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Silverdale State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,004,000	8,409
Total interest expense	$617,000	9,021
Net interest income	$1,387,000	7,665
Provision for loan and lease losses	$32,000	7,167
Total noninterest income	$172,000	7,583
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	7,994
Total noninterest expense	$1,541,000	6,641
Salaries and employee benefits	$956,000	6,104
Premises and equipment expense	$209,000	6,622
Additional noninterest expense	$376,000	7,353
Pre-tax net operating income	$-14,000	9,158
Securities gains (losses)	$-29,000	8,927
Applicable income taxes	$-17,000	9,363
Income before extraordinary items	$-26,000	9,192
Extraordinary gains, net	$0	38
Net income	$-26,000	9,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$189,000	5,234
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-7,440	9,159
1999-12-31 (YTD Data)		Rank
Total interest income	$1,770,000	8,745
Total interest expense	$565,000	9,297
Net interest income	$1,205,000	8,178
Provision for loan and lease losses	$20,000	7,660
Total noninterest income	$198,000	7,522
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	6,103
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,600
Total noninterest expense	$1,298,000	7,312
Salaries and employee benefits	$744,000	7,007
Premises and equipment expense	$224,000	6,435
Additional noninterest expense	$330,000	7,876
Pre-tax net operating income	$85,000	9,127
Securities gains (losses)	$0	3,155
Applicable income taxes	$38,000	7,850
Income before extraordinary items	$47,000	9,256
Extraordinary gains, net	$0	35
Net income	$47,000	9,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,980
Cash dividends	$12,000	7,020
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$47,000	9,225
1998-12-31 (YTD Data)		Rank
Total interest income	$1,790,000	8,940
Total interest expense	$620,000	9,423
Net interest income	$1,170,000	8,396
Provision for loan and lease losses	$35,000	7,178
Total noninterest income	$188,000	7,729
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	6,186
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	8,063
Total noninterest expense	$1,156,000	7,664
Salaries and employee benefits	$682,000	7,293
Premises and equipment expense	$185,000	6,955
Additional noninterest expense	$289,000	8,231
Pre-tax net operating income	$167,000	9,083
Securities gains (losses)	$0	4,449
Applicable income taxes	$32,000	8,664
Income before extraordinary items	$135,000	9,081
Extraordinary gains, net	$0	32
Net income	$135,000	9,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,860
Cash dividends	$12,000	7,346
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$135,000	9,011
1997-12-31 (YTD Data)		Rank
Total interest income	$1,816,000	9,252
Total interest expense	$647,000	9,694
Net interest income	$1,169,000	8,754
Provision for loan and lease losses	$37,000	7,107
Total noninterest income	$195,000	7,906
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	6,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,536
Total noninterest expense	$1,162,000	7,808
Salaries and employee benefits	$645,000	7,633
Premises and equipment expense	$193,000	6,970
Additional noninterest expense	$324,000	8,086
Pre-tax net operating income	$165,000	9,759
Securities gains (losses)	$0	3,944
Applicable income taxes	$49,000	9,272
Income before extraordinary items	$116,000	9,865
Extraordinary gains, net	$0	44
Net income	$116,000	9,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$12,000	7,716
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$116,000	9,822
1996-12-31 (YTD Data)		Rank
Total interest income	$1,772,000	9,704
Total interest expense	$643,000	10,141
Net interest income	$1,129,000	9,213
Provision for loan and lease losses	$43,000	6,890
Total noninterest income	$165,000	8,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	6,857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$1,100,000	8,329
Salaries and employee benefits	$679,000	7,653
Premises and equipment expense	$195,000	7,111
Additional noninterest expense	$226,000	9,640
Pre-tax net operating income	$151,000	10,075
Securities gains (losses)	$-3,000	9,684
Applicable income taxes	$44,000	9,795
Income before extraordinary items	$104,000	10,183
Extraordinary gains, net	$0	53
Net income	$104,000	10,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,952
Cash dividends	$12,000	8,174
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$106,100	10,117
1995-12-31 (YTD Data)		Rank
Total interest income	$1,813,000	10,021
Total interest expense	$631,000	10,563
Net interest income	$1,182,000	9,387
Provision for loan and lease losses	$35,000	6,883
Total noninterest income	$174,000	8,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	6,984
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	9,762
Total noninterest expense	$1,093,000	8,603
Salaries and employee benefits	$690,000	7,780
Premises and equipment expense	$170,000	7,815
Additional noninterest expense	$233,000	10,025
Pre-tax net operating income	$228,000	10,282
Securities gains (losses)	$-11,000	10,162
Applicable income taxes	$43,000	10,315
Income before extraordinary items	$174,000	10,223
Extraordinary gains, net	$0	65
Net income	$174,000	10,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$12,000	8,525
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$182,800	10,107
1994-12-31 (YTD Data)		Rank
Total interest income	$1,799,000	10,174
Total interest expense	$569,000	10,748
Net interest income	$1,230,000	9,678
Provision for loan and lease losses	$29,000	7,250
Total noninterest income	$201,000	8,719
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$1,119,000	8,907
Salaries and employee benefits	$657,000	8,225
Premises and equipment expense	$162,000	8,250
Additional noninterest expense	$300,000	9,963
Pre-tax net operating income	$283,000	10,258
Securities gains (losses)	$-15,000	10,127
Applicable income taxes	$58,000	10,278
Income before extraordinary items	$210,000	10,161
Extraordinary gains, net	$88,000	124
Net income	$298,000	9,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$12,000	8,724
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$221,700	10,084
1993-12-31 (YTD Data)		Rank
Total interest income	$1,854,000	10,483
Total interest expense	$625,000	10,994
Net interest income	$1,229,000	9,972
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$209,000	9,060
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$157,000	6,922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,987
Total noninterest expense	$1,127,000	9,214
Salaries and employee benefits	$657,000	8,325
Premises and equipment expense	$160,000	8,641
Additional noninterest expense	$310,000	10,318
Pre-tax net operating income	$287,000	10,345
Securities gains (losses)	$0	7,477
Applicable income taxes	$59,000	10,725
Income before extraordinary items	$228,000	10,293
Extraordinary gains, net	$0	3,149
Net income	$228,000	10,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	8,678
Cash dividends	$12,000	8,844
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$228,000	10,053
1992-12-31 (YTD Data)		Rank
Total interest income	$1,944,000	11,003
Total interest expense	$794,000	11,362
Net interest income	$1,150,000	10,509
Provision for loan and lease losses	$9,000	11,277
Total noninterest income	$210,000	9,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$1,112,000	9,445
Salaries and employee benefits	$663,000	8,279
Premises and equipment expense	$137,000	9,478
Additional noninterest expense	$312,000	10,666
Pre-tax net operating income	$239,000	10,711
Securities gains (losses)	$0	8,369
Applicable income taxes	$45,000	11,390
Income before extraordinary items	$194,000	10,678
Extraordinary gains, net	$0	1,422
Net income	$194,000	10,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	10,714
Cash dividends	$12,000	8,651
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$194,000	10,340

* 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.