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Chemical Bank Thumb Area, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,529,000 | 2,992 |
| Total interest expense | $5,175,000 | 3,209 |
| Net interest income | $6,354,000 | 2,794 |
| Provision for loan and lease losses | $52,000 | 6,478 |
| Total noninterest income | $710,000 | 3,960 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $465,000 | 2,889 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $245,000 | 4,340 |
| Total noninterest expense | $4,255,000 | 3,164 |
| Salaries and employee benefits | $2,541,000 | 2,792 |
| Premises and equipment expense | $624,000 | 3,155 |
| Additional noninterest expense | $1,090,000 | 3,717 |
| Pre-tax net operating income | $2,757,000 | 2,561 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $779,000 | 2,568 |
| Income before extraordinary items | $1,980,000 | 2,598 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,980,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $3,910,000 | 775 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,978,560 | 2,593 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,182,000 | 2,892 |
| Total interest expense | $4,634,000 | 3,134 |
| Net interest income | $6,548,000 | 2,683 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $652,000 | 4,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $432,000 | 3,004 |
| Trading account gains and fees | $2,000 | 166 |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $4,234,000 | 3,145 |
| Salaries and employee benefits | $2,494,000 | 2,811 |
| Premises and equipment expense | $625,000 | 3,142 |
| Additional noninterest expense | $1,115,000 | 3,675 |
| Pre-tax net operating income | $2,886,000 | 2,497 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $826,000 | 2,579 |
| Income before extraordinary items | $2,062,000 | 2,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,062,000 | 2,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $5,356,000 | 615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,060,580 | 2,477 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,373,000 | 2,834 |
| Total interest expense | $4,966,000 | 3,013 |
| Net interest income | $6,407,000 | 2,680 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $612,000 | 4,324 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $407,000 | 3,087 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $205,000 | 4,897 |
| Total noninterest expense | $4,216,000 | 3,083 |
| Salaries and employee benefits | $2,505,000 | 2,712 |
| Premises and equipment expense | $607,000 | 3,130 |
| Additional noninterest expense | $1,104,000 | 3,611 |
| Pre-tax net operating income | $2,728,000 | 2,585 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $790,000 | 2,770 |
| Income before extraordinary items | $1,938,000 | 2,627 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,938,000 | 2,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $892,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,938,000 | 2,548 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,400,000 | 2,869 |
| Total interest expense | $5,147,000 | 2,904 |
| Net interest income | $6,253,000 | 2,792 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $778,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $439,000 | 2,963 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $339,000 | 3,653 |
| Total noninterest expense | $4,294,000 | 2,968 |
| Salaries and employee benefits | $2,481,000 | 2,668 |
| Premises and equipment expense | $594,000 | 3,184 |
| Additional noninterest expense | $1,219,000 | 3,311 |
| Pre-tax net operating income | $2,677,000 | 2,750 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $767,000 | 3,022 |
| Income before extraordinary items | $1,910,000 | 2,693 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,910,000 | 2,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $924,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,910,000 | 2,644 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,421,000 | 3,839 |
| Total interest expense | $3,604,000 | 4,078 |
| Net interest income | $4,817,000 | 3,666 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $507,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $307,000 | 4,155 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $200,000 | 5,158 |
| Total noninterest expense | $3,473,000 | 3,797 |
| Salaries and employee benefits | $1,867,000 | 3,555 |
| Premises and equipment expense | $452,000 | 4,097 |
| Additional noninterest expense | $1,154,000 | 3,907 |
| Pre-tax net operating income | $1,796,000 | 3,733 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $557,000 | 3,802 |
| Income before extraordinary items | $1,239,000 | 3,773 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,239,000 | 3,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,399 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,239,000 | 3,725 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,065,000 | 6,911 |
| Total interest expense | $1,482,000 | 7,749 |
| Net interest income | $2,583,000 | 6,161 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $181,000 | 8,745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,762 |
| Total noninterest expense | $1,791,000 | 6,484 |
| Salaries and employee benefits | $1,039,000 | 5,860 |
| Premises and equipment expense | $206,000 | 7,074 |
| Additional noninterest expense | $546,000 | 6,903 |
| Pre-tax net operating income | $961,000 | 6,149 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $204,000 | 7,346 |
| Income before extraordinary items | $757,000 | 5,672 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $757,000 | 5,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $757,000 | 5,653 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,099,000 | 6,577 |
| Total interest expense | $1,426,000 | 7,116 |
| Net interest income | $2,673,000 | 6,140 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $212,000 | 8,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $1,717,000 | 6,937 |
| Salaries and employee benefits | $981,000 | 6,180 |
| Premises and equipment expense | $234,000 | 6,793 |
| Additional noninterest expense | $502,000 | 7,837 |
| Pre-tax net operating income | $1,149,000 | 5,399 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $304,000 | 5,828 |
| Income before extraordinary items | $847,000 | 5,137 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $847,000 | 5,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $845,520 | 5,193 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,277,000 | 6,546 |
| Total interest expense | $1,637,000 | 6,775 |
| Net interest income | $2,640,000 | 6,274 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $231,000 | 8,688 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 7,116 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $1,725,000 | 7,115 |
| Salaries and employee benefits | $985,000 | 6,216 |
| Premises and equipment expense | $230,000 | 7,093 |
| Additional noninterest expense | $510,000 | 8,110 |
| Pre-tax net operating income | $1,131,000 | 5,407 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $247,000 | 6,851 |
| Income before extraordinary items | $901,000 | 5,090 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $901,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $887,740 | 4,928 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 6,686 |
| Total interest expense | $1,993,000 | 7,123 |
| Net interest income | $2,696,000 | 6,218 |
| Provision for loan and lease losses | $49,000 | 9,137 |
| Total noninterest income | $211,000 | 9,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $1,687,000 | 7,293 |
| Salaries and employee benefits | $974,000 | 6,173 |
| Premises and equipment expense | $211,000 | 7,601 |
| Additional noninterest expense | $502,000 | 8,439 |
| Pre-tax net operating income | $1,171,000 | 5,014 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $229,000 | 7,010 |
| Income before extraordinary items | $952,000 | 4,708 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $952,000 | 4,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 6,907 |
| Cash dividends | $380,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $943,900 | 4,415 |
* 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.