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First Virginia Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$36,079,000	601
Total interest expense	$4,240,000	1,665
Net interest income	$31,839,000	486
Provision for loan and lease losses	$3,458,000	364
Total noninterest income	$14,458,000	430
Gross Fiduciary activities income	$3,356,000	167
Service charges on deposit accounts	$6,503,000	215
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,599,000	679
Total noninterest expense	$32,677,000	425
Salaries and employee benefits	$11,354,000	590
Premises and equipment expense	$2,885,000	602
Additional noninterest expense	$18,438,000	292
Pre-tax net operating income	$10,162,000	677
Securities gains (losses)	$-281,000	9,174
Applicable income taxes	$2,923,000	790
Income before extraordinary items	$6,958,000	738
Extraordinary gains, net	$0	40
Net income	$6,958,000	739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,156,000	418
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$7,154,700	668
2003-06-30 (YTD Data)		Rank
Total interest income	$108,860,000	191
Total interest expense	$14,924,000	356
Net interest income	$93,936,000	156
Provision for loan and lease losses	$5,527,000	195
Total noninterest income	$31,966,000	209
Gross Fiduciary activities income	$7,227,000	94
Service charges on deposit accounts	$12,636,000	107
Trading account gains and fees	$0	150
Additional Noninterest Income	$12,103,000	278
Total noninterest expense	$55,597,000	202
Salaries and employee benefits	$23,399,000	209
Premises and equipment expense	$6,335,000	223
Additional noninterest expense	$25,863,000	190
Pre-tax net operating income	$64,778,000	136
Securities gains (losses)	$0	3,782
Applicable income taxes	$20,899,000	152
Income before extraordinary items	$43,879,000	144
Extraordinary gains, net	$0	30
Net income	$43,879,000	144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,293,000	165
Cash dividends	$35,003,000	88
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$43,879,000	134
2003-03-31 (YTD Data)		Rank
Total interest income	$54,930,000	194
Total interest expense	$7,754,000	357
Net interest income	$47,176,000	159
Provision for loan and lease losses	$1,240,000	331
Total noninterest income	$17,009,000	202
Gross Fiduciary activities income	$3,572,000	97
Service charges on deposit accounts	$6,332,000	109
Trading account gains and fees	$0	134
Additional Noninterest Income	$7,105,000	258
Total noninterest expense	$27,773,000	202
Salaries and employee benefits	$11,597,000	210
Premises and equipment expense	$3,274,000	221
Additional noninterest expense	$12,902,000	193
Pre-tax net operating income	$35,172,000	129
Securities gains (losses)	$0	2,891
Applicable income taxes	$11,495,000	140
Income before extraordinary items	$23,677,000	139
Extraordinary gains, net	$0	21
Net income	$23,677,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,863,000	228
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$23,677,000	130
2002-12-31 (YTD Data)		Rank
Total interest income	$240,386,000	190
Total interest expense	$43,761,000	309
Net interest income	$196,625,000	156
Provision for loan and lease losses	$7,713,000	284
Total noninterest income	$59,610,000	208
Gross Fiduciary activities income	$13,502,000	97
Service charges on deposit accounts	$25,557,000	108
Trading account gains and fees	$0	153
Additional Noninterest Income	$20,551,000	294
Total noninterest expense	$109,722,000	210
Salaries and employee benefits	$46,090,000	207
Premises and equipment expense	$12,067,000	229
Additional noninterest expense	$51,565,000	198
Pre-tax net operating income	$138,800,000	134
Securities gains (losses)	$0	4,537
Applicable income taxes	$45,240,000	143
Income before extraordinary items	$93,560,000	141
Extraordinary gains, net	$0	70
Net income	$93,560,000	141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,502,000	253
Cash dividends	$82,993,000	102
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$93,560,000	128
2001-12-31 (YTD Data)		Rank
Total interest income	$244,806,000	203
Total interest expense	$67,777,000	296
Net interest income	$177,029,000	165
Provision for loan and lease losses	$6,253,000	307
Total noninterest income	$53,734,000	224
Gross Fiduciary activities income	$13,048,000	100
Service charges on deposit accounts	$24,652,000	107
Trading account gains and fees	$0	177
Additional Noninterest Income	$16,034,000	327
Total noninterest expense	$100,073,000	222
Salaries and employee benefits	$43,199,000	200
Premises and equipment expense	$12,093,000	217
Additional noninterest expense	$44,781,000	217
Pre-tax net operating income	$124,437,000	136
Securities gains (losses)	$-5,000	9,212
Applicable income taxes	$40,467,000	142
Income before extraordinary items	$83,965,000	141
Extraordinary gains, net	$0	105
Net income	$83,965,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,106,000	272
Cash dividends	$70,324,000	111
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$83,968,350	134
2000-12-31 (YTD Data)		Rank
Total interest income	$243,212,000	222
Total interest expense	$71,223,000	332
Net interest income	$171,989,000	167
Provision for loan and lease losses	$5,494,000	301
Total noninterest income	$53,228,000	222
Gross Fiduciary activities income	$13,265,000	99
Service charges on deposit accounts	$21,529,000	109
Trading account gains and fees	$0	180
Additional Noninterest Income	$18,434,000	306
Total noninterest expense	$104,909,000	210
Salaries and employee benefits	$47,736,000	185
Premises and equipment expense	$13,496,000	194
Additional noninterest expense	$43,677,000	216
Pre-tax net operating income	$114,814,000	140
Securities gains (losses)	$0	1,956
Applicable income taxes	$36,750,000	142
Income before extraordinary items	$78,064,000	128
Extraordinary gains, net	$0	38
Net income	$78,064,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,302,000	264
Cash dividends	$77,655,000	105
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$78,064,000	132
1999-12-31 (YTD Data)		Rank
Total interest income	$236,239,000	207
Total interest expense	$65,704,000	314
Net interest income	$170,535,000	167
Provision for loan and lease losses	$8,683,000	226
Total noninterest income	$68,872,000	196
Gross Fiduciary activities income	$11,757,000	126
Service charges on deposit accounts	$20,421,000	113
Trading account gains and fees	$0	173
Additional Noninterest Income	$36,694,000	213
Total noninterest expense	$113,001,000	209
Salaries and employee benefits	$50,110,000	178
Premises and equipment expense	$13,827,000	197
Additional noninterest expense	$49,064,000	204
Pre-tax net operating income	$117,723,000	144
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$38,622,000	155
Income before extraordinary items	$79,104,000	147
Extraordinary gains, net	$0	35
Net income	$79,104,000	148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,736,000	273
Cash dividends	$60,120,000	129
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$79,101,990	144
1998-12-31 (YTD Data)		Rank
Total interest income	$247,430,000	199
Total interest expense	$72,117,000	283
Net interest income	$175,313,000	161
Provision for loan and lease losses	$13,895,000	174
Total noninterest income	$53,730,000	225
Gross Fiduciary activities income	$10,420,000	133
Service charges on deposit accounts	$17,299,000	124
Trading account gains and fees	$0	224
Additional Noninterest Income	$26,011,000	246
Total noninterest expense	$121,957,000	197
Salaries and employee benefits	$49,207,000	178
Premises and equipment expense	$13,362,000	201
Additional noninterest expense	$59,388,000	193
Pre-tax net operating income	$93,191,000	164
Securities gains (losses)	$14,000	2,712
Applicable income taxes	$31,501,000	166
Income before extraordinary items	$61,704,000	170
Extraordinary gains, net	$0	32
Net income	$61,704,000	171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,820,000	171
Cash dividends	$61,425,000	126
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$61,694,760	162
1997-12-31 (YTD Data)		Rank
Total interest income	$237,495,000	212
Total interest expense	$71,717,000	295
Net interest income	$165,778,000	177
Provision for loan and lease losses	$11,999,000	186
Total noninterest income	$50,729,000	220
Gross Fiduciary activities income	$7,770,000	157
Service charges on deposit accounts	$15,531,000	134
Trading account gains and fees	$0	239
Additional Noninterest Income	$27,428,000	226
Total noninterest expense	$114,546,000	201
Salaries and employee benefits	$47,562,000	188
Premises and equipment expense	$13,351,000	200
Additional noninterest expense	$53,633,000	202
Pre-tax net operating income	$89,962,000	163
Securities gains (losses)	$37,000	1,522
Applicable income taxes	$30,141,000	168
Income before extraordinary items	$59,858,000	165
Extraordinary gains, net	$0	44
Net income	$59,858,000	165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,953,000	187
Cash dividends	$63,500,000	113
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$59,833,210	162
1996-12-31 (YTD Data)		Rank
Total interest income	$229,544,000	236
Total interest expense	$74,183,000	318
Net interest income	$155,361,000	199
Provision for loan and lease losses	$10,505,000	197
Total noninterest income	$47,685,000	241
Gross Fiduciary activities income	$6,333,000	195
Service charges on deposit accounts	$15,072,000	153
Trading account gains and fees	$0	262
Additional Noninterest Income	$26,280,000	242
Total noninterest expense	$110,289,000	231
Salaries and employee benefits	$46,813,000	206
Premises and equipment expense	$13,346,000	229
Additional noninterest expense	$50,130,000	242
Pre-tax net operating income	$82,252,000	173
Securities gains (losses)	$24,000	1,866
Applicable income taxes	$27,164,000	182
Income before extraordinary items	$55,112,000	172
Extraordinary gains, net	$0	53
Net income	$55,112,000	171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,267,000	259
Cash dividends	$42,000,000	159
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$55,095,920	171
1995-12-31 (YTD Data)		Rank
Total interest income	$225,277,000	249
Total interest expense	$79,324,000	319
Net interest income	$145,953,000	210
Provision for loan and lease losses	$5,920,000	285
Total noninterest income	$43,340,000	247
Gross Fiduciary activities income	$4,275,000	248
Service charges on deposit accounts	$14,230,000	171
Trading account gains and fees	$0	522
Additional Noninterest Income	$24,835,000	244
Total noninterest expense	$108,470,000	231
Salaries and employee benefits	$42,976,000	221
Premises and equipment expense	$12,214,000	246
Additional noninterest expense	$53,280,000	232
Pre-tax net operating income	$74,903,000	196
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$24,287,000	197
Income before extraordinary items	$50,617,000	192
Extraordinary gains, net	$0	65
Net income	$50,617,000	191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,938,000	271
Cash dividends	$58,250,000	109
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$50,616,320	190
1994-12-31 (YTD Data)		Rank
Total interest income	$224,272,000	228
Total interest expense	$70,143,000	292
Net interest income	$154,129,000	194
Provision for loan and lease losses	$4,602,000	304
Total noninterest income	$42,344,000	247
Gross Fiduciary activities income	$3,596,000	270
Service charges on deposit accounts	$13,620,000	174
Trading account gains and fees	$0	475
Additional Noninterest Income	$25,128,000	238
Total noninterest expense	$109,225,000	225
Salaries and employee benefits	$42,293,000	217
Premises and equipment expense	$12,450,000	244
Additional noninterest expense	$54,482,000	224
Pre-tax net operating income	$82,646,000	169
Securities gains (losses)	$0	3,600
Applicable income taxes	$26,068,000	179
Income before extraordinary items	$56,578,000	164
Extraordinary gains, net	$0	249
Net income	$56,578,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,814,000	360
Cash dividends	$61,250,000	97
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$56,578,000	168
1993-12-31 (YTD Data)		Rank
Total interest income	$225,525,000	216
Total interest expense	$71,120,000	268
Net interest income	$154,405,000	183
Provision for loan and lease losses	$3,443,000	556
Total noninterest income	$40,322,000	249
Gross Fiduciary activities income	$3,577,000	273
Service charges on deposit accounts	$12,977,000	177
Trading account gains and fees	$0	532
Additional Noninterest Income	$23,768,000	239
Total noninterest expense	$108,887,000	227
Salaries and employee benefits	$42,253,000	216
Premises and equipment expense	$12,262,000	242
Additional noninterest expense	$54,372,000	225
Pre-tax net operating income	$82,397,000	147
Securities gains (losses)	$19,000	4,737
Applicable income taxes	$25,791,000	147
Income before extraordinary items	$56,625,000	155
Extraordinary gains, net	$0	3,149
Net income	$56,625,000	156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,654,000	502
Cash dividends	$29,300,000	133
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$56,611,890	149
1992-12-31 (YTD Data)		Rank
Total interest income	$230,488,000	220
Total interest expense	$86,274,000	288
Net interest income	$144,214,000	182
Provision for loan and lease losses	$10,040,000	367
Total noninterest income	$37,845,000	247
Gross Fiduciary activities income	$3,173,000	295
Service charges on deposit accounts	$12,532,000	173
Trading account gains and fees	$0	504
Additional Noninterest Income	$22,140,000	245
Total noninterest expense	$103,843,000	232
Salaries and employee benefits	$38,877,000	223
Premises and equipment expense	$11,881,000	254
Additional noninterest expense	$53,085,000	233
Pre-tax net operating income	$68,176,000	128
Securities gains (losses)	$0	8,369
Applicable income taxes	$20,331,000	143
Income before extraordinary items	$47,845,000	139
Extraordinary gains, net	$-505,000	13,823
Net income	$47,340,000	141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,265,000	378
Cash dividends	$23,275,000	116
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$47,845,000	124

* 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.