Progressive Bank, National Association-Buckhannon, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$531,0007,602
Total interest expense$201,0007,054
Net interest income$330,0007,729
Provision for loan and lease losses$15,0005,504
Total noninterest income$26,0008,331
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$36,0005,904
Trading account gains and fees$0134
Additional Noninterest Income$-10,0009,279
Total noninterest expense$239,0008,024
Salaries and employee benefits$97,0008,531
Premises and equipment expense$48,0006,893
Additional noninterest expense$94,0007,306
Pre-tax net operating income$102,0007,163
Securities gains (losses)$02,891
Applicable income taxes$15,0006,300
Income before extraordinary items$87,0007,137
Extraordinary gains, net$021
Net income$87,0007,140
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$16,0003,777
Sale, conversion, retirement of capital stock, net$0419
Net operating income$87,0006,985
2002-12-31 (YTD Data)Rank
Total interest income$2,248,0007,601
Total interest expense$963,0007,036
Net interest income$1,285,0007,783
Provision for loan and lease losses$105,0005,629
Total noninterest income$201,0007,296
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$153,0005,799
Trading account gains and fees$0153
Additional Noninterest Income$48,0007,649
Total noninterest expense$919,0008,109
Salaries and employee benefits$349,0008,705
Premises and equipment expense$178,0007,061
Additional noninterest expense$392,0007,209
Pre-tax net operating income$462,0006,915
Securities gains (losses)$04,537
Applicable income taxes$87,0006,093
Income before extraordinary items$375,0006,960
Extraordinary gains, net$070
Net income$375,0006,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0006,227
Cash dividends$16,0006,257
Sale, conversion, retirement of capital stock, net$0862
Net operating income$375,0006,833
2001-12-31 (YTD Data)Rank
Total interest income$2,380,0007,869
Total interest expense$1,232,0007,548
Net interest income$1,148,0007,989
Provision for loan and lease losses$93,0005,742
Total noninterest income$173,0007,596
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$143,0005,895
Trading account gains and fees$0177
Additional Noninterest Income$30,0008,341
Total noninterest expense$844,0008,344
Salaries and employee benefits$319,0008,992
Premises and equipment expense$163,0007,315
Additional noninterest expense$362,0007,413
Pre-tax net operating income$384,0007,051
Securities gains (losses)$04,612
Applicable income taxes$90,0006,131
Income before extraordinary items$294,0007,183
Extraordinary gains, net$0105
Net income$294,0007,184
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,628
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$294,0007,057
2000-12-31 (YTD Data)Rank
Total interest income$2,313,0008,112
Total interest expense$1,214,0007,774
Net interest income$1,099,0008,287
Provision for loan and lease losses$46,0006,690
Total noninterest income$176,0007,522
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0005,948
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,200
Total noninterest expense$897,0008,308
Salaries and employee benefits$350,0008,995
Premises and equipment expense$170,0007,242
Additional noninterest expense$377,0007,342
Pre-tax net operating income$332,0007,766
Securities gains (losses)$01,956
Applicable income taxes$91,0006,628
Income before extraordinary items$241,0007,831
Extraordinary gains, net$038
Net income$241,0007,831
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0004,827
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$241,0007,830
1999-12-31 (YTD Data)Rank
Total interest income$2,108,0008,380
Total interest expense$1,058,0008,020
Net interest income$1,050,0008,515
Provision for loan and lease losses$48,0006,602
Total noninterest income$183,0007,686
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$144,0005,944
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,465
Total noninterest expense$859,0008,570
Salaries and employee benefits$304,0009,445
Premises and equipment expense$173,0007,268
Additional noninterest expense$382,0007,432
Pre-tax net operating income$326,0007,942
Securities gains (losses)$03,155
Applicable income taxes$104,0006,870
Income before extraordinary items$222,0008,136
Extraordinary gains, net$035
Net income$222,0008,133
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,364
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$222,0008,106
1998-12-31 (YTD Data)Rank
Total interest income$2,018,0008,664
Total interest expense$1,030,0008,338
Net interest income$988,0008,817
Provision for loan and lease losses$66,0005,965
Total noninterest income$165,0008,020
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$132,0006,235
Trading account gains and feesNANA
Additional Noninterest Income$33,0008,867
Total noninterest expense$874,0008,513
Salaries and employee benefits$305,0009,598
Premises and equipment expense$191,0006,852
Additional noninterest expense$378,0007,405
Pre-tax net operating income$213,0008,851
Securities gains (losses)$04,449
Applicable income taxes$63,0008,107
Income before extraordinary items$150,0008,981
Extraordinary gains, net$032
Net income$150,0008,979
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0005,973
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$150,0008,913
1997-12-31 (YTD Data)Rank
Total interest income$1,838,0009,220
Total interest expense$891,0008,993
Net interest income$947,0009,316
Provision for loan and lease losses$57,0006,423
Total noninterest income$86,0009,650
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$74,0007,783
Trading account gains and feesNANA
Additional Noninterest Income$12,00010,305
Total noninterest expense$737,0009,272
Salaries and employee benefits$275,00010,123
Premises and equipment expense$187,0007,075
Additional noninterest expense$275,0008,590
Pre-tax net operating income$239,0009,358
Securities gains (losses)$03,944
Applicable income taxes$81,0008,730
Income before extraordinary items$158,0009,516
Extraordinary gains, net$044
Net income$158,0009,518
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,314
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$158,0009,472
1996-12-31 (YTD Data)Rank
Total interest income$1,454,00010,179
Total interest expense$644,00010,135
Net interest income$810,00010,086
Provision for loan and lease losses$23,0007,847
Total noninterest income$67,00010,545
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0008,722
Trading account gains and feesNANA
Additional Noninterest Income$13,00010,823
Total noninterest expense$719,0009,741
Salaries and employee benefits$252,00010,707
Premises and equipment expense$161,0007,804
Additional noninterest expense$306,0008,818
Pre-tax net operating income$135,00010,180
Securities gains (losses)$-1,0009,274
Applicable income taxes$47,0009,744
Income before extraordinary items$87,00010,340
Extraordinary gains, net$053
Net income$87,00010,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,694
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$87,65010,293
1995-12-31 (YTD Data)Rank
Total interest income$1,296,00010,843
Total interest expense$559,00010,815
Net interest income$737,00010,729
Provision for loan and lease losses$6,0008,588
Total noninterest income$60,00011,165
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,123
Trading account gains and feesNANA
Additional Noninterest Income$6,00011,713
Total noninterest expense$529,00010,892
Salaries and employee benefits$180,00011,597
Premises and equipment expense$102,0009,565
Additional noninterest expense$247,0009,853
Pre-tax net operating income$262,00010,023
Securities gains (losses)$03,831
Applicable income taxes$98,0009,217
Income before extraordinary items$164,00010,321
Extraordinary gains, net$065
Net income$164,00010,324
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,482
Cash dividends$27,0008,247
Sale, conversion, retirement of capital stock, net$0809
Net operating income$164,00010,303
1994-12-31 (YTD Data)Rank
Total interest income$1,112,00011,509
Total interest expense$466,00011,252
Net interest income$646,00011,568
Provision for loan and lease losses$5,0008,812
Total noninterest income$58,00011,759
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,0009,666
Trading account gains and feesNANA
Additional Noninterest Income$7,00012,250
Total noninterest expense$471,00011,749
Salaries and employee benefits$155,00012,332
Premises and equipment expense$77,00010,744
Additional noninterest expense$239,00010,663
Pre-tax net operating income$228,00010,678
Securities gains (losses)$03,600
Applicable income taxes$90,0009,572
Income before extraordinary items$138,00010,961
Extraordinary gains, net$0249
Net income$138,00010,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,352
Cash dividends$9,0008,806
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$138,00011,018
1993-12-31 (YTD Data)Rank
Total interest income$1,116,00012,061
Total interest expense$494,00011,707
Net interest income$622,00012,146
Provision for loan and lease losses$20,0009,046
Total noninterest income$54,00012,434
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$47,00010,174
Trading account gains and feesNANA
Additional Noninterest Income$7,00012,927
Total noninterest expense$459,00012,370
Salaries and employee benefits$143,00013,016
Premises and equipment expense$83,00011,040
Additional noninterest expense$233,00011,281
Pre-tax net operating income$197,00011,071
Securities gains (losses)$1,0007,052
Applicable income taxes$89,00010,008
Income before extraordinary items$109,00011,708
Extraordinary gains, net$03,149
Net income$109,00011,755
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0009,724
Cash dividends$54,0007,865
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$108,36011,517
1992-12-31 (YTD Data)Rank
Total interest income$1,192,00012,623
Total interest expense$600,00012,290
Net interest income$592,00012,734
Provision for loan and lease losses$30,0009,956
Total noninterest income$72,00012,504
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$35,00010,873
Trading account gains and feesNANA
Additional Noninterest Income$37,00011,257
Total noninterest expense$433,00013,004
Salaries and employee benefits$132,00013,665
Premises and equipment expense$66,00012,026
Additional noninterest expense$235,00011,746
Pre-tax net operating income$201,00011,068
Securities gains (losses)$39,0004,543
Applicable income taxes$93,00010,093
Income before extraordinary items$147,00011,318
Extraordinary gains, net$01,422
Net income$147,00011,400
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0009,510
Cash dividends$123,0006,164
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$122,04011,327

* 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.