BestBank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,221,000 | 2,680 |
| Total interest expense | $5,585,000 | 2,670 |
| Net interest income | $6,636,000 | 2,620 |
| Provision for loan and lease losses | $340,000 | 2,366 |
| Total noninterest income | $15,446,000 | 419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,292,000 | 311 |
| Total noninterest expense | $10,955,000 | 1,209 |
| Salaries and employee benefits | $8,496,000 | 800 |
| Premises and equipment expense | $334,000 | 5,078 |
| Additional noninterest expense | $2,125,000 | 1,989 |
| Pre-tax net operating income | $10,787,000 | 764 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,034,000 | 717 |
| Income before extraordinary items | $6,753,000 | 822 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,753,000 | 825 |
| 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 | $3,750,000 | 262 |
| Net operating income | $6,753,000 | 805 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,471,000 | 6,433 |
| Total interest expense | $1,759,000 | 6,940 |
| Net interest income | $2,712,000 | 5,855 |
| Provision for loan and lease losses | $539,000 | 1,649 |
| Total noninterest income | $5,498,000 | 888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,402 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,469,000 | 611 |
| Total noninterest expense | $5,403,000 | 2,525 |
| Salaries and employee benefits | $2,852,000 | 2,337 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $2,294,000 | 2,178 |
| Pre-tax net operating income | $2,268,000 | 3,072 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $849,000 | 2,701 |
| Income before extraordinary items | $1,419,000 | 3,365 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,419,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 2,267 |
| Cash dividends | $227,000 | 5,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,419,000 | 3,322 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 9,214 |
| Total interest expense | $859,000 | 9,766 |
| Net interest income | $1,471,000 | 8,618 |
| Provision for loan and lease losses | $723,000 | 1,195 |
| Total noninterest income | $3,393,000 | 1,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 9,016 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,336,000 | 837 |
| Total noninterest expense | $2,716,000 | 4,652 |
| Salaries and employee benefits | $1,441,000 | 4,441 |
| Premises and equipment expense | $19,000 | 11,813 |
| Additional noninterest expense | $1,256,000 | 3,598 |
| Pre-tax net operating income | $1,425,000 | 4,635 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $531,000 | 4,004 |
| Income before extraordinary items | $894,000 | 5,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $894,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 1,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $894,000 | 5,004 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 11,502 |
| Total interest expense | $335,000 | 11,886 |
| Net interest income | $780,000 | 11,117 |
| Provision for loan and lease losses | $51,000 | 6,050 |
| Total noninterest income | $2,140,000 | 1,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,033,000 | 1,116 |
| Total noninterest expense | $2,023,000 | 6,139 |
| Salaries and employee benefits | $888,000 | 6,717 |
| Premises and equipment expense | $89,000 | 10,376 |
| Additional noninterest expense | $1,046,000 | 4,538 |
| Pre-tax net operating income | $846,000 | 6,648 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $295,000 | 5,938 |
| Income before extraordinary items | $551,000 | 6,902 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $551,000 | 6,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,864 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $551,000 | 6,961 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $805,000 | 12,669 |
| Total interest expense | $245,000 | 12,852 |
| Net interest income | $560,000 | 12,364 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $863,000 | 3,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,409 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $823,000 | 2,348 |
| Total noninterest expense | $1,393,000 | 8,214 |
| Salaries and employee benefits | $426,000 | 10,375 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $884,000 | 5,456 |
| Pre-tax net operating income | $5,000 | 12,374 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $4,000 | 12,504 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,000 | 12,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,873 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,000 | 12,371 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $822,000 | 13,318 |
| Total interest expense | $268,000 | 13,561 |
| Net interest income | $554,000 | 12,896 |
| Provision for loan and lease losses | $565,000 | 2,749 |
| Total noninterest income | $1,221,000 | 2,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,168,000 | 1,799 |
| Total noninterest expense | $1,100,000 | 9,511 |
| Salaries and employee benefits | $231,000 | 12,820 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $787,000 | 6,150 |
| Pre-tax net operating income | $110,000 | 11,917 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $22,000 | 12,047 |
| Income before extraordinary items | $88,000 | 12,104 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $88,000 | 12,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 4,385 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $88,000 | 11,803 |
* 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.