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Provident Bank of Florida, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$31,633,000	1,040
Total interest expense	$16,789,000	932
Net interest income	$14,844,000	1,183
Provision for loan and lease losses	$1,613,000	662
Total noninterest income	$1,377,000	2,435
Gross Fiduciary activities income	$138,000	936
Service charges on deposit accounts	$955,000	1,369
Trading account gains and fees	$0	173
Additional Noninterest Income	$284,000	4,136
Total noninterest expense	$9,246,000	1,501
Salaries and employee benefits	$4,371,000	1,587
Premises and equipment expense	$1,727,000	1,165
Additional noninterest expense	$3,148,000	1,461
Pre-tax net operating income	$5,362,000	1,421
Securities gains (losses)	$0	3,155
Applicable income taxes	$2,002,000	1,230
Income before extraordinary items	$3,360,000	1,590
Extraordinary gains, net	$0	35
Net income	$3,360,000	1,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,008,000	452
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,360,000	1,563
1998-12-31 (YTD Data)		Rank
Total interest income	$19,642,000	1,657
Total interest expense	$10,175,000	1,500
Net interest income	$9,467,000	1,805
Provision for loan and lease losses	$376,000	2,166
Total noninterest income	$1,738,000	2,026
Gross Fiduciary activities income	$41,000	1,143
Service charges on deposit accounts	$788,000	1,608
Trading account gains and fees	$0	224
Additional Noninterest Income	$909,000	1,992
Total noninterest expense	$7,901,000	1,667
Salaries and employee benefits	$4,164,000	1,599
Premises and equipment expense	$1,481,000	1,309
Additional noninterest expense	$2,256,000	1,869
Pre-tax net operating income	$2,928,000	2,435
Securities gains (losses)	$459,000	589
Applicable income taxes	$1,403,000	1,734
Income before extraordinary items	$1,984,000	2,570
Extraordinary gains, net	$0	32
Net income	$1,984,000	2,571
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$347,000	1,674
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,690,240	2,857
1997-12-31 (YTD Data)		Rank
Total interest income	$5,975,000	5,097
Total interest expense	$3,278,000	4,360
Net interest income	$2,697,000	5,768
Provision for loan and lease losses	$82,000	5,614
Total noninterest income	$270,000	6,997
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$216,000	5,097
Trading account gains and fees	$0	239
Additional Noninterest Income	$54,000	8,261
Total noninterest expense	$2,862,000	4,260
Salaries and employee benefits	$1,477,000	4,314
Premises and equipment expense	$614,000	3,083
Additional noninterest expense	$771,000	4,862
Pre-tax net operating income	$23,000	10,315
Securities gains (losses)	$0	3,944
Applicable income taxes	$75,000	8,822
Income before extraordinary items	$-52,000	10,471
Extraordinary gains, net	$0	44
Net income	$-52,000	10,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,955
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-52,000	10,432
1996-12-31 (YTD Data)		Rank
Total interest income	$3,060,000	7,919
Total interest expense	$1,503,000	7,568
Net interest income	$1,557,000	8,134
Provision for loan and lease losses	$81,000	5,578
Total noninterest income	$178,000	8,559
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$1,695,000	6,617
Salaries and employee benefits	$863,000	6,644
Premises and equipment expense	$340,000	5,115
Additional noninterest expense	$492,000	7,125
Pre-tax net operating income	$-41,000	10,885
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$-12,000	10,955
Income before extraordinary items	$-23,000	10,881
Extraordinary gains, net	$0	53
Net income	$-23,000	10,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,188
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-26,960	10,842
1995-12-31 (YTD Data)		Rank
Total interest income	$2,926,000	8,322
Total interest expense	$1,368,000	8,063
Net interest income	$1,558,000	8,369
Provision for loan and lease losses	$109,000	4,437
Total noninterest income	$173,000	8,913
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$156,000	6,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$1,468,000	7,367
Salaries and employee benefits	$777,000	7,228
Premises and equipment expense	$302,000	5,593
Additional noninterest expense	$389,000	8,297
Pre-tax net operating income	$154,000	10,753
Securities gains (losses)	$0	3,831
Applicable income taxes	$50,000	10,190
Income before extraordinary items	$104,000	10,895
Extraordinary gains, net	$0	65
Net income	$104,000	10,896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,621
Cash dividends	$40,000	7,961
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$104,000	10,870
1994-12-31 (YTD Data)		Rank
Total interest income	$2,107,000	9,594
Total interest expense	$799,000	9,613
Net interest income	$1,308,000	9,436
Provision for loan and lease losses	$39,000	6,667
Total noninterest income	$150,000	9,703
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,363
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	11,420
Total noninterest expense	$1,225,000	8,513
Salaries and employee benefits	$600,000	8,610
Premises and equipment expense	$258,000	6,394
Additional noninterest expense	$367,000	9,154
Pre-tax net operating income	$194,000	10,941
Securities gains (losses)	$11,000	2,158
Applicable income taxes	$94,000	9,503
Income before extraordinary items	$111,000	11,269
Extraordinary gains, net	$0	249
Net income	$111,000	11,275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,270
Cash dividends	$39,000	8,227
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$103,960	11,394
1993-12-31 (YTD Data)		Rank
Total interest income	$1,906,000	10,371
Total interest expense	$782,000	10,139
Net interest income	$1,124,000	10,318
Provision for loan and lease losses	$8,000	9,904
Total noninterest income	$122,000	10,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	8,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,333
Total noninterest expense	$1,152,000	9,095
Salaries and employee benefits	$515,000	9,523
Premises and equipment expense	$302,000	5,819
Additional noninterest expense	$335,000	10,016
Pre-tax net operating income	$86,000	11,955
Securities gains (losses)	$17,000	4,881
Applicable income taxes	$0	12,141
Income before extraordinary items	$103,000	11,773
Extraordinary gains, net	$79,000	1,804
Net income	$182,000	10,948
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$86,000	11,759
1992-12-31 (YTD Data)		Rank
Total interest income	$1,955,000	10,981
Total interest expense	$897,000	10,891
Net interest income	$1,058,000	10,862
Provision for loan and lease losses	$46,000	9,271
Total noninterest income	$98,000	11,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	13,414
Total noninterest expense	$898,000	10,493
Salaries and employee benefits	$400,000	10,864
Premises and equipment expense	$238,000	7,007
Additional noninterest expense	$260,000	11,410
Pre-tax net operating income	$212,000	10,956
Securities gains (losses)	$37,000	4,622
Applicable income taxes	$96,000	10,025
Income before extraordinary items	$153,000	11,234
Extraordinary gains, net	$96,000	767
Net income	$249,000	10,080
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$129,320	11,235

* 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.