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SINCLAIR NATIONAL BANK, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,977,000	8,428
Total interest expense	$1,049,000	8,130
Net interest income	$928,000	8,633
Provision for loan and lease losses	$266,000	3,109
Total noninterest income	$79,000	8,893
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	7,489
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	8,843
Total noninterest expense	$2,230,000	5,288
Salaries and employee benefits	$694,000	7,232
Premises and equipment expense	$241,000	6,174
Additional noninterest expense	$1,295,000	3,183
Pre-tax net operating income	$-1,489,000	9,787
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-1,489,000	9,795
Extraordinary gains, net	$0	38
Net income	$-1,489,000	9,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	2,760
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-1,489,000	9,795
1999-12-31 (YTD Data)		Rank
Total interest income	$1,582,000	8,962
Total interest expense	$934,000	8,353
Net interest income	$648,000	9,403
Provision for loan and lease losses	$109,000	5,060
Total noninterest income	$106,000	8,734
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	6,856
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,578
Total noninterest expense	$881,000	8,492
Salaries and employee benefits	$399,000	8,891
Premises and equipment expense	$169,000	7,339
Additional noninterest expense	$313,000	8,021
Pre-tax net operating income	$-236,000	9,662
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-236,000	9,711
Extraordinary gains, net	$-49,000	10,182
Net income	$-285,000	9,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,827
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-236,000	9,690
1998-12-31 (YTD Data)		Rank
Total interest income	$1,220,000	9,628
Total interest expense	$727,000	9,132
Net interest income	$493,000	9,936
Provision for loan and lease losses	$115,000	4,832
Total noninterest income	$93,000	9,131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,260
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	9,880
Total noninterest expense	$761,000	8,902
Salaries and employee benefits	$352,000	9,281
Premises and equipment expense	$135,000	7,968
Additional noninterest expense	$274,000	8,369
Pre-tax net operating income	$-290,000	10,060
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-290,000	10,110
Extraordinary gains, net	$0	32
Net income	$-290,000	10,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,524
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-290,000	10,080
1997-12-31 (YTD Data)		Rank
Total interest income	$679,000	10,585
Total interest expense	$332,000	10,458
Net interest income	$347,000	10,625
Provision for loan and lease losses	$79,000	5,693
Total noninterest income	$46,000	10,353
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	8,594
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,761
Total noninterest expense	$517,000	10,069
Salaries and employee benefits	$248,000	10,284
Premises and equipment expense	$62,000	9,902
Additional noninterest expense	$207,000	9,316
Pre-tax net operating income	$-203,000	10,568
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-203,000	10,612
Extraordinary gains, net	$0	44
Net income	$-203,000	10,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-203,000	10,584
1996-12-31 (YTD Data)		Rank
Total interest income	$49,000	11,437
Total interest expense	$8,000	11,416
Net interest income	$41,000	11,433
Provision for loan and lease losses	$22,000	7,876
Total noninterest income	$0	11,410
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	11,390
Total noninterest expense	$165,000	11,392
Salaries and employee benefits	$66,000	11,407
Premises and equipment expense	$9,000	11,389
Additional noninterest expense	$90,000	11,161
Pre-tax net operating income	$-146,000	11,015
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$-146,000	11,054
Extraordinary gains, net	$0	53
Net income	$-146,000	11,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$2,800,000	243
Net operating income	$-146,000	11,016

* 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.