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MountainBank, Income and Expense

2003-09-30 (YTD Data)Rank
Total interest income$37,319,000583
Total interest expense$13,057,000548
Net interest income$24,262,000598
Provision for loan and lease losses$3,780,000340
Total noninterest income$6,764,000737
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,248,000585
Trading account gains and fees$0153
Additional Noninterest Income$4,516,000688
Total noninterest expense$17,785,000705
Salaries and employee benefits$9,812,000672
Premises and equipment expense$2,431,000724
Additional noninterest expense$5,542,000711
Pre-tax net operating income$9,461,000720
Securities gains (losses)$167,0001,343
Applicable income taxes$3,659,000662
Income before extraordinary items$5,969,000846
Extraordinary gains, net$040
Net income$5,969,000848
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,820,000343
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$5,862,120801
2003-06-30 (YTD Data)Rank
Total interest income$24,977,000590
Total interest expense$9,117,000544
Net interest income$15,860,000611
Provision for loan and lease losses$2,380,000350
Total noninterest income$4,366,000749
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,434,000596
Trading account gains and fees$0150
Additional Noninterest Income$2,932,000684
Total noninterest expense$11,212,000736
Salaries and employee benefits$5,972,000732
Premises and equipment expense$1,606,000726
Additional noninterest expense$3,634,000723
Pre-tax net operating income$6,634,000691
Securities gains (losses)$167,0001,158
Applicable income taxes$2,584,000626
Income before extraordinary items$4,217,000804
Extraordinary gains, net$030
Net income$4,217,000805
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,972,000333
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$4,110,120762
2003-03-31 (YTD Data)Rank
Total interest income$12,593,000591
Total interest expense$4,665,000546
Net interest income$7,928,000613
Provision for loan and lease losses$1,375,000307
Total noninterest income$2,074,000756
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$685,000607
Trading account gains and fees$0134
Additional Noninterest Income$1,389,000701
Total noninterest expense$5,241,000779
Salaries and employee benefits$2,758,000787
Premises and equipment expense$769,000767
Additional noninterest expense$1,714,000741
Pre-tax net operating income$3,386,000672
Securities gains (losses)$167,000729
Applicable income taxes$1,350,000609
Income before extraordinary items$2,203,000768
Extraordinary gains, net$021
Net income$2,203,000767
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,838,000230
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$2,096,120744
2002-12-31 (YTD Data)Rank
Total interest income$46,038,000663
Total interest expense$18,141,000624
Net interest income$27,897,000678
Provision for loan and lease losses$5,300,000371
Total noninterest income$6,250,000870
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$2,431,000673
Trading account gains and fees$0153
Additional Noninterest Income$3,819,000847
Total noninterest expense$17,842,000881
Salaries and employee benefits$9,429,000855
Premises and equipment expense$2,623,000832
Additional noninterest expense$5,790,000864
Pre-tax net operating income$11,005,000786
Securities gains (losses)$265,000985
Applicable income taxes$4,281,000681
Income before extraordinary items$6,989,000895
Extraordinary gains, net$070
Net income$6,989,000893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,222,000804
Cash dividends$350,0004,054
Sale, conversion, retirement of capital stock, net$0862
Net operating income$6,819,400880
2001-12-31 (YTD Data)Rank
Total interest income$30,220,0001,124
Total interest expense$16,398,000976
Net interest income$13,822,0001,286
Provision for loan and lease losses$3,347,000479
Total noninterest income$2,543,0001,675
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$958,0001,546
Trading account gains and fees$0177
Additional Noninterest Income$1,585,0001,463
Total noninterest expense$8,921,0001,633
Salaries and employee benefits$4,804,0001,570
Premises and equipment expense$1,238,0001,748
Additional noninterest expense$2,879,0001,614
Pre-tax net operating income$4,097,0001,741
Securities gains (losses)$121,0001,598
Applicable income taxes$1,377,0001,624
Income before extraordinary items$2,841,0001,853
Extraordinary gains, net$0105
Net income$2,841,0001,856
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$471,0001,623
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$6,258,000138
Net operating income$2,759,9301,826
2000-12-31 (YTD Data)Rank
Total interest income$15,897,0002,203
Total interest expense$9,017,0001,910
Net interest income$6,880,0002,586
Provision for loan and lease losses$1,905,000633
Total noninterest income$1,229,0002,708
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$468,0002,870
Trading account gains and feesNANA
Additional Noninterest Income$761,0002,213
Total noninterest expense$4,565,0002,957
Salaries and employee benefits$2,438,0002,898
Premises and equipment expense$674,0002,962
Additional noninterest expense$1,453,0002,895
Pre-tax net operating income$1,639,0003,818
Securities gains (losses)$01,956
Applicable income taxes$583,0003,170
Income before extraordinary items$1,056,0004,224
Extraordinary gains, net$038
Net income$1,056,0004,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$145,0002,923
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$6,734,000130
Net operating income$1,056,0004,226
1999-12-31 (YTD Data)Rank
Total interest income$6,829,0004,493
Total interest expense$3,561,0003,985
Net interest income$3,268,0004,866
Provision for loan and lease losses$827,0001,159
Total noninterest income$686,0004,049
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0004,702
Trading account gains and feesNANA
Additional Noninterest Income$453,0003,151
Total noninterest expense$2,801,0004,470
Salaries and employee benefits$1,408,0004,566
Premises and equipment expense$373,0004,751
Additional noninterest expense$1,020,0003,961
Pre-tax net operating income$326,0007,942
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$326,0007,427
Extraordinary gains, net$035
Net income$326,0007,428
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$332,0001,675
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$3,802,000317
Net operating income$326,0007,403
1998-12-31 (YTD Data)Rank
Total interest income$3,526,0006,921
Total interest expense$1,764,0006,620
Net interest income$1,762,0007,138
Provision for loan and lease losses$471,0001,809
Total noninterest income$414,0005,504
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$100,0006,853
Trading account gains and feesNANA
Additional Noninterest Income$314,0003,919
Total noninterest expense$1,575,0006,487
Salaries and employee benefits$809,0006,650
Premises and equipment expense$246,0006,015
Additional noninterest expense$520,0006,295
Pre-tax net operating income$130,0009,281
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$130,0009,114
Extraordinary gains, net$032
Net income$130,0009,111
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$49,000863
Net operating income$130,0009,040
1997-12-31 (YTD Data)Rank
Total interest income$677,00010,588
Total interest expense$249,00010,599
Net interest income$428,00010,518
Provision for loan and lease losses$281,0002,754
Total noninterest income$103,0009,351
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$10,0009,287
Trading account gains and feesNANA
Additional Noninterest Income$93,0006,977
Total noninterest expense$579,0009,830
Salaries and employee benefits$295,0009,986
Premises and equipment expense$85,0009,322
Additional noninterest expense$199,0009,418
Pre-tax net operating income$-329,00010,654
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-329,00010,692
Extraordinary gains, net$044
Net income$-329,00010,692
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$01,030
Net operating income$-329,00010,672

* 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.