Home > AmSouth Bank > Income and Expense

AmSouth Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$2,219,831,000	32
Total interest expense	$1,020,063,000	30
Net interest income	$1,199,768,000	34
Provision for loan and lease losses	$76,800,000	37
Total noninterest income	$692,180,000	36
Gross Fiduciary activities income	$71,501,000	32
Service charges on deposit accounts	$301,351,000	10
Trading account gains and fees	$11,664,000	36
Additional Noninterest Income	$307,664,000	46
Total noninterest expense	$994,773,000	40
Salaries and employee benefits	$586,596,000	26
Premises and equipment expense	$179,591,000	21
Additional noninterest expense	$228,586,000	65
Pre-tax net operating income	$820,375,000	37
Securities gains (losses)	$2,808,000	73
Applicable income taxes	$261,768,000	38
Income before extraordinary items	$561,415,000	37
Extraordinary gains, net	$0	45
Net income	$561,415,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,800,000	35
Cash dividends	$450,000,000	29
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$559,505,560	37
2006-06-30 (YTD Data)		Rank
Total interest income	$1,442,048,000	32
Total interest expense	$634,903,000	31
Net interest income	$807,145,000	35
Provision for loan and lease losses	$51,300,000	37
Total noninterest income	$446,225,000	38
Gross Fiduciary activities income	$47,887,000	33
Service charges on deposit accounts	$198,413,000	9
Trading account gains and fees	$6,946,000	39
Additional Noninterest Income	$192,979,000	50
Total noninterest expense	$662,471,000	40
Salaries and employee benefits	$387,450,000	26
Premises and equipment expense	$118,995,000	21
Additional noninterest expense	$156,026,000	63
Pre-tax net operating income	$539,599,000	36
Securities gains (losses)	$313,000	208
Applicable income taxes	$169,919,000	38
Income before extraordinary items	$369,993,000	35
Extraordinary gains, net	$0	39
Net income	$369,993,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,903,000	30
Cash dividends	$450,000,000	19
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$369,777,030	36
2006-03-31 (YTD Data)		Rank
Total interest income	$700,405,000	33
Total interest expense	$299,097,000	31
Net interest income	$401,308,000	34
Provision for loan and lease losses	$27,300,000	30
Total noninterest income	$214,898,000	38
Gross Fiduciary activities income	$23,763,000	33
Service charges on deposit accounts	$95,105,000	9
Trading account gains and fees	$3,431,000	35
Additional Noninterest Income	$92,599,000	52
Total noninterest expense	$326,871,000	41
Salaries and employee benefits	$187,217,000	28
Premises and equipment expense	$59,555,000	19
Additional noninterest expense	$80,099,000	56
Pre-tax net operating income	$262,035,000	37
Securities gains (losses)	$262,000	149
Applicable income taxes	$80,620,000	39
Income before extraordinary items	$181,677,000	34
Extraordinary gains, net	$0	21
Net income	$181,677,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,753,000	22
Cash dividends	$250,000,000	13
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$181,496,220	34
2005-12-31 (YTD Data)		Rank
Total interest income	$2,479,766,000	32
Total interest expense	$937,410,000	31
Net interest income	$1,542,356,000	32
Provision for loan and lease losses	$93,950,000	37
Total noninterest income	$910,640,000	39
Gross Fiduciary activities income	$113,156,000	33
Service charges on deposit accounts	$367,048,000	9
Trading account gains and fees	$15,280,000	34
Additional Noninterest Income	$415,156,000	47
Total noninterest expense	$1,283,198,000	40
Salaries and employee benefits	$723,442,000	27
Premises and equipment expense	$236,587,000	22
Additional noninterest expense	$323,169,000	53
Pre-tax net operating income	$1,075,848,000	34
Securities gains (losses)	$3,825,000	94
Applicable income taxes	$341,598,000	35
Income before extraordinary items	$738,075,000	33
Extraordinary gains, net	$0	46
Net income	$738,075,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,029,000	41
Cash dividends	$450,000,000	31
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$735,474,000	33
2005-09-30 (YTD Data)		Rank
Total interest income	$1,809,179,000	33
Total interest expense	$663,793,000	31
Net interest income	$1,145,386,000	33
Provision for loan and lease losses	$73,100,000	36
Total noninterest income	$693,832,000	36
Gross Fiduciary activities income	$89,802,000	31
Service charges on deposit accounts	$271,660,000	9
Trading account gains and fees	$12,087,000	32
Additional Noninterest Income	$320,283,000	47
Total noninterest expense	$964,935,000	39
Salaries and employee benefits	$544,342,000	26
Premises and equipment expense	$177,967,000	20
Additional noninterest expense	$242,626,000	55
Pre-tax net operating income	$801,183,000	35
Securities gains (losses)	$3,825,000	82
Applicable income taxes	$252,675,000	37
Income before extraordinary items	$552,333,000	33
Extraordinary gains, net	$0	35
Net income	$552,333,000	31
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,227,000	44
Cash dividends	$300,000,000	31
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$549,693,750	33
2005-06-30 (YTD Data)		Rank
Total interest income	$1,182,981,000	32
Total interest expense	$416,722,000	32
Net interest income	$766,259,000	32
Provision for loan and lease losses	$38,300,000	43
Total noninterest income	$435,710,000	39
Gross Fiduciary activities income	$60,363,000	31
Service charges on deposit accounts	$176,519,000	8
Trading account gains and fees	$8,330,000	33
Additional Noninterest Income	$190,498,000	49
Total noninterest expense	$631,031,000	40
Salaries and employee benefits	$364,829,000	25
Premises and equipment expense	$118,253,000	19
Additional noninterest expense	$147,949,000	57
Pre-tax net operating income	$532,638,000	37
Securities gains (losses)	$3,604,000	76
Applicable income taxes	$166,957,000	38
Income before extraordinary items	$369,285,000	33
Extraordinary gains, net	$0	30
Net income	$369,285,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,448,000	43
Cash dividends	$200,000,000	27
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$366,798,240	33
2005-03-31 (YTD Data)		Rank
Total interest income	$580,868,000	32
Total interest expense	$197,222,000	34
Net interest income	$383,646,000	35
Provision for loan and lease losses	$20,600,000	38
Total noninterest income	$215,064,000	41
Gross Fiduciary activities income	$30,353,000	31
Service charges on deposit accounts	$85,034,000	11
Trading account gains and fees	$2,736,000	40
Additional Noninterest Income	$96,941,000	50
Total noninterest expense	$318,102,000	39
Salaries and employee benefits	$185,701,000	26
Premises and equipment expense	$57,271,000	20
Additional noninterest expense	$75,130,000	60
Pre-tax net operating income	$260,008,000	34
Securities gains (losses)	$1,128,000	94
Applicable income taxes	$79,434,000	37
Income before extraordinary items	$181,702,000	33
Extraordinary gains, net	$0	24
Net income	$181,702,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,538,000	41
Cash dividends	$100,000,000	29
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$180,912,400	34
2004-12-31 (YTD Data)		Rank
Total interest income	$2,163,923,000	32
Total interest expense	$669,539,000	26
Net interest income	$1,494,384,000	31
Provision for loan and lease losses	$127,750,000	32
Total noninterest income	$1,007,880,000	36
Gross Fiduciary activities income	$117,973,000	32
Service charges on deposit accounts	$378,655,000	9
Trading account gains and fees	$11,625,000	37
Additional Noninterest Income	$499,627,000	43
Total noninterest expense	$1,450,932,000	29
Salaries and employee benefits	$701,505,000	27
Premises and equipment expense	$234,162,000	20
Additional noninterest expense	$515,265,000	37
Pre-tax net operating income	$923,582,000	35
Securities gains (losses)	$22,523,000	36
Applicable income taxes	$310,810,000	39
Income before extraordinary items	$635,295,000	38
Extraordinary gains, net	$0	34
Net income	$635,295,000	38
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,100,000	33
Cash dividends	$444,000,000	28
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$620,204,590	36
2004-09-30 (YTD Data)		Rank
Total interest income	$1,598,124,000	33
Total interest expense	$486,876,000	24
Net interest income	$1,111,248,000	32
Provision for loan and lease losses	$83,500,000	40
Total noninterest income	$631,728,000	42
Gross Fiduciary activities income	$87,402,000	33
Service charges on deposit accounts	$284,100,000	10
Trading account gains and fees	$8,982,000	39
Additional Noninterest Income	$251,244,000	58
Total noninterest expense	$991,787,000	33
Salaries and employee benefits	$524,747,000	27
Premises and equipment expense	$174,518,000	20
Additional noninterest expense	$292,522,000	49
Pre-tax net operating income	$667,689,000	36
Securities gains (losses)	$18,385,000	35
Applicable income taxes	$228,554,000	39
Income before extraordinary items	$457,520,000	40
Extraordinary gains, net	$0	26
Net income	$457,520,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,369,000	39
Cash dividends	$344,000,000	28
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$445,202,050	38
2004-06-30 (YTD Data)		Rank
Total interest income	$1,048,422,000	33
Total interest expense	$316,692,000	23
Net interest income	$731,730,000	33
Provision for loan and lease losses	$54,700,000	44
Total noninterest income	$423,799,000	44
Gross Fiduciary activities income	$58,815,000	34
Service charges on deposit accounts	$187,592,000	11
Trading account gains and fees	$6,253,000	36
Additional Noninterest Income	$171,139,000	59
Total noninterest expense	$630,970,000	37
Salaries and employee benefits	$355,636,000	27
Premises and equipment expense	$114,870,000	22
Additional noninterest expense	$160,464,000	62
Pre-tax net operating income	$469,859,000	38
Securities gains (losses)	$14,584,000	35
Applicable income taxes	$148,894,000	40
Income before extraordinary items	$335,549,000	37
Extraordinary gains, net	$0	21
Net income	$335,549,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,342,000	42
Cash dividends	$244,000,000	28
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$325,486,040	37
2004-03-31 (YTD Data)		Rank
Total interest income	$524,636,000	33
Total interest expense	$158,693,000	22
Net interest income	$365,943,000	33
Provision for loan and lease losses	$28,100,000	38
Total noninterest income	$212,474,000	41
Gross Fiduciary activities income	$28,880,000	34
Service charges on deposit accounts	$93,215,000	11
Trading account gains and fees	$3,388,000	36
Additional Noninterest Income	$86,991,000	53
Total noninterest expense	$320,744,000	37
Salaries and employee benefits	$181,421,000	27
Premises and equipment expense	$56,605,000	22
Additional noninterest expense	$82,718,000	59
Pre-tax net operating income	$229,573,000	37
Securities gains (losses)	$8,494,000	44
Applicable income taxes	$72,654,000	40
Income before extraordinary items	$165,413,000	35
Extraordinary gains, net	$0	16
Net income	$165,413,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,792,000	39
Cash dividends	$144,000,000	22
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$159,552,140	35
2003-12-31 (YTD Data)		Rank
Total interest income	$2,086,452,000	32
Total interest expense	$643,263,000	30
Net interest income	$1,443,189,000	34
Provision for loan and lease losses	$173,700,000	35
Total noninterest income	$811,601,000	46
Gross Fiduciary activities income	$103,657,000	34
Service charges on deposit accounts	$337,945,000	12
Trading account gains and fees	$18,509,000	31
Additional Noninterest Income	$351,490,000	61
Total noninterest expense	$1,201,989,000	39
Salaries and employee benefits	$671,120,000	30
Premises and equipment expense	$214,456,000	23
Additional noninterest expense	$316,413,000	59
Pre-tax net operating income	$879,101,000	38
Securities gains (losses)	$44,862,000	39
Applicable income taxes	$277,354,000	41
Income before extraordinary items	$646,609,000	36
Extraordinary gains, net	$0	54
Net income	$646,609,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,155,000	38
Cash dividends	$629,000,000	26
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$615,205,600	36
2003-09-30 (YTD Data)		Rank
Total interest income	$1,565,251,000	31
Total interest expense	$487,523,000	30
Net interest income	$1,077,728,000	34
Provision for loan and lease losses	$129,200,000	37
Total noninterest income	$598,142,000	46
Gross Fiduciary activities income	$77,543,000	34
Service charges on deposit accounts	$244,768,000	13
Trading account gains and fees	$12,847,000	34
Additional Noninterest Income	$262,984,000	60
Total noninterest expense	$892,017,000	39
Salaries and employee benefits	$498,521,000	30
Premises and equipment expense	$159,987,000	23
Additional noninterest expense	$233,509,000	60
Pre-tax net operating income	$654,653,000	36
Securities gains (losses)	$34,419,000	42
Applicable income taxes	$206,020,000	38
Income before extraordinary items	$483,052,000	34
Extraordinary gains, net	$0	40
Net income	$483,052,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,720,000	38
Cash dividends	$482,000,000	22
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$458,958,700	35
2003-06-30 (YTD Data)		Rank
Total interest income	$1,060,071,000	31
Total interest expense	$332,671,000	30
Net interest income	$727,400,000	34
Provision for loan and lease losses	$87,400,000	36
Total noninterest income	$385,114,000	44
Gross Fiduciary activities income	$51,625,000	34
Service charges on deposit accounts	$157,233,000	13
Trading account gains and fees	$8,048,000	37
Additional Noninterest Income	$168,208,000	60
Total noninterest expense	$586,829,000	40
Salaries and employee benefits	$325,763,000	30
Premises and equipment expense	$115,395,000	23
Additional noninterest expense	$145,671,000	63
Pre-tax net operating income	$438,285,000	36
Securities gains (losses)	$19,001,000	56
Applicable income taxes	$136,549,000	40
Income before extraordinary items	$320,737,000	35
Extraordinary gains, net	$0	30
Net income	$320,737,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,968,000	37
Cash dividends	$323,000,000	19
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$307,436,300	35
2003-03-31 (YTD Data)		Rank
Total interest income	$537,624,000	30
Total interest expense	$166,683,000	27
Net interest income	$370,941,000	30
Provision for loan and lease losses	$44,700,000	35
Total noninterest income	$188,018,000	43
Gross Fiduciary activities income	$26,027,000	33
Service charges on deposit accounts	$75,556,000	13
Trading account gains and fees	$3,051,000	42
Additional Noninterest Income	$83,384,000	59
Total noninterest expense	$288,854,000	39
Salaries and employee benefits	$160,651,000	29
Premises and equipment expense	$55,473,000	22
Additional noninterest expense	$72,730,000	61
Pre-tax net operating income	$225,405,000	36
Securities gains (losses)	$4,976,000	78
Applicable income taxes	$69,557,000	42
Income before extraordinary items	$160,824,000	36
Extraordinary gains, net	$0	21
Net income	$160,824,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,343,000	35
Cash dividends	$163,000,000	21
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$157,340,800	36
2002-12-31 (YTD Data)		Rank
Total interest income	$2,327,969,000	28
Total interest expense	$748,631,000	30
Net interest income	$1,579,338,000	29
Provision for loan and lease losses	$213,550,000	34
Total noninterest income	$684,209,000	48
Gross Fiduciary activities income	$105,428,000	33
Service charges on deposit accounts	$289,226,000	15
Trading account gains and fees	$7,031,000	43
Additional Noninterest Income	$282,524,000	61
Total noninterest expense	$1,155,202,000	38
Salaries and employee benefits	$644,528,000	27
Premises and equipment expense	$218,681,000	22
Additional noninterest expense	$291,993,000	63
Pre-tax net operating income	$894,795,000	34
Securities gains (losses)	$13,189,000	82
Applicable income taxes	$276,339,000	36
Income before extraordinary items	$631,645,000	34
Extraordinary gains, net	$0	70
Net income	$631,645,000	34
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$195,578,000	34
Cash dividends	$628,000,000	18
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$622,412,700	33
2001-12-31 (YTD Data)		Rank
Total interest income	$2,682,917,000	28
Total interest expense	$1,199,843,000	28
Net interest income	$1,483,074,000	27
Provision for loan and lease losses	$187,100,000	43
Total noninterest income	$687,958,000	43
Gross Fiduciary activities income	$112,078,000	31
Service charges on deposit accounts	$258,089,000	15
Trading account gains and fees	$3,622,000	54
Additional Noninterest Income	$314,169,000	61
Total noninterest expense	$1,179,569,000	35
Salaries and employee benefits	$623,168,000	26
Premises and equipment expense	$170,414,000	28
Additional noninterest expense	$385,987,000	53
Pre-tax net operating income	$804,363,000	28
Securities gains (losses)	$10,017,000	87
Applicable income taxes	$249,682,000	35
Income before extraordinary items	$564,698,000	27
Extraordinary gains, net	$-185,000	9,540
Net income	$564,513,000	28
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,927,000	34
Cash dividends	$548,000,000	22
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$557,786,270	26
2000-12-31 (YTD Data)		Rank
Total interest income	$3,034,618,000	26
Total interest expense	$1,647,340,000	29
Net interest income	$1,387,278,000	24
Provision for loan and lease losses	$227,600,000	29
Total noninterest income	$811,391,000	40
Gross Fiduciary activities income	$114,353,000	34
Service charges on deposit accounts	$229,383,000	17
Trading account gains and fees	$2,905,000	54
Additional Noninterest Income	$464,750,000	47
Total noninterest expense	$1,361,399,000	30
Salaries and employee benefits	$617,843,000	26
Premises and equipment expense	$171,757,000	29
Additional noninterest expense	$571,799,000	39
Pre-tax net operating income	$609,670,000	41
Securities gains (losses)	$-103,367,000	9,898
Applicable income taxes	$144,241,000	52
Income before extraordinary items	$362,062,000	43
Extraordinary gains, net	$0	38
Net income	$362,062,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,351,000	41
Cash dividends	$586,000,000	18
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$436,486,240	39
1999-12-31 (YTD Data)		Rank
Total interest income	$2,891,479,000	20
Total interest expense	$1,382,479,000	24
Net interest income	$1,509,000,000	17
Provision for loan and lease losses	$165,217,000	25
Total noninterest income	$861,333,000	36
Gross Fiduciary activities income	$109,222,000	37
Service charges on deposit accounts	$234,717,000	13
Trading account gains and fees	$8,447,000	43
Additional Noninterest Income	$508,947,000	38
Total noninterest expense	$1,575,557,000	25
Salaries and employee benefits	$661,185,000	22
Premises and equipment expense	$194,586,000	23
Additional noninterest expense	$719,786,000	28
Pre-tax net operating income	$629,559,000	37
Securities gains (losses)	$5,125,000	64
Applicable income taxes	$217,670,000	39
Income before extraordinary items	$417,014,000	40
Extraordinary gains, net	$0	35
Net income	$417,014,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,746,000	41
Cash dividends	$308,133,000	35
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$413,631,500	39
1998-12-31 (YTD Data)		Rank
Total interest income	$1,465,695,000	48
Total interest expense	$737,386,000	48
Net interest income	$728,309,000	51
Provision for loan and lease losses	$58,134,000	69
Total noninterest income	$332,212,000	73
Gross Fiduciary activities income	$66,722,000	45
Service charges on deposit accounts	$104,709,000	38
Trading account gains and fees	$827,000	100
Additional Noninterest Income	$159,954,000	92
Total noninterest expense	$578,061,000	61
Salaries and employee benefits	$301,610,000	44
Premises and equipment expense	$109,903,000	39
Additional noninterest expense	$166,548,000	100
Pre-tax net operating income	$424,326,000	46
Securities gains (losses)	$8,336,000	84
Applicable income taxes	$152,000,000	44
Income before extraordinary items	$280,662,000	50
Extraordinary gains, net	$0	32
Net income	$280,662,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,356,000	74
Cash dividends	$263,000,000	37
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$275,243,600	49
1997-12-31 (YTD Data)		Rank
Total interest income	$1,380,943,000	46
Total interest expense	$673,497,000	47
Net interest income	$707,446,000	49
Provision for loan and lease losses	$67,399,000	59
Total noninterest income	$255,017,000	75
Gross Fiduciary activities income	$62,309,000	44
Service charges on deposit accounts	$98,546,000	33
Trading account gains and fees	$672,000	97
Additional Noninterest Income	$93,490,000	116
Total noninterest expense	$521,089,000	57
Salaries and employee benefits	$259,369,000	46
Premises and equipment expense	$107,556,000	32
Additional noninterest expense	$154,164,000	88
Pre-tax net operating income	$373,975,000	47
Securities gains (losses)	$7,883,000	58
Applicable income taxes	$134,093,000	45
Income before extraordinary items	$247,765,000	48
Extraordinary gains, net	$0	44
Net income	$247,765,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,250,000	58
Cash dividends	$246,241,000	40
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$242,641,050	50
1996-12-31 (YTD Data)		Rank
Total interest income	$4,580,000	6,316
Total interest expense	$2,699,000	5,227
Net interest income	$1,881,000	7,402
Provision for loan and lease losses	$140,000	4,234
Total noninterest income	$745,000	3,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$527,000	2,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$218,000	4,938
Total noninterest expense	$742,000	9,668
Salaries and employee benefits	$431,000	9,384
Premises and equipment expense	$143,000	8,222
Additional noninterest expense	$168,000	10,326
Pre-tax net operating income	$1,744,000	3,823
Securities gains (losses)	$0	4,148
Applicable income taxes	$657,000	3,332
Income before extraordinary items	$1,087,000	4,197
Extraordinary gains, net	$0	53
Net income	$1,087,000	4,198
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	2,837
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,087,000	4,133
1995-12-31 (YTD Data)		Rank
Total interest income	$4,292,000	6,701
Total interest expense	$2,690,000	5,244
Net interest income	$1,602,000	8,251
Provision for loan and lease losses	$114,000	4,327
Total noninterest income	$609,000	4,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$416,000	3,236
Trading account gains and fees	NA	NA
Additional Noninterest Income	$193,000	5,232
Total noninterest expense	$859,000	9,515
Salaries and employee benefits	$477,000	9,309
Premises and equipment expense	$132,000	8,739
Additional noninterest expense	$250,000	9,821
Pre-tax net operating income	$1,238,000	5,150
Securities gains (losses)	$0	3,831
Applicable income taxes	$466,000	4,417
Income before extraordinary items	$772,000	5,585
Extraordinary gains, net	$0	65
Net income	$772,000	5,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,478
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$772,000	5,572
1994-12-31 (YTD Data)		Rank
Total interest income	$3,692,000	7,081
Total interest expense	$2,167,000	5,237
Net interest income	$1,525,000	8,814
Provision for loan and lease losses	$140,000	3,750
Total noninterest income	$561,000	4,886
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$356,000	3,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$205,000	5,180
Total noninterest expense	$1,025,000	9,260
Salaries and employee benefits	$496,000	9,425
Premises and equipment expense	$166,000	8,170
Additional noninterest expense	$363,000	9,199
Pre-tax net operating income	$921,000	6,292
Securities gains (losses)	$5,000	2,624
Applicable income taxes	$348,000	5,300
Income before extraordinary items	$578,000	6,703
Extraordinary gains, net	$0	249
Net income	$578,000	6,717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,456
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$574,800	6,786
1993-12-31 (YTD Data)		Rank
Total interest income	$3,681,000	7,297
Total interest expense	$2,235,000	5,301
Net interest income	$1,446,000	9,290
Provision for loan and lease losses	$275,000	3,195
Total noninterest income	$428,000	6,192
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$247,000	5,169
Trading account gains and fees	NA	NA
Additional Noninterest Income	$181,000	5,974
Total noninterest expense	$934,000	10,040
Salaries and employee benefits	$472,000	9,938
Premises and equipment expense	$178,000	8,187
Additional noninterest expense	$284,000	10,641
Pre-tax net operating income	$665,000	7,544
Securities gains (losses)	$17,000	4,881
Applicable income taxes	$256,000	6,691
Income before extraordinary items	$426,000	8,172
Extraordinary gains, net	$0	3,149
Net income	$426,000	8,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$166,000	3,486
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$415,120	8,010
1992-12-31 (YTD Data)		Rank
Total interest income	$2,876,000	9,198
Total interest expense	$1,731,000	7,815
Net interest income	$1,145,000	10,532
Provision for loan and lease losses	$265,000	4,453
Total noninterest income	$289,000	7,873
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$245,000	5,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$816,000	10,931
Salaries and employee benefits	$396,000	10,905
Premises and equipment expense	$158,000	8,881
Additional noninterest expense	$262,000	11,387
Pre-tax net operating income	$353,000	9,655
Securities gains (losses)	$0	8,369
Applicable income taxes	$130,000	9,108
Income before extraordinary items	$223,000	10,279
Extraordinary gains, net	$0	1,422
Net income	$223,000	10,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$303,000	3,309
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$223,000	9,930

* 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.