TownBank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,150,000 | 4,988 |
| Total interest expense | $2,475,000 | 5,591 |
| Net interest income | $3,675,000 | 4,460 |
| Provision for loan and lease losses | $162,000 | 4,234 |
| Total noninterest income | $392,000 | 5,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 3,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 6,989 |
| Total noninterest expense | $2,435,000 | 4,953 |
| Salaries and employee benefits | $1,390,000 | 4,648 |
| Premises and equipment expense | $359,000 | 4,852 |
| Additional noninterest expense | $686,000 | 5,252 |
| Pre-tax net operating income | $1,470,000 | 4,123 |
| Securities gains (losses) | $-35,000 | 9,026 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,435,000 | 3,369 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,435,000 | 3,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,684 |
| Cash dividends | $490,000 | 3,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,470,000 | 3,300 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,895,000 | 5,654 |
| Total interest expense | $1,816,000 | 6,325 |
| Net interest income | $3,079,000 | 5,056 |
| Provision for loan and lease losses | $160,000 | 4,104 |
| Total noninterest income | $354,000 | 5,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,320 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,986 |
| Total noninterest expense | $2,100,000 | 5,496 |
| Salaries and employee benefits | $1,187,000 | 5,202 |
| Premises and equipment expense | $304,000 | 5,425 |
| Additional noninterest expense | $609,000 | 5,772 |
| Pre-tax net operating income | $1,173,000 | 4,828 |
| Securities gains (losses) | $-74,000 | 9,893 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,099,000 | 4,154 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,099,000 | 4,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $382,000 | 4,058 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 884 |
| Net operating income | $1,173,000 | 3,915 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 6,498 |
| Total interest expense | $1,646,000 | 6,879 |
| Net interest income | $2,333,000 | 6,091 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $314,000 | 6,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,511 |
| Total noninterest expense | $1,639,000 | 6,342 |
| Salaries and employee benefits | $904,000 | 6,190 |
| Premises and equipment expense | $259,000 | 5,838 |
| Additional noninterest expense | $476,000 | 6,604 |
| Pre-tax net operating income | $808,000 | 6,063 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $818,000 | 5,119 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $818,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $278,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $808,000 | 5,075 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 8,277 |
| Total interest expense | $1,021,000 | 8,628 |
| Net interest income | $1,557,000 | 7,859 |
| Provision for loan and lease losses | $129,000 | 4,484 |
| Total noninterest income | $255,000 | 7,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,220 |
| Total noninterest expense | $1,183,000 | 7,729 |
| Salaries and employee benefits | $656,000 | 7,569 |
| Premises and equipment expense | $212,000 | 6,635 |
| Additional noninterest expense | $315,000 | 8,172 |
| Pre-tax net operating income | $500,000 | 7,913 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $505,000 | 6,933 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $505,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $500,000 | 6,906 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $981,000 | 10,847 |
| Total interest expense | $326,000 | 11,028 |
| Net interest income | $655,000 | 10,506 |
| Provision for loan and lease losses | $69,000 | 5,880 |
| Total noninterest income | $79,000 | 10,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,722 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $751,000 | 9,629 |
| Salaries and employee benefits | $455,000 | 9,207 |
| Premises and equipment expense | $129,000 | 8,550 |
| Additional noninterest expense | $167,000 | 10,341 |
| Pre-tax net operating income | $-86,000 | 10,941 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-86,000 | 10,977 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-86,000 | 10,976 |
| 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 | $3,475,000 | 207 |
| Net operating income | $-86,000 | 10,930 |
* 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.