Area Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $179,172,000 | 258 |
| Total interest expense | $76,917,000 | 268 |
| Net interest income | $102,255,000 | 240 |
| Provision for loan and lease losses | $3,020,000 | 508 |
| Total noninterest income | $23,352,000 | 347 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $14,403,000 | 142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,949,000 | 445 |
| Total noninterest expense | $56,119,000 | 333 |
| Salaries and employee benefits | $26,446,000 | 307 |
| Premises and equipment expense | $8,597,000 | 295 |
| Additional noninterest expense | $21,076,000 | 342 |
| Pre-tax net operating income | $66,468,000 | 189 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $20,793,000 | 204 |
| Income before extraordinary items | $45,678,000 | 197 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $45,678,000 | 195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,935,000 | 316 |
| Cash dividends | $30,000,000 | 183 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $45,675,930 | 187 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $182,502,000 | 269 |
| Total interest expense | $85,161,000 | 289 |
| Net interest income | $97,341,000 | 235 |
| Provision for loan and lease losses | $1,995,000 | 616 |
| Total noninterest income | $24,765,000 | 330 |
| Gross Fiduciary activities income | $3,032,000 | 222 |
| Service charges on deposit accounts | $13,321,000 | 145 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $8,412,000 | 465 |
| Total noninterest expense | $59,371,000 | 301 |
| Salaries and employee benefits | $28,120,000 | 264 |
| Premises and equipment expense | $9,239,000 | 276 |
| Additional noninterest expense | $22,012,000 | 324 |
| Pre-tax net operating income | $60,740,000 | 199 |
| Securities gains (losses) | $-1,733,000 | 9,791 |
| Applicable income taxes | $18,567,000 | 223 |
| Income before extraordinary items | $40,440,000 | 200 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $40,440,000 | 199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,378,000 | 435 |
| Cash dividends | $750,000 | 2,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $41,635,770 | 197 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,209,000 | 7,148 |
| Total interest expense | $1,429,000 | 7,135 |
| Net interest income | $1,780,000 | 7,042 |
| Provision for loan and lease losses | $243,000 | 3,106 |
| Total noninterest income | $226,000 | 7,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 5,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,121 |
| Total noninterest expense | $1,211,000 | 7,537 |
| Salaries and employee benefits | $593,000 | 7,797 |
| Premises and equipment expense | $121,000 | 8,213 |
| Additional noninterest expense | $497,000 | 6,542 |
| Pre-tax net operating income | $552,000 | 6,896 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $551,000 | 6,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $551,000 | 6,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,143 |
| Cash dividends | $587,000 | 3,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $552,000 | 6,127 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,299,000 | 7,172 |
| Total interest expense | $1,474,000 | 7,246 |
| Net interest income | $1,825,000 | 7,001 |
| Provision for loan and lease losses | $46,000 | 6,765 |
| Total noninterest income | $241,000 | 7,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,421 |
| Total noninterest expense | $1,180,000 | 7,595 |
| Salaries and employee benefits | $601,000 | 7,758 |
| Premises and equipment expense | $120,000 | 8,264 |
| Additional noninterest expense | $459,000 | 6,726 |
| Pre-tax net operating income | $840,000 | 5,931 |
| Securities gains (losses) | $-4,000 | 10,023 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $836,000 | 5,047 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $836,000 | 5,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $590,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $840,000 | 4,949 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,375,000 | 7,320 |
| Total interest expense | $1,527,000 | 7,278 |
| Net interest income | $1,848,000 | 7,213 |
| Provision for loan and lease losses | $26,000 | 7,586 |
| Total noninterest income | $244,000 | 7,293 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 5,740 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,730 |
| Total noninterest expense | $1,117,000 | 7,953 |
| Salaries and employee benefits | $593,000 | 7,962 |
| Premises and equipment expense | $102,000 | 8,911 |
| Additional noninterest expense | $422,000 | 7,177 |
| Pre-tax net operating income | $949,000 | 5,990 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $133,000 | 7,866 |
| Income before extraordinary items | $810,000 | 5,410 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $810,000 | 5,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $515,000 | 3,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $815,160 | 5,346 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,326,000 | 7,583 |
| Total interest expense | $1,413,000 | 7,808 |
| Net interest income | $1,913,000 | 7,326 |
| Provision for loan and lease losses | $193,000 | 3,505 |
| Total noninterest income | $247,000 | 7,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $1,123,000 | 8,250 |
| Salaries and employee benefits | $538,000 | 8,591 |
| Premises and equipment expense | $134,000 | 8,428 |
| Additional noninterest expense | $451,000 | 7,463 |
| Pre-tax net operating income | $844,000 | 6,317 |
| Securities gains (losses) | $-6,000 | 10,029 |
| Applicable income taxes | $226,000 | 6,757 |
| Income before extraordinary items | $612,000 | 6,198 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $612,000 | 6,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,598 |
| Cash dividends | $1,025,000 | 2,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $616,380 | 6,112 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,005,000 | 8,193 |
| Total interest expense | $1,291,000 | 8,309 |
| Net interest income | $1,714,000 | 7,981 |
| Provision for loan and lease losses | $103,000 | 4,535 |
| Total noninterest income | $267,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,773 |
| Total noninterest expense | $1,145,000 | 8,410 |
| Salaries and employee benefits | $575,000 | 8,530 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $462,000 | 7,591 |
| Pre-tax net operating income | $733,000 | 7,146 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $199,000 | 7,429 |
| Income before extraordinary items | $527,000 | 7,051 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $527,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $130,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $532,110 | 6,997 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,617,000 | 8,701 |
| Total interest expense | $1,076,000 | 8,369 |
| Net interest income | $1,541,000 | 8,760 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $219,000 | 8,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,081,000 | 9,050 |
| Salaries and employee benefits | $511,000 | 9,294 |
| Premises and equipment expense | $100,000 | 10,031 |
| Additional noninterest expense | $470,000 | 8,154 |
| Pre-tax net operating income | $643,000 | 7,757 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $167,000 | 7,982 |
| Income before extraordinary items | $476,000 | 7,485 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $476,000 | 7,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $120,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $476,000 | 7,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 8,837 |
| Total interest expense | $1,172,000 | 8,391 |
| Net interest income | $1,520,000 | 9,040 |
| Provision for loan and lease losses | $43,000 | 7,841 |
| Total noninterest income | $245,000 | 8,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,385 |
| Total noninterest expense | $1,036,000 | 9,576 |
| Salaries and employee benefits | $497,000 | 9,698 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $446,000 | 8,764 |
| Pre-tax net operating income | $686,000 | 7,437 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $176,000 | 8,089 |
| Income before extraordinary items | $493,000 | 7,616 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $493,000 | 7,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $505,580 | 7,253 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 9,188 |
| Total interest expense | $1,434,000 | 8,730 |
| Net interest income | $1,447,000 | 9,462 |
| Provision for loan and lease losses | $41,000 | 9,446 |
| Total noninterest income | $193,000 | 9,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,823 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $942,000 | 10,250 |
| Salaries and employee benefits | $431,000 | 10,506 |
| Premises and equipment expense | $95,000 | 10,910 |
| Additional noninterest expense | $416,000 | 9,383 |
| Pre-tax net operating income | $657,000 | 7,344 |
| Securities gains (losses) | $-14,000 | 13,390 |
| Applicable income taxes | $181,000 | 7,951 |
| Income before extraordinary items | $462,000 | 7,640 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $462,000 | 7,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $105,000 | 6,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $472,080 | 7,203 |
* 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.