GrandBank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,875,000 | 3,769 |
| Total interest expense | $4,622,000 | 3,534 |
| Net interest income | $4,253,000 | 3,973 |
| Provision for loan and lease losses | $435,000 | 2,107 |
| Total noninterest income | $762,000 | 3,772 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $574,000 | 2,381 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $188,000 | 4,929 |
| Total noninterest expense | $4,813,000 | 2,814 |
| Salaries and employee benefits | $2,159,000 | 3,251 |
| Premises and equipment expense | $1,000,000 | 2,060 |
| Additional noninterest expense | $1,654,000 | 2,570 |
| Pre-tax net operating income | $-233,000 | 9,372 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-27,000 | 9,405 |
| Income before extraordinary items | $-206,000 | 9,382 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-206,000 | 9,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,760 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-206,000 | 9,380 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,736,000 | 3,618 |
| Total interest expense | $4,397,000 | 3,310 |
| Net interest income | $4,339,000 | 3,899 |
| Provision for loan and lease losses | $269,000 | 2,924 |
| Total noninterest income | $604,000 | 4,409 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $410,000 | 3,157 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $194,000 | 5,009 |
| Total noninterest expense | $4,908,000 | 2,755 |
| Salaries and employee benefits | $2,093,000 | 3,298 |
| Premises and equipment expense | $1,040,000 | 1,971 |
| Additional noninterest expense | $1,775,000 | 2,452 |
| Pre-tax net operating income | $-234,000 | 9,658 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $-86,000 | 9,898 |
| Income before extraordinary items | $-142,000 | 9,619 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-142,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 1,214 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-145,840 | 9,599 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,294,000 | 3,819 |
| Total interest expense | $3,806,000 | 3,838 |
| Net interest income | $4,488,000 | 3,745 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $632,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $320,000 | 3,742 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $312,000 | 3,935 |
| Total noninterest expense | $4,615,000 | 2,811 |
| Salaries and employee benefits | $1,800,000 | 3,667 |
| Premises and equipment expense | $1,128,000 | 1,748 |
| Additional noninterest expense | $1,687,000 | 2,472 |
| Pre-tax net operating income | $495,000 | 7,394 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $176,000 | 6,476 |
| Income before extraordinary items | $325,000 | 7,679 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $325,000 | 7,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $785,000 | 903 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $321,100 | 7,623 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,107,000 | 3,926 |
| Total interest expense | $3,835,000 | 3,837 |
| Net interest income | $4,272,000 | 4,004 |
| Provision for loan and lease losses | $1,209,000 | 844 |
| Total noninterest income | $645,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 3,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,719 |
| Total noninterest expense | $4,603,000 | 2,765 |
| Salaries and employee benefits | $2,010,000 | 3,292 |
| Premises and equipment expense | $1,064,000 | 1,864 |
| Additional noninterest expense | $1,529,000 | 2,687 |
| Pre-tax net operating income | $-895,000 | 10,833 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $-1,859,000 | 10,899 |
| Income before extraordinary items | $965,000 | 4,824 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $965,000 | 4,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $525,000 | 1,288 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $964,360 | 4,767 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,838,000 | 6,080 |
| Total interest expense | $1,976,000 | 6,455 |
| Net interest income | $2,862,000 | 5,641 |
| Provision for loan and lease losses | $-35,000 | 11,167 |
| Total noninterest income | $519,000 | 5,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,917 |
| Total noninterest expense | $3,059,000 | 4,245 |
| Salaries and employee benefits | $1,329,000 | 4,775 |
| Premises and equipment expense | $704,000 | 2,778 |
| Additional noninterest expense | $1,026,000 | 4,315 |
| Pre-tax net operating income | $357,000 | 8,767 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $5,000 | 10,459 |
| Income before extraordinary items | $359,000 | 7,931 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $359,000 | 7,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 11,182 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $352,070 | 7,928 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,487,000 | 7,573 |
| Total interest expense | $1,107,000 | 8,883 |
| Net interest income | $2,380,000 | 6,520 |
| Provision for loan and lease losses | $-30,000 | 11,519 |
| Total noninterest income | $454,000 | 5,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,016 |
| Total noninterest expense | $2,524,000 | 4,954 |
| Salaries and employee benefits | $1,194,000 | 5,239 |
| Premises and equipment expense | $477,000 | 3,906 |
| Additional noninterest expense | $853,000 | 4,981 |
| Pre-tax net operating income | $340,000 | 9,461 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $340,000 | 8,567 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $340,000 | 8,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 11,620 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $340,000 | 8,537 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 7,909 |
| Total interest expense | $932,000 | 8,985 |
| Net interest income | $2,154,000 | 7,185 |
| Provision for loan and lease losses | $-114,000 | 12,204 |
| Total noninterest income | $405,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,523 |
| Total noninterest expense | $2,601,000 | 4,982 |
| Salaries and employee benefits | $1,179,000 | 5,323 |
| Premises and equipment expense | $500,000 | 3,811 |
| Additional noninterest expense | $922,000 | 5,072 |
| Pre-tax net operating income | $72,000 | 11,798 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $72,000 | 11,639 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $72,000 | 11,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $72,000 | 11,681 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 9,385 |
| Total interest expense | $964,000 | 9,269 |
| Net interest income | $1,439,000 | 9,306 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $350,000 | 7,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 7,282 |
| Total noninterest expense | $2,691,000 | 4,943 |
| Salaries and employee benefits | $1,076,000 | 5,758 |
| Premises and equipment expense | $496,000 | 3,891 |
| Additional noninterest expense | $1,119,000 | 4,465 |
| Pre-tax net operating income | $-902,000 | 12,960 |
| Securities gains (losses) | $155,000 | 1,954 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-747,000 | 12,954 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-747,000 | 12,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,964 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-902,000 | 12,943 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,080,000 | 8,836 |
| Total interest expense | $1,304,000 | 9,214 |
| Net interest income | $1,776,000 | 8,417 |
| Provision for loan and lease losses | $418,000 | 3,371 |
| Total noninterest income | $395,000 | 6,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 8,063 |
| Total noninterest expense | $2,797,000 | 4,820 |
| Salaries and employee benefits | $1,029,000 | 5,879 |
| Premises and equipment expense | $486,000 | 4,066 |
| Additional noninterest expense | $1,282,000 | 4,092 |
| Pre-tax net operating income | $-1,044,000 | 13,484 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $-620,000 | 13,777 |
| Income before extraordinary items | $-404,000 | 13,328 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-404,000 | 13,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,131,000 | 922 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $560,000 | 534 |
| Net operating income | $-416,800 | 13,229 |
* 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.