Home > Atlantic Bank of New York > Income and Expense
Atlantic Bank of New York, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $35,970,000 | 318 |
| Total interest expense | $15,232,000 | 294 |
| Net interest income | $20,738,000 | 317 |
| Provision for loan and lease losses | $-604,000 | 8,755 |
| Total noninterest income | $3,153,000 | 536 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,369,000 | 315 |
| Trading account gains and fees | $242,000 | 72 |
| Additional Noninterest Income | $1,542,000 | 587 |
| Total noninterest expense | $14,709,000 | 343 |
| Salaries and employee benefits | $8,550,000 | 308 |
| Premises and equipment expense | $2,947,000 | 238 |
| Additional noninterest expense | $3,212,000 | 462 |
| Pre-tax net operating income | $9,786,000 | 341 |
| Securities gains (losses) | $299,000 | 142 |
| Applicable income taxes | $4,180,000 | 289 |
| Income before extraordinary items | $5,905,000 | 381 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,905,000 | 379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 8,603 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $5,713,640 | 388 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $152,666,000 | 269 |
| Total interest expense | $53,548,000 | 270 |
| Net interest income | $99,118,000 | 269 |
| Provision for loan and lease losses | $-6,610,000 | 8,817 |
| Total noninterest income | $18,689,000 | 424 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,209,000 | 274 |
| Trading account gains and fees | $2,268,000 | 61 |
| Additional Noninterest Income | $10,212,000 | 423 |
| Total noninterest expense | $70,219,000 | 285 |
| Salaries and employee benefits | $39,379,000 | 244 |
| Premises and equipment expense | $12,788,000 | 213 |
| Additional noninterest expense | $18,052,000 | 365 |
| Pre-tax net operating income | $54,198,000 | 263 |
| Securities gains (losses) | $-951,000 | 8,749 |
| Applicable income taxes | $22,071,000 | 217 |
| Income before extraordinary items | $31,176,000 | 297 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $31,176,000 | 298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,326 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $31,784,640 | 291 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $115,309,000 | 260 |
| Total interest expense | $39,074,000 | 263 |
| Net interest income | $76,235,000 | 255 |
| Provision for loan and lease losses | $-5,038,000 | 8,841 |
| Total noninterest income | $14,759,000 | 408 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,757,000 | 263 |
| Trading account gains and fees | $1,700,000 | 55 |
| Additional Noninterest Income | $8,302,000 | 410 |
| Total noninterest expense | $50,830,000 | 295 |
| Salaries and employee benefits | $27,833,000 | 258 |
| Premises and equipment expense | $9,527,000 | 213 |
| Additional noninterest expense | $13,470,000 | 359 |
| Pre-tax net operating income | $45,202,000 | 244 |
| Securities gains (losses) | $-1,011,000 | 8,814 |
| Applicable income taxes | $17,677,000 | 218 |
| Income before extraordinary items | $26,514,000 | 267 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $26,514,000 | 268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,486 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $27,161,040 | 258 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $76,935,000 | 253 |
| Total interest expense | $25,208,000 | 253 |
| Net interest income | $51,727,000 | 242 |
| Provision for loan and lease losses | $-2,441,000 | 8,840 |
| Total noninterest income | $10,489,000 | 384 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,301,000 | 249 |
| Trading account gains and fees | $825,000 | 57 |
| Additional Noninterest Income | $6,363,000 | 371 |
| Total noninterest expense | $33,968,000 | 293 |
| Salaries and employee benefits | $18,690,000 | 252 |
| Premises and equipment expense | $6,343,000 | 211 |
| Additional noninterest expense | $8,935,000 | 359 |
| Pre-tax net operating income | $30,689,000 | 238 |
| Securities gains (losses) | $-926,000 | 8,834 |
| Applicable income taxes | $11,905,000 | 215 |
| Income before extraordinary items | $17,858,000 | 262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $17,858,000 | 262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $871,000 | 397 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $18,450,640 | 251 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $38,816,000 | 247 |
| Total interest expense | $12,179,000 | 247 |
| Net interest income | $26,637,000 | 238 |
| Provision for loan and lease losses | $-1,045,000 | 8,900 |
| Total noninterest income | $4,220,000 | 430 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,751,000 | 225 |
| Trading account gains and fees | $679,000 | 59 |
| Additional Noninterest Income | $1,790,000 | 510 |
| Total noninterest expense | $17,113,000 | 290 |
| Salaries and employee benefits | $9,521,000 | 254 |
| Premises and equipment expense | $3,378,000 | 204 |
| Additional noninterest expense | $4,214,000 | 366 |
| Pre-tax net operating income | $14,789,000 | 243 |
| Securities gains (losses) | $-982,000 | 8,904 |
| Applicable income taxes | $5,524,000 | 227 |
| Income before extraordinary items | $8,283,000 | 270 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $8,283,000 | 270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 256 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $8,911,480 | 255 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $152,478,000 | 235 |
| Total interest expense | $46,629,000 | 225 |
| Net interest income | $105,849,000 | 237 |
| Provision for loan and lease losses | $-2,020,000 | 8,949 |
| Total noninterest income | $18,139,000 | 418 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $7,296,000 | 243 |
| Trading account gains and fees | $2,320,000 | 55 |
| Additional Noninterest Income | $8,523,000 | 462 |
| Total noninterest expense | $66,981,000 | 292 |
| Salaries and employee benefits | $36,738,000 | 263 |
| Premises and equipment expense | $11,128,000 | 241 |
| Additional noninterest expense | $19,115,000 | 336 |
| Pre-tax net operating income | $59,027,000 | 236 |
| Securities gains (losses) | $-499,000 | 8,873 |
| Applicable income taxes | $23,412,000 | 206 |
| Income before extraordinary items | $35,116,000 | 256 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $35,116,000 | 257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,632,000 | 541 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $35,435,360 | 249 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $115,938,000 | 235 |
| Total interest expense | $34,428,000 | 227 |
| Net interest income | $81,510,000 | 236 |
| Provision for loan and lease losses | $-1,399,000 | 8,998 |
| Total noninterest income | $13,855,000 | 426 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $5,486,000 | 251 |
| Trading account gains and fees | $1,895,000 | 55 |
| Additional Noninterest Income | $6,474,000 | 465 |
| Total noninterest expense | $52,749,000 | 288 |
| Salaries and employee benefits | $27,179,000 | 267 |
| Premises and equipment expense | $9,689,000 | 214 |
| Additional noninterest expense | $15,881,000 | 317 |
| Pre-tax net operating income | $44,015,000 | 238 |
| Securities gains (losses) | $-848,000 | 8,980 |
| Applicable income taxes | $17,266,000 | 206 |
| Income before extraordinary items | $25,901,000 | 260 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $25,901,000 | 261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-773,000 | 9,008 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $26,443,720 | 250 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $74,141,000 | 238 |
| Total interest expense | $22,158,000 | 224 |
| Net interest income | $51,983,000 | 240 |
| Provision for loan and lease losses | $1,088,000 | 493 |
| Total noninterest income | $9,469,000 | 414 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,613,000 | 245 |
| Trading account gains and fees | $1,441,000 | 54 |
| Additional Noninterest Income | $4,415,000 | 451 |
| Total noninterest expense | $35,009,000 | 289 |
| Salaries and employee benefits | $17,816,000 | 263 |
| Premises and equipment expense | $6,418,000 | 212 |
| Additional noninterest expense | $10,775,000 | 310 |
| Pre-tax net operating income | $25,355,000 | 258 |
| Securities gains (losses) | $-34,000 | 8,872 |
| Applicable income taxes | $10,128,000 | 230 |
| Income before extraordinary items | $15,193,000 | 286 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,193,000 | 287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $935,000 | 449 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $15,214,760 | 273 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $36,091,000 | 240 |
| Total interest expense | $10,618,000 | 236 |
| Net interest income | $25,473,000 | 247 |
| Provision for loan and lease losses | $341,000 | 726 |
| Total noninterest income | $4,389,000 | 430 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,870,000 | 233 |
| Trading account gains and fees | $593,000 | 55 |
| Additional Noninterest Income | $1,926,000 | 491 |
| Total noninterest expense | $18,049,000 | 281 |
| Salaries and employee benefits | $9,204,000 | 264 |
| Premises and equipment expense | $3,247,000 | 213 |
| Additional noninterest expense | $5,598,000 | 298 |
| Pre-tax net operating income | $11,472,000 | 266 |
| Securities gains (losses) | $732,000 | 201 |
| Applicable income taxes | $4,882,000 | 232 |
| Income before extraordinary items | $7,322,000 | 284 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $7,322,000 | 285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-231,000 | 9,054 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $6,853,520 | 282 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $138,341,000 | 252 |
| Total interest expense | $45,759,000 | 236 |
| Net interest income | $92,582,000 | 256 |
| Provision for loan and lease losses | $4,673,000 | 348 |
| Total noninterest income | $17,227,000 | 441 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $7,708,000 | 235 |
| Trading account gains and fees | $-138,000 | 9,159 |
| Additional Noninterest Income | $9,657,000 | 465 |
| Total noninterest expense | $65,638,000 | 306 |
| Salaries and employee benefits | $33,839,000 | 279 |
| Premises and equipment expense | $11,631,000 | 235 |
| Additional noninterest expense | $20,168,000 | 334 |
| Pre-tax net operating income | $39,498,000 | 295 |
| Securities gains (losses) | $2,318,000 | 270 |
| Applicable income taxes | $16,726,000 | 265 |
| Income before extraordinary items | $25,090,000 | 319 |
| Extraordinary gains, net | $2,233,000 | 8 |
| Net income | $27,323,000 | 300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,619,000 | 191 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $23,606,480 | 313 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $103,823,000 | 260 |
| Total interest expense | $35,084,000 | 244 |
| Net interest income | $68,739,000 | 263 |
| Provision for loan and lease losses | $4,183,000 | 314 |
| Total noninterest income | $12,497,000 | 475 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,829,000 | 238 |
| Trading account gains and fees | $-21,000 | 9,202 |
| Additional Noninterest Income | $6,689,000 | 515 |
| Total noninterest expense | $46,521,000 | 322 |
| Salaries and employee benefits | $24,985,000 | 286 |
| Premises and equipment expense | $8,358,000 | 247 |
| Additional noninterest expense | $13,178,000 | 376 |
| Pre-tax net operating income | $30,532,000 | 291 |
| Securities gains (losses) | $2,151,000 | 265 |
| Applicable income taxes | $13,073,000 | 261 |
| Income before extraordinary items | $19,610,000 | 324 |
| Extraordinary gains, net | $2,233,000 | 5 |
| Net income | $21,843,000 | 302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,544,000 | 155 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $18,233,360 | 316 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $69,800,000 | 262 |
| Total interest expense | $23,689,000 | 249 |
| Net interest income | $46,111,000 | 264 |
| Provision for loan and lease losses | $3,839,000 | 246 |
| Total noninterest income | $8,163,000 | 478 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $3,972,000 | 237 |
| Trading account gains and fees | $885,000 | 69 |
| Additional Noninterest Income | $3,306,000 | 632 |
| Total noninterest expense | $31,663,000 | 323 |
| Salaries and employee benefits | $16,660,000 | 287 |
| Premises and equipment expense | $5,541,000 | 251 |
| Additional noninterest expense | $9,462,000 | 359 |
| Pre-tax net operating income | $18,772,000 | 310 |
| Securities gains (losses) | $1,624,000 | 264 |
| Applicable income taxes | $8,164,000 | 283 |
| Income before extraordinary items | $12,232,000 | 344 |
| Extraordinary gains, net | $2,233,000 | 2 |
| Net income | $14,465,000 | 306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,453,000 | 125 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $11,192,640 | 339 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $34,184,000 | 271 |
| Total interest expense | $11,542,000 | 259 |
| Net interest income | $22,642,000 | 277 |
| Provision for loan and lease losses | $2,607,000 | 209 |
| Total noninterest income | $3,327,000 | 553 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,963,000 | 238 |
| Trading account gains and fees | $336,000 | 74 |
| Additional Noninterest Income | $1,028,000 | 872 |
| Total noninterest expense | $15,852,000 | 317 |
| Salaries and employee benefits | $8,545,000 | 289 |
| Premises and equipment expense | $2,723,000 | 261 |
| Additional noninterest expense | $4,584,000 | 373 |
| Pre-tax net operating income | $7,510,000 | 352 |
| Securities gains (losses) | $1,293,000 | 185 |
| Applicable income taxes | $3,523,000 | 312 |
| Income before extraordinary items | $5,280,000 | 369 |
| Extraordinary gains, net | $2,233,000 | 1 |
| Net income | $7,513,000 | 299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,564,000 | 97 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,452,480 | 393 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $136,835,000 | 289 |
| Total interest expense | $44,470,000 | 307 |
| Net interest income | $92,365,000 | 276 |
| Provision for loan and lease losses | $8,056,000 | 274 |
| Total noninterest income | $15,565,000 | 472 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $7,665,000 | 234 |
| Trading account gains and fees | $-62,000 | 9,304 |
| Additional Noninterest Income | $7,962,000 | 505 |
| Total noninterest expense | $59,775,000 | 325 |
| Salaries and employee benefits | $30,641,000 | 300 |
| Premises and equipment expense | $9,373,000 | 287 |
| Additional noninterest expense | $19,761,000 | 354 |
| Pre-tax net operating income | $40,099,000 | 288 |
| Securities gains (losses) | $2,081,000 | 269 |
| Applicable income taxes | $16,924,000 | 254 |
| Income before extraordinary items | $25,256,000 | 313 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $25,256,000 | 313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,163,000 | 239 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $23,924,160 | 311 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $135,712,000 | 313 |
| Total interest expense | $61,803,000 | 325 |
| Net interest income | $73,909,000 | 310 |
| Provision for loan and lease losses | $13,455,000 | 203 |
| Total noninterest income | $12,289,000 | 533 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $7,375,000 | 227 |
| Trading account gains and fees | $64,000 | 126 |
| Additional Noninterest Income | $4,850,000 | 674 |
| Total noninterest expense | $47,882,000 | 377 |
| Salaries and employee benefits | $24,913,000 | 325 |
| Premises and equipment expense | $8,685,000 | 293 |
| Additional noninterest expense | $14,284,000 | 451 |
| Pre-tax net operating income | $24,861,000 | 362 |
| Securities gains (losses) | $1,305,000 | 341 |
| Applicable income taxes | $9,155,000 | 353 |
| Income before extraordinary items | $17,011,000 | 374 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $17,011,000 | 375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,834,000 | 241 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $16,162,750 | 368 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $141,499,000 | 329 |
| Total interest expense | $78,052,000 | 309 |
| Net interest income | $63,447,000 | 339 |
| Provision for loan and lease losses | $2,680,000 | 497 |
| Total noninterest income | $15,464,000 | 442 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $7,407,000 | 211 |
| Trading account gains and fees | $1,008,000 | 79 |
| Additional Noninterest Income | $7,049,000 | 514 |
| Total noninterest expense | $55,281,000 | 318 |
| Salaries and employee benefits | $26,472,000 | 285 |
| Premises and equipment expense | $7,851,000 | 310 |
| Additional noninterest expense | $20,958,000 | 337 |
| Pre-tax net operating income | $20,950,000 | 433 |
| Securities gains (losses) | $-4,595,000 | 9,835 |
| Applicable income taxes | $4,136,000 | 628 |
| Income before extraordinary items | $12,219,000 | 485 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $12,219,000 | 486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,033,000 | 227 |
| Cash dividends | $25,000 | 6,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $15,665,250 | 400 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $117,439,000 | 359 |
| Total interest expense | $58,842,000 | 337 |
| Net interest income | $58,597,000 | 374 |
| Provision for loan and lease losses | $1,333,000 | 774 |
| Total noninterest income | $13,734,000 | 501 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,618,000 | 238 |
| Trading account gains and fees | $917,000 | 81 |
| Additional Noninterest Income | $6,199,000 | 575 |
| Total noninterest expense | $42,821,000 | 408 |
| Salaries and employee benefits | $25,000,000 | 321 |
| Premises and equipment expense | $7,536,000 | 327 |
| Additional noninterest expense | $10,285,000 | 595 |
| Pre-tax net operating income | $28,177,000 | 381 |
| Securities gains (losses) | $-710,000 | 10,127 |
| Applicable income taxes | $9,892,000 | 374 |
| Income before extraordinary items | $17,575,000 | 397 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $17,575,000 | 397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-259,000 | 10,152 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $11,482,000 | 59 |
| Net operating income | $18,029,400 | 386 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $95,478,000 | 422 |
| Total interest expense | $47,430,000 | 413 |
| Net interest income | $48,048,000 | 416 |
| Provision for loan and lease losses | $900,000 | 1,057 |
| Total noninterest income | $11,690,000 | 546 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $5,410,000 | 258 |
| Trading account gains and fees | $1,118,000 | 92 |
| Additional Noninterest Income | $5,162,000 | 627 |
| Total noninterest expense | $35,537,000 | 465 |
| Salaries and employee benefits | $18,604,000 | 403 |
| Premises and equipment expense | $6,799,000 | 341 |
| Additional noninterest expense | $10,134,000 | 584 |
| Pre-tax net operating income | $23,301,000 | 391 |
| Securities gains (losses) | $903,000 | 410 |
| Applicable income taxes | $9,469,000 | 357 |
| Income before extraordinary items | $14,735,000 | 424 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $14,735,000 | 424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-272,000 | 10,381 |
| Cash dividends | $13,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $14,157,080 | 417 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $79,897,000 | 476 |
| Total interest expense | $36,887,000 | 504 |
| Net interest income | $43,010,000 | 461 |
| Provision for loan and lease losses | $900,000 | 1,074 |
| Total noninterest income | $9,659,000 | 590 |
| Gross Fiduciary activities income | $1,000 | 1,427 |
| Service charges on deposit accounts | $4,830,000 | 291 |
| Trading account gains and fees | $591,000 | 104 |
| Additional Noninterest Income | $4,237,000 | 689 |
| Total noninterest expense | $31,169,000 | 509 |
| Salaries and employee benefits | $16,649,000 | 420 |
| Premises and equipment expense | $5,349,000 | 409 |
| Additional noninterest expense | $9,171,000 | 624 |
| Pre-tax net operating income | $20,600,000 | 444 |
| Securities gains (losses) | $-319,000 | 10,859 |
| Applicable income taxes | $7,535,000 | 450 |
| Income before extraordinary items | $12,746,000 | 486 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $12,746,000 | 487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,525 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $12,950,160 | 458 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $66,240,000 | 595 |
| Total interest expense | $30,452,000 | 608 |
| Net interest income | $35,788,000 | 568 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $10,554,000 | 567 |
| Gross Fiduciary activities income | $11,000 | 1,397 |
| Service charges on deposit accounts | $4,583,000 | 335 |
| Trading account gains and fees | $1,043,000 | 98 |
| Additional Noninterest Income | $4,917,000 | 655 |
| Total noninterest expense | $30,717,000 | 553 |
| Salaries and employee benefits | $15,323,000 | 476 |
| Premises and equipment expense | $5,389,000 | 443 |
| Additional noninterest expense | $10,005,000 | 674 |
| Pre-tax net operating income | $15,025,000 | 559 |
| Securities gains (losses) | $-69,000 | 11,122 |
| Applicable income taxes | $-1,896,000 | 11,411 |
| Income before extraordinary items | $16,852,000 | 389 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $16,852,000 | 390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,501,000 | 689 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $16,921,000 | 382 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $65,395,000 | 619 |
| Total interest expense | $33,250,000 | 600 |
| Net interest income | $32,145,000 | 639 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $9,368,000 | 626 |
| Gross Fiduciary activities income | $17,000 | 1,428 |
| Service charges on deposit accounts | $4,089,000 | 391 |
| Trading account gains and fees | $444,000 | 187 |
| Additional Noninterest Income | $4,818,000 | 674 |
| Total noninterest expense | $29,860,000 | 581 |
| Salaries and employee benefits | $15,029,000 | 493 |
| Premises and equipment expense | $5,005,000 | 488 |
| Additional noninterest expense | $9,826,000 | 695 |
| Pre-tax net operating income | $11,053,000 | 771 |
| Securities gains (losses) | $-202,000 | 11,679 |
| Applicable income taxes | $-1,442,000 | 11,923 |
| Income before extraordinary items | $12,293,000 | 513 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $12,293,000 | 513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,321,000 | 295 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $12,495,000 | 503 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $56,377,000 | 635 |
| Total interest expense | $25,902,000 | 586 |
| Net interest income | $30,475,000 | 661 |
| Provision for loan and lease losses | $1,150,000 | 846 |
| Total noninterest income | $7,497,000 | 713 |
| Gross Fiduciary activities income | $91,000 | 1,198 |
| Service charges on deposit accounts | $3,217,000 | 454 |
| Trading account gains and fees | $247,000 | 176 |
| Additional Noninterest Income | $3,942,000 | 742 |
| Total noninterest expense | $32,339,000 | 550 |
| Salaries and employee benefits | $14,916,000 | 498 |
| Premises and equipment expense | $4,980,000 | 486 |
| Additional noninterest expense | $12,443,000 | 589 |
| Pre-tax net operating income | $4,483,000 | 1,602 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $-1,521,000 | 12,540 |
| Income before extraordinary items | $6,015,000 | 869 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,015,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,551,000 | 671 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,004,000 | 875 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $51,202,000 | 679 |
| Total interest expense | $23,966,000 | 616 |
| Net interest income | $27,236,000 | 715 |
| Provision for loan and lease losses | $4,800,000 | 452 |
| Total noninterest income | $10,332,000 | 591 |
| Gross Fiduciary activities income | $50,000 | 1,337 |
| Service charges on deposit accounts | $2,963,000 | 483 |
| Trading account gains and fees | $255,000 | 211 |
| Additional Noninterest Income | $7,064,000 | 533 |
| Total noninterest expense | $33,833,000 | 556 |
| Salaries and employee benefits | $14,320,000 | 525 |
| Premises and equipment expense | $5,793,000 | 445 |
| Additional noninterest expense | $13,720,000 | 615 |
| Pre-tax net operating income | $-1,065,000 | 12,987 |
| Securities gains (losses) | $2,208,000 | 290 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $1,143,000 | 4,198 |
| Extraordinary gains, net | $714,000 | 319 |
| Net income | $1,858,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,709,000 | 307 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,083 |
| Net operating income | $-1,065,000 | 12,966 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $59,845,000 | 666 |
| Total interest expense | $29,438,000 | 653 |
| Net interest income | $30,407,000 | 669 |
| Provision for loan and lease losses | $18,150,000 | 226 |
| Total noninterest income | $7,196,000 | 747 |
| Gross Fiduciary activities income | $62,000 | 1,337 |
| Service charges on deposit accounts | $3,295,000 | 449 |
| Trading account gains and fees | $-18,000 | 5,222 |
| Additional Noninterest Income | $3,857,000 | 806 |
| Total noninterest expense | $38,592,000 | 494 |
| Salaries and employee benefits | $15,763,000 | 471 |
| Premises and equipment expense | $5,918,000 | 449 |
| Additional noninterest expense | $16,911,000 | 526 |
| Pre-tax net operating income | $-19,139,000 | 13,916 |
| Securities gains (losses) | $607,000 | 924 |
| Applicable income taxes | $333,000 | 5,545 |
| Income before extraordinary items | $-18,865,000 | 13,897 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-18,865,000 | 13,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,572,000 | 288 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $39,979,000 | 35 |
| Net operating income | $-19,472,000 | 13,885 |
* 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.