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Advance Bank, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$4,225,0003,344
Total interest expense$497,0006,404
Net interest income$3,728,0002,606
Provision for loan and lease losses$07,324
Total noninterest income$232,0005,655
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$169,0004,024
Trading account gains and fees$0150
Additional Noninterest Income$63,0006,165
Total noninterest expense$1,338,0004,959
Salaries and employee benefits$906,0004,236
Premises and equipment expense$114,0006,421
Additional noninterest expense$318,0005,776
Pre-tax net operating income$2,622,0001,601
Securities gains (losses)$03,782
Applicable income taxes$884,0001,500
Income before extraordinary items$1,738,0001,854
Extraordinary gains, net$030
Net income$1,738,0001,853
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0004,597
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,738,0001,732
2003-03-31 (YTD Data)Rank
Total interest income$9,309,000798
Total interest expense$3,240,000749
Net interest income$6,069,000797
Provision for loan and lease losses$06,934
Total noninterest income$790,0001,594
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$641,000650
Trading account gains and fees$0134
Additional Noninterest Income$149,0003,225
Total noninterest expense$4,982,000815
Salaries and employee benefits$3,033,000716
Premises and equipment expense$852,000682
Additional noninterest expense$1,097,0001,124
Pre-tax net operating income$1,877,0001,151
Securities gains (losses)$17,0001,982
Applicable income taxes$508,0001,361
Income before extraordinary items$1,386,0001,198
Extraordinary gains, net$021
Net income$1,386,0001,197
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0003,340
Cash dividends$485,0001,257
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,373,5901,127
2002-12-31 (YTD Data)Rank
Total interest income$39,912,000761
Total interest expense$14,399,000775
Net interest income$25,513,000742
Provision for loan and lease losses$1,650,000870
Total noninterest income$4,708,0001,109
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$2,514,000655
Trading account gains and fees$0153
Additional Noninterest Income$2,194,0001,232
Total noninterest expense$20,904,000765
Salaries and employee benefits$12,679,000638
Premises and equipment expense$3,123,000712
Additional noninterest expense$5,102,000979
Pre-tax net operating income$7,667,0001,100
Securities gains (losses)$331,000838
Applicable income taxes$1,811,0001,404
Income before extraordinary items$6,187,0001,017
Extraordinary gains, net$070
Net income$6,187,0001,018
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,705
Cash dividends$2,075,0001,270
Sale, conversion, retirement of capital stock, net$0862
Net operating income$5,932,1301,017
2001-12-31 (YTD Data)Rank
Total interest income$41,168,000831
Total interest expense$20,260,000806
Net interest income$20,908,000842
Provision for loan and lease losses$5,055,000356
Total noninterest income$3,964,0001,184
Gross Fiduciary activities income$39,0001,183
Service charges on deposit accounts$2,675,000569
Trading account gains and fees$0177
Additional Noninterest Income$1,250,0001,742
Total noninterest expense$19,838,000764
Salaries and employee benefits$11,368,000664
Premises and equipment expense$3,056,000702
Additional noninterest expense$5,414,000900
Pre-tax net operating income$-21,0008,771
Securities gains (losses)$2,555,000209
Applicable income taxes$203,0005,004
Income before extraordinary items$2,331,0002,223
Extraordinary gains, net$0105
Net income$2,331,0002,226
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,863,000371
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-19,6008,775
2000-12-31 (YTD Data)Rank
Total interest income$36,009,000981
Total interest expense$18,750,000958
Net interest income$17,259,0001,011
Provision for loan and lease losses$-439,0009,874
Total noninterest income$4,348,0001,021
Gross Fiduciary activities income$117,000909
Service charges on deposit accounts$2,747,000492
Trading account gains and fees$0180
Additional Noninterest Income$1,484,0001,388
Total noninterest expense$19,623,000764
Salaries and employee benefits$10,079,000701
Premises and equipment expense$3,465,000619
Additional noninterest expense$6,079,000818
Pre-tax net operating income$2,423,0002,833
Securities gains (losses)$-443,0009,693
Applicable income taxes$-11,0009,330
Income before extraordinary items$1,991,0002,583
Extraordinary gains, net$038
Net income$1,991,0002,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,622
Cash dividends$588,0003,275
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,434,0002,132
1999-12-31 (YTD Data)Rank
Total interest income$33,096,000998
Total interest expense$15,284,0001,004
Net interest income$17,812,000989
Provision for loan and lease losses$295,0002,723
Total noninterest income$3,488,0001,195
Gross Fiduciary activities income$138,000936
Service charges on deposit accounts$2,621,000517
Trading account gains and fees$0173
Additional Noninterest Income$729,0002,308
Total noninterest expense$20,358,000753
Salaries and employee benefits$7,433,000927
Premises and equipment expense$3,553,000617
Additional noninterest expense$9,372,000636
Pre-tax net operating income$647,0006,536
Securities gains (losses)$03,155
Applicable income taxes$309,0004,751
Income before extraordinary items$338,0007,357
Extraordinary gains, net$035
Net income$338,0007,358
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,286,000607
Cash dividends$1,676,0001,550
Sale, conversion, retirement of capital stock, net$-10,156,00010,214
Net operating income$338,0007,329
1998-12-31 (YTD Data)Rank
Total interest income$13,979,0002,331
Total interest expense$6,283,0002,398
Net interest income$7,696,0002,223
Provision for loan and lease losses$90,0005,311
Total noninterest income$2,203,0001,695
Gross Fiduciary activities income$128,000966
Service charges on deposit accounts$1,529,000807
Trading account gains and fees$0224
Additional Noninterest Income$546,0002,824
Total noninterest expense$7,025,0001,850
Salaries and employee benefits$3,195,0002,119
Premises and equipment expense$1,148,0001,719
Additional noninterest expense$2,682,0001,609
Pre-tax net operating income$2,784,0002,544
Securities gains (losses)$-3,0009,968
Applicable income taxes$508,0003,793
Income before extraordinary items$2,273,0002,286
Extraordinary gains, net$032
Net income$2,273,0002,285
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,026
Cash dividends$1,890,0001,401
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,275,4602,206
1997-12-31 (YTD Data)Rank
Total interest income$14,849,0002,202
Total interest expense$6,757,0002,234
Net interest income$8,092,0002,164
Provision for loan and lease losses$84,0005,567
Total noninterest income$2,033,0001,740
Gross Fiduciary activities income$157,000955
Service charges on deposit accounts$1,442,000884
Trading account gains and fees$0239
Additional Noninterest Income$434,0003,116
Total noninterest expense$7,715,0001,691
Salaries and employee benefits$3,140,0002,096
Premises and equipment expense$1,288,0001,510
Additional noninterest expense$3,287,0001,329
Pre-tax net operating income$2,326,0003,100
Securities gains (losses)$-121,00010,795
Applicable income taxes$438,0004,616
Income before extraordinary items$1,767,0002,881
Extraordinary gains, net$044
Net income$1,767,0002,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$342,0001,795
Cash dividends$1,925,0001,356
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,863,8002,695
1996-12-31 (YTD Data)Rank
Total interest income$15,438,0002,186
Total interest expense$7,088,0002,191
Net interest income$8,350,0002,148
Provision for loan and lease losses$660,0001,386
Total noninterest income$1,987,0001,847
Gross Fiduciary activities income$160,0001,025
Service charges on deposit accounts$1,415,000938
Trading account gains and fees$0262
Additional Noninterest Income$412,0003,349
Total noninterest expense$8,150,0001,735
Salaries and employee benefits$3,379,0001,951
Premises and equipment expense$1,484,0001,373
Additional noninterest expense$3,287,0001,594
Pre-tax net operating income$1,527,0004,277
Securities gains (losses)$11,0002,431
Applicable income taxes$387,0004,992
Income before extraordinary items$1,151,0004,011
Extraordinary gains, net$053
Net income$1,151,0004,012
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$546,0001,341
Cash dividends$575,0003,141
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,142,7503,975
1995-12-31 (YTD Data)Rank
Total interest income$15,636,0002,159
Total interest expense$7,418,0002,110
Net interest income$8,218,0002,185
Provision for loan and lease losses$199,0003,045
Total noninterest income$2,459,0001,567
Gross Fiduciary activities income$119,0001,127
Service charges on deposit accounts$1,408,000949
Trading account gains and fees$0522
Additional Noninterest Income$932,0001,898
Total noninterest expense$14,530,0001,028
Salaries and employee benefits$3,375,0001,965
Premises and equipment expense$1,196,0001,684
Additional noninterest expense$9,959,000689
Pre-tax net operating income$-4,052,00011,957
Securities gains (losses)$-582,00011,820
Applicable income taxes$-273,00011,826
Income before extraordinary items$-4,361,00011,940
Extraordinary gains, net$065
Net income$-4,361,00011,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$274,0002,062
Cash dividends$3,199,000882
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-3,813,92011,931
1994-12-31 (YTD Data)Rank
Total interest income$15,399,0002,007
Total interest expense$6,353,0001,966
Net interest income$9,046,0002,005
Provision for loan and lease losses$50,0006,087
Total noninterest income$1,800,0001,979
Gross Fiduciary activities income$137,0001,111
Service charges on deposit accounts$1,261,0001,051
Trading account gains and fees$0475
Additional Noninterest Income$402,0003,393
Total noninterest expense$7,353,0001,950
Salaries and employee benefits$3,370,0001,978
Premises and equipment expense$1,159,0001,773
Additional noninterest expense$2,824,0001,916
Pre-tax net operating income$3,443,0002,071
Securities gains (losses)$5,0002,624
Applicable income taxes$1,171,0001,920
Income before extraordinary items$2,277,0002,147
Extraordinary gains, net$0249
Net income$2,277,0002,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00011,382
Cash dividends$543,0003,017
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,273,7002,171
1993-12-31 (YTD Data)Rank
Total interest income$15,892,0001,975
Total interest expense$6,852,0001,891
Net interest income$9,040,0001,999
Provision for loan and lease losses$273,0003,211
Total noninterest income$2,281,0001,796
Gross Fiduciary activities income$198,0001,062
Service charges on deposit accounts$1,225,0001,089
Trading account gains and fees$0532
Additional Noninterest Income$858,0002,275
Total noninterest expense$7,693,0001,927
Salaries and employee benefits$3,423,0001,940
Premises and equipment expense$1,033,0001,990
Additional noninterest expense$3,237,0001,795
Pre-tax net operating income$3,355,0002,032
Securities gains (losses)$25,0004,353
Applicable income taxes$1,146,0001,996
Income before extraordinary items$2,234,0002,239
Extraordinary gains, net$280,000765
Net income$2,514,0002,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,0004,933
Cash dividends$2,075,000978
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,217,5002,123
1992-12-31 (YTD Data)Rank
Total interest income$18,504,0001,925
Total interest expense$9,107,0001,857
Net interest income$9,397,0001,942
Provision for loan and lease losses$908,0001,956
Total noninterest income$2,606,0001,606
Gross Fiduciary activities income$138,0001,172
Service charges on deposit accounts$1,158,0001,142
Trading account gains and fees$0504
Additional Noninterest Income$1,310,0001,661
Total noninterest expense$8,034,0001,884
Salaries and employee benefits$3,707,0001,793
Premises and equipment expense$1,198,0001,764
Additional noninterest expense$3,129,0001,932
Pre-tax net operating income$3,061,0002,031
Securities gains (losses)$635,000903
Applicable income taxes$1,260,0001,671
Income before extraordinary items$2,436,0001,872
Extraordinary gains, net$01,422
Net income$2,436,0001,897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$655,0002,069
Cash dividends$1,650,000997
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,016,9002,099

* 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.