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Summit Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$76,626,000515
Total interest expense$37,823,000520
Net interest income$38,803,000485
Provision for loan and lease losses$1,200,000908
Total noninterest income$4,377,0001,017
Gross Fiduciary activities income$263,000746
Service charges on deposit accounts$2,128,000626
Trading account gains and fees$0180
Additional Noninterest Income$1,986,0001,140
Total noninterest expense$31,640,000509
Salaries and employee benefits$10,201,000696
Premises and equipment expense$4,869,000472
Additional noninterest expense$16,570,000405
Pre-tax net operating income$10,340,000761
Securities gains (losses)$1,015,000157
Applicable income taxes$5,673,000507
Income before extraordinary items$5,682,000933
Extraordinary gains, net$038
Net income$5,682,000933
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-280,0009,849
Cash dividends$5,827,000553
Sale, conversion, retirement of capital stock, net$0969
Net operating income$5,032,4001,056
1999-12-31 (YTD Data)Rank
Total interest income$51,271,000685
Total interest expense$25,016,000658
Net interest income$26,255,000701
Provision for loan and lease losses$08,503
Total noninterest income$2,750,0001,453
Gross Fiduciary activities income$346,000740
Service charges on deposit accounts$1,232,0001,086
Trading account gains and fees$-10,0004,509
Additional Noninterest Income$1,182,0001,664
Total noninterest expense$22,279,000701
Salaries and employee benefits$7,250,000945
Premises and equipment expense$2,909,000712
Additional noninterest expense$12,120,000524
Pre-tax net operating income$6,726,0001,150
Securities gains (losses)$48,000992
Applicable income taxes$4,413,000654
Income before extraordinary items$2,361,0002,217
Extraordinary gains, net$035
Net income$2,361,0002,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$474,0001,269
Cash dividends$2,095,0001,312
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,330,2802,222
1998-12-31 (YTD Data)Rank
Total interest income$4,894,0005,766
Total interest expense$2,616,0005,201
Net interest income$2,278,0006,172
Provision for loan and lease losses$08,652
Total noninterest income$738,0003,836
Gross Fiduciary activities income$54,0001,101
Service charges on deposit accounts$98,0006,890
Trading account gains and fees$72,000161
Additional Noninterest Income$514,0002,931
Total noninterest expense$2,880,0004,267
Salaries and employee benefits$978,0005,862
Premises and equipment expense$209,0006,575
Additional noninterest expense$1,693,0002,464
Pre-tax net operating income$136,0009,247
Securities gains (losses)$214,000888
Applicable income taxes$213,0006,047
Income before extraordinary items$137,0009,069
Extraordinary gains, net$032
Net income$137,0009,067
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-34,00010,009
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$409,787
1997-12-31 (YTD Data)Rank
Total interest income$46,039,000748
Total interest expense$26,518,000636
Net interest income$19,521,000915
Provision for loan and lease losses$08,829
Total noninterest income$4,687,000969
Gross Fiduciary activities income$576,000607
Service charges on deposit accounts$743,0001,743
Trading account gains and fees$427,000113
Additional Noninterest Income$2,941,000852
Total noninterest expense$15,904,000891
Salaries and employee benefits$7,669,000866
Premises and equipment expense$1,654,0001,202
Additional noninterest expense$6,581,000791
Pre-tax net operating income$8,304,000991
Securities gains (losses)$688,000356
Applicable income taxes$3,389,000841
Income before extraordinary items$5,603,000995
Extraordinary gains, net$044
Net income$5,603,000996
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,502,000602
Cash dividends$4,856,000648
Sale, conversion, retirement of capital stock, net$1,012,000451
Net operating income$5,162,6801,040
1996-12-31 (YTD Data)Rank
Total interest income$41,390,000848
Total interest expense$23,685,000742
Net interest income$17,705,0001,029
Provision for loan and lease losses$4,415,000354
Total noninterest income$6,383,000807
Gross Fiduciary activities income$552,000680
Service charges on deposit accounts$708,0001,916
Trading account gains and fees$0262
Additional Noninterest Income$5,123,000632
Total noninterest expense$15,735,000964
Salaries and employee benefits$7,342,000930
Premises and equipment expense$1,647,0001,255
Additional noninterest expense$6,746,000915
Pre-tax net operating income$3,938,0001,825
Securities gains (losses)$639,000359
Applicable income taxes$-1,125,00011,396
Income before extraordinary items$5,702,000927
Extraordinary gains, net$053
Net income$5,702,000928
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,251,000528
Cash dividends$366,0004,098
Sale, conversion, retirement of capital stock, net$668,000430
Net operating income$5,063,0001,017
1995-12-31 (YTD Data)Rank
Total interest income$33,072,0001,070
Total interest expense$18,458,000947
Net interest income$14,614,0001,234
Provision for loan and lease losses$1,005,000936
Total noninterest income$1,949,0001,874
Gross Fiduciary activities income$515,000730
Service charges on deposit accounts$555,0002,435
Trading account gains and fees$0522
Additional Noninterest Income$879,0001,969
Total noninterest expense$12,805,0001,154
Salaries and employee benefits$5,928,0001,134
Premises and equipment expense$1,337,0001,525
Additional noninterest expense$5,540,0001,034
Pre-tax net operating income$2,753,0002,616
Securities gains (losses)$835,000254
Applicable income taxes$-1,190,00011,919
Income before extraordinary items$4,778,0001,111
Extraordinary gains, net$065
Net income$4,778,0001,108
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,662,000643
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$561,000365
Net operating income$3,943,0001,316
1994-12-31 (YTD Data)Rank
Total interest income$25,120,0001,243
Total interest expense$13,150,0001,008
Net interest income$11,970,0001,506
Provision for loan and lease losses$3,790,000354
Total noninterest income$2,123,0001,771
Gross Fiduciary activities income$503,000728
Service charges on deposit accounts$502,0002,736
Trading account gains and fees$0475
Additional Noninterest Income$1,118,0001,711
Total noninterest expense$13,676,0001,097
Salaries and employee benefits$5,051,0001,337
Premises and equipment expense$1,174,0001,751
Additional noninterest expense$7,451,000864
Pre-tax net operating income$-3,373,00012,562
Securities gains (losses)$-64,00011,223
Applicable income taxes$50,00010,470
Income before extraordinary items$-3,487,00012,535
Extraordinary gains, net$0249
Net income$-3,487,00012,534
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,495,000688
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$21,892,00060
Net operating income$-3,423,00012,533
1993-12-31 (YTD Data)Rank
Total interest income$24,663,0001,286
Total interest expense$13,722,000987
Net interest income$10,941,0001,657
Provision for loan and lease losses$1,000,0001,300
Total noninterest income$4,298,0001,105
Gross Fiduciary activities income$565,000719
Service charges on deposit accounts$478,0002,926
Trading account gains and fees$0532
Additional Noninterest Income$3,255,000906
Total noninterest expense$13,528,0001,157
Salaries and employee benefits$4,208,0001,600
Premises and equipment expense$1,111,0001,881
Additional noninterest expense$8,209,000878
Pre-tax net operating income$711,0007,304
Securities gains (losses)$142,0002,045
Applicable income taxes$73,00010,384
Income before extraordinary items$780,0005,675
Extraordinary gains, net$03,149
Net income$780,0005,812
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,036,000558
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$650,7806,181
1992-12-31 (YTD Data)Rank
Total interest income$29,955,0001,225
Total interest expense$18,387,000986
Net interest income$11,568,0001,606
Provision for loan and lease losses$2,330,0001,024
Total noninterest income$3,285,0001,325
Gross Fiduciary activities income$459,000798
Service charges on deposit accounts$455,0003,075
Trading account gains and fees$0504
Additional Noninterest Income$2,371,0001,119
Total noninterest expense$10,540,0001,460
Salaries and employee benefits$3,854,0001,724
Premises and equipment expense$1,111,0001,900
Additional noninterest expense$5,575,0001,197
Pre-tax net operating income$1,983,0003,127
Securities gains (losses)$583,000960
Applicable income taxes$-170,00013,631
Income before extraordinary items$2,736,0001,685
Extraordinary gains, net$01,422
Net income$2,736,0001,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,843,000622
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,153,0001,962

* 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.