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Marina Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,454,000	8,750
Total interest expense	$958,000	9,160
Net interest income	$1,496,000	8,278
Provision for loan and lease losses	$30,000	7,397
Total noninterest income	$272,000	7,296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	5,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,649
Total noninterest expense	$1,598,000	6,850
Salaries and employee benefits	$789,000	7,034
Premises and equipment expense	$230,000	6,529
Additional noninterest expense	$579,000	6,489
Pre-tax net operating income	$140,000	10,143
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,000	10,529
Income before extraordinary items	$139,000	9,894
Extraordinary gains, net	$0	53
Net income	$139,000	9,892
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,803
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$139,000	9,838
1995-12-31 (YTD Data)		Rank
Total interest income	$2,659,000	8,700
Total interest expense	$1,025,000	9,164
Net interest income	$1,634,000	8,180
Provision for loan and lease losses	$80,000	5,097
Total noninterest income	$294,000	7,142
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$218,000	5,381
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	8,106
Total noninterest expense	$1,627,000	6,911
Salaries and employee benefits	$802,000	7,092
Premises and equipment expense	$224,000	6,765
Additional noninterest expense	$601,000	6,532
Pre-tax net operating income	$221,000	10,314
Securities gains (losses)	$0	3,831
Applicable income taxes	$-139,000	11,750
Income before extraordinary items	$360,000	8,390
Extraordinary gains, net	$0	65
Net income	$360,000	8,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,739
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$360,000	8,372
1994-12-31 (YTD Data)		Rank
Total interest income	$1,577,000	10,570
Total interest expense	$354,000	11,814
Net interest income	$1,223,000	9,699
Provision for loan and lease losses	$30,000	7,083
Total noninterest income	$295,000	7,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$214,000	5,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	8,198
Total noninterest expense	$1,466,000	7,707
Salaries and employee benefits	$696,000	7,913
Premises and equipment expense	$195,000	7,536
Additional noninterest expense	$575,000	7,213
Pre-tax net operating income	$22,000	12,014
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$22,000	11,960
Extraordinary gains, net	$0	249
Net income	$22,000	11,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$22,000	11,996
1993-12-31 (YTD Data)		Rank
Total interest income	$1,432,000	11,380
Total interest expense	$347,000	12,452
Net interest income	$1,085,000	10,468
Provision for loan and lease losses	$209,000	3,826
Total noninterest income	$281,000	7,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$240,000	5,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,614
Total noninterest expense	$1,273,000	8,609
Salaries and employee benefits	$548,000	9,240
Premises and equipment expense	$182,000	8,093
Additional noninterest expense	$543,000	7,832
Pre-tax net operating income	$-116,000	12,611
Securities gains (losses)	$43,000	3,630
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$-74,000	12,639
Extraordinary gains, net	$0	3,149
Net income	$-74,000	12,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	3,853
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$636,000	552
Net operating income	$-117,000	12,581
1992-12-31 (YTD Data)		Rank
Total interest income	$1,595,000	11,744
Total interest expense	$557,000	12,499
Net interest income	$1,038,000	10,945
Provision for loan and lease losses	$268,000	4,430
Total noninterest income	$265,000	8,252
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$217,000	5,683
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$1,234,000	8,902
Salaries and employee benefits	$534,000	9,430
Premises and equipment expense	$175,000	8,439
Additional noninterest expense	$525,000	8,241
Pre-tax net operating income	$-199,000	13,087
Securities gains (losses)	$0	8,369
Applicable income taxes	$1,000	12,632
Income before extraordinary items	$-200,000	13,182
Extraordinary gains, net	$0	1,422
Net income	$-200,000	13,174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$199,000	4,214
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$272,000	674
Net operating income	$-200,000	13,062

* 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.