CFX Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $169,856,000 | 264 |
| Total interest expense | $90,597,000 | 248 |
| Net interest income | $79,259,000 | 278 |
| Provision for loan and lease losses | $4,428,000 | 344 |
| Total noninterest income | $19,018,000 | 368 |
| Gross Fiduciary activities income | $113,000 | 1,027 |
| Service charges on deposit accounts | $3,786,000 | 357 |
| Trading account gains and fees | $87,000 | 166 |
| Additional Noninterest Income | $15,032,000 | 316 |
| Total noninterest expense | $70,431,000 | 270 |
| Salaries and employee benefits | $25,440,000 | 282 |
| Premises and equipment expense | $9,625,000 | 247 |
| Additional noninterest expense | $35,366,000 | 242 |
| Pre-tax net operating income | $23,418,000 | 402 |
| Securities gains (losses) | $2,231,000 | 168 |
| Applicable income taxes | $6,432,000 | 508 |
| Income before extraordinary items | $19,217,000 | 347 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $19,217,000 | 348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,291,000 | 465 |
| Cash dividends | $16,484,000 | 265 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $17,543,750 | 362 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $80,401,000 | 506 |
| Total interest expense | $41,562,000 | 482 |
| Net interest income | $38,839,000 | 528 |
| Provision for loan and lease losses | $2,590,000 | 507 |
| Total noninterest income | $12,263,000 | 520 |
| Gross Fiduciary activities income | $31,000 | 1,302 |
| Service charges on deposit accounts | $2,539,000 | 539 |
| Trading account gains and fees | $539,000 | 119 |
| Additional Noninterest Income | $9,154,000 | 451 |
| Total noninterest expense | $33,376,000 | 514 |
| Salaries and employee benefits | $12,458,000 | 563 |
| Premises and equipment expense | $4,484,000 | 509 |
| Additional noninterest expense | $16,434,000 | 469 |
| Pre-tax net operating income | $15,136,000 | 555 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $5,018,000 | 583 |
| Income before extraordinary items | $10,167,000 | 569 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $10,167,000 | 569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,143,000 | 548 |
| Cash dividends | $8,740,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 513 |
| Net operating income | $10,134,170 | 558 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $59,548,000 | 667 |
| Total interest expense | $30,590,000 | 636 |
| Net interest income | $28,958,000 | 691 |
| Provision for loan and lease losses | $1,504,000 | 711 |
| Total noninterest income | $9,616,000 | 616 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,695,000 | 537 |
| Trading account gains and fees | $1,022,000 | 130 |
| Additional Noninterest Income | $5,899,000 | 598 |
| Total noninterest expense | $25,480,000 | 657 |
| Salaries and employee benefits | $9,794,000 | 719 |
| Premises and equipment expense | $3,548,000 | 650 |
| Additional noninterest expense | $12,138,000 | 595 |
| Pre-tax net operating income | $11,590,000 | 733 |
| Securities gains (losses) | $48,000 | 1,329 |
| Applicable income taxes | $4,043,000 | 715 |
| Income before extraordinary items | $7,595,000 | 758 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,595,000 | 758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,452,000 | 704 |
| Cash dividends | $3,700,000 | 808 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,563,800 | 749 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $51,231,000 | 687 |
| Total interest expense | $23,459,000 | 628 |
| Net interest income | $27,772,000 | 718 |
| Provision for loan and lease losses | $425,000 | 1,738 |
| Total noninterest income | $6,818,000 | 762 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,822,000 | 735 |
| Trading account gains and fees | $-257,000 | 4,902 |
| Additional Noninterest Income | $5,253,000 | 625 |
| Total noninterest expense | $24,597,000 | 688 |
| Salaries and employee benefits | $9,909,000 | 709 |
| Premises and equipment expense | $3,150,000 | 730 |
| Additional noninterest expense | $11,538,000 | 628 |
| Pre-tax net operating income | $9,568,000 | 824 |
| Securities gains (losses) | $85,000 | 851 |
| Applicable income taxes | $3,559,000 | 751 |
| Income before extraordinary items | $6,094,000 | 853 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,094,000 | 854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $757,000 | 1,040 |
| Cash dividends | $5,000,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,039,600 | 866 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $46,098,000 | 740 |
| Total interest expense | $19,767,000 | 726 |
| Net interest income | $26,331,000 | 737 |
| Provision for loan and lease losses | $2,970,000 | 618 |
| Total noninterest income | $3,673,000 | 1,247 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,432,000 | 923 |
| Trading account gains and fees | $307,000 | 202 |
| Additional Noninterest Income | $1,934,000 | 1,284 |
| Total noninterest expense | $22,210,000 | 762 |
| Salaries and employee benefits | $8,259,000 | 841 |
| Premises and equipment expense | $2,624,000 | 860 |
| Additional noninterest expense | $11,327,000 | 693 |
| Pre-tax net operating income | $4,824,000 | 1,452 |
| Securities gains (losses) | $2,624,000 | 259 |
| Applicable income taxes | $1,872,000 | 1,277 |
| Income before extraordinary items | $5,576,000 | 930 |
| Extraordinary gains, net | $316,000 | 678 |
| Net income | $5,892,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,534,000 | 510 |
| Cash dividends | $7,750,000 | 345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,608,000 | 1,329 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $35,122,000 | 1,050 |
| Total interest expense | $18,733,000 | 966 |
| Net interest income | $16,389,000 | 1,134 |
| Provision for loan and lease losses | $1,635,000 | 1,325 |
| Total noninterest income | $1,652,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $677,000 | 2,010 |
| Trading account gains and fees | $-44,000 | 5,242 |
| Additional Noninterest Income | $1,019,000 | 1,971 |
| Total noninterest expense | $10,211,000 | 1,503 |
| Salaries and employee benefits | $4,040,000 | 1,639 |
| Premises and equipment expense | $1,326,000 | 1,606 |
| Additional noninterest expense | $4,845,000 | 1,360 |
| Pre-tax net operating income | $6,195,000 | 1,057 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $2,020,000 | 1,105 |
| Income before extraordinary items | $4,187,000 | 1,126 |
| Extraordinary gains, net | $1,535,000 | 86 |
| Net income | $5,722,000 | 843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,497,000 | 1,189 |
| Cash dividends | $2,000,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,178,960 | 1,043 |
* 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.