Home > Capital One, F.S.B. > Income and Expense

Capital One, F.S.B., Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$866,701,000	56
Total interest expense	$314,167,000	75
Net interest income	$552,534,000	44
Provision for loan and lease losses	$264,715,000	15
Total noninterest income	$426,328,000	36
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$426,328,000	28
Total noninterest expense	$485,851,000	48
Salaries and employee benefits	$31,273,000	181
Premises and equipment expense	$8,569,000	181
Additional noninterest expense	$446,009,000	28
Pre-tax net operating income	$228,296,000	53
Securities gains (losses)	$61,634,000	8
Applicable income taxes	$102,925,000	47
Income before extraordinary items	$187,005,000	48
Extraordinary gains, net	$0	29
Net income	$187,005,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$243,598,000	18
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$146,942,900	53
2007-03-31 (YTD Data)		Rank
Total interest income	$430,157,000	55
Total interest expense	$155,377,000	73
Net interest income	$274,780,000	42
Provision for loan and lease losses	$128,866,000	14
Total noninterest income	$185,475,000	38
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$185,475,000	31
Total noninterest expense	$250,596,000	48
Salaries and employee benefits	$15,258,000	185
Premises and equipment expense	$3,787,000	198
Additional noninterest expense	$231,551,000	24
Pre-tax net operating income	$80,793,000	69
Securities gains (losses)	$32,957,000	9
Applicable income taxes	$41,041,000	52
Income before extraordinary items	$72,709,000	55
Extraordinary gains, net	$0	22
Net income	$72,709,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,987,000	18
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$51,616,520	71
2006-12-31 (YTD Data)		Rank
Total interest income	$1,587,219,000	58
Total interest expense	$582,692,000	67
Net interest income	$1,004,527,000	46
Provision for loan and lease losses	$327,730,000	18
Total noninterest income	$850,467,000	36
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$850,467,000	27
Total noninterest expense	$894,369,000	46
Salaries and employee benefits	$56,754,000	182
Premises and equipment expense	$19,248,000	149
Additional noninterest expense	$818,367,000	29
Pre-tax net operating income	$632,895,000	42
Securities gains (losses)	$81,090,000	8
Applicable income taxes	$260,248,000	40
Income before extraordinary items	$453,737,000	42
Extraordinary gains, net	$0	51
Net income	$453,737,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$380,783,000	19
Cash dividends	$225,000,000	50
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$401,839,400	44
2006-09-30 (YTD Data)		Rank
Total interest income	$1,155,962,000	64
Total interest expense	$424,652,000	72
Net interest income	$731,310,000	55
Provision for loan and lease losses	$197,900,000	19
Total noninterest income	$660,821,000	37
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$660,821,000	31
Total noninterest expense	$653,632,000	55
Salaries and employee benefits	$41,852,000	196
Premises and equipment expense	$14,483,000	158
Additional noninterest expense	$597,297,000	29
Pre-tax net operating income	$540,599,000	48
Securities gains (losses)	$66,180,000	9
Applicable income taxes	$221,232,000	43
Income before extraordinary items	$385,547,000	44
Extraordinary gains, net	$0	45
Net income	$385,547,000	45
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,543,000	19
Cash dividends	$225,000,000	49
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$343,191,800	49
2006-06-30 (YTD Data)		Rank
Total interest income	$730,953,000	66
Total interest expense	$270,389,000	76
Net interest income	$460,564,000	56
Provision for loan and lease losses	$142,008,000	18
Total noninterest income	$467,984,000	35
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$467,984,000	28
Total noninterest expense	$437,695,000	56
Salaries and employee benefits	$26,356,000	206
Premises and equipment expense	$9,409,000	165
Additional noninterest expense	$401,930,000	29
Pre-tax net operating income	$348,845,000	49
Securities gains (losses)	$40,857,000	8
Applicable income taxes	$141,735,000	44
Income before extraordinary items	$247,967,000	45
Extraordinary gains, net	$0	39
Net income	$247,967,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,697,000	17
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$221,818,520	49
2006-03-31 (YTD Data)		Rank
Total interest income	$353,134,000	65
Total interest expense	$130,047,000	74
Net interest income	$223,087,000	57
Provision for loan and lease losses	$49,013,000	18
Total noninterest income	$256,386,000	32
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$256,386,000	24
Total noninterest expense	$209,632,000	57
Salaries and employee benefits	$11,687,000	226
Premises and equipment expense	$4,488,000	169
Additional noninterest expense	$193,457,000	28
Pre-tax net operating income	$220,828,000	42
Securities gains (losses)	$17,387,000	10
Applicable income taxes	$85,281,000	38
Income before extraordinary items	$152,934,000	42
Extraordinary gains, net	$0	21
Net income	$152,934,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,788,000	15
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$141,806,320	43
2005-12-31 (YTD Data)		Rank
Total interest income	$1,263,234,000	60
Total interest expense	$484,954,000	60
Net interest income	$778,280,000	58
Provision for loan and lease losses	$389,124,000	15
Total noninterest income	$935,395,000	36
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$935,395,000	29
Total noninterest expense	$781,738,000	53
Salaries and employee benefits	$33,731,000	287
Premises and equipment expense	$13,483,000	204
Additional noninterest expense	$734,524,000	28
Pre-tax net operating income	$542,813,000	54
Securities gains (losses)	$56,998,000	17
Applicable income taxes	$216,232,000	50
Income before extraordinary items	$383,579,000	53
Extraordinary gains, net	$0	46
Net income	$383,579,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$558,858,000	14
Cash dividends	$195,001,000	60
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$347,100,280	56
2005-09-30 (YTD Data)		Rank
Total interest income	$940,924,000	59
Total interest expense	$359,529,000	58
Net interest income	$581,395,000	58
Provision for loan and lease losses	$290,618,000	16
Total noninterest income	$730,107,000	34
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$730,107,000	28
Total noninterest expense	$574,586,000	54
Salaries and employee benefits	$22,144,000	326
Premises and equipment expense	$9,061,000	227
Additional noninterest expense	$543,381,000	28
Pre-tax net operating income	$446,298,000	54
Securities gains (losses)	$41,173,000	22
Applicable income taxes	$174,515,000	49
Income before extraordinary items	$312,956,000	52
Extraordinary gains, net	$0	35
Net income	$312,956,000	52
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$414,261,000	14
Cash dividends	$65,000,000	86
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$286,605,280	55
2005-06-30 (YTD Data)		Rank
Total interest income	$618,257,000	57
Total interest expense	$235,481,000	55
Net interest income	$382,776,000	57
Provision for loan and lease losses	$197,680,000	13
Total noninterest income	$491,496,000	34
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$491,496,000	26
Total noninterest expense	$374,618,000	54
Salaries and employee benefits	$11,209,000	419
Premises and equipment expense	$6,504,000	207
Additional noninterest expense	$356,905,000	28
Pre-tax net operating income	$301,974,000	54
Securities gains (losses)	$20,305,000	23
Applicable income taxes	$115,376,000	50
Income before extraordinary items	$206,903,000	50
Extraordinary gains, net	$0	30
Net income	$206,903,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$289,031,000	13
Cash dividends	$65,000,000	59
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$193,907,800	53
2005-03-31 (YTD Data)		Rank
Total interest income	$313,038,000	55
Total interest expense	$115,180,000	49
Net interest income	$197,858,000	58
Provision for loan and lease losses	$71,797,000	15
Total noninterest income	$237,471,000	37
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$237,471,000	28
Total noninterest expense	$176,681,000	56
Salaries and employee benefits	$3,554,000	622
Premises and equipment expense	$3,199,000	215
Additional noninterest expense	$169,928,000	31
Pre-tax net operating income	$186,851,000	44
Securities gains (losses)	$4,884,000	37
Applicable income taxes	$67,107,000	41
Income before extraordinary items	$124,628,000	43
Extraordinary gains, net	$0	24
Net income	$124,628,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,146,000	12
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$121,453,400	43
2004-12-31 (YTD Data)		Rank
Total interest income	$1,167,499,000	53
Total interest expense	$472,585,000	41
Net interest income	$694,914,000	60
Provision for loan and lease losses	$365,335,000	17
Total noninterest income	$896,267,000	39
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,045,000	8,971
Additional Noninterest Income	$908,312,000	30
Total noninterest expense	$772,218,000	52
Salaries and employee benefits	$16,756,000	528
Premises and equipment expense	$6,517,000	369
Additional noninterest expense	$748,945,000	28
Pre-tax net operating income	$453,628,000	64
Securities gains (losses)	$14,896,000	52
Applicable income taxes	$162,109,000	63
Income before extraordinary items	$306,415,000	66
Extraordinary gains, net	$0	34
Net income	$306,415,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$650,884,000	12
Cash dividends	$75,000,000	105
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$296,732,600	65
2004-09-30 (YTD Data)		Rank
Total interest income	$873,415,000	55
Total interest expense	$353,352,000	38
Net interest income	$520,063,000	63
Provision for loan and lease losses	$263,542,000	17
Total noninterest income	$683,988,000	40
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-7,219,000	9,016
Additional Noninterest Income	$691,207,000	32
Total noninterest expense	$554,531,000	54
Salaries and employee benefits	$12,811,000	518
Premises and equipment expense	$5,484,000	325
Additional noninterest expense	$536,236,000	29
Pre-tax net operating income	$385,978,000	61
Securities gains (losses)	$8,458,000	67
Applicable income taxes	$138,447,000	58
Income before extraordinary items	$255,989,000	64
Extraordinary gains, net	$0	26
Net income	$255,989,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$508,494,000	11
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$250,491,300	62
2004-06-30 (YTD Data)		Rank
Total interest income	$572,411,000	57
Total interest expense	$233,400,000	36
Net interest income	$339,011,000	66
Provision for loan and lease losses	$189,093,000	16
Total noninterest income	$450,743,000	40
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-4,471,000	9,069
Additional Noninterest Income	$455,214,000	32
Total noninterest expense	$365,858,000	57
Salaries and employee benefits	$8,689,000	514
Premises and equipment expense	$5,470,000	245
Additional noninterest expense	$351,699,000	28
Pre-tax net operating income	$234,803,000	66
Securities gains (losses)	$4,340,000	95
Applicable income taxes	$86,283,000	65
Income before extraordinary items	$152,860,000	68
Extraordinary gains, net	$0	21
Net income	$152,860,000	68
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$366,046,000	11
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$150,082,400	70
2004-03-31 (YTD Data)		Rank
Total interest income	$291,975,000	54
Total interest expense	$115,244,000	36
Net interest income	$176,731,000	64
Provision for loan and lease losses	$82,151,000	17
Total noninterest income	$234,667,000	39
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-1,146,000	9,102
Additional Noninterest Income	$235,813,000	32
Total noninterest expense	$187,142,000	59
Salaries and employee benefits	$4,457,000	503
Premises and equipment expense	$2,525,000	268
Additional noninterest expense	$180,160,000	28
Pre-tax net operating income	$142,105,000	53
Securities gains (losses)	$2,197,000	110
Applicable income taxes	$52,237,000	55
Income before extraordinary items	$92,065,000	60
Extraordinary gains, net	$0	16
Net income	$92,065,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$196,986,000	12
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$90,658,920	58
2003-12-31 (YTD Data)		Rank
Total interest income	$1,171,301,000	53
Total interest expense	$474,262,000	39
Net interest income	$697,039,000	60
Provision for loan and lease losses	$572,121,000	15
Total noninterest income	$980,442,000	40
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-4,198,000	9,173
Additional Noninterest Income	$984,640,000	33
Total noninterest expense	$729,555,000	56
Salaries and employee benefits	$11,989,000	714
Premises and equipment expense	$836,000	2,650
Additional noninterest expense	$716,730,000	29
Pre-tax net operating income	$375,805,000	73
Securities gains (losses)	$3,412,000	204
Applicable income taxes	$140,310,000	73
Income before extraordinary items	$238,907,000	77
Extraordinary gains, net	$0	54
Net income	$238,907,000	77
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$978,491,000	13
Cash dividends	$100,000,000	88
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$236,723,320	76
2003-09-30 (YTD Data)		Rank
Total interest income	$885,011,000	52
Total interest expense	$358,352,000	38
Net interest income	$526,659,000	58
Provision for loan and lease losses	$455,294,000	14
Total noninterest income	$728,512,000	41
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,905,000	9,229
Additional Noninterest Income	$741,417,000	32
Total noninterest expense	$540,456,000	56
Salaries and employee benefits	$8,146,000	791
Premises and equipment expense	$790,000	2,168
Additional noninterest expense	$531,520,000	29
Pre-tax net operating income	$259,421,000	74
Securities gains (losses)	$8,101,000	119
Applicable income taxes	$98,983,000	73
Income before extraordinary items	$168,539,000	75
Extraordinary gains, net	$0	40
Net income	$168,539,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$748,127,000	12
Cash dividends	$100,000,000	69
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$163,354,360	76
2003-06-30 (YTD Data)		Rank
Total interest income	$601,164,000	52
Total interest expense	$238,091,000	42
Net interest income	$363,073,000	57
Provision for loan and lease losses	$334,276,000	14
Total noninterest income	$506,469,000	38
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-3,169,000	9,260
Additional Noninterest Income	$509,638,000	28
Total noninterest expense	$366,831,000	55
Salaries and employee benefits	$5,329,000	809
Premises and equipment expense	$256,000	3,972
Additional noninterest expense	$361,246,000	25
Pre-tax net operating income	$168,435,000	73
Securities gains (losses)	$8,306,000	101
Applicable income taxes	$65,394,000	70
Income before extraordinary items	$111,347,000	79
Extraordinary gains, net	$0	30
Net income	$111,347,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$524,876,000	12
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$106,031,160	76
2003-03-31 (YTD Data)		Rank
Total interest income	$308,915,000	50
Total interest expense	$118,063,000	44
Net interest income	$190,852,000	56
Provision for loan and lease losses	$175,725,000	14
Total noninterest income	$276,378,000	34
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$10,580,000	26
Additional Noninterest Income	$265,798,000	27
Total noninterest expense	$187,649,000	54
Salaries and employee benefits	$2,495,000	861
Premises and equipment expense	$147,000	3,538
Additional noninterest expense	$185,007,000	24
Pre-tax net operating income	$103,856,000	64
Securities gains (losses)	$8,241,000	56
Applicable income taxes	$41,476,000	62
Income before extraordinary items	$70,621,000	68
Extraordinary gains, net	$0	21
Net income	$70,621,000	68
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$273,434,000	12
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$65,346,760	68
2002-12-31 (YTD Data)		Rank
Total interest income	$1,076,369,000	57
Total interest expense	$489,451,000	52
Net interest income	$586,918,000	63
Provision for loan and lease losses	$836,941,000	16
Total noninterest income	$974,706,000	37
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$974,706,000	30
Total noninterest expense	$778,624,000	51
Salaries and employee benefits	$1,988,000	3,756
Premises and equipment expense	$805,000	2,671
Additional noninterest expense	$775,831,000	24
Pre-tax net operating income	$-53,941,000	9,359
Securities gains (losses)	$21,570,000	59
Applicable income taxes	$-12,301,000	9,346
Income before extraordinary items	$-20,070,000	9,346
Extraordinary gains, net	$0	70
Net income	$-20,070,000	9,344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$441,135,000	20
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-33,874,800	9,343
2001-12-31 (YTD Data)		Rank
Total interest income	$635,573,000	105
Total interest expense	$348,448,000	94
Net interest income	$287,125,000	110
Provision for loan and lease losses	$308,250,000	28
Total noninterest income	$667,570,000	46
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$667,570,000	35
Total noninterest expense	$638,944,000	61
Salaries and employee benefits	$0	9,594
Premises and equipment expense	$1,655,000	1,295
Additional noninterest expense	$637,289,000	32
Pre-tax net operating income	$7,501,000	997
Securities gains (losses)	$7,986,000	106
Applicable income taxes	$5,885,000	488
Income before extraordinary items	$9,602,000	589
Extraordinary gains, net	$0	105
Net income	$9,602,000	592
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$194,344,000	36
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,490,960	1,169
2000-12-31 (YTD Data)		Rank
Total interest income	$367,918,000	165
Total interest expense	$204,806,000	164
Net interest income	$163,112,000	172
Provision for loan and lease losses	$118,489,000	53
Total noninterest income	$286,480,000	86
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$286,480,000	64
Total noninterest expense	$272,771,000	120
Salaries and employee benefits	$0	9,881
Premises and equipment expense	$7,000	9,847
Additional noninterest expense	$272,764,000	70
Pre-tax net operating income	$58,332,000	205
Securities gains (losses)	$-582,000	9,718
Applicable income taxes	$21,945,000	188
Income before extraordinary items	$35,805,000	219
Extraordinary gains, net	$0	38
Net income	$35,805,000	219
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,359,000	53
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$36,177,480	219
1999-12-31 (YTD Data)		Rank
Total interest income	$201,040,000	229
Total interest expense	$104,315,000	221
Net interest income	$96,725,000	239
Provision for loan and lease losses	$34,856,000	97
Total noninterest income	$102,672,000	161
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$102,672,000	124
Total noninterest expense	$101,885,000	218
Salaries and employee benefits	$0	10,208
Premises and equipment expense	$11,000	10,148
Additional noninterest expense	$101,874,000	136
Pre-tax net operating income	$62,656,000	212
Securities gains (losses)	$60,000	923
Applicable income taxes	$23,832,000	204
Income before extraordinary items	$38,884,000	229
Extraordinary gains, net	$0	35
Net income	$38,884,000	230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,856,000	92
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$38,845,600	222
1998-12-31 (YTD Data)		Rank
Total interest income	$108,652,000	369
Total interest expense	$50,616,000	386
Net interest income	$58,036,000	360
Provision for loan and lease losses	$12,083,000	201
Total noninterest income	$42,323,000	251
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$42,323,000	195
Total noninterest expense	$44,820,000	391
Salaries and employee benefits	$231,000	9,964
Premises and equipment expense	$255,000	5,896
Additional noninterest expense	$44,334,000	233
Pre-tax net operating income	$43,456,000	246
Securities gains (losses)	$-485,000	10,441
Applicable income taxes	$16,329,000	242
Income before extraordinary items	$26,642,000	267
Extraordinary gains, net	$0	32
Net income	$26,642,000	268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,983,000	146
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$26,952,400	258
1997-12-31 (YTD Data)		Rank
Total interest income	$86,069,000	452
Total interest expense	$21,473,000	769
Net interest income	$64,596,000	324
Provision for loan and lease losses	$19,566,000	134
Total noninterest income	$78,405,000	166
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$78,405,000	125
Total noninterest expense	$62,636,000	284
Salaries and employee benefits	$234,000	10,375
Premises and equipment expense	$2,705,000	753
Additional noninterest expense	$59,697,000	186
Pre-tax net operating income	$60,799,000	204
Securities gains (losses)	$409,000	479
Applicable income taxes	$23,259,000	203
Income before extraordinary items	$37,949,000	216
Extraordinary gains, net	$0	44
Net income	$37,949,000	216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,566,000	129
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$37,687,240	210
1996-12-31 (YTD Data)		Rank
Total interest income	$33,939,000	1,032
Total interest expense	$7,954,000	1,974
Net interest income	$25,985,000	729
Provision for loan and lease losses	$19,040,000	144
Total noninterest income	$33,971,000	287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$33,971,000	208
Total noninterest expense	$27,207,000	606
Salaries and employee benefits	$228,000	10,854
Premises and equipment expense	$1,716,000	1,207
Additional noninterest expense	$25,263,000	367
Pre-tax net operating income	$13,709,000	605
Securities gains (losses)	$7,000	2,762
Applicable income taxes	$5,211,000	561
Income before extraordinary items	$8,505,000	664
Extraordinary gains, net	$0	53
Net income	$8,505,000	664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$940,000	939
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$25,000,000	24
Net operating income	$8,500,520	648

* 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.