Home > Cardinal Bank-Potomac > Income and Expense
Cardinal Bank-Potomac, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 8,797 |
| Total interest expense | $627,000 | 9,000 |
| Net interest income | $1,010,000 | 8,458 |
| Provision for loan and lease losses | $56,000 | 6,380 |
| Total noninterest income | $82,000 | 8,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 7,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $842,000 | 8,444 |
| Salaries and employee benefits | $525,000 | 8,125 |
| Premises and equipment expense | $216,000 | 6,525 |
| Additional noninterest expense | $101,000 | 9,620 |
| Pre-tax net operating income | $194,000 | 8,388 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-9,000 | 9,323 |
| Income before extraordinary items | $203,000 | 8,045 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $203,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $203,000 | 8,048 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,386,000 | 6,028 |
| Total interest expense | $1,439,000 | 7,115 |
| Net interest income | $2,947,000 | 5,231 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $222,000 | 7,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,493 |
| Total noninterest expense | $2,893,000 | 4,329 |
| Salaries and employee benefits | $1,472,000 | 4,410 |
| Premises and equipment expense | $474,000 | 3,961 |
| Additional noninterest expense | $947,000 | 4,192 |
| Pre-tax net operating income | $277,000 | 8,223 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $93,000 | 7,020 |
| Income before extraordinary items | $182,000 | 8,418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $182,000 | 8,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $182,660 | 8,386 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,765,000 | 6,693 |
| Total interest expense | $1,270,000 | 7,755 |
| Net interest income | $2,495,000 | 5,868 |
| Provision for loan and lease losses | $117,000 | 4,814 |
| Total noninterest income | $138,000 | 8,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,010 |
| Total noninterest expense | $2,423,000 | 4,876 |
| Salaries and employee benefits | $1,074,000 | 5,504 |
| Premises and equipment expense | $286,000 | 5,529 |
| Additional noninterest expense | $1,063,000 | 3,747 |
| Pre-tax net operating income | $93,000 | 9,441 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $-41,000 | 10,117 |
| Income before extraordinary items | $133,000 | 9,096 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $133,000 | 9,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,769 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,007,000 | 274 |
| Net operating income | $134,000 | 9,022 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,256,000 | 7,444 |
| Total interest expense | $1,111,000 | 8,374 |
| Net interest income | $2,145,000 | 6,636 |
| Provision for loan and lease losses | $4,000 | 8,695 |
| Total noninterest income | $134,000 | 8,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $1,837,000 | 5,995 |
| Salaries and employee benefits | $953,000 | 6,039 |
| Premises and equipment expense | $310,000 | 5,351 |
| Additional noninterest expense | $574,000 | 5,966 |
| Pre-tax net operating income | $438,000 | 8,244 |
| Securities gains (losses) | $47,000 | 1,374 |
| Applicable income taxes | $-85,000 | 10,689 |
| Income before extraordinary items | $570,000 | 6,545 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $570,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,078 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 515 |
| Net operating income | $523,000 | 6,784 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 7,487 |
| Total interest expense | $1,411,000 | 7,814 |
| Net interest income | $2,008,000 | 7,123 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $120,000 | 9,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,653 |
| Total noninterest expense | $1,725,000 | 6,564 |
| Salaries and employee benefits | $899,000 | 6,471 |
| Premises and equipment expense | $309,000 | 5,469 |
| Additional noninterest expense | $517,000 | 6,923 |
| Pre-tax net operating income | $403,000 | 8,485 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $403,000 | 7,602 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $403,000 | 7,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $403,000 | 7,535 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,050,000 | 8,140 |
| Total interest expense | $1,165,000 | 8,703 |
| Net interest income | $1,885,000 | 7,564 |
| Provision for loan and lease losses | $-87,000 | 11,681 |
| Total noninterest income | $98,000 | 10,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $1,856,000 | 6,337 |
| Salaries and employee benefits | $951,000 | 6,293 |
| Premises and equipment expense | $280,000 | 5,928 |
| Additional noninterest expense | $625,000 | 6,362 |
| Pre-tax net operating income | $214,000 | 10,377 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $32,000 | 10,549 |
| Income before extraordinary items | $182,000 | 10,143 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $182,000 | 10,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 1,628 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $182,000 | 10,110 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,034,000 | 7,977 |
| Total interest expense | $959,000 | 8,868 |
| Net interest income | $2,075,000 | 7,388 |
| Provision for loan and lease losses | $258,000 | 2,528 |
| Total noninterest income | $168,000 | 9,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,409 |
| Total noninterest expense | $1,868,000 | 6,528 |
| Salaries and employee benefits | $943,000 | 6,398 |
| Premises and equipment expense | $269,000 | 6,192 |
| Additional noninterest expense | $656,000 | 6,634 |
| Pre-tax net operating income | $117,000 | 11,514 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $116,000 | 11,204 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $116,000 | 11,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,988 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $117,000 | 11,237 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 7,952 |
| Total interest expense | $1,104,000 | 8,666 |
| Net interest income | $2,129,000 | 7,361 |
| Provision for loan and lease losses | $472,000 | 2,184 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $1,911,000 | 6,588 |
| Salaries and employee benefits | $863,000 | 6,932 |
| Premises and equipment expense | $271,000 | 6,324 |
| Additional noninterest expense | $777,000 | 6,061 |
| Pre-tax net operating income | $-5,000 | 12,457 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $11,000 | 12,472 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $11,000 | 12,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $637,000 | 1,533 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,058,000 | 447 |
| Net operating income | $-5,000 | 12,414 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,895,000 | 7,648 |
| Total interest expense | $1,579,000 | 8,274 |
| Net interest income | $2,316,000 | 6,970 |
| Provision for loan and lease losses | $1,223,000 | 1,616 |
| Total noninterest income | $190,000 | 9,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $2,175,000 | 5,981 |
| Salaries and employee benefits | $929,000 | 6,460 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $945,000 | 5,296 |
| Pre-tax net operating income | $-892,000 | 13,453 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $-961,000 | 13,541 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-961,000 | 13,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 1,356 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-982,000 | 13,473 |
* 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.