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Mill Creek Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$73,717,000154
Total interest expense$21,065,000168
Net interest income$52,652,000144
Provision for loan and lease losses$34,738,00044
Total noninterest income$27,785,000152
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$27,785,000116
Total noninterest expense$28,835,000197
Salaries and employee benefits$10,237,000240
Premises and equipment expense$1,147,000528
Additional noninterest expense$17,451,000154
Pre-tax net operating income$16,864,000208
Securities gains (losses)$02,891
Applicable income taxes$6,702,000196
Income before extraordinary items$10,162,000242
Extraordinary gains, net$021
Net income$10,162,000242
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,078,00047
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$10,162,000222
2002-12-31 (YTD Data)Rank
Total interest income$378,992,000139
Total interest expense$91,233,000175
Net interest income$287,759,000123
Provision for loan and lease losses$143,938,00046
Total noninterest income$139,565,000129
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$139,565,00095
Total noninterest expense$114,069,000204
Salaries and employee benefits$9,021,000894
Premises and equipment expense$2,911,000756
Additional noninterest expense$102,137,000120
Pre-tax net operating income$169,317,000111
Securities gains (losses)$04,537
Applicable income taxes$65,128,000105
Income before extraordinary items$104,189,000130
Extraordinary gains, net$070
Net income$104,189,000130
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,908,00052
Cash dividends$77,000,000107
Sale, conversion, retirement of capital stock, net$0862
Net operating income$104,189,000118
2001-12-31 (YTD Data)Rank
Total interest income$393,542,000148
Total interest expense$130,185,000185
Net interest income$263,357,000123
Provision for loan and lease losses$160,808,00048
Total noninterest income$148,506,000130
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$148,506,000102
Total noninterest expense$119,290,000199
Salaries and employee benefits$1,560,0004,370
Premises and equipment expense$346,0005,065
Additional noninterest expense$117,384,000125
Pre-tax net operating income$131,765,000130
Securities gains (losses)$04,612
Applicable income taxes$48,719,000127
Income before extraordinary items$83,046,000142
Extraordinary gains, net$0105
Net income$83,046,000141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$154,629,00039
Cash dividends$57,000,000125
Sale, conversion, retirement of capital stock, net$0922
Net operating income$83,046,000136
2000-12-31 (YTD Data)Rank
Total interest income$258,912,000210
Total interest expense$101,011,000256
Net interest income$157,901,000178
Provision for loan and lease losses$121,369,00051
Total noninterest income$86,347,000167
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$0180
Additional Noninterest Income$86,347,000135
Total noninterest expense$17,657,000821
Salaries and employee benefits$1,704,0003,946
Premises and equipment expense$287,0005,563
Additional noninterest expense$15,666,000421
Pre-tax net operating income$105,222,000148
Securities gains (losses)$01,956
Applicable income taxes$40,023,000132
Income before extraordinary items$65,199,000148
Extraordinary gains, net$038
Net income$65,199,000148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,244,00058
Cash dividends$10,000,000374
Sale, conversion, retirement of capital stock, net$0969
Net operating income$65,199,000154
1999-12-31 (YTD Data)Rank
Total interest income$85,184,000454
Total interest expense$27,836,000597
Net interest income$57,348,000378
Provision for loan and lease losses$43,008,00082
Total noninterest income$58,378,000212
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$08,885
Trading account gains and feesNANA
Additional Noninterest Income$58,378,000166
Total noninterest expense$21,447,000721
Salaries and employee benefits$527,0008,174
Premises and equipment expense$165,0007,398
Additional noninterest expense$20,755,000356
Pre-tax net operating income$51,271,000244
Securities gains (losses)$03,155
Applicable income taxes$18,945,000237
Income before extraordinary items$32,326,000255
Extraordinary gains, net$035
Net income$32,326,000257
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,249,000146
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$32,326,000249
1998-12-31 (YTD Data)Rank
Total interest income$11,712,0002,760
Total interest expense$1,407,0007,404
Net interest income$10,305,0001,655
Provision for loan and lease losses$1,246,000798
Total noninterest income$15,617,000438
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,085
Trading account gains and feesNANA
Additional Noninterest Income$15,617,000340
Total noninterest expense$3,180,0003,909
Salaries and employee benefits$365,0009,188
Premises and equipment expense$58,0009,619
Additional noninterest expense$2,757,0001,561
Pre-tax net operating income$21,496,000425
Securities gains (losses)$04,449
Applicable income taxes$7,803,000410
Income before extraordinary items$13,693,000445
Extraordinary gains, net$032
Net income$13,693,000445
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$278,0001,969
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$13,693,000428
1997-12-31 (YTD Data)Rank
Total interest income$89,00010,880
Total interest expense$010,898
Net interest income$89,00010,861
Provision for loan and lease losses$08,829
Total noninterest income$4,00010,845
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$4,00010,710
Total noninterest expense$427,00010,394
Salaries and employee benefits$12,00010,903
Premises and equipment expense$010,895
Additional noninterest expense$423,0007,170
Pre-tax net operating income$-342,00010,661
Securities gains (losses)$03,944
Applicable income taxes$-131,00010,743
Income before extraordinary items$-211,00010,619
Extraordinary gains, net$044
Net income$-211,00010,619
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$10,000,00086
Net operating income$-211,00010,591

* 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.