest income	$217,000	7,996
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,076
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,116
Total noninterest expense	$534,000	10,452
Salaries and employee benefits	$269,000	10,587
Premises and equipment expense	$51,000	10,608
Additional noninterest expense	$214,000	9,774
Pre-tax net operating income	$352,000	8,796
Securities gains (losses)	$0	4,148
Applicable income taxes	$130,000	8,215
Income before extraordinary items	$222,000	9,091
Extraordinary gains, net	$0	53
Net income	$222,000	9,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,018
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$222,000	9,030
1995-12-31 (YTD Data)		Rank
Total interest income	$995,000	11,284
Total interest expense	$391,000	11,356
Net interest income	$604,000	11,113
Provision for loan and lease losses	$0	8,958
Total noninterest income	$180,000	8,775
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	10,278
Total noninterest expense	$489,000	11,067
Salaries and employee benefits	$235,000	11,267
Premises and equipment expense	$71,000	10,456
Additional noninterest expense	$183,000	10,646
Pre-tax net operating income	$295,000	9,775
Securities gains (losses)	$0	3,831
Applicable income taxes	$95,000	9,268
Income before extraordinary items	$200,000	9,928
Extraordinary gains, net	$0	65
Net income	$200,000	9,932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$88,000	7,072
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$200,000	9,899
1994-12-31 (YTD Data)		Rank
Total interest income	$874,000	11,939
Total interest expense	$352,000	11,823
Net interest income	$522,000	11,940
Provision for loan and lease losses	$0	9,146
Total noninterest income	$168,000	9,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	6,969
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,366
Total noninterest expense	$475,000	11,722
Salaries and employee benefits	$224,000	11,893
Premises and equipment expense	$71,000	10,948
Additional noninterest expense	$180,000	11,405
Pre-tax net operating income	$215,000	10,770
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$0	11,630
Income before extraordinary items	$213,000	10,116
Extraordinary gains, net	$0	249
Net income	$213,000	10,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,867
Cash dividends	$140,000	6,251
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$215,000	10,148
1993-12-31 (YTD Data)		Rank
Total interest income	$791,000	12,691
Total interest expense	$330,000	12,534
Net interest income	$461,000	12,663
Provision for loan and lease losses	$-35,000	12,666
Total noninterest income	$146,000	10,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,177
Total noninterest expense	$450,000	12,411
Salaries and employee benefits	$217,000	12,490
Premises and equipment expense	$64,000	11,705
Additional noninterest expense	$169,000	12,164
Pre-tax net operating income	$192,000	11,115
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$192,000	10,744
Extraordinary gains, net	$0	3,149
Net income	$192,000	10,844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	11,674
Cash dividends	$115,000	6,633
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$192,000	10,525
1992-12-31 (YTD Data)		Rank
Total interest income	$980,000	13,055
Total interest expense	$473,000	12,869
Net interest income	$507,000	13,057
Provision for loan and lease losses	$0	11,756
Total noninterest income	$149,000	10,515
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	8,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	11,401
Total noninterest expense	$462,000	12,844
Salaries and employee benefits	$221,000	12,920
Premises and equipment expense	$60,000	12,283
Additional noninterest expense	$181,000	12,510
Pre-tax net operating income	$194,000	11,125
Securities gains (losses)	$15,000	5,962
Applicable income taxes	$84,000	10,333
Income before extraordinary items	$125,000	11,619
Extraordinary gains, net	$84,000	807
Net income	$209,000	10,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$25,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$115,400	11,425

* 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.