NMBT, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,745,000 | 1,310 |
| Total interest expense | $9,876,000 | 1,518 |
| Net interest income | $14,869,000 | 1,180 |
| Provision for loan and lease losses | $207,000 | 3,482 |
| Total noninterest income | $2,991,000 | 1,356 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,016,000 | 1,294 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,975,000 | 1,167 |
| Total noninterest expense | $11,656,000 | 1,188 |
| Salaries and employee benefits | $6,365,000 | 1,077 |
| Premises and equipment expense | $1,876,000 | 1,078 |
| Additional noninterest expense | $3,415,000 | 1,352 |
| Pre-tax net operating income | $5,997,000 | 1,277 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $1,836,000 | 1,329 |
| Income before extraordinary items | $4,154,000 | 1,307 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,154,000 | 1,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,769 |
| Cash dividends | $1,379,000 | 1,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,158,830 | 1,287 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,190,000 | 1,331 |
| Total interest expense | $10,120,000 | 1,509 |
| Net interest income | $14,070,000 | 1,204 |
| Provision for loan and lease losses | $371,000 | 2,192 |
| Total noninterest income | $2,810,000 | 1,412 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,011,000 | 1,237 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,799,000 | 1,244 |
| Total noninterest expense | $11,246,000 | 1,164 |
| Salaries and employee benefits | $6,061,000 | 1,072 |
| Premises and equipment expense | $1,822,000 | 1,054 |
| Additional noninterest expense | $3,363,000 | 1,311 |
| Pre-tax net operating income | $5,263,000 | 1,414 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $1,918,000 | 1,319 |
| Income before extraordinary items | $3,396,000 | 1,554 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,396,000 | 1,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 10,055 |
| Cash dividends | $1,041,000 | 2,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,363,360 | 1,508 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,709,000 | 1,444 |
| Total interest expense | $9,220,000 | 1,689 |
| Net interest income | $13,489,000 | 1,286 |
| Provision for loan and lease losses | $582,000 | 1,581 |
| Total noninterest income | $2,189,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,034,000 | 1,227 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,155,000 | 1,599 |
| Total noninterest expense | $10,308,000 | 1,287 |
| Salaries and employee benefits | $5,381,000 | 1,225 |
| Premises and equipment expense | $1,774,000 | 1,128 |
| Additional noninterest expense | $3,153,000 | 1,372 |
| Pre-tax net operating income | $4,788,000 | 1,619 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,890,000 | 1,395 |
| Income before extraordinary items | $2,898,000 | 1,830 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,898,000 | 1,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,283 |
| Cash dividends | $545,000 | 3,300 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 758 |
| Net operating income | $2,898,000 | 1,785 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,268,000 | 1,652 |
| Total interest expense | $7,994,000 | 1,963 |
| Net interest income | $12,274,000 | 1,463 |
| Provision for loan and lease losses | $390,000 | 2,134 |
| Total noninterest income | $1,857,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $965,000 | 1,395 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $892,000 | 1,960 |
| Total noninterest expense | $10,570,000 | 1,356 |
| Salaries and employee benefits | $5,037,000 | 1,335 |
| Premises and equipment expense | $1,763,000 | 1,190 |
| Additional noninterest expense | $3,770,000 | 1,412 |
| Pre-tax net operating income | $3,171,000 | 2,251 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $379,000 | 5,064 |
| Income before extraordinary items | $2,792,000 | 1,774 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,792,000 | 1,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 1,358 |
| Cash dividends | $436,000 | 3,710 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 609 |
| Net operating income | $2,792,000 | 1,740 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,432,000 | 1,838 |
| Total interest expense | $7,084,000 | 2,198 |
| Net interest income | $11,348,000 | 1,580 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $1,461,000 | 2,325 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $766,000 | 1,778 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $695,000 | 2,303 |
| Total noninterest expense | $9,953,000 | 1,426 |
| Salaries and employee benefits | $4,959,000 | 1,341 |
| Premises and equipment expense | $1,771,000 | 1,180 |
| Additional noninterest expense | $3,223,000 | 1,595 |
| Pre-tax net operating income | $2,696,000 | 2,661 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $537,000 | 3,973 |
| Income before extraordinary items | $2,159,000 | 2,342 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,159,000 | 2,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $572,000 | 1,264 |
| Cash dividends | $329,000 | 4,315 |
| Sale, conversion, retirement of capital stock, net | $292,000 | 442 |
| Net operating income | $2,159,000 | 2,316 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,797,000 | 2,086 |
| Total interest expense | $4,757,000 | 2,577 |
| Net interest income | $10,040,000 | 1,800 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $1,451,000 | 2,359 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $733,000 | 1,831 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $718,000 | 2,291 |
| Total noninterest expense | $9,633,000 | 1,530 |
| Salaries and employee benefits | $4,434,000 | 1,513 |
| Premises and equipment expense | $1,613,000 | 1,295 |
| Additional noninterest expense | $3,586,000 | 1,548 |
| Pre-tax net operating income | $1,618,000 | 4,130 |
| Securities gains (losses) | $60,000 | 1,045 |
| Applicable income taxes | $339,000 | 5,403 |
| Income before extraordinary items | $1,339,000 | 3,505 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,339,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,236,000 | 767 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,118 |
| Net operating income | $1,291,000 | 3,649 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,673,000 | 2,434 |
| Total interest expense | $4,965,000 | 2,590 |
| Net interest income | $7,708,000 | 2,325 |
| Provision for loan and lease losses | $155,000 | 4,559 |
| Total noninterest income | $1,235,000 | 2,845 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $678,000 | 2,018 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $557,000 | 3,030 |
| Total noninterest expense | $8,081,000 | 1,847 |
| Salaries and employee benefits | $4,019,000 | 1,680 |
| Premises and equipment expense | $1,370,000 | 1,543 |
| Additional noninterest expense | $2,692,000 | 2,081 |
| Pre-tax net operating income | $707,000 | 7,330 |
| Securities gains (losses) | $101,000 | 2,497 |
| Applicable income taxes | $52,000 | 10,892 |
| Income before extraordinary items | $756,000 | 5,798 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $756,000 | 5,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,287,000 | 964 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,134 |
| Net operating income | $661,060 | 6,111 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,416,000 | 2,289 |
| Total interest expense | $7,568,000 | 2,245 |
| Net interest income | $7,848,000 | 2,308 |
| Provision for loan and lease losses | $4,696,000 | 618 |
| Total noninterest income | $1,135,000 | 2,988 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $689,000 | 1,976 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $446,000 | 3,454 |
| Total noninterest expense | $8,719,000 | 1,740 |
| Salaries and employee benefits | $3,801,000 | 1,754 |
| Premises and equipment expense | $1,161,000 | 1,816 |
| Additional noninterest expense | $3,757,000 | 1,665 |
| Pre-tax net operating income | $-4,432,000 | 13,767 |
| Securities gains (losses) | $922,000 | 697 |
| Applicable income taxes | $630,000 | 3,289 |
| Income before extraordinary items | $-4,140,000 | 13,775 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-4,140,000 | 13,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,270,000 | 1,348 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-1,501,000 | 13,882 |
| Net operating income | $-5,062,000 | 13,770 |
* 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.