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Collective Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $358,257,000 | 160 |
| Total interest expense | $212,349,000 | 135 |
| Net interest income | $145,908,000 | 188 |
| Provision for loan and lease losses | $3,566,000 | 392 |
| Total noninterest income | $25,255,000 | 303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $25,255,000 | 232 |
| Total noninterest expense | $72,716,000 | 265 |
| Salaries and employee benefits | $31,083,000 | 234 |
| Premises and equipment expense | $16,094,000 | 180 |
| Additional noninterest expense | $25,539,000 | 290 |
| Pre-tax net operating income | $94,881,000 | 155 |
| Securities gains (losses) | $956,000 | 289 |
| Applicable income taxes | $34,911,000 | 154 |
| Income before extraordinary items | $60,926,000 | 163 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $60,926,000 | 163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,591,000 | 270 |
| Cash dividends | $26,897,000 | 184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $60,314,160 | 161 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $354,479,000 | 174 |
| Total interest expense | $213,609,000 | 147 |
| Net interest income | $140,870,000 | 211 |
| Provision for loan and lease losses | $2,869,000 | 474 |
| Total noninterest income | $22,285,000 | 363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $22,285,000 | 277 |
| Total noninterest expense | $86,132,000 | 275 |
| Salaries and employee benefits | $28,868,000 | 285 |
| Premises and equipment expense | $15,265,000 | 211 |
| Additional noninterest expense | $41,999,000 | 268 |
| Pre-tax net operating income | $74,154,000 | 192 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $25,944,000 | 190 |
| Income before extraordinary items | $48,222,000 | 195 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $48,222,000 | 195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,611,000 | 352 |
| Cash dividends | $42,500,000 | 156 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $48,214,200 | 190 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $348,006,000 | 181 |
| Total interest expense | $217,596,000 | 143 |
| Net interest income | $130,410,000 | 226 |
| Provision for loan and lease losses | $690,000 | 1,238 |
| Total noninterest income | $18,352,000 | 426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $18,352,000 | 299 |
| Total noninterest expense | $67,948,000 | 321 |
| Salaries and employee benefits | $27,926,000 | 314 |
| Premises and equipment expense | $15,432,000 | 208 |
| Additional noninterest expense | $24,590,000 | 376 |
| Pre-tax net operating income | $80,124,000 | 185 |
| Securities gains (losses) | $1,675,000 | 157 |
| Applicable income taxes | $28,396,000 | 177 |
| Income before extraordinary items | $53,403,000 | 185 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $53,403,000 | 184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,394,000 | 411 |
| Cash dividends | $4,000,000 | 748 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $52,314,250 | 187 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $304,283,000 | 177 |
| Total interest expense | $156,174,000 | 147 |
| Net interest income | $148,109,000 | 201 |
| Provision for loan and lease losses | $1,573,000 | 681 |
| Total noninterest income | $15,943,000 | 430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $15,943,000 | 326 |
| Total noninterest expense | $63,153,000 | 343 |
| Salaries and employee benefits | $25,660,000 | 335 |
| Premises and equipment expense | $13,939,000 | 222 |
| Additional noninterest expense | $23,554,000 | 396 |
| Pre-tax net operating income | $99,326,000 | 141 |
| Securities gains (losses) | $-5,358,000 | 12,555 |
| Applicable income taxes | $32,598,000 | 146 |
| Income before extraordinary items | $61,370,000 | 157 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $61,370,000 | 157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,578,000 | 313 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $64,852,700 | 151 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $233,395,000 | 206 |
| Total interest expense | $105,430,000 | 189 |
| Net interest income | $127,965,000 | 216 |
| Provision for loan and lease losses | $841,000 | 1,466 |
| Total noninterest income | $14,051,000 | 483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $14,051,000 | 348 |
| Total noninterest expense | $55,860,000 | 376 |
| Salaries and employee benefits | $21,857,000 | 365 |
| Premises and equipment expense | $11,957,000 | 245 |
| Additional noninterest expense | $22,046,000 | 433 |
| Pre-tax net operating income | $85,315,000 | 140 |
| Securities gains (losses) | $3,430,000 | 213 |
| Applicable income taxes | $31,434,000 | 126 |
| Income before extraordinary items | $57,311,000 | 153 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $57,311,000 | 152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,660,000 | 499 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $57,888,000 | 27 |
| Net operating income | $55,081,500 | 153 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $203,283,000 | 255 |
| Total interest expense | $109,353,000 | 230 |
| Net interest income | $93,930,000 | 271 |
| Provision for loan and lease losses | $2,931,000 | 850 |
| Total noninterest income | $10,184,000 | 591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $10,184,000 | 436 |
| Total noninterest expense | $50,048,000 | 410 |
| Salaries and employee benefits | $17,076,000 | 436 |
| Premises and equipment expense | $9,587,000 | 303 |
| Additional noninterest expense | $23,385,000 | 413 |
| Pre-tax net operating income | $51,135,000 | 163 |
| Securities gains (losses) | $10,062,000 | 109 |
| Applicable income taxes | $23,090,000 | 128 |
| Income before extraordinary items | $38,107,000 | 167 |
| Extraordinary gains, net | $2,642,000 | 59 |
| Net income | $40,749,000 | 163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,424,000 | 1,242 |
| Cash dividends | $4,218,000 | 435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $31,667,320 | 174 |
* 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.