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Arizona Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$63,293,000	571
Total interest expense	$26,033,000	643
Net interest income	$37,260,000	510
Provision for loan and lease losses	$7,175,000	250
Total noninterest income	$4,340,000	1,039
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$2,557,000	504
Trading account gains and fees	$132,000	147
Additional Noninterest Income	$1,651,000	1,317
Total noninterest expense	$37,096,000	446
Salaries and employee benefits	$16,503,000	441
Premises and equipment expense	$4,509,000	490
Additional noninterest expense	$16,084,000	408
Pre-tax net operating income	$-2,671,000	10,426
Securities gains (losses)	$306,000	734
Applicable income taxes	$336,000	4,878
Income before extraordinary items	$-2,701,000	10,428
Extraordinary gains, net	$0	32
Net income	$-2,701,000	10,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,974,000	281
Cash dividends	$2,996,000	997
Sale, conversion, retirement of capital stock, net	$3,556,000	302
Net operating income	$-3,007,000	10,415
1997-12-31 (YTD Data)		Rank
Total interest income	$57,653,000	621
Total interest expense	$25,294,000	666
Net interest income	$32,359,000	577
Provision for loan and lease losses	$7,677,000	248
Total noninterest income	$3,669,000	1,143
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$2,075,000	619
Trading account gains and fees	$96,000	164
Additional Noninterest Income	$1,498,000	1,321
Total noninterest expense	$20,024,000	740
Salaries and employee benefits	$10,123,000	678
Premises and equipment expense	$3,549,000	591
Additional noninterest expense	$6,352,000	809
Pre-tax net operating income	$8,327,000	990
Securities gains (losses)	$774,000	326
Applicable income taxes	$3,252,000	865
Income before extraordinary items	$5,849,000	951
Extraordinary gains, net	$0	44
Net income	$5,849,000	952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,780,000	268
Cash dividends	$3,067,000	917
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$5,353,640	1,006
1996-12-31 (YTD Data)		Rank
Total interest income	$49,264,000	745
Total interest expense	$21,778,000	783
Net interest income	$27,486,000	700
Provision for loan and lease losses	$5,712,000	310
Total noninterest income	$2,397,000	1,600
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,284,000	1,025
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,113,000	1,683
Total noninterest expense	$15,329,000	988
Salaries and employee benefits	$7,969,000	858
Premises and equipment expense	$2,430,000	897
Additional noninterest expense	$4,930,000	1,150
Pre-tax net operating income	$8,842,000	868
Securities gains (losses)	$234,000	640
Applicable income taxes	$3,268,000	814
Income before extraordinary items	$5,808,000	912
Extraordinary gains, net	$0	53
Net income	$5,808,000	913
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,521,000	359
Cash dividends	$2,923,000	985
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$5,658,240	918
1995-12-31 (YTD Data)		Rank
Total interest income	$41,747,000	877
Total interest expense	$18,906,000	922
Net interest income	$22,841,000	836
Provision for loan and lease losses	$4,508,000	344
Total noninterest income	$2,511,000	1,542
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,225,000	1,084
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,286,000	1,519
Total noninterest expense	$14,055,000	1,068
Salaries and employee benefits	$7,148,000	960
Premises and equipment expense	$2,106,000	1,019
Additional noninterest expense	$4,801,000	1,158
Pre-tax net operating income	$6,789,000	1,145
Securities gains (losses)	$378,000	426
Applicable income taxes	$2,355,000	1,092
Income before extraordinary items	$4,812,000	1,102
Extraordinary gains, net	$0	65
Net income	$4,812,000	1,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,072,000	450
Cash dividends	$1,493,000	1,529
Sale, conversion, retirement of capital stock, net	$16,044,000	30
Net operating income	$4,558,740	1,135
1994-12-31 (YTD Data)		Rank
Total interest income	$26,787,000	1,168
Total interest expense	$10,065,000	1,309
Net interest income	$16,722,000	1,104
Provision for loan and lease losses	$2,090,000	559
Total noninterest income	$2,621,000	1,505
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$920,000	1,471
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,701,000	1,261
Total noninterest expense	$12,430,000	1,201
Salaries and employee benefits	$6,182,000	1,096
Premises and equipment expense	$1,835,000	1,150
Additional noninterest expense	$4,413,000	1,310
Pre-tax net operating income	$4,823,000	1,514
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,881,000	1,270
Income before extraordinary items	$2,942,000	1,659
Extraordinary gains, net	$0	249
Net income	$2,942,000	1,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,600,000	657
Cash dividends	$742,000	2,426
Sale, conversion, retirement of capital stock, net	$9,578,000	105
Net operating income	$2,942,000	1,667
1993-12-31 (YTD Data)		Rank
Total interest income	$20,127,000	1,557
Total interest expense	$7,746,000	1,703
Net interest income	$12,381,000	1,469
Provision for loan and lease losses	$1,495,000	1,009
Total noninterest income	$3,300,000	1,352
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$881,000	1,547
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,419,000	1,116
Total noninterest expense	$10,319,000	1,482
Salaries and employee benefits	$4,693,000	1,437
Premises and equipment expense	$1,625,000	1,312
Additional noninterest expense	$4,001,000	1,526
Pre-tax net operating income	$3,867,000	1,781
Securities gains (losses)	$442,000	981
Applicable income taxes	$1,681,000	1,410
Income before extraordinary items	$2,628,000	1,904
Extraordinary gains, net	$0	3,149
Net income	$2,628,000	1,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$795,000	1,326
Cash dividends	$405,000	3,605
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,345,120	2,009
1992-12-31 (YTD Data)		Rank
Total interest income	$18,223,000	1,953
Total interest expense	$6,202,000	2,693
Net interest income	$12,021,000	1,529
Provision for loan and lease losses	$1,978,000	1,165
Total noninterest income	$2,112,000	1,860
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$873,000	1,547
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,239,000	1,739
Total noninterest expense	$8,901,000	1,701
Salaries and employee benefits	$3,993,000	1,658
Premises and equipment expense	$1,523,000	1,425
Additional noninterest expense	$3,385,000	1,797
Pre-tax net operating income	$3,254,000	1,908
Securities gains (losses)	$-5,000	13,085
Applicable income taxes	$1,249,000	1,681
Income before extraordinary items	$2,000,000	2,297
Extraordinary gains, net	$0	1,422
Net income	$2,000,000	2,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,750,000	1,053
Cash dividends	$115,000	6,307
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,003,200	2,120

* 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.