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Patriot Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$14,710,000	493
Total interest expense	$5,812,000	371
Net interest income	$8,898,000	563
Provision for loan and lease losses	$1,000,000	312
Total noninterest income	$2,126,000	687
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$893,000	491
Trading account gains and fees	$0	121
Additional Noninterest Income	$1,233,000	679
Total noninterest expense	$7,468,000	569
Salaries and employee benefits	$4,079,000	549
Premises and equipment expense	$931,000	633
Additional noninterest expense	$2,458,000	543
Pre-tax net operating income	$2,556,000	846
Securities gains (losses)	$0	2,934
Applicable income taxes	$467,000	1,373
Income before extraordinary items	$2,089,000	797
Extraordinary gains, net	$0	16
Net income	$2,089,000	796
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$845,000	309
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$2,089,000	748
2003-12-31 (YTD Data)		Rank
Total interest income	$59,367,000	483
Total interest expense	$25,958,000	369
Net interest income	$33,409,000	574
Provision for loan and lease losses	$3,930,000	387
Total noninterest income	$8,847,000	724
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$3,657,000	469
Trading account gains and fees	$0	160
Additional Noninterest Income	$5,190,000	742
Total noninterest expense	$26,134,000	641
Salaries and employee benefits	$13,965,000	615
Premises and equipment expense	$3,599,000	635
Additional noninterest expense	$8,570,000	634
Pre-tax net operating income	$12,192,000	713
Securities gains (losses)	$1,365,000	382
Applicable income taxes	$3,026,000	916
Income before extraordinary items	$10,531,000	631
Extraordinary gains, net	$0	54
Net income	$10,531,000	633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,948,000	334
Cash dividends	$11,720,000	348
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$9,466,300	645
2003-09-30 (YTD Data)		Rank
Total interest income	$44,425,000	499
Total interest expense	$20,002,000	379
Net interest income	$24,423,000	596
Provision for loan and lease losses	$2,900,000	402
Total noninterest income	$6,581,000	753
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$2,678,000	487
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,903,000	766
Total noninterest expense	$19,417,000	656
Salaries and employee benefits	$10,393,000	636
Premises and equipment expense	$2,681,000	645
Additional noninterest expense	$6,343,000	643
Pre-tax net operating income	$8,687,000	784
Securities gains (losses)	$1,366,000	361
Applicable income taxes	$2,245,000	963
Income before extraordinary items	$7,808,000	656
Extraordinary gains, net	$0	40
Net income	$7,808,000	657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,013,000	324
Cash dividends	$8,895,000	334
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$6,742,520	709
2003-06-30 (YTD Data)		Rank
Total interest income	$30,046,000	500
Total interest expense	$13,900,000	376
Net interest income	$16,146,000	595
Provision for loan and lease losses	$2,000,000	389
Total noninterest income	$3,984,000	797
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$1,417,000	600
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,567,000	760
Total noninterest expense	$12,447,000	680
Salaries and employee benefits	$6,823,000	643
Premises and equipment expense	$1,789,000	645
Additional noninterest expense	$3,835,000	698
Pre-tax net operating income	$5,683,000	787
Securities gains (losses)	$932,000	382
Applicable income taxes	$1,483,000	998
Income before extraordinary items	$5,132,000	669
Extraordinary gains, net	$0	30
Net income	$5,132,000	669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,581,000	393
Cash dividends	$4,520,000	383
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$4,405,040	710
2003-03-31 (YTD Data)		Rank
Total interest income	$15,522,000	497
Total interest expense	$7,100,000	381
Net interest income	$8,422,000	578
Provision for loan and lease losses	$1,100,000	358
Total noninterest income	$1,670,000	900
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$694,000	600
Trading account gains and fees	$0	134
Additional Noninterest Income	$976,000	908
Total noninterest expense	$6,329,000	666
Salaries and employee benefits	$3,447,000	635
Premises and equipment expense	$927,000	629
Additional noninterest expense	$1,955,000	665
Pre-tax net operating income	$2,663,000	842
Securities gains (losses)	$556,000	325
Applicable income taxes	$739,000	1,018
Income before extraordinary items	$2,480,000	689
Extraordinary gains, net	$0	21
Net income	$2,480,000	688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$764,000	370
Cash dividends	$1,720,000	428
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$2,051,880	761
2002-12-31 (YTD Data)		Rank
Total interest income	$66,684,000	491
Total interest expense	$34,887,000	368
Net interest income	$31,797,000	600
Provision for loan and lease losses	$4,075,000	443
Total noninterest income	$6,187,000	877
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$2,238,000	718
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,949,000	815
Total noninterest expense	$22,949,000	705
Salaries and employee benefits	$12,097,000	681
Premises and equipment expense	$3,323,000	666
Additional noninterest expense	$7,529,000	696
Pre-tax net operating income	$10,960,000	791
Securities gains (losses)	$1,351,000	353
Applicable income taxes	$2,935,000	941
Income before extraordinary items	$9,376,000	678
Extraordinary gains, net	$0	70
Net income	$9,376,000	679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,351,000	414
Cash dividends	$5,350,000	589
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$8,349,240	728
2001-12-31 (YTD Data)		Rank
Total interest income	$76,377,000	479
Total interest expense	$50,224,000	377
Net interest income	$26,153,000	679
Provision for loan and lease losses	$2,000,000	699
Total noninterest income	$7,227,000	742
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,848,000	798
Trading account gains and fees	$0	177
Additional Noninterest Income	$5,379,000	631
Total noninterest expense	$20,704,000	742
Salaries and employee benefits	$8,918,000	828
Premises and equipment expense	$3,623,000	606
Additional noninterest expense	$8,163,000	660
Pre-tax net operating income	$10,676,000	728
Securities gains (losses)	$262,000	979
Applicable income taxes	$3,265,000	781
Income before extraordinary items	$7,673,000	732
Extraordinary gains, net	$0	105
Net income	$7,673,000	733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,641,000	663
Cash dividends	$4,000,000	733
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$7,489,600	715
2000-12-31 (YTD Data)		Rank
Total interest income	$84,303,000	473
Total interest expense	$59,435,000	370
Net interest income	$24,868,000	717
Provision for loan and lease losses	$1,125,000	968
Total noninterest income	$7,319,000	708
Gross Fiduciary activities income	$11,000	1,210
Service charges on deposit accounts	$1,665,000	817
Trading account gains and fees	$0	180
Additional Noninterest Income	$5,643,000	593
Total noninterest expense	$25,831,000	616
Salaries and employee benefits	$11,307,000	634
Premises and equipment expense	$5,575,000	409
Additional noninterest expense	$8,949,000	628
Pre-tax net operating income	$5,231,000	1,419
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$983,000	2,154
Income before extraordinary items	$4,249,000	1,238
Extraordinary gains, net	$0	38
Net income	$4,249,000	1,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,369,000	598
Cash dividends	$8,065,000	445
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,248,190	1,234
1999-12-31 (YTD Data)		Rank
Total interest income	$68,121,000	549
Total interest expense	$44,078,000	424
Net interest income	$24,043,000	743
Provision for loan and lease losses	$1,200,000	831
Total noninterest income	$5,463,000	878
Gross Fiduciary activities income	$41,000	1,128
Service charges on deposit accounts	$1,460,000	907
Trading account gains and fees	$0	173
Additional Noninterest Income	$3,962,000	750
Total noninterest expense	$21,091,000	730
Salaries and employee benefits	$12,438,000	580
Premises and equipment expense	$3,761,000	594
Additional noninterest expense	$4,892,000	976
Pre-tax net operating income	$7,215,000	1,081
Securities gains (losses)	$-186,000	10,032
Applicable income taxes	$1,831,000	1,334
Income before extraordinary items	$5,198,000	1,058
Extraordinary gains, net	$0	35
Net income	$5,198,000	1,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$960,000	728
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$5,335,640	1,021
1998-12-31 (YTD Data)		Rank
Total interest income	$47,629,000	709
Total interest expense	$32,778,000	536
Net interest income	$14,851,000	1,139
Provision for loan and lease losses	$1,200,000	825
Total noninterest income	$2,191,000	1,702
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$877,000	1,424
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,314,000	1,524
Total noninterest expense	$13,938,000	975
Salaries and employee benefits	$8,087,000	816
Premises and equipment expense	$1,656,000	1,153
Additional noninterest expense	$4,195,000	1,080
Pre-tax net operating income	$1,904,000	3,462
Securities gains (losses)	$2,515,000	204
Applicable income taxes	$102,000	7,498
Income before extraordinary items	$4,317,000	1,232
Extraordinary gains, net	$0	32
Net income	$4,317,000	1,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$553,000	1,168
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,852,300	2,664
1997-12-31 (YTD Data)		Rank
Total interest income	$48,059,000	721
Total interest expense	$34,203,000	527
Net interest income	$13,856,000	1,249
Provision for loan and lease losses	$915,000	1,057
Total noninterest income	$1,898,000	1,848
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$578,000	2,266
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,320,000	1,451
Total noninterest expense	$10,998,000	1,202
Salaries and employee benefits	$5,942,000	1,110
Premises and equipment expense	$1,527,000	1,284
Additional noninterest expense	$3,529,000	1,244
Pre-tax net operating income	$3,841,000	1,952
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,122,000	2,208
Income before extraordinary items	$2,719,000	1,940
Extraordinary gains, net	$0	44
Net income	$2,719,000	1,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000	2,310
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,719,000	1,884
1996-12-31 (YTD Data)		Rank
Total interest income	$28,989,000	1,190
Total interest expense	$18,316,000	917
Net interest income	$10,673,000	1,656
Provision for loan and lease losses	$305,000	2,532
Total noninterest income	$1,188,000	2,704
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,188,000	1,609
Total noninterest expense	$8,850,000	1,601
Salaries and employee benefits	$3,796,000	1,745
Premises and equipment expense	$1,350,000	1,499
Additional noninterest expense	$3,704,000	1,437
Pre-tax net operating income	$2,706,000	2,583
Securities gains (losses)	$-444,000	11,363
Applicable income taxes	$893,000	2,595
Income before extraordinary items	$1,369,000	3,473
Extraordinary gains, net	$0	53
Net income	$1,369,000	3,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$177,000	2,872
Cash dividends	$5,000,000	662
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,653,160	2,883
1995-12-31 (YTD Data)		Rank
Total interest income	$17,129,000	1,965
Total interest expense	$9,645,000	1,645
Net interest income	$7,484,000	2,404
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$609,000	4,520
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$143,000	6,812
Trading account gains and fees	$0	522
Additional Noninterest Income	$466,000	3,004
Total noninterest expense	$6,097,000	2,228
Salaries and employee benefits	$3,066,000	2,161
Premises and equipment expense	$836,000	2,389
Additional noninterest expense	$2,195,000	2,225
Pre-tax net operating income	$1,936,000	3,598
Securities gains (losses)	$-97,000	11,473
Applicable income taxes	$703,000	3,223
Income before extraordinary items	$1,136,000	4,131
Extraordinary gains, net	$0	65
Net income	$1,136,000	4,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,265
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,198,080	3,953
1994-12-31 (YTD Data)		Rank
Total interest income	$15,560,000	1,980
Total interest expense	$8,125,000	1,571
Net interest income	$7,435,000	2,434
Provision for loan and lease losses	$56,000	5,901
Total noninterest income	$579,000	4,781
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$256,000	4,953
Trading account gains and fees	$0	475
Additional Noninterest Income	$323,000	3,895
Total noninterest expense	$6,096,000	2,308
Salaries and employee benefits	$2,794,000	2,397
Premises and equipment expense	$720,000	2,762
Additional noninterest expense	$2,582,000	2,081
Pre-tax net operating income	$1,862,000	3,639
Securities gains (losses)	$39,000	1,298
Applicable income taxes	$717,000	3,037
Income before extraordinary items	$1,184,000	3,909
Extraordinary gains, net	$0	249
Net income	$1,184,000	3,914
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,159,040	4,029
1993-12-31 (YTD Data)		Rank
Total interest income	$17,514,000	1,788
Total interest expense	$9,628,000	1,394
Net interest income	$7,886,000	2,278
Provision for loan and lease losses	$1,000	10,323
Total noninterest income	$1,345,000	2,665
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$211,000	5,764
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,134,000	1,871
Total noninterest expense	$5,453,000	2,630
Salaries and employee benefits	$2,483,000	2,664
Premises and equipment expense	$714,000	2,829
Additional noninterest expense	$2,256,000	2,458
Pre-tax net operating income	$3,777,000	1,826
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,460,000	1,605
Income before extraordinary items	$2,317,000	2,156
Extraordinary gains, net	$0	3,149
Net income	$2,317,000	2,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-214,000	13,126
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,317,000	2,030
1992-12-31 (YTD Data)		Rank
Total interest income	$20,474,000	1,735
Total interest expense	$12,140,000	1,458
Net interest income	$8,334,000	2,180
Provision for loan and lease losses	$1,115,000	1,711
Total noninterest income	$446,000	6,111
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$212,000	5,774
Trading account gains and fees	$0	504
Additional Noninterest Income	$234,000	5,186
Total noninterest expense	$5,117,000	2,798
Salaries and employee benefits	$2,071,000	3,120
Premises and equipment expense	$672,000	3,029
Additional noninterest expense	$2,374,000	2,419
Pre-tax net operating income	$2,548,000	2,431
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$593,000	3,466
Income before extraordinary items	$1,958,000	2,330
Extraordinary gains, net	$325,000	289
Net income	$2,283,000	2,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$414,000	2,769
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,955,690	2,172

* 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.