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Vevay Deposit Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$4,183,000	6,345
Total interest expense	$1,841,000	6,528
Net interest income	$2,342,000	6,043
Provision for loan and lease losses	$70,000	5,970
Total noninterest income	$391,000	5,589
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	4,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	5,160
Total noninterest expense	$1,735,000	6,197
Salaries and employee benefits	$856,000	6,477
Premises and equipment expense	$156,000	7,501
Additional noninterest expense	$723,000	5,062
Pre-tax net operating income	$928,000	5,458
Securities gains (losses)	$0	1,956
Applicable income taxes	$366,000	4,181
Income before extraordinary items	$562,000	6,030
Extraordinary gains, net	$0	38
Net income	$562,000	6,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$345,000	4,237
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$562,000	6,036
1999-12-31 (YTD Data)		Rank
Total interest income	$3,709,000	6,605
Total interest expense	$1,617,000	6,693
Net interest income	$2,092,000	6,471
Provision for loan and lease losses	$48,000	6,602
Total noninterest income	$359,000	5,929
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$210,000	5,005
Trading account gains and fees	NA	NA
Additional Noninterest Income	$149,000	5,622
Total noninterest expense	$1,665,000	6,371
Salaries and employee benefits	$802,000	6,745
Premises and equipment expense	$137,000	7,887
Additional noninterest expense	$726,000	5,130
Pre-tax net operating income	$738,000	6,181
Securities gains (losses)	$0	3,155
Applicable income taxes	$288,000	4,908
Income before extraordinary items	$450,000	6,701
Extraordinary gains, net	$0	35
Net income	$450,000	6,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,010
Cash dividends	$221,000	5,068
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$450,000	6,678
1998-12-31 (YTD Data)		Rank
Total interest income	$3,881,000	6,577
Total interest expense	$1,847,000	6,463
Net interest income	$2,034,000	6,610
Provision for loan and lease losses	$52,000	6,526
Total noninterest income	$302,000	6,462
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	5,608
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	5,980
Total noninterest expense	$1,788,000	6,024
Salaries and employee benefits	$773,000	6,801
Premises and equipment expense	$180,000	7,052
Additional noninterest expense	$835,000	4,539
Pre-tax net operating income	$496,000	7,389
Securities gains (losses)	$84,000	1,392
Applicable income taxes	$225,000	5,892
Income before extraordinary items	$355,000	7,505
Extraordinary gains, net	$0	32
Net income	$355,000	7,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,674
Cash dividends	$101,000	6,227
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$301,240	7,796
1997-12-31 (YTD Data)		Rank
Total interest income	$2,406,000	8,501
Total interest expense	$1,046,000	8,566
Net interest income	$1,360,000	8,326
Provision for loan and lease losses	$32,000	7,323
Total noninterest income	$166,000	8,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	7,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	7,985
Total noninterest expense	$1,099,000	8,013
Salaries and employee benefits	$510,000	8,535
Premises and equipment expense	$98,000	9,012
Additional noninterest expense	$491,000	6,578
Pre-tax net operating income	$395,000	8,470
Securities gains (losses)	$41,000	1,451
Applicable income taxes	$177,000	7,222
Income before extraordinary items	$259,000	8,679
Extraordinary gains, net	$0	44
Net income	$259,000	8,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,179
Cash dividends	$834,000	2,495
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$232,760	8,859
1996-12-31 (YTD Data)		Rank
Total interest income	$3,781,000	7,075
Total interest expense	$1,868,000	6,690
Net interest income	$1,913,000	7,326
Provision for loan and lease losses	$38,000	7,073
Total noninterest income	$253,000	7,534
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$194,000	5,664
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	8,503
Total noninterest expense	$1,574,000	6,910
Salaries and employee benefits	$898,000	6,477
Premises and equipment expense	$182,000	7,382
Additional noninterest expense	$494,000	7,108
Pre-tax net operating income	$554,000	7,669
Securities gains (losses)	$33,000	1,622
Applicable income taxes	$162,000	7,700
Income before extraordinary items	$425,000	7,417
Extraordinary gains, net	$0	53
Net income	$425,000	7,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,880
Cash dividends	$241,000	5,050
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$401,240	7,546
1995-12-31 (YTD Data)		Rank
Total interest income	$3,460,000	7,611
Total interest expense	$1,685,000	7,175
Net interest income	$1,775,000	7,836
Provision for loan and lease losses	$28,000	7,236
Total noninterest income	$237,000	7,878
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	6,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,932
Total noninterest expense	$1,365,000	7,697
Salaries and employee benefits	$703,000	7,698
Premises and equipment expense	$174,000	7,727
Additional noninterest expense	$488,000	7,361
Pre-tax net operating income	$619,000	7,781
Securities gains (losses)	$49,000	1,312
Applicable income taxes	$194,000	7,520
Income before extraordinary items	$474,000	7,449
Extraordinary gains, net	$0	65
Net income	$474,000	7,450
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,354
Cash dividends	$170,000	5,838
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$439,210	7,705
1994-12-31 (YTD Data)		Rank
Total interest income	$2,967,000	8,107
Total interest expense	$1,244,000	7,735
Net interest income	$1,723,000	8,243
Provision for loan and lease losses	$40,000	6,585
Total noninterest income	$204,000	8,663
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	6,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$1,317,000	8,180
Salaries and employee benefits	$676,000	8,062
Premises and equipment expense	$156,000	8,394
Additional noninterest expense	$485,000	8,002
Pre-tax net operating income	$570,000	8,183
Securities gains (losses)	$68,000	974
Applicable income taxes	$172,000	7,876
Income before extraordinary items	$466,000	7,568
Extraordinary gains, net	$0	249
Net income	$466,000	7,574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$190,000	5,630
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$416,360	8,081
1993-12-31 (YTD Data)		Rank
Total interest income	$3,128,000	8,124
Total interest expense	$1,257,000	8,050
Net interest income	$1,871,000	8,037
Provision for loan and lease losses	$181,000	4,118
Total noninterest income	$238,000	8,569
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$157,000	6,922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	8,582
Total noninterest expense	$1,306,000	8,485
Salaries and employee benefits	$671,000	8,212
Premises and equipment expense	$159,000	8,674
Additional noninterest expense	$476,000	8,467
Pre-tax net operating income	$622,000	7,802
Securities gains (losses)	$106,000	2,422
Applicable income taxes	$200,000	7,620
Income before extraordinary items	$528,000	7,320
Extraordinary gains, net	$7,000	3,012
Net income	$535,000	7,442
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	3,442
Cash dividends	$179,000	5,731
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$450,620	7,706
1992-12-31 (YTD Data)		Rank
Total interest income	$3,472,000	8,221
Total interest expense	$1,595,000	8,218
Net interest income	$1,877,000	8,115
Provision for loan and lease losses	$80,000	7,886
Total noninterest income	$214,000	9,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$160,000	6,869
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	10,164
Total noninterest expense	$1,248,000	8,850
Salaries and employee benefits	$608,000	8,743
Premises and equipment expense	$145,000	9,267
Additional noninterest expense	$495,000	8,502
Pre-tax net operating income	$763,000	6,750
Securities gains (losses)	$37,000	4,622
Applicable income taxes	$240,000	6,828
Income before extraordinary items	$560,000	6,851
Extraordinary gains, net	$0	1,422
Net income	$560,000	6,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	5,719
Cash dividends	$173,000	5,457
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$534,100	6,678

* 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.