Home > The Bank of Tidewater > Income and Expense
The Bank of Tidewater, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,099,000 | 2,057 |
| Total interest expense | $5,127,000 | 3,241 |
| Net interest income | $11,972,000 | 1,468 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $4,768,000 | 958 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,001,000 | 674 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,767,000 | 903 |
| Total noninterest expense | $11,793,000 | 1,182 |
| Salaries and employee benefits | $5,552,000 | 1,273 |
| Premises and equipment expense | $1,833,000 | 1,085 |
| Additional noninterest expense | $4,408,000 | 1,065 |
| Pre-tax net operating income | $4,767,000 | 1,553 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,588,000 | 1,439 |
| Income before extraordinary items | $3,179,000 | 1,651 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,179,000 | 1,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,048 |
| Cash dividends | $2,398,000 | 1,165 |
| Sale, conversion, retirement of capital stock, net | $419,000 | 564 |
| Net operating income | $3,179,000 | 1,644 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,031,000 | 2,169 |
| Total interest expense | $4,640,000 | 3,130 |
| Net interest income | $10,391,000 | 1,682 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $3,669,000 | 1,158 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,659,000 | 800 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,010,000 | 1,148 |
| Total noninterest expense | $9,853,000 | 1,408 |
| Salaries and employee benefits | $4,136,000 | 1,659 |
| Premises and equipment expense | $1,620,000 | 1,250 |
| Additional noninterest expense | $4,097,000 | 1,142 |
| Pre-tax net operating income | $4,027,000 | 1,833 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $1,390,000 | 1,694 |
| Income before extraordinary items | $2,635,000 | 2,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,635,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,508 |
| Cash dividends | $2,366,000 | 1,184 |
| Sale, conversion, retirement of capital stock, net | $652,000 | 572 |
| Net operating income | $2,636,300 | 1,975 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,923,000 | 2,340 |
| Total interest expense | $4,343,000 | 3,414 |
| Net interest income | $9,580,000 | 1,781 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $3,322,000 | 1,251 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,504,000 | 817 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,818,000 | 1,235 |
| Total noninterest expense | $8,339,000 | 1,592 |
| Salaries and employee benefits | $3,431,000 | 1,938 |
| Premises and equipment expense | $1,379,000 | 1,420 |
| Additional noninterest expense | $3,529,000 | 1,261 |
| Pre-tax net operating income | $4,383,000 | 1,678 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $1,517,000 | 1,608 |
| Income before extraordinary items | $2,863,000 | 1,837 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,863,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,219 |
| Cash dividends | $2,094,000 | 1,277 |
| Sale, conversion, retirement of capital stock, net | $964,000 | 475 |
| Net operating income | $2,864,950 | 1,761 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,132,000 | 2,697 |
| Total interest expense | $3,456,000 | 4,182 |
| Net interest income | $8,676,000 | 2,005 |
| Provision for loan and lease losses | $225,000 | 3,186 |
| Total noninterest income | $2,770,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,249,000 | 1,004 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,521,000 | 1,312 |
| Total noninterest expense | $7,527,000 | 1,727 |
| Salaries and employee benefits | $3,152,000 | 2,091 |
| Premises and equipment expense | $1,346,000 | 1,454 |
| Additional noninterest expense | $3,029,000 | 1,431 |
| Pre-tax net operating income | $3,694,000 | 2,035 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $1,277,000 | 1,963 |
| Income before extraordinary items | $2,412,000 | 2,181 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,412,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,696 |
| Cash dividends | $1,703,000 | 1,473 |
| Sale, conversion, retirement of capital stock, net | $769,000 | 480 |
| Net operating income | $2,415,250 | 2,122 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,887,000 | 3,022 |
| Total interest expense | $3,206,000 | 4,511 |
| Net interest income | $7,681,000 | 2,343 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $2,494,000 | 1,554 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,100,000 | 1,210 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,394,000 | 1,445 |
| Total noninterest expense | $6,457,000 | 2,135 |
| Salaries and employee benefits | $2,866,000 | 2,317 |
| Premises and equipment expense | $1,147,000 | 1,758 |
| Additional noninterest expense | $2,444,000 | 2,051 |
| Pre-tax net operating income | $3,478,000 | 2,060 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,191,000 | 2,006 |
| Income before extraordinary items | $2,287,000 | 2,166 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,287,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,059 |
| Cash dividends | $1,399,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $676,000 | 428 |
| Net operating income | $2,287,000 | 2,116 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,861,000 | 3,321 |
| Total interest expense | $3,101,000 | 4,619 |
| Net interest income | $6,760,000 | 2,637 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $2,307,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,070,000 | 1,253 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,237,000 | 1,568 |
| Total noninterest expense | $6,065,000 | 2,243 |
| Salaries and employee benefits | $2,615,000 | 2,553 |
| Premises and equipment expense | $1,075,000 | 1,885 |
| Additional noninterest expense | $2,375,000 | 2,089 |
| Pre-tax net operating income | $2,822,000 | 2,558 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $976,000 | 2,437 |
| Income before extraordinary items | $1,848,000 | 2,684 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,848,000 | 2,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,316 |
| Cash dividends | $2,429,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $612,000 | 349 |
| Net operating income | $1,846,700 | 2,655 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,854,000 | 3,392 |
| Total interest expense | $2,639,000 | 4,425 |
| Net interest income | $6,215,000 | 2,909 |
| Provision for loan and lease losses | $188,000 | 3,144 |
| Total noninterest income | $2,105,000 | 1,777 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $967,000 | 1,387 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,138,000 | 1,691 |
| Total noninterest expense | $5,623,000 | 2,490 |
| Salaries and employee benefits | $2,426,000 | 2,741 |
| Premises and equipment expense | $849,000 | 2,387 |
| Additional noninterest expense | $2,348,000 | 2,260 |
| Pre-tax net operating income | $2,509,000 | 2,819 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $817,000 | 2,717 |
| Income before extraordinary items | $1,693,000 | 2,857 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,693,000 | 2,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,160 |
| Cash dividends | $784,000 | 2,341 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 746 |
| Net operating income | $1,692,330 | 2,877 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,544,000 | 4,030 |
| Total interest expense | $2,457,000 | 4,903 |
| Net interest income | $5,087,000 | 3,513 |
| Provision for loan and lease losses | $190,000 | 4,040 |
| Total noninterest income | $1,824,000 | 2,093 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $912,000 | 1,489 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $912,000 | 2,172 |
| Total noninterest expense | $4,841,000 | 2,939 |
| Salaries and employee benefits | $1,995,000 | 3,293 |
| Premises and equipment expense | $830,000 | 2,464 |
| Additional noninterest expense | $2,016,000 | 2,716 |
| Pre-tax net operating income | $1,880,000 | 3,527 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $644,000 | 3,371 |
| Income before extraordinary items | $1,239,000 | 3,889 |
| Extraordinary gains, net | $27,000 | 2,545 |
| Net income | $1,266,000 | 3,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,976 |
| Cash dividends | $560,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $285,000 | 715 |
| Net operating income | $1,237,020 | 3,687 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,089,000 | 4,249 |
| Total interest expense | $3,320,000 | 4,751 |
| Net interest income | $4,769,000 | 3,809 |
| Provision for loan and lease losses | $395,000 | 3,502 |
| Total noninterest income | $1,646,000 | 2,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $827,000 | 1,655 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $819,000 | 2,282 |
| Total noninterest expense | $4,532,000 | 3,138 |
| Salaries and employee benefits | $1,900,000 | 3,358 |
| Premises and equipment expense | $826,000 | 2,506 |
| Additional noninterest expense | $1,806,000 | 3,050 |
| Pre-tax net operating income | $1,488,000 | 4,061 |
| Securities gains (losses) | $126,000 | 2,643 |
| Applicable income taxes | $323,000 | 5,657 |
| Income before extraordinary items | $1,291,000 | 3,557 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,291,000 | 3,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 3,890 |
| Cash dividends | $421,000 | 3,180 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 794 |
| Net operating income | $1,190,200 | 3,557 |
* 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.