Home > MBNA America Delaware > Income and Expense
MBNA America Delaware, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $217,889,000 | 150 |
| Total interest expense | $96,368,000 | 140 |
| Net interest income | $121,521,000 | 146 |
| Provision for loan and lease losses | $71,753,000 | 24 |
| Total noninterest income | $167,275,000 | 78 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,275,000 | 62 |
| Total noninterest expense | $116,784,000 | 131 |
| Salaries and employee benefits | $41,066,000 | 148 |
| Premises and equipment expense | $10,218,000 | 152 |
| Additional noninterest expense | $65,500,000 | 101 |
| Pre-tax net operating income | $100,259,000 | 121 |
| Securities gains (losses) | $-58,000 | 8,400 |
| Applicable income taxes | $36,304,000 | 117 |
| Income before extraordinary items | $63,897,000 | 123 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $63,897,000 | 124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,773,000 | 61 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $63,934,120 | 121 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $106,217,000 | 147 |
| Total interest expense | $43,165,000 | 144 |
| Net interest income | $63,052,000 | 139 |
| Provision for loan and lease losses | $26,094,000 | 31 |
| Total noninterest income | $84,681,000 | 77 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $84,681,000 | 60 |
| Total noninterest expense | $67,911,000 | 119 |
| Salaries and employee benefits | $21,157,000 | 144 |
| Premises and equipment expense | $5,230,000 | 153 |
| Additional noninterest expense | $41,524,000 | 92 |
| Pre-tax net operating income | $53,728,000 | 112 |
| Securities gains (losses) | $-58,000 | 8,592 |
| Applicable income taxes | $19,380,000 | 109 |
| Income before extraordinary items | $34,290,000 | 114 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $34,290,000 | 116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,054,000 | 112 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $34,327,120 | 112 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $333,110,000 | 158 |
| Total interest expense | $137,895,000 | 140 |
| Net interest income | $195,215,000 | 157 |
| Provision for loan and lease losses | $62,020,000 | 49 |
| Total noninterest income | $348,503,000 | 72 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $348,503,000 | 53 |
| Total noninterest expense | $282,786,000 | 112 |
| Salaries and employee benefits | $87,933,000 | 136 |
| Premises and equipment expense | $18,247,000 | 165 |
| Additional noninterest expense | $176,606,000 | 83 |
| Pre-tax net operating income | $198,912,000 | 108 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $72,749,000 | 109 |
| Income before extraordinary items | $126,163,000 | 116 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $126,163,000 | 117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,885,000 | 49 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $126,163,000 | 112 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $246,082,000 | 157 |
| Total interest expense | $96,746,000 | 138 |
| Net interest income | $149,336,000 | 158 |
| Provision for loan and lease losses | $31,307,000 | 61 |
| Total noninterest income | $263,306,000 | 71 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $263,306,000 | 52 |
| Total noninterest expense | $211,152,000 | 113 |
| Salaries and employee benefits | $66,588,000 | 138 |
| Premises and equipment expense | $12,847,000 | 171 |
| Additional noninterest expense | $131,717,000 | 84 |
| Pre-tax net operating income | $170,183,000 | 103 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $60,988,000 | 102 |
| Income before extraordinary items | $109,195,000 | 111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $109,195,000 | 111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,169,000 | 49 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $109,195,000 | 109 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $160,239,000 | 156 |
| Total interest expense | $59,518,000 | 142 |
| Net interest income | $100,721,000 | 155 |
| Provision for loan and lease losses | $16,593,000 | 66 |
| Total noninterest income | $165,403,000 | 77 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $165,403,000 | 57 |
| Total noninterest expense | $138,828,000 | 111 |
| Salaries and employee benefits | $44,965,000 | 135 |
| Premises and equipment expense | $7,487,000 | 185 |
| Additional noninterest expense | $86,376,000 | 84 |
| Pre-tax net operating income | $110,703,000 | 107 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $39,667,000 | 106 |
| Income before extraordinary items | $71,036,000 | 114 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $71,036,000 | 115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,267,000 | 48 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $71,036,000 | 109 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $74,799,000 | 165 |
| Total interest expense | $25,677,000 | 149 |
| Net interest income | $49,122,000 | 157 |
| Provision for loan and lease losses | $10,045,000 | 62 |
| Total noninterest income | $77,060,000 | 78 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $77,060,000 | 60 |
| Total noninterest expense | $74,100,000 | 107 |
| Salaries and employee benefits | $25,724,000 | 128 |
| Premises and equipment expense | $3,272,000 | 211 |
| Additional noninterest expense | $45,104,000 | 82 |
| Pre-tax net operating income | $42,037,000 | 126 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $15,285,000 | 123 |
| Income before extraordinary items | $26,752,000 | 138 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $26,752,000 | 139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,320,000 | 50 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $26,752,000 | 132 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $208,056,000 | 194 |
| Total interest expense | $64,326,000 | 175 |
| Net interest income | $143,730,000 | 198 |
| Provision for loan and lease losses | $64,587,000 | 51 |
| Total noninterest income | $291,620,000 | 79 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $291,620,000 | 60 |
| Total noninterest expense | $223,160,000 | 135 |
| Salaries and employee benefits | $62,328,000 | 175 |
| Premises and equipment expense | $13,153,000 | 211 |
| Additional noninterest expense | $147,679,000 | 94 |
| Pre-tax net operating income | $147,603,000 | 123 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $52,568,000 | 129 |
| Income before extraordinary items | $95,036,000 | 133 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $95,036,000 | 135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,070,000 | 59 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $95,035,360 | 128 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $145,606,000 | 200 |
| Total interest expense | $43,769,000 | 188 |
| Net interest income | $101,837,000 | 210 |
| Provision for loan and lease losses | $49,291,000 | 57 |
| Total noninterest income | $215,260,000 | 84 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,260,000 | 64 |
| Total noninterest expense | $163,214,000 | 141 |
| Salaries and employee benefits | $46,282,000 | 177 |
| Premises and equipment expense | $9,904,000 | 208 |
| Additional noninterest expense | $107,028,000 | 96 |
| Pre-tax net operating income | $104,592,000 | 128 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $37,400,000 | 134 |
| Income before extraordinary items | $67,192,000 | 144 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $67,192,000 | 145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,698,000 | 63 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $67,192,000 | 135 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $88,771,000 | 213 |
| Total interest expense | $25,444,000 | 203 |
| Net interest income | $63,327,000 | 211 |
| Provision for loan and lease losses | $30,946,000 | 55 |
| Total noninterest income | $143,108,000 | 93 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $143,108,000 | 68 |
| Total noninterest expense | $106,449,000 | 144 |
| Salaries and employee benefits | $29,943,000 | 176 |
| Premises and equipment expense | $6,295,000 | 215 |
| Additional noninterest expense | $70,211,000 | 100 |
| Pre-tax net operating income | $69,040,000 | 134 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $24,724,000 | 136 |
| Income before extraordinary items | $44,316,000 | 144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $44,316,000 | 145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,003,000 | 77 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $44,316,000 | 137 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $34,404,000 | 249 |
| Total interest expense | $8,048,000 | 290 |
| Net interest income | $26,356,000 | 238 |
| Provision for loan and lease losses | $13,940,000 | 59 |
| Total noninterest income | $67,521,000 | 90 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $67,521,000 | 65 |
| Total noninterest expense | $50,378,000 | 148 |
| Salaries and employee benefits | $14,234,000 | 184 |
| Premises and equipment expense | $3,195,000 | 219 |
| Additional noninterest expense | $32,949,000 | 103 |
| Pre-tax net operating income | $29,559,000 | 147 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,668,000 | 150 |
| Income before extraordinary items | $18,891,000 | 156 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $18,891,000 | 157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,515,000 | 103 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $18,891,000 | 146 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $112,325,000 | 297 |
| Total interest expense | $37,889,000 | 271 |
| Net interest income | $74,436,000 | 310 |
| Provision for loan and lease losses | $35,474,000 | 104 |
| Total noninterest income | $235,938,000 | 98 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $235,938,000 | 75 |
| Total noninterest expense | $180,090,000 | 153 |
| Salaries and employee benefits | $51,034,000 | 196 |
| Premises and equipment expense | $12,203,000 | 226 |
| Additional noninterest expense | $116,853,000 | 110 |
| Pre-tax net operating income | $94,810,000 | 156 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $33,927,000 | 163 |
| Income before extraordinary items | $60,883,000 | 172 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $60,883,000 | 173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,115,000 | 103 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $60,883,000 | 160 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $86,371,000 | 302 |
| Total interest expense | $29,438,000 | 273 |
| Net interest income | $56,933,000 | 310 |
| Provision for loan and lease losses | $21,706,000 | 121 |
| Total noninterest income | $166,076,000 | 104 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,076,000 | 76 |
| Total noninterest expense | $132,581,000 | 157 |
| Salaries and employee benefits | $37,172,000 | 202 |
| Premises and equipment expense | $9,180,000 | 228 |
| Additional noninterest expense | $86,229,000 | 112 |
| Pre-tax net operating income | $68,722,000 | 163 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $24,307,000 | 171 |
| Income before extraordinary items | $44,415,000 | 181 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $44,415,000 | 182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,876,000 | 96 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $44,415,000 | 164 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $59,903,000 | 296 |
| Total interest expense | $20,648,000 | 272 |
| Net interest income | $39,255,000 | 303 |
| Provision for loan and lease losses | $15,487,000 | 113 |
| Total noninterest income | $103,976,000 | 106 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $103,976,000 | 79 |
| Total noninterest expense | $85,332,000 | 161 |
| Salaries and employee benefits | $23,943,000 | 205 |
| Premises and equipment expense | $5,891,000 | 237 |
| Additional noninterest expense | $55,498,000 | 115 |
| Pre-tax net operating income | $42,412,000 | 169 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $15,001,000 | 181 |
| Income before extraordinary items | $27,411,000 | 189 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $27,411,000 | 189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,331,000 | 95 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $27,411,000 | 172 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $28,460,000 | 318 |
| Total interest expense | $9,836,000 | 296 |
| Net interest income | $18,624,000 | 323 |
| Provision for loan and lease losses | $8,867,000 | 109 |
| Total noninterest income | $50,181,000 | 109 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,181,000 | 81 |
| Total noninterest expense | $43,523,000 | 156 |
| Salaries and employee benefits | $12,104,000 | 201 |
| Premises and equipment expense | $3,169,000 | 230 |
| Additional noninterest expense | $28,250,000 | 112 |
| Pre-tax net operating income | $16,415,000 | 211 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,806,000 | 222 |
| Income before extraordinary items | $10,609,000 | 233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,609,000 | 233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,721,000 | 95 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $10,609,000 | 214 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $133,360,000 | 294 |
| Total interest expense | $45,289,000 | 302 |
| Net interest income | $88,071,000 | 284 |
| Provision for loan and lease losses | $46,724,000 | 104 |
| Total noninterest income | $182,307,000 | 109 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,307,000 | 77 |
| Total noninterest expense | $160,027,000 | 164 |
| Salaries and employee benefits | $44,639,000 | 212 |
| Premises and equipment expense | $10,751,000 | 256 |
| Additional noninterest expense | $104,637,000 | 118 |
| Pre-tax net operating income | $63,627,000 | 207 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $22,394,000 | 210 |
| Income before extraordinary items | $41,233,000 | 233 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $41,233,000 | 233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,417,000 | 98 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $41,233,000 | 216 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $113,262,000 | 361 |
| Total interest expense | $53,901,000 | 360 |
| Net interest income | $59,361,000 | 360 |
| Provision for loan and lease losses | $29,930,000 | 138 |
| Total noninterest income | $150,367,000 | 128 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $150,367,000 | 99 |
| Total noninterest expense | $147,443,000 | 173 |
| Salaries and employee benefits | $38,796,000 | 214 |
| Premises and equipment expense | $9,607,000 | 272 |
| Additional noninterest expense | $99,040,000 | 135 |
| Pre-tax net operating income | $32,355,000 | 296 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $11,828,000 | 303 |
| Income before extraordinary items | $20,527,000 | 320 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $20,527,000 | 320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,630,000 | 131 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $20,527,000 | 306 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,148,000 | 3,353 |
| Total interest expense | $6,440,000 | 2,589 |
| Net interest income | $3,708,000 | 4,431 |
| Provision for loan and lease losses | $2,665,000 | 501 |
| Total noninterest income | $18,997,000 | 385 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $18,997,000 | 300 |
| Total noninterest expense | $27,605,000 | 580 |
| Salaries and employee benefits | $8,916,000 | 785 |
| Premises and equipment expense | $2,024,000 | 984 |
| Additional noninterest expense | $16,665,000 | 402 |
| Pre-tax net operating income | $-7,565,000 | 9,882 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-3,161,000 | 9,876 |
| Income before extraordinary items | $-4,404,000 | 9,855 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-4,404,000 | 9,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,665,000 | 407 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-4,404,000 | 9,858 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,081,000 | 3,871 |
| Total interest expense | $3,165,000 | 4,400 |
| Net interest income | $4,916,000 | 3,493 |
| Provision for loan and lease losses | $137,000 | 4,478 |
| Total noninterest income | $12,121,000 | 555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,121,000 | 408 |
| Total noninterest expense | $44,743,000 | 397 |
| Salaries and employee benefits | $20,492,000 | 378 |
| Premises and equipment expense | $5,354,000 | 434 |
| Additional noninterest expense | $18,897,000 | 377 |
| Pre-tax net operating income | $-27,843,000 | 10,234 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-9,887,000 | 10,219 |
| Income before extraordinary items | $-17,956,000 | 10,214 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-17,956,000 | 10,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,527 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-17,956,000 | 10,213 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,259,000 | 7,223 |
| Total interest expense | $864,000 | 8,782 |
| Net interest income | $2,395,000 | 5,992 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $14,879,000 | 458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,879,000 | 354 |
| Total noninterest expense | $33,439,000 | 491 |
| Salaries and employee benefits | $20,642,000 | 364 |
| Premises and equipment expense | $4,734,000 | 465 |
| Additional noninterest expense | $8,063,000 | 685 |
| Pre-tax net operating income | $-16,222,000 | 10,472 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-5,657,000 | 10,455 |
| Income before extraordinary items | $-10,565,000 | 10,457 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-10,565,000 | 10,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $30,000,000 | 35 |
| Net operating income | $-10,565,000 | 10,452 |
* 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.