The National Bank of Sussex County, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$19,982,0001,735
Total interest expense$8,181,0002,101
Net interest income$11,801,0001,488
Provision for loan and lease losses$08,337
Total noninterest income$3,087,0001,324
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,783,000763
Trading account gains and fees$0180
Additional Noninterest Income$1,304,0001,556
Total noninterest expense$8,602,0001,624
Salaries and employee benefits$4,797,0001,479
Premises and equipment expense$1,980,0001,008
Additional noninterest expense$1,825,0002,358
Pre-tax net operating income$6,286,0001,182
Securities gains (losses)$-168,0009,544
Applicable income taxes$2,236,0001,054
Income before extraordinary items$3,882,0001,365
Extraordinary gains, net$038
Net income$3,882,0001,367
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-197,0009,824
Cash dividends$2,377,0001,169
Sale, conversion, retirement of capital stock, net$78,000719
Net operating income$3,989,5201,312
1999-12-31 (YTD Data)Rank
Total interest income$17,259,0001,881
Total interest expense$6,974,0002,129
Net interest income$10,285,0001,692
Provision for loan and lease losses$08,503
Total noninterest income$3,038,0001,333
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,657,000803
Trading account gains and fees$0173
Additional Noninterest Income$1,381,0001,477
Total noninterest expense$10,670,0001,294
Salaries and employee benefits$6,282,0001,093
Premises and equipment expense$1,680,0001,199
Additional noninterest expense$2,708,0001,650
Pre-tax net operating income$2,653,0002,668
Securities gains (losses)$11,0001,705
Applicable income taxes$972,0002,266
Income before extraordinary items$1,692,0002,947
Extraordinary gains, net$035
Net income$1,692,0002,948
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$127,0003,125
Cash dividends$1,596,0001,612
Sale, conversion, retirement of capital stock, net$21,000936
Net operating income$1,684,9602,927
1998-12-31 (YTD Data)Rank
Total interest income$17,013,0001,899
Total interest expense$6,876,0002,203
Net interest income$10,137,0001,686
Provision for loan and lease losses$08,652
Total noninterest income$3,091,0001,318
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,331,000933
Trading account gains and fees$0224
Additional Noninterest Income$1,760,0001,262
Total noninterest expense$9,068,0001,459
Salaries and employee benefits$5,055,0001,296
Premises and equipment expense$1,564,0001,228
Additional noninterest expense$2,449,0001,739
Pre-tax net operating income$4,160,0001,760
Securities gains (losses)$-24,00010,310
Applicable income taxes$1,627,0001,508
Income before extraordinary items$2,509,0002,076
Extraordinary gains, net$032
Net income$2,509,0002,075
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0005,633
Cash dividends$680,0002,898
Sale, conversion, retirement of capital stock, net$-168,00010,351
Net operating income$2,524,3601,991
1997-12-31 (YTD Data)Rank
Total interest income$16,287,0001,996
Total interest expense$6,299,0002,389
Net interest income$9,988,0001,745
Provision for loan and lease losses$08,829
Total noninterest income$3,284,0001,214
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,442,000884
Trading account gains and fees$0239
Additional Noninterest Income$1,842,0001,163
Total noninterest expense$9,168,0001,428
Salaries and employee benefits$4,981,0001,328
Premises and equipment expense$1,801,0001,107
Additional noninterest expense$2,386,0001,780
Pre-tax net operating income$4,104,0001,845
Securities gains (losses)$-9,0009,978
Applicable income taxes$1,656,0001,563
Income before extraordinary items$2,439,0002,161
Extraordinary gains, net$044
Net income$2,439,0002,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-147,00010,780
Cash dividends$700,0002,776
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,444,7602,104
1996-12-31 (YTD Data)Rank
Total interest income$14,326,0002,333
Total interest expense$5,659,0002,684
Net interest income$8,667,0002,067
Provision for loan and lease losses$09,041
Total noninterest income$3,036,0001,340
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,418,000934
Trading account gains and fees$0262
Additional Noninterest Income$1,618,0001,343
Total noninterest expense$8,889,0001,588
Salaries and employee benefits$4,614,0001,461
Premises and equipment expense$1,503,0001,361
Additional noninterest expense$2,772,0001,857
Pre-tax net operating income$2,814,0002,500
Securities gains (losses)$-28,00010,807
Applicable income taxes$-2,681,00011,419
Income before extraordinary items$5,467,000966
Extraordinary gains, net$053
Net income$5,467,000967
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$636,0001,199
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,495,000944
1995-12-31 (YTD Data)Rank
Total interest income$13,393,0002,501
Total interest expense$5,406,0002,829
Net interest income$7,987,0002,256
Provision for loan and lease losses$225,0002,789
Total noninterest income$3,050,0001,345
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,365,000979
Trading account gains and fees$0522
Additional Noninterest Income$1,685,0001,281
Total noninterest expense$9,509,0001,495
Salaries and employee benefits$4,486,0001,482
Premises and equipment expense$1,505,0001,368
Additional noninterest expense$3,518,0001,477
Pre-tax net operating income$1,303,0004,961
Securities gains (losses)$-5,0009,676
Applicable income taxes$-249,00011,814
Income before extraordinary items$1,547,0003,156
Extraordinary gains, net$065
Net income$1,547,0003,152
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$850,000977
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,552,0003,125
1994-12-31 (YTD Data)Rank
Total interest income$11,773,0002,578
Total interest expense$4,264,0002,875
Net interest income$7,509,0002,406
Provision for loan and lease losses$1,265,000789
Total noninterest income$3,148,0001,314
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,476,000883
Trading account gains and fees$0475
Additional Noninterest Income$1,672,0001,277
Total noninterest expense$9,947,0001,479
Salaries and employee benefits$4,540,0001,482
Premises and equipment expense$1,486,0001,404
Additional noninterest expense$3,921,0001,431
Pre-tax net operating income$-555,00012,399
Securities gains (losses)$-260,00012,055
Applicable income taxes$-97,00012,293
Income before extraordinary items$-718,00012,394
Extraordinary gains, net$0249
Net income$-718,00012,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,403,000722
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-489,20012,357
1993-12-31 (YTD Data)Rank
Total interest income$11,911,0002,592
Total interest expense$4,639,0002,780
Net interest income$7,272,0002,463
Provision for loan and lease losses$319,0002,876
Total noninterest income$3,263,0001,364
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,554,000837
Trading account gains and fees$0532
Additional Noninterest Income$1,709,0001,393
Total noninterest expense$10,820,0001,423
Salaries and employee benefits$4,724,0001,428
Premises and equipment expense$1,511,0001,413
Additional noninterest expense$4,585,0001,363
Pre-tax net operating income$-604,00012,888
Securities gains (losses)$346,0001,169
Applicable income taxes$-38,00012,866
Income before extraordinary items$-220,00012,774
Extraordinary gains, net$03,149
Net income$-220,00012,784
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$977,0001,160
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-514,10012,844
1992-12-31 (YTD Data)Rank
Total interest income$15,941,0002,215
Total interest expense$7,993,0002,128
Net interest income$7,948,0002,285
Provision for loan and lease losses$1,728,0001,278
Total noninterest income$2,830,0001,504
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,314,000984
Trading account gains and fees$0504
Additional Noninterest Income$1,516,0001,511
Total noninterest expense$12,302,0001,291
Salaries and employee benefits$5,181,0001,297
Premises and equipment expense$1,669,0001,312
Additional noninterest expense$5,452,0001,221
Pre-tax net operating income$-3,252,00013,731
Securities gains (losses)$52,0004,050
Applicable income taxes$700,0002,982
Income before extraordinary items$-3,900,00013,766
Extraordinary gains, net$01,422
Net income$-3,900,00013,763
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,299,000513
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-3,952,00013,734

* 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.