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Summit Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,434,824,000	38
Total interest expense	$1,225,415,000	39
Net interest income	$1,209,409,000	32
Provision for loan and lease losses	$87,758,000	63
Total noninterest income	$342,106,000	71
Gross Fiduciary activities income	$49,786,000	52
Service charges on deposit accounts	$114,425,000	38
Trading account gains and fees	$5,436,000	49
Additional Noninterest Income	$172,459,000	85
Total noninterest expense	$780,716,000	52
Salaries and employee benefits	$432,991,000	37
Premises and equipment expense	$144,090,000	35
Additional noninterest expense	$203,635,000	87
Pre-tax net operating income	$683,041,000	38
Securities gains (losses)	$44,000	742
Applicable income taxes	$222,506,000	37
Income before extraordinary items	$460,579,000	35
Extraordinary gains, net	$0	38
Net income	$460,579,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,933,000	50
Cash dividends	$302,760,000	32
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$460,549,520	38
1999-12-31 (YTD Data)		Rank
Total interest income	$2,077,503,000	35
Total interest expense	$943,591,000	40
Net interest income	$1,133,912,000	32
Provision for loan and lease losses	$119,875,000	39
Total noninterest income	$293,056,000	81
Gross Fiduciary activities income	$45,448,000	58
Service charges on deposit accounts	$110,976,000	35
Trading account gains and fees	$4,022,000	58
Additional Noninterest Income	$132,610,000	104
Total noninterest expense	$703,763,000	54
Salaries and employee benefits	$280,945,000	47
Premises and equipment expense	$92,752,000	49
Additional noninterest expense	$330,066,000	53
Pre-tax net operating income	$603,330,000	40
Securities gains (losses)	$-75,000	9,897
Applicable income taxes	$167,659,000	50
Income before extraordinary items	$435,596,000	34
Extraordinary gains, net	$0	35
Net income	$435,596,000	34
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,752,000	33
Cash dividends	$352,190,000	31
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$435,650,000	33
1998-12-31 (YTD Data)		Rank
Total interest income	$1,983,050,000	32
Total interest expense	$908,157,000	34
Net interest income	$1,074,893,000	27
Provision for loan and lease losses	$60,315,000	67
Total noninterest income	$281,163,000	81
Gross Fiduciary activities income	$38,033,000	67
Service charges on deposit accounts	$115,011,000	34
Trading account gains and fees	$3,170,000	70
Additional Noninterest Income	$124,949,000	112
Total noninterest expense	$674,507,000	53
Salaries and employee benefits	$287,685,000	47
Premises and equipment expense	$90,311,000	50
Additional noninterest expense	$296,511,000	56
Pre-tax net operating income	$621,234,000	29
Securities gains (losses)	$446,000	594
Applicable income taxes	$224,404,000	29
Income before extraordinary items	$397,276,000	31
Extraordinary gains, net	$0	32
Net income	$397,276,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,018,000	93
Cash dividends	$378,000,000	28
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$396,990,560	33
1997-12-31 (YTD Data)		Rank
Total interest income	$1,518,166,000	44
Total interest expense	$624,273,000	51
Net interest income	$893,893,000	36
Provision for loan and lease losses	$49,904,000	80
Total noninterest income	$230,595,000	80
Gross Fiduciary activities income	$43,689,000	56
Service charges on deposit accounts	$97,340,000	34
Trading account gains and fees	$405,000	116
Additional Noninterest Income	$89,161,000	118
Total noninterest expense	$650,262,000	47
Salaries and employee benefits	$245,988,000	47
Premises and equipment expense	$83,724,000	49
Additional noninterest expense	$320,550,000	47
Pre-tax net operating income	$424,322,000	42
Securities gains (losses)	$531,000	413
Applicable income taxes	$149,030,000	43
Income before extraordinary items	$275,823,000	42
Extraordinary gains, net	$0	44
Net income	$275,823,000	42
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,622,000	88
Cash dividends	$267,983,000	34
Sale, conversion, retirement of capital stock, net	$13,239,000	65
Net operating income	$275,477,850	41
1996-12-31 (YTD Data)		Rank
Total interest income	$1,362,715,000	36
Total interest expense	$549,890,000	48
Net interest income	$812,825,000	31
Provision for loan and lease losses	$52,621,000	67
Total noninterest income	$189,358,000	91
Gross Fiduciary activities income	$35,295,000	65
Service charges on deposit accounts	$89,498,000	30
Trading account gains and fees	$2,821,000	64
Additional Noninterest Income	$61,744,000	154
Total noninterest expense	$635,818,000	46
Salaries and employee benefits	$228,418,000	47
Premises and equipment expense	$85,485,000	40
Additional noninterest expense	$321,915,000	43
Pre-tax net operating income	$313,744,000	45
Securities gains (losses)	$-1,455,000	11,421
Applicable income taxes	$115,102,000	43
Income before extraordinary items	$197,187,000	48
Extraordinary gains, net	$0	53
Net income	$197,187,000	47
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,151,000	47
Cash dividends	$200,682,000	40
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$198,118,200	48
1995-12-31 (YTD Data)		Rank
Total interest income	$894,531,000	69
Total interest expense	$352,008,000	93
Net interest income	$542,523,000	52
Provision for loan and lease losses	$57,076,000	44
Total noninterest income	$124,058,000	119
Gross Fiduciary activities income	$18,435,000	101
Service charges on deposit accounts	$65,666,000	48
Trading account gains and fees	$3,202,000	76
Additional Noninterest Income	$36,755,000	192
Total noninterest expense	$397,032,000	69
Salaries and employee benefits	$166,336,000	60
Premises and equipment expense	$55,842,000	65
Additional noninterest expense	$174,854,000	79
Pre-tax net operating income	$212,473,000	67
Securities gains (losses)	$4,159,000	71
Applicable income taxes	$81,816,000	57
Income before extraordinary items	$134,816,000	74
Extraordinary gains, net	$0	65
Net income	$134,816,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,949,000	35
Cash dividends	$76,348,000	94
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$132,154,240	75
1994-12-31 (YTD Data)		Rank
Total interest income	$772,620,000	61
Total interest expense	$264,805,000	84
Net interest income	$507,815,000	56
Provision for loan and lease losses	$73,238,000	34
Total noninterest income	$132,055,000	103
Gross Fiduciary activities income	$18,319,000	104
Service charges on deposit accounts	$61,730,000	49
Trading account gains and fees	$2,223,000	75
Additional Noninterest Income	$49,783,000	144
Total noninterest expense	$416,511,000	68
Salaries and employee benefits	$130,046,000	74
Premises and equipment expense	$48,262,000	68
Additional noninterest expense	$238,203,000	59
Pre-tax net operating income	$150,121,000	91
Securities gains (losses)	$1,890,000	97
Applicable income taxes	$54,401,000	87
Income before extraordinary items	$97,610,000	95
Extraordinary gains, net	$0	249
Net income	$97,610,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,663,000	25
Cash dividends	$43,057,000	131
Sale, conversion, retirement of capital stock, net	$718,000	487
Net operating income	$96,400,400	99
1993-12-31 (YTD Data)		Rank
Total interest income	$397,043,000	121
Total interest expense	$137,179,000	147
Net interest income	$259,864,000	110
Provision for loan and lease losses	$90,891,000	37
Total noninterest income	$91,053,000	137
Gross Fiduciary activities income	$18,099,000	103
Service charges on deposit accounts	$30,989,000	90
Trading account gains and fees	$3,297,000	83
Additional Noninterest Income	$38,668,000	167
Total noninterest expense	$249,358,000	109
Salaries and employee benefits	$69,469,000	136
Premises and equipment expense	$21,504,000	154
Additional noninterest expense	$158,385,000	78
Pre-tax net operating income	$10,668,000	683
Securities gains (losses)	$5,221,000	144
Applicable income taxes	$-420,000	13,119
Income before extraordinary items	$16,309,000	363
Extraordinary gains, net	$8,717,000	35
Net income	$25,026,000	282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,966,000	48
Cash dividends	$7,341,000	357
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$11,088,000	474
1992-12-31 (YTD Data)		Rank
Total interest income	$431,755,000	117
Total interest expense	$184,330,000	133
Net interest income	$247,425,000	108
Provision for loan and lease losses	$83,998,000	66
Total noninterest income	$89,536,000	132
Gross Fiduciary activities income	$16,393,000	107
Service charges on deposit accounts	$27,646,000	87
Trading account gains and fees	$3,046,000	88
Additional Noninterest Income	$42,451,000	145
Total noninterest expense	$245,195,000	100
Salaries and employee benefits	$74,300,000	121
Premises and equipment expense	$22,386,000	144
Additional noninterest expense	$148,509,000	80
Pre-tax net operating income	$7,768,000	832
Securities gains (losses)	$6,648,000	159
Applicable income taxes	$-1,467,000	13,857
Income before extraordinary items	$15,883,000	328
Extraordinary gains, net	$0	1,422
Net income	$15,883,000	331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,359,000	49
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$9,235,000	474

* 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.