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Calvert Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$5,559,000	5,350
Total interest expense	$2,741,000	5,250
Net interest income	$2,818,000	5,379
Provision for loan and lease losses	$215,000	3,578
Total noninterest income	$359,000	5,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$261,000	4,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	6,478
Total noninterest expense	$1,848,000	5,970
Salaries and employee benefits	$584,000	7,781
Premises and equipment expense	$259,000	5,916
Additional noninterest expense	$1,005,000	3,984
Pre-tax net operating income	$1,114,000	4,956
Securities gains (losses)	$0	1,956
Applicable income taxes	$333,000	4,360
Income before extraordinary items	$781,000	5,113
Extraordinary gains, net	$0	38
Net income	$781,000	5,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,120
Cash dividends	$75,000	6,167
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$781,000	5,112
1999-12-31 (YTD Data)		Rank
Total interest income	$4,514,000	5,928
Total interest expense	$2,021,000	5,965
Net interest income	$2,493,000	5,806
Provision for loan and lease losses	$191,000	3,654
Total noninterest income	$369,000	5,842
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$252,000	4,502
Trading account gains and fees	NA	NA
Additional Noninterest Income	$117,000	6,247
Total noninterest expense	$1,709,000	6,280
Salaries and employee benefits	$534,000	8,137
Premises and equipment expense	$254,000	5,977
Additional noninterest expense	$921,000	4,300
Pre-tax net operating income	$962,000	5,424
Securities gains (losses)	$-7,000	9,189
Applicable income taxes	$278,000	4,982
Income before extraordinary items	$677,000	5,560
Extraordinary gains, net	$0	35
Net income	$677,000	5,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,383
Cash dividends	$21,000	6,921
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$681,970	5,502
1998-12-31 (YTD Data)		Rank
Total interest income	$4,194,000	6,310
Total interest expense	$1,992,000	6,203
Net interest income	$2,202,000	6,284
Provision for loan and lease losses	$182,000	3,709
Total noninterest income	$325,000	6,253
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$242,000	4,596
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,095
Total noninterest expense	$1,736,000	6,149
Salaries and employee benefits	$533,000	8,151
Premises and equipment expense	$238,000	6,142
Additional noninterest expense	$965,000	4,074
Pre-tax net operating income	$609,000	6,864
Securities gains (losses)	$-4,000	10,023
Applicable income taxes	$157,000	6,759
Income before extraordinary items	$448,000	6,927
Extraordinary gains, net	$0	32
Net income	$448,000	6,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	3,233
Cash dividends	$21,000	7,243
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$450,960	6,800
1997-12-31 (YTD Data)		Rank
Total interest income	$3,920,000	6,731
Total interest expense	$1,961,000	6,335
Net interest income	$1,959,000	6,999
Provision for loan and lease losses	$87,000	5,506
Total noninterest income	$264,000	7,063
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$200,000	5,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,887
Total noninterest expense	$1,660,000	6,389
Salaries and employee benefits	$514,000	8,506
Premises and equipment expense	$195,000	6,937
Additional noninterest expense	$951,000	4,091
Pre-tax net operating income	$476,000	8,059
Securities gains (losses)	$10,000	2,359
Applicable income taxes	$116,000	8,152
Income before extraordinary items	$370,000	7,850
Extraordinary gains, net	$0	44
Net income	$370,000	7,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,298
Cash dividends	$76,000	6,819
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$362,400	7,848
1996-12-31 (YTD Data)		Rank
Total interest income	$3,412,000	7,495
Total interest expense	$1,707,000	7,064
Net interest income	$1,705,000	7,771
Provision for loan and lease losses	$65,000	5,977
Total noninterest income	$299,000	6,966
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$243,000	4,922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,626
Total noninterest expense	$1,387,000	7,424
Salaries and employee benefits	$414,000	9,512
Premises and equipment expense	$142,000	8,248
Additional noninterest expense	$831,000	5,055
Pre-tax net operating income	$552,000	7,685
Securities gains (losses)	$0	4,148
Applicable income taxes	$139,000	8,045
Income before extraordinary items	$413,000	7,516
Extraordinary gains, net	$0	53
Net income	$413,000	7,514
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,716
Cash dividends	$130,000	6,269
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$413,000	7,458
1995-12-31 (YTD Data)		Rank
Total interest income	$2,879,000	8,405
Total interest expense	$1,365,000	8,072
Net interest income	$1,514,000	8,496
Provision for loan and lease losses	$0	8,958
Total noninterest income	$290,000	7,186
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$251,000	4,941
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	9,762
Total noninterest expense	$1,141,000	8,423
Salaries and employee benefits	$353,000	10,318
Premises and equipment expense	$107,000	9,413
Additional noninterest expense	$681,000	5,988
Pre-tax net operating income	$663,000	7,527
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$217,000	7,139
Income before extraordinary items	$447,000	7,662
Extraordinary gains, net	$0	65
Net income	$447,000	7,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,275
Cash dividends	$137,000	6,265
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$446,330	7,644
1994-12-31 (YTD Data)		Rank
Total interest income	$2,254,000	9,333
Total interest expense	$890,000	9,177
Net interest income	$1,364,000	9,266
Provision for loan and lease losses	$0	9,146
Total noninterest income	$264,000	7,750
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$225,000	5,425
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	10,213
Total noninterest expense	$1,031,000	9,241
Salaries and employee benefits	$326,000	10,965
Premises and equipment expense	$98,000	10,100
Additional noninterest expense	$607,000	6,989
Pre-tax net operating income	$597,000	8,018
Securities gains (losses)	$16,000	1,924
Applicable income taxes	$197,000	7,390
Income before extraordinary items	$416,000	8,040
Extraordinary gains, net	$0	249
Net income	$416,000	8,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$141,000	6,243
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$405,120	8,201
1993-12-31 (YTD Data)		Rank
Total interest income	$2,160,000	9,865
Total interest expense	$851,000	9,784
Net interest income	$1,309,000	9,707
Provision for loan and lease losses	$6,000	10,012
Total noninterest income	$247,000	8,407
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	5,731
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,040
Total noninterest expense	$977,000	9,833
Salaries and employee benefits	$304,000	11,604
Premises and equipment expense	$104,000	10,324
Additional noninterest expense	$569,000	7,604
Pre-tax net operating income	$573,000	8,146
Securities gains (losses)	$36,000	3,866
Applicable income taxes	$194,000	7,729
Income before extraordinary items	$415,000	8,285
Extraordinary gains, net	$0	3,149
Net income	$415,000	8,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	12,701
Cash dividends	$175,000	5,761
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$390,520	8,261
1992-12-31 (YTD Data)		Rank
Total interest income	$2,329,000	10,236
Total interest expense	$1,076,000	10,065
Net interest income	$1,253,000	10,131
Provision for loan and lease losses	$71,000	8,232
Total noninterest income	$224,000	8,956
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	6,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$944,000	10,240
Salaries and employee benefits	$285,000	12,188
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$545,000	8,031
Pre-tax net operating income	$462,000	8,698
Securities gains (losses)	$-13,000	13,370
Applicable income taxes	$139,000	8,913
Income before extraordinary items	$310,000	9,176
Extraordinary gains, net	$0	1,422
Net income	$310,000	9,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	13,300
Cash dividends	$113,000	6,338
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$318,970	8,698

* 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.