MTB Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,919,000 | 1,628 |
| Total interest expense | $9,593,000 | 1,567 |
| Net interest income | $10,326,000 | 1,687 |
| Provision for loan and lease losses | $1,762,000 | 626 |
| Total noninterest income | $18,490,000 | 415 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,906,000 | 359 |
| Trading account gains and fees | $7,696,000 | 45 |
| Additional Noninterest Income | $6,888,000 | 545 |
| Total noninterest expense | $23,887,000 | 661 |
| Salaries and employee benefits | $12,820,000 | 566 |
| Premises and equipment expense | $3,493,000 | 625 |
| Additional noninterest expense | $7,574,000 | 734 |
| Pre-tax net operating income | $3,167,000 | 2,291 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $407,000 | 4,113 |
| Income before extraordinary items | $2,760,000 | 1,929 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,760,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,762,000 | 489 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,760,000 | 1,899 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,557,000 | 1,372 |
| Total interest expense | $13,427,000 | 1,146 |
| Net interest income | $10,130,000 | 1,687 |
| Provision for loan and lease losses | $4,136,000 | 372 |
| Total noninterest income | $26,994,000 | 304 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $3,297,000 | 396 |
| Trading account gains and fees | $8,402,000 | 44 |
| Additional Noninterest Income | $15,295,000 | 345 |
| Total noninterest expense | $32,555,000 | 499 |
| Salaries and employee benefits | $16,723,000 | 437 |
| Premises and equipment expense | $3,753,000 | 577 |
| Additional noninterest expense | $12,079,000 | 516 |
| Pre-tax net operating income | $433,000 | 7,702 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $232,000 | 5,807 |
| Income before extraordinary items | $201,000 | 8,613 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $201,000 | 8,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,931,000 | 255 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $201,000 | 8,542 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,449,000 | 1,271 |
| Total interest expense | $17,518,000 | 934 |
| Net interest income | $8,931,000 | 1,947 |
| Provision for loan and lease losses | $2,018,000 | 584 |
| Total noninterest income | $20,880,000 | 343 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,389,000 | 392 |
| Trading account gains and fees | $9,834,000 | 35 |
| Additional Noninterest Income | $7,657,000 | 479 |
| Total noninterest expense | $31,703,000 | 496 |
| Salaries and employee benefits | $17,380,000 | 404 |
| Premises and equipment expense | $2,473,000 | 819 |
| Additional noninterest expense | $11,850,000 | 505 |
| Pre-tax net operating income | $-3,910,000 | 10,918 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $592,000 | 3,717 |
| Income before extraordinary items | $-4,502,000 | 10,906 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-4,502,000 | 10,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,126,000 | 735 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-4,502,000 | 10,900 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $26,232,000 | 1,298 |
| Total interest expense | $16,948,000 | 977 |
| Net interest income | $9,284,000 | 1,928 |
| Provision for loan and lease losses | $1,940,000 | 636 |
| Total noninterest income | $22,670,000 | 358 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,989,000 | 315 |
| Trading account gains and fees | $9,797,000 | 38 |
| Additional Noninterest Income | $7,884,000 | 495 |
| Total noninterest expense | $31,244,000 | 544 |
| Salaries and employee benefits | $15,419,000 | 469 |
| Premises and equipment expense | $2,902,000 | 755 |
| Additional noninterest expense | $12,924,000 | 551 |
| Pre-tax net operating income | $-1,230,000 | 11,364 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-541,000 | 11,360 |
| Income before extraordinary items | $-689,000 | 11,312 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-689,000 | 11,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,066 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-689,000 | 11,288 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,795,000 | 1,717 |
| Total interest expense | $10,737,000 | 1,504 |
| Net interest income | $9,058,000 | 1,982 |
| Provision for loan and lease losses | $1,323,000 | 769 |
| Total noninterest income | $20,983,000 | 383 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $4,786,000 | 350 |
| Trading account gains and fees | $9,666,000 | 46 |
| Additional Noninterest Income | $6,531,000 | 559 |
| Total noninterest expense | $24,705,000 | 672 |
| Salaries and employee benefits | $12,287,000 | 577 |
| Premises and equipment expense | $2,470,000 | 883 |
| Additional noninterest expense | $9,948,000 | 690 |
| Pre-tax net operating income | $4,013,000 | 1,844 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,766,000 | 1,418 |
| Income before extraordinary items | $2,247,000 | 2,241 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,247,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,644,000 | 649 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,247,000 | 2,217 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,848,000 | 2,358 |
| Total interest expense | $6,853,000 | 1,832 |
| Net interest income | $5,995,000 | 2,995 |
| Provision for loan and lease losses | $610,000 | 1,312 |
| Total noninterest income | $18,711,000 | 392 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,229,000 | 310 |
| Trading account gains and fees | $8,423,000 | 42 |
| Additional Noninterest Income | $5,059,000 | 641 |
| Total noninterest expense | $20,541,000 | 790 |
| Salaries and employee benefits | $10,873,000 | 655 |
| Premises and equipment expense | $2,423,000 | 888 |
| Additional noninterest expense | $7,245,000 | 887 |
| Pre-tax net operating income | $3,555,000 | 2,011 |
| Securities gains (losses) | $32,000 | 1,429 |
| Applicable income taxes | $1,578,000 | 1,488 |
| Income before extraordinary items | $2,009,000 | 2,425 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,009,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $843,000 | 982 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,988,520 | 2,461 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,139,000 | 4,246 |
| Total interest expense | $3,116,000 | 3,991 |
| Net interest income | $4,023,000 | 4,375 |
| Provision for loan and lease losses | $1,402,000 | 1,050 |
| Total noninterest income | $15,310,000 | 453 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $3,004,000 | 477 |
| Trading account gains and fees | $7,728,000 | 53 |
| Additional Noninterest Income | $4,578,000 | 722 |
| Total noninterest expense | $17,161,000 | 951 |
| Salaries and employee benefits | $9,029,000 | 768 |
| Premises and equipment expense | $2,059,000 | 1,056 |
| Additional noninterest expense | $6,073,000 | 1,084 |
| Pre-tax net operating income | $770,000 | 6,972 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $178,000 | 8,047 |
| Income before extraordinary items | $596,000 | 6,813 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $596,000 | 6,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,775,000 | 775 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $592,920 | 6,593 |
* 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.