BCH-USA, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $989,000 | 9,403 |
| Total interest expense | $268,000 | 9,572 |
| Net interest income | $721,000 | 9,062 |
| Provision for loan and lease losses | $-428,000 | 9,873 |
| Total noninterest income | $2,106,000 | 1,798 |
| Gross Fiduciary activities income | $25,000 | 1,132 |
| Service charges on deposit accounts | $9,000 | 8,434 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,072,000 | 1,103 |
| Total noninterest expense | $2,823,000 | 4,440 |
| Salaries and employee benefits | $218,000 | 9,576 |
| Premises and equipment expense | $160,000 | 7,430 |
| Additional noninterest expense | $2,445,000 | 1,812 |
| Pre-tax net operating income | $432,000 | 7,306 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $73,000 | 6,884 |
| Income before extraordinary items | $359,000 | 7,108 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $359,000 | 7,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,868 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-10,000,000 | 9,896 |
| Net operating income | $359,000 | 7,101 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,522,000 | 2,601 |
| Total interest expense | $6,000,000 | 2,461 |
| Net interest income | $6,522,000 | 2,697 |
| Provision for loan and lease losses | $-130,000 | 10,117 |
| Total noninterest income | $1,979,000 | 1,874 |
| Gross Fiduciary activities income | $709,000 | 542 |
| Service charges on deposit accounts | $90,000 | 6,921 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,180,000 | 1,669 |
| Total noninterest expense | $11,396,000 | 1,216 |
| Salaries and employee benefits | $4,430,000 | 1,565 |
| Premises and equipment expense | $4,311,000 | 521 |
| Additional noninterest expense | $2,655,000 | 1,679 |
| Pre-tax net operating income | $-2,765,000 | 10,176 |
| Securities gains (losses) | $-6,503,000 | 10,201 |
| Applicable income taxes | $-1,827,000 | 10,194 |
| Income before extraordinary items | $-7,441,000 | 10,208 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-7,441,000 | 10,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $845,000 | 800 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $-25,000,000 | 10,220 |
| Net operating income | $-2,238,600 | 10,158 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,440,000 | 1,376 |
| Total interest expense | $14,973,000 | 1,055 |
| Net interest income | $8,467,000 | 2,027 |
| Provision for loan and lease losses | $-1,200,000 | 10,426 |
| Total noninterest income | $1,411,000 | 2,373 |
| Gross Fiduciary activities income | $800,000 | 513 |
| Service charges on deposit accounts | $172,000 | 5,561 |
| Trading account gains and fees | $-949,000 | 4,453 |
| Additional Noninterest Income | $1,388,000 | 1,480 |
| Total noninterest expense | $9,315,000 | 1,414 |
| Salaries and employee benefits | $4,153,000 | 1,604 |
| Premises and equipment expense | $2,058,000 | 939 |
| Additional noninterest expense | $3,104,000 | 1,411 |
| Pre-tax net operating income | $1,763,000 | 3,699 |
| Securities gains (losses) | $-18,000 | 10,273 |
| Applicable income taxes | $982,000 | 2,346 |
| Income before extraordinary items | $763,000 | 5,350 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $763,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,121,000 | 10,445 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $774,520 | 5,192 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $25,650,000 | 1,306 |
| Total interest expense | $15,954,000 | 1,024 |
| Net interest income | $9,696,000 | 1,793 |
| Provision for loan and lease losses | $251,000 | 2,923 |
| Total noninterest income | $3,026,000 | 1,285 |
| Gross Fiduciary activities income | $727,000 | 552 |
| Service charges on deposit accounts | $231,000 | 4,903 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,068,000 | 1,077 |
| Total noninterest expense | $9,548,000 | 1,374 |
| Salaries and employee benefits | $4,336,000 | 1,499 |
| Premises and equipment expense | $1,542,000 | 1,273 |
| Additional noninterest expense | $3,670,000 | 1,205 |
| Pre-tax net operating income | $2,923,000 | 2,546 |
| Securities gains (losses) | $120,000 | 912 |
| Applicable income taxes | $1,602,000 | 1,614 |
| Income before extraordinary items | $1,441,000 | 3,469 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,441,000 | 3,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,373 |
| Cash dividends | $1,900,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,364,200 | 3,569 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,093,000 | 1,418 |
| Total interest expense | $14,323,000 | 1,148 |
| Net interest income | $9,770,000 | 1,820 |
| Provision for loan and lease losses | $2,018,000 | 613 |
| Total noninterest income | $2,779,000 | 1,440 |
| Gross Fiduciary activities income | $569,000 | 666 |
| Service charges on deposit accounts | $178,000 | 5,952 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,032,000 | 1,145 |
| Total noninterest expense | $8,915,000 | 1,585 |
| Salaries and employee benefits | $4,234,000 | 1,576 |
| Premises and equipment expense | $2,083,000 | 1,016 |
| Additional noninterest expense | $2,598,000 | 1,954 |
| Pre-tax net operating income | $1,616,000 | 4,092 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $765,000 | 2,962 |
| Income before extraordinary items | $862,000 | 5,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $862,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,579,000 | 493 |
| Cash dividends | $4,482,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $854,960 | 5,004 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,964,000 | 1,372 |
| Total interest expense | $14,047,000 | 1,185 |
| Net interest income | $10,917,000 | 1,638 |
| Provision for loan and lease losses | $557,000 | 1,448 |
| Total noninterest income | $2,161,000 | 1,724 |
| Gross Fiduciary activities income | $615,000 | 676 |
| Service charges on deposit accounts | $167,000 | 6,314 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,379,000 | 1,431 |
| Total noninterest expense | $8,322,000 | 1,690 |
| Salaries and employee benefits | $4,052,000 | 1,633 |
| Premises and equipment expense | $2,159,000 | 992 |
| Additional noninterest expense | $2,111,000 | 2,301 |
| Pre-tax net operating income | $4,199,000 | 1,763 |
| Securities gains (losses) | $105,000 | 938 |
| Applicable income taxes | $2,021,000 | 1,262 |
| Income before extraordinary items | $2,283,000 | 2,209 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,283,000 | 2,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,365 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,215,800 | 2,247 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,739,000 | 1,363 |
| Total interest expense | $11,868,000 | 1,108 |
| Net interest income | $10,871,000 | 1,661 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $2,465,000 | 1,579 |
| Gross Fiduciary activities income | $607,000 | 680 |
| Service charges on deposit accounts | $264,000 | 4,831 |
| Trading account gains and fees | $215,000 | 186 |
| Additional Noninterest Income | $1,379,000 | 1,472 |
| Total noninterest expense | $9,682,000 | 1,523 |
| Salaries and employee benefits | $4,738,000 | 1,426 |
| Premises and equipment expense | $2,341,000 | 916 |
| Additional noninterest expense | $2,603,000 | 2,072 |
| Pre-tax net operating income | $3,454,000 | 2,058 |
| Securities gains (losses) | $640,000 | 230 |
| Applicable income taxes | $1,895,000 | 1,259 |
| Income before extraordinary items | $2,199,000 | 2,227 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,199,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $866,000 | 955 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,789,400 | 2,719 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,866,000 | 1,590 |
| Total interest expense | $10,021,000 | 1,340 |
| Net interest income | $9,845,000 | 1,825 |
| Provision for loan and lease losses | $905,000 | 1,392 |
| Total noninterest income | $2,284,000 | 1,793 |
| Gross Fiduciary activities income | $461,000 | 795 |
| Service charges on deposit accounts | $533,000 | 2,606 |
| Trading account gains and fees | $196,000 | 229 |
| Additional Noninterest Income | $1,094,000 | 1,916 |
| Total noninterest expense | $9,642,000 | 1,573 |
| Salaries and employee benefits | $4,455,000 | 1,524 |
| Premises and equipment expense | $2,650,000 | 851 |
| Additional noninterest expense | $2,537,000 | 2,202 |
| Pre-tax net operating income | $1,582,000 | 4,118 |
| Securities gains (losses) | $1,292,000 | 438 |
| Applicable income taxes | $1,308,000 | 1,791 |
| Income before extraordinary items | $1,566,000 | 3,115 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,566,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 4,228 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $739,120 | 5,622 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,600,000 | 1,812 |
| Total interest expense | $10,928,000 | 1,596 |
| Net interest income | $8,672,000 | 2,103 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $1,845,000 | 2,047 |
| Gross Fiduciary activities income | $307,000 | 939 |
| Service charges on deposit accounts | $609,000 | 2,245 |
| Trading account gains and fees | $237,000 | 221 |
| Additional Noninterest Income | $692,000 | 2,565 |
| Total noninterest expense | $9,413,000 | 1,623 |
| Salaries and employee benefits | $4,198,000 | 1,586 |
| Premises and equipment expense | $2,643,000 | 895 |
| Additional noninterest expense | $2,572,000 | 2,267 |
| Pre-tax net operating income | $904,000 | 6,076 |
| Securities gains (losses) | $1,196,000 | 566 |
| Applicable income taxes | $513,000 | 3,924 |
| Income before extraordinary items | $1,587,000 | 2,902 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,587,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,335,000 | 1,294 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $678,040 | 5,708 |
* 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.