FCNB Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $116,077,000 | 370 |
| Total interest expense | $69,116,000 | 339 |
| Net interest income | $46,961,000 | 424 |
| Provision for loan and lease losses | $9,700,000 | 206 |
| Total noninterest income | $18,794,000 | 389 |
| Gross Fiduciary activities income | $674,000 | 510 |
| Service charges on deposit accounts | $6,886,000 | 220 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $11,234,000 | 391 |
| Total noninterest expense | $52,550,000 | 333 |
| Salaries and employee benefits | $26,103,000 | 292 |
| Premises and equipment expense | $9,895,000 | 260 |
| Additional noninterest expense | $16,552,000 | 406 |
| Pre-tax net operating income | $3,505,000 | 2,079 |
| Securities gains (losses) | $-2,132,000 | 9,803 |
| Applicable income taxes | $-921,000 | 9,841 |
| Income before extraordinary items | $2,294,000 | 2,253 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,294,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,500,000 | 196 |
| Cash dividends | $9,519,000 | 393 |
| Sale, conversion, retirement of capital stock, net | $-27,000,000 | 9,899 |
| Net operating income | $4,426,000 | 1,201 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $103,415,000 | 401 |
| Total interest expense | $50,808,000 | 380 |
| Net interest income | $52,607,000 | 401 |
| Provision for loan and lease losses | $5,008,000 | 302 |
| Total noninterest income | $17,944,000 | 424 |
| Gross Fiduciary activities income | $411,000 | 695 |
| Service charges on deposit accounts | $6,076,000 | 254 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $11,457,000 | 419 |
| Total noninterest expense | $47,997,000 | 366 |
| Salaries and employee benefits | $25,603,000 | 315 |
| Premises and equipment expense | $9,852,000 | 256 |
| Additional noninterest expense | $12,542,000 | 510 |
| Pre-tax net operating income | $17,546,000 | 533 |
| Securities gains (losses) | $299,000 | 457 |
| Applicable income taxes | $5,778,000 | 546 |
| Income before extraordinary items | $12,067,000 | 539 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,067,000 | 539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,202,000 | 347 |
| Cash dividends | $7,912,000 | 484 |
| Sale, conversion, retirement of capital stock, net | $970,000 | 521 |
| Net operating income | $11,863,680 | 536 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $85,310,000 | 457 |
| Total interest expense | $42,729,000 | 444 |
| Net interest income | $42,581,000 | 457 |
| Provision for loan and lease losses | $1,770,000 | 637 |
| Total noninterest income | $14,084,000 | 478 |
| Gross Fiduciary activities income | $161,000 | 908 |
| Service charges on deposit accounts | $4,559,000 | 295 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $9,364,000 | 457 |
| Total noninterest expense | $40,251,000 | 423 |
| Salaries and employee benefits | $21,464,000 | 350 |
| Premises and equipment expense | $7,485,000 | 309 |
| Additional noninterest expense | $11,302,000 | 546 |
| Pre-tax net operating income | $14,644,000 | 574 |
| Securities gains (losses) | $927,000 | 400 |
| Applicable income taxes | $7,039,000 | 433 |
| Income before extraordinary items | $8,532,000 | 681 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,532,000 | 680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,272,000 | 628 |
| Cash dividends | $3,623,000 | 840 |
| Sale, conversion, retirement of capital stock, net | $23,076,000 | 45 |
| Net operating income | $7,938,720 | 690 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $63,266,000 | 580 |
| Total interest expense | $31,219,000 | 563 |
| Net interest income | $32,047,000 | 582 |
| Provision for loan and lease losses | $1,329,000 | 792 |
| Total noninterest income | $5,394,000 | 880 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,053,000 | 429 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,341,000 | 985 |
| Total noninterest expense | $23,605,000 | 642 |
| Salaries and employee benefits | $12,745,000 | 532 |
| Premises and equipment expense | $4,490,000 | 484 |
| Additional noninterest expense | $6,370,000 | 808 |
| Pre-tax net operating income | $12,507,000 | 668 |
| Securities gains (losses) | $407,000 | 482 |
| Applicable income taxes | $4,225,000 | 689 |
| Income before extraordinary items | $8,689,000 | 659 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,689,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $739,000 | 979 |
| Cash dividends | $3,791,000 | 789 |
| Sale, conversion, retirement of capital stock, net | $-5,500,000 | 10,908 |
| Net operating income | $8,416,310 | 660 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $37,421,000 | 937 |
| Total interest expense | $17,161,000 | 967 |
| Net interest income | $20,260,000 | 921 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $3,236,000 | 1,282 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,880,000 | 705 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,356,000 | 1,477 |
| Total noninterest expense | $15,256,000 | 994 |
| Salaries and employee benefits | $8,510,000 | 807 |
| Premises and equipment expense | $3,060,000 | 724 |
| Additional noninterest expense | $3,686,000 | 1,446 |
| Pre-tax net operating income | $8,132,000 | 946 |
| Securities gains (losses) | $170,000 | 749 |
| Applicable income taxes | $2,867,000 | 904 |
| Income before extraordinary items | $5,435,000 | 969 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,435,000 | 970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,674 |
| Cash dividends | $2,193,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $-5,000,000 | 11,446 |
| Net operating income | $5,324,500 | 970 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $35,606,000 | 1,001 |
| Total interest expense | $15,792,000 | 1,075 |
| Net interest income | $19,814,000 | 940 |
| Provision for loan and lease losses | $580,000 | 1,402 |
| Total noninterest income | $2,836,000 | 1,408 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,442,000 | 925 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,394,000 | 1,426 |
| Total noninterest expense | $13,910,000 | 1,078 |
| Salaries and employee benefits | $8,103,000 | 855 |
| Premises and equipment expense | $2,323,000 | 928 |
| Additional noninterest expense | $3,484,000 | 1,489 |
| Pre-tax net operating income | $8,160,000 | 963 |
| Securities gains (losses) | $38,000 | 1,486 |
| Applicable income taxes | $2,757,000 | 971 |
| Income before extraordinary items | $5,441,000 | 978 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,441,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,184 |
| Cash dividends | $2,406,000 | 1,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,415,920 | 973 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $30,131,000 | 1,048 |
| Total interest expense | $11,814,000 | 1,113 |
| Net interest income | $18,317,000 | 1,009 |
| Provision for loan and lease losses | $350,000 | 2,026 |
| Total noninterest income | $2,181,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,264,000 | 1,047 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $917,000 | 1,949 |
| Total noninterest expense | $13,078,000 | 1,149 |
| Salaries and employee benefits | $6,912,000 | 989 |
| Premises and equipment expense | $2,250,000 | 948 |
| Additional noninterest expense | $3,916,000 | 1,433 |
| Pre-tax net operating income | $7,070,000 | 1,073 |
| Securities gains (losses) | $158,000 | 581 |
| Applicable income taxes | $2,180,000 | 1,110 |
| Income before extraordinary items | $5,048,000 | 1,010 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,048,000 | 1,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $1,750,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,937,400 | 1,040 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,260,000 | 1,172 |
| Total interest expense | $10,795,000 | 1,255 |
| Net interest income | $16,465,000 | 1,112 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $3,701,000 | 1,238 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,095,000 | 1,227 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,606,000 | 1,057 |
| Total noninterest expense | $11,873,000 | 1,293 |
| Salaries and employee benefits | $6,481,000 | 1,064 |
| Premises and equipment expense | $2,125,000 | 1,027 |
| Additional noninterest expense | $3,267,000 | 1,779 |
| Pre-tax net operating income | $8,293,000 | 884 |
| Securities gains (losses) | $-1,234,000 | 13,260 |
| Applicable income taxes | $2,194,000 | 1,115 |
| Income before extraordinary items | $4,865,000 | 1,069 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,865,000 | 1,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $1,638,000 | 1,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,716,460 | 869 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $27,935,000 | 1,306 |
| Total interest expense | $12,638,000 | 1,393 |
| Net interest income | $15,297,000 | 1,224 |
| Provision for loan and lease losses | $460,000 | 3,175 |
| Total noninterest income | $2,741,000 | 1,546 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,019,000 | 1,305 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,722,000 | 1,380 |
| Total noninterest expense | $12,090,000 | 1,318 |
| Salaries and employee benefits | $5,644,000 | 1,188 |
| Premises and equipment expense | $1,883,000 | 1,174 |
| Additional noninterest expense | $4,563,000 | 1,442 |
| Pre-tax net operating income | $5,488,000 | 1,176 |
| Securities gains (losses) | $-77,000 | 13,746 |
| Applicable income taxes | $1,417,000 | 1,515 |
| Income before extraordinary items | $3,994,000 | 1,175 |
| Extraordinary gains, net | $-129,000 | 13,682 |
| Net income | $3,865,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 2,853 |
| Cash dividends | $1,290,000 | 1,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,050,980 | 1,066 |
* 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.