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eCharge Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $110,000 | 9,857 |
| Total interest expense | $0 | 9,874 |
| Net interest income | $110,000 | 9,840 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $607,000 | 9,070 |
| Salaries and employee benefits | $341,000 | 9,051 |
| Premises and equipment expense | $40,000 | 9,542 |
| Additional noninterest expense | $226,000 | 8,541 |
| Pre-tax net operating income | $-497,000 | 9,530 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-497,000 | 9,563 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-497,000 | 9,562 |
| 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 | $10,000 | 897 |
| Net operating income | $-497,000 | 9,564 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,071,000 | 7,291 |
| Total interest expense | $3,194,000 | 4,357 |
| Net interest income | $-123,000 | 10,221 |
| Provision for loan and lease losses | $-51,000 | 10,061 |
| Total noninterest income | $3,792,000 | 1,137 |
| Gross Fiduciary activities income | $809,000 | 512 |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,983,000 | 892 |
| Total noninterest expense | $1,993,000 | 5,694 |
| Salaries and employee benefits | $1,314,000 | 4,831 |
| Premises and equipment expense | $217,000 | 6,545 |
| Additional noninterest expense | $462,000 | 6,804 |
| Pre-tax net operating income | $1,727,000 | 3,728 |
| Securities gains (losses) | $-63,000 | 9,848 |
| Applicable income taxes | $576,000 | 3,310 |
| Income before extraordinary items | $1,088,000 | 4,181 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,088,000 | 4,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 9,915 |
| Cash dividends | $10,000,000 | 389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,128,950 | 4,019 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,849,000 | 2,977 |
| Total interest expense | $10,749,000 | 1,431 |
| Net interest income | $100,000 | 10,387 |
| Provision for loan and lease losses | $-121,000 | 10,334 |
| Total noninterest income | $12,668,000 | 515 |
| Gross Fiduciary activities income | $4,706,000 | 198 |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $7,962,000 | 491 |
| Total noninterest expense | $5,956,000 | 2,187 |
| Salaries and employee benefits | $2,528,000 | 2,679 |
| Premises and equipment expense | $549,000 | 3,430 |
| Additional noninterest expense | $2,879,000 | 1,498 |
| Pre-tax net operating income | $6,933,000 | 1,092 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,453,000 | 1,039 |
| Income before extraordinary items | $4,480,000 | 1,193 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,480,000 | 1,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 10,024 |
| Cash dividends | $25,000,000 | 219 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,480,000 | 1,159 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $48,893,000 | 704 |
| Total interest expense | $22,038,000 | 741 |
| Net interest income | $26,855,000 | 675 |
| Provision for loan and lease losses | $-2,273,000 | 10,911 |
| Total noninterest income | $87,533,000 | 156 |
| Gross Fiduciary activities income | $4,439,000 | 208 |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $83,094,000 | 122 |
| Total noninterest expense | $21,033,000 | 712 |
| Salaries and employee benefits | $5,876,000 | 1,115 |
| Premises and equipment expense | $783,000 | 2,470 |
| Additional noninterest expense | $14,374,000 | 423 |
| Pre-tax net operating income | $95,628,000 | 152 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $34,082,000 | 158 |
| Income before extraordinary items | $61,546,000 | 161 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $61,546,000 | 161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,425,000 | 226 |
| Cash dividends | $73,000,000 | 99 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $61,546,000 | 157 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $37,123,000 | 943 |
| Total interest expense | $11,889,000 | 1,362 |
| Net interest income | $25,234,000 | 753 |
| Provision for loan and lease losses | $8,646,000 | 234 |
| Total noninterest income | $6,350,000 | 810 |
| Gross Fiduciary activities income | $4,364,000 | 234 |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,986,000 | 1,163 |
| Total noninterest expense | $21,424,000 | 747 |
| Salaries and employee benefits | $6,033,000 | 1,113 |
| Premises and equipment expense | $823,000 | 2,381 |
| Additional noninterest expense | $14,568,000 | 510 |
| Pre-tax net operating income | $1,514,000 | 4,306 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $594,000 | 3,619 |
| Income before extraordinary items | $923,000 | 4,782 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $923,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,316,000 | 323 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $921,080 | 4,737 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $35,641,000 | 1,000 |
| Total interest expense | $10,673,000 | 1,511 |
| Net interest income | $24,968,000 | 774 |
| Provision for loan and lease losses | $4,654,000 | 338 |
| Total noninterest income | $4,852,000 | 977 |
| Gross Fiduciary activities income | $4,028,000 | 253 |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $824,000 | 2,059 |
| Total noninterest expense | $19,368,000 | 806 |
| Salaries and employee benefits | $4,794,000 | 1,382 |
| Premises and equipment expense | $756,000 | 2,623 |
| Additional noninterest expense | $13,818,000 | 536 |
| Pre-tax net operating income | $5,798,000 | 1,314 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,238,000 | 1,145 |
| Income before extraordinary items | $3,560,000 | 1,453 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,560,000 | 1,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,654,000 | 330 |
| Cash dividends | $6,000,000 | 551 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,560,000 | 1,426 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,383,000 | 955 |
| Total interest expense | $8,760,000 | 1,480 |
| Net interest income | $24,623,000 | 779 |
| Provision for loan and lease losses | $4,721,000 | 300 |
| Total noninterest income | $4,641,000 | 973 |
| Gross Fiduciary activities income | $3,784,000 | 259 |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $857,000 | 2,049 |
| Total noninterest expense | $21,982,000 | 745 |
| Salaries and employee benefits | $4,687,000 | 1,439 |
| Premises and equipment expense | $620,000 | 3,171 |
| Additional noninterest expense | $16,675,000 | 492 |
| Pre-tax net operating income | $2,561,000 | 2,760 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $984,000 | 2,276 |
| Income before extraordinary items | $1,577,000 | 3,044 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,577,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,321,000 | 397 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,577,000 | 3,061 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $26,639,000 | 1,192 |
| Total interest expense | $6,596,000 | 1,963 |
| Net interest income | $20,043,000 | 924 |
| Provision for loan and lease losses | $3,978,000 | 514 |
| Total noninterest income | $3,598,000 | 1,270 |
| Gross Fiduciary activities income | $3,139,000 | 296 |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $459,000 | 3,436 |
| Total noninterest expense | $15,563,000 | 1,015 |
| Salaries and employee benefits | $3,345,000 | 1,992 |
| Premises and equipment expense | $575,000 | 3,454 |
| Additional noninterest expense | $11,643,000 | 675 |
| Pre-tax net operating income | $4,100,000 | 1,688 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,577,000 | 1,510 |
| Income before extraordinary items | $2,523,000 | 1,982 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,523,000 | 2,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,978,000 | 476 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,523,000 | 1,868 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $25,028,000 | 1,461 |
| Total interest expense | $6,668,000 | 2,534 |
| Net interest income | $18,360,000 | 1,010 |
| Provision for loan and lease losses | $4,700,000 | 617 |
| Total noninterest income | $2,949,000 | 1,462 |
| Gross Fiduciary activities income | $2,311,000 | 358 |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $638,000 | 2,711 |
| Total noninterest expense | $12,524,000 | 1,263 |
| Salaries and employee benefits | $2,774,000 | 2,338 |
| Premises and equipment expense | $411,000 | 4,702 |
| Additional noninterest expense | $9,339,000 | 818 |
| Pre-tax net operating income | $4,085,000 | 1,540 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,526,000 | 1,437 |
| Income before extraordinary items | $2,559,000 | 1,780 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,559,000 | 1,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,700,000 | 549 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,559,000 | 1,640 |
* 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.