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Meridian Capital Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$6,706,0004,568
Total interest expense$3,078,0004,629
Net interest income$3,628,0004,451
Provision for loan and lease losses$160,0004,638
Total noninterest income$784,0003,908
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$215,0004,997
Trading account gains and fees$0177
Additional Noninterest Income$569,0002,920
Total noninterest expense$4,395,0003,141
Salaries and employee benefits$2,241,0003,273
Premises and equipment expense$352,0005,011
Additional noninterest expense$1,802,0002,472
Pre-tax net operating income$-143,0008,911
Securities gains (losses)$10,0003,593
Applicable income taxes$24,0007,209
Income before extraordinary items$-157,0009,004
Extraordinary gains, net$0105
Net income$-157,0009,005
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,448
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-167,0008,960
2000-12-31 (YTD Data)Rank
Total interest income$6,360,0004,894
Total interest expense$3,453,0004,428
Net interest income$2,907,0005,264
Provision for loan and lease losses$240,0003,322
Total noninterest income$972,0003,201
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$138,0005,937
Trading account gains and feesNANA
Additional Noninterest Income$834,0002,101
Total noninterest expense$3,453,0003,745
Salaries and employee benefits$1,926,0003,583
Premises and equipment expense$270,0005,774
Additional noninterest expense$1,257,0003,272
Pre-tax net operating income$186,0008,418
Securities gains (losses)$01,956
Applicable income taxes$25,0007,722
Income before extraordinary items$161,0008,345
Extraordinary gains, net$038
Net income$161,0008,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0003,443
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$161,0008,349
1999-12-31 (YTD Data)Rank
Total interest income$4,903,0005,648
Total interest expense$2,854,0004,775
Net interest income$2,049,0006,552
Provision for loan and lease losses$359,0002,316
Total noninterest income$189,0007,623
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0006,515
Trading account gains and feesNANA
Additional Noninterest Income$78,0007,202
Total noninterest expense$3,375,0003,811
Salaries and employee benefits$1,996,0003,450
Premises and equipment expense$246,0006,090
Additional noninterest expense$1,133,0003,623
Pre-tax net operating income$-1,496,00010,133
Securities gains (losses)$03,155
Applicable income taxes$147,0006,313
Income before extraordinary items$-1,643,00010,145
Extraordinary gains, net$035
Net income$-1,643,00010,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0005,834
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-1,643,00010,137
1998-12-31 (YTD Data)Rank
Total interest income$4,974,0005,698
Total interest expense$3,012,0004,712
Net interest income$1,962,0006,741
Provision for loan and lease losses$268,0002,883
Total noninterest income$218,0007,358
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$98,0006,890
Trading account gains and feesNANA
Additional Noninterest Income$120,0006,209
Total noninterest expense$1,515,0006,651
Salaries and employee benefits$901,0006,205
Premises and equipment expense$186,0006,941
Additional noninterest expense$428,0006,999
Pre-tax net operating income$397,0007,895
Securities gains (losses)$15,0002,661
Applicable income taxes$-12,00010,030
Income before extraordinary items$424,0007,068
Extraordinary gains, net$032
Net income$424,0007,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$210,0002,361
Cash dividends$150,0005,770
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$409,0007,066
1997-12-31 (YTD Data)Rank
Total interest income$4,864,0005,910
Total interest expense$2,995,0004,721
Net interest income$1,869,0007,187
Provision for loan and lease losses$80,0005,644
Total noninterest income$203,0007,801
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$101,0007,173
Trading account gains and feesNANA
Additional Noninterest Income$102,0006,733
Total noninterest expense$1,360,0007,144
Salaries and employee benefits$828,0006,643
Premises and equipment expense$179,0007,216
Additional noninterest expense$353,0007,780
Pre-tax net operating income$632,0007,283
Securities gains (losses)$3,0003,097
Applicable income taxes$73,0008,861
Income before extraordinary items$562,0006,580
Extraordinary gains, net$044
Net income$562,0006,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0009,783
Cash dividends$250,0004,919
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$559,3306,553
1996-12-31 (YTD Data)Rank
Total interest income$4,663,0006,233
Total interest expense$2,898,0004,938
Net interest income$1,765,0007,634
Provision for loan and lease losses$139,0004,278
Total noninterest income$256,0007,503
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$93,0007,643
Trading account gains and feesNANA
Additional Noninterest Income$163,0005,724
Total noninterest expense$1,338,0007,549
Salaries and employee benefits$803,0006,969
Premises and equipment expense$166,0007,709
Additional noninterest expense$369,0008,163
Pre-tax net operating income$544,0007,710
Securities gains (losses)$-6,00010,029
Applicable income taxes$-46,00011,064
Income before extraordinary items$584,0006,369
Extraordinary gains, net$053
Net income$584,0006,371
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,511
Cash dividends$3,650,000817
Sale, conversion, retirement of capital stock, net$0953
Net operating income$590,0006,265
1995-12-31 (YTD Data)Rank
Total interest income$4,610,0006,339
Total interest expense$2,693,0005,241
Net interest income$1,917,0007,491
Provision for loan and lease losses$85,0004,951
Total noninterest income$199,0008,437
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$89,0008,057
Trading account gains and feesNANA
Additional Noninterest Income$110,0006,935
Total noninterest expense$1,303,0007,852
Salaries and employee benefits$780,0007,214
Premises and equipment expense$167,0007,878
Additional noninterest expense$356,0008,641
Pre-tax net operating income$728,0007,179
Securities gains (losses)$03,831
Applicable income taxes$56,00010,067
Income before extraordinary items$672,0006,167
Extraordinary gains, net$065
Net income$672,0006,165
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$118,0003,415
Cash dividends$8,0008,610
Sale, conversion, retirement of capital stock, net$0809
Net operating income$672,0006,144
1994-12-31 (YTD Data)Rank
Total interest income$4,348,0006,308
Total interest expense$2,298,0004,984
Net interest income$2,050,0007,445
Provision for loan and lease losses$09,146
Total noninterest income$195,0008,813
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0008,439
Trading account gains and feesNANA
Additional Noninterest Income$107,0007,294
Total noninterest expense$1,286,0008,297
Salaries and employee benefits$764,0007,422
Premises and equipment expense$137,0008,902
Additional noninterest expense$385,0008,974
Pre-tax net operating income$959,0006,123
Securities gains (losses)$03,600
Applicable income taxes$193,0007,460
Income before extraordinary items$766,0005,525
Extraordinary gains, net$0249
Net income$766,0005,542
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,00011,321
Cash dividends$20,0008,568
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$766,0005,598
1993-12-31 (YTD Data)Rank
Total interest income$4,134,0006,715
Total interest expense$2,149,0005,499
Net interest income$1,985,0007,722
Provision for loan and lease losses$3,00010,228
Total noninterest income$161,00010,000
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0008,760
Trading account gains and feesNANA
Additional Noninterest Income$73,0008,943
Total noninterest expense$1,357,0008,309
Salaries and employee benefits$688,0008,079
Premises and equipment expense$147,0008,987
Additional noninterest expense$522,0008,013
Pre-tax net operating income$786,0006,883
Securities gains (losses)$129,0002,164
Applicable income taxes$224,0007,193
Income before extraordinary items$691,0006,174
Extraordinary gains, net$03,149
Net income$691,0006,337
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0008,470
Cash dividends$20,0008,663
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$592,9606,592
1992-12-31 (YTD Data)Rank
Total interest income$4,510,0006,883
Total interest expense$2,555,0005,885
Net interest income$1,955,0007,885
Provision for loan and lease losses$46,0009,271
Total noninterest income$140,00010,689
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$85,0008,993
Trading account gains and feesNANA
Additional Noninterest Income$55,00010,088
Total noninterest expense$1,156,0009,258
Salaries and employee benefits$635,0008,508
Premises and equipment expense$127,0009,784
Additional noninterest expense$394,0009,629
Pre-tax net operating income$893,0006,134
Securities gains (losses)$33,0004,829
Applicable income taxes$223,0007,127
Income before extraordinary items$703,0005,895
Extraordinary gains, net$01,422
Net income$703,0005,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-51,00013,490
Cash dividends$20,0008,461
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$677,9205,711

* 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.