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Intervest Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$15,315,0002,288
Total interest expense$10,302,0001,668
Net interest income$5,013,0003,456
Provision for loan and lease losses$-93,0009,801
Total noninterest income$135,0008,110
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$107,0006,443
Trading account gains and fees$0180
Additional Noninterest Income$28,0008,628
Total noninterest expense$2,031,0005,626
Salaries and employee benefits$1,107,0005,532
Premises and equipment expense$368,0004,774
Additional noninterest expense$556,0006,036
Pre-tax net operating income$3,210,0002,247
Securities gains (losses)$01,956
Applicable income taxes$1,208,0001,814
Income before extraordinary items$2,002,0002,566
Extraordinary gains, net$038
Net income$2,002,0002,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,002,0002,563
1999-12-31 (YTD Data)Rank
Total interest income$13,032,0002,514
Total interest expense$8,106,0001,836
Net interest income$4,926,0003,486
Provision for loan and lease losses$428,0001,988
Total noninterest income$141,0008,223
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$110,0006,532
Trading account gains and fees$0173
Additional Noninterest Income$31,0008,795
Total noninterest expense$2,046,0005,607
Salaries and employee benefits$1,065,0005,646
Premises and equipment expense$261,0005,901
Additional noninterest expense$720,0005,154
Pre-tax net operating income$2,593,0002,716
Securities gains (losses)$03,155
Applicable income taxes$951,0002,299
Income before extraordinary items$1,642,0003,023
Extraordinary gains, net$035
Net income$1,642,0003,024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,900
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,642,0002,987
1998-12-31 (YTD Data)Rank
Total interest income$12,110,0002,689
Total interest expense$7,978,0001,913
Net interest income$4,132,0004,022
Provision for loan and lease losses$424,0001,969
Total noninterest income$142,0008,349
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$111,0006,650
Trading account gains and fees$0224
Additional Noninterest Income$31,0008,965
Total noninterest expense$2,005,0005,593
Salaries and employee benefits$1,007,0005,770
Premises and equipment expense$399,0004,422
Additional noninterest expense$599,0005,764
Pre-tax net operating income$1,845,0003,561
Securities gains (losses)$04,449
Applicable income taxes$694,0003,050
Income before extraordinary items$1,151,0004,063
Extraordinary gains, net$032
Net income$1,151,0004,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0009,619
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$533,000549
Net operating income$1,151,0003,970
1997-12-31 (YTD Data)Rank
Total interest income$9,142,0003,532
Total interest expense$5,894,0002,528
Net interest income$3,248,0005,001
Provision for loan and lease losses$352,0002,316
Total noninterest income$102,0009,375
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$78,0007,689
Trading account gains and feesNANA
Additional Noninterest Income$24,0009,645
Total noninterest expense$1,831,0006,009
Salaries and employee benefits$907,0006,252
Premises and equipment expense$314,0005,292
Additional noninterest expense$610,0005,741
Pre-tax net operating income$1,167,0005,329
Securities gains (losses)$03,944
Applicable income taxes$413,0004,789
Income before extraordinary items$754,0005,661
Extraordinary gains, net$044
Net income$754,0005,664
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0009,989
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$1,000,000454
Net operating income$754,0005,618
1996-12-31 (YTD Data)Rank
Total interest income$6,093,0005,128
Total interest expense$3,745,0003,941
Net interest income$2,348,0006,480
Provision for loan and lease losses$250,0002,928
Total noninterest income$69,00010,506
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0008,785
Trading account gains and feesNANA
Additional Noninterest Income$17,00010,581
Total noninterest expense$1,406,0007,375
Salaries and employee benefits$739,0007,312
Premises and equipment expense$317,0005,368
Additional noninterest expense$350,0008,355
Pre-tax net operating income$761,0006,651
Securities gains (losses)$04,148
Applicable income taxes$285,0006,004
Income before extraordinary items$476,0007,068
Extraordinary gains, net$053
Net income$476,0007,071
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0006,057
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$476,0007,005
1995-12-31 (YTD Data)Rank
Total interest income$4,038,0006,943
Total interest expense$2,225,0006,033
Net interest income$1,813,0007,734
Provision for loan and lease losses$232,0002,745
Total noninterest income$73,00010,885
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$59,0008,952
Trading account gains and feesNANA
Additional Noninterest Income$14,00011,268
Total noninterest expense$1,330,0007,794
Salaries and employee benefits$577,0008,514
Premises and equipment expense$335,0005,198
Additional noninterest expense$418,0008,021
Pre-tax net operating income$324,0009,580
Securities gains (losses)$03,831
Applicable income taxes$105,0009,072
Income before extraordinary items$219,0009,726
Extraordinary gains, net$065
Net income$219,0009,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,680
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$1,000,000293
Net operating income$219,0009,696
1994-12-31 (YTD Data)Rank
Total interest income$2,147,0009,526
Total interest expense$802,0009,598
Net interest income$1,345,0009,325
Provision for loan and lease losses$125,0003,960
Total noninterest income$75,00011,378
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$63,0009,250
Trading account gains and feesNANA
Additional Noninterest Income$12,00011,965
Total noninterest expense$953,0009,538
Salaries and employee benefits$421,00010,098
Premises and equipment expense$206,0007,296
Additional noninterest expense$326,0009,645
Pre-tax net operating income$342,0009,797
Securities gains (losses)$-9,0009,765
Applicable income taxes$125,0008,819
Income before extraordinary items$208,00010,186
Extraordinary gains, net$0249
Net income$208,00010,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,696
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$213,76010,167
1993-12-31 (YTD Data)Rank
Total interest income$1,742,00010,722
Total interest expense$680,00010,711
Net interest income$1,062,00010,556
Provision for loan and lease losses$90,0006,008
Total noninterest income$86,00011,666
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$70,0009,341
Trading account gains and feesNANA
Additional Noninterest Income$16,00012,333
Total noninterest expense$1,076,0009,417
Salaries and employee benefits$507,0009,600
Premises and equipment expense$201,0007,662
Additional noninterest expense$368,0009,631
Pre-tax net operating income$-18,00012,486
Securities gains (losses)$56,0003,232
Applicable income taxes$8,00011,870
Income before extraordinary items$30,00012,378
Extraordinary gains, net$03,149
Net income$30,00012,398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0004,007
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$3,959,000235
Net operating income$-14,24012,435
1992-12-31 (YTD Data)Rank
Total interest income$2,099,00010,702
Total interest expense$997,00010,400
Net interest income$1,102,00010,690
Provision for loan and lease losses$279,0004,321
Total noninterest income$121,00011,154
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$95,0008,668
Trading account gains and feesNANA
Additional Noninterest Income$26,00012,093
Total noninterest expense$1,261,0008,804
Salaries and employee benefits$452,00010,288
Premises and equipment expense$268,0006,470
Additional noninterest expense$541,0008,072
Pre-tax net operating income$-317,00013,183
Securities gains (losses)$47,0004,236
Applicable income taxes$012,680
Income before extraordinary items$-270,00013,232
Extraordinary gains, net$01,422
Net income$-270,00013,226
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$569,0002,255
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-317,00013,157

* 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.