Home > Countrywide Bank, FSB > Income and Expense

Countrywide Bank, FSB, Income and Expense

2009-03-31 (YTD Data)Rank
Total interest income$1,625,746,00012
Total interest expense$655,702,0007
Net interest income$970,044,00016
Provision for loan and lease losses$1,124,148,00010
Total noninterest income$312,330,00031
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-78,317,0008,243
Additional Noninterest Income$390,647,00023
Total noninterest expense$513,559,00030
Salaries and employee benefits$335,293,00016
Premises and equipment expense$54,093,00022
Additional noninterest expense$124,173,00046
Pre-tax net operating income$-355,333,0008,248
Securities gains (losses)$1,391,041,0001
Applicable income taxes$379,898,0006
Income before extraordinary items$655,810,0007
Extraordinary gains, net$015
Net income$655,810,0007
Minority interest net income$0102
Net income of bank and minority interests.$655,810,0007
Net charge-offs$111,987,00044
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-234,456,2408,237
2008-12-31 (YTD Data)Rank
Total interest income$3,420,553,00023
Total interest expense$1,740,456,00019
Net interest income$1,680,097,00032
Provision for loan and lease losses$705,780,00038
Total noninterest income$1,491,313,00022
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$948,971,0004
Additional Noninterest Income$542,342,00038
Total noninterest expense$1,371,041,00037
Salaries and employee benefits$774,035,00028
Premises and equipment expense$149,576,00034
Additional noninterest expense$447,430,00049
Pre-tax net operating income$1,094,589,00016
Securities gains (losses)$28,696,00023
Applicable income taxes$428,103,00013
Income before extraordinary items$695,182,00015
Extraordinary gains, net$039
Net income$695,182,00015
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-84,907,0008,305
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$676,816,56017
2008-09-30 (YTD Data)Rank
Total interest income$1,737,849,00041
Total interest expense$958,667,00029
Net interest income$779,182,00043
Provision for loan and lease losses$-71,807,0008,383
Total noninterest income$609,690,00036
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$350,575,0008
Additional Noninterest Income$259,115,00049
Total noninterest expense$661,706,00048
Salaries and employee benefits$425,876,00034
Premises and equipment expense$68,578,00047
Additional noninterest expense$167,252,00073
Pre-tax net operating income$798,973,00021
Securities gains (losses)$145,635,0009
Applicable income taxes$357,591,00015
Income before extraordinary items$587,017,00015
Extraordinary gains, net$031
Net income$587,017,00015
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-107,565,0008,383
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$493,810,60021
2008-06-30 (YTD Data)Rank
Total interest income$3,613,005,00012
Total interest expense$2,442,942,0007
Net interest income$1,170,063,00023
Provision for loan and lease losses$3,324,356,0008
Total noninterest income$1,800,572,00016
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$1,488,878,0002
Additional Noninterest Income$311,694,00038
Total noninterest expense$2,204,682,00014
Salaries and employee benefits$1,219,687,00010
Premises and equipment expense$155,728,00020
Additional noninterest expense$829,267,00019
Pre-tax net operating income$-2,558,403,0008,458
Securities gains (losses)$-5,134,0008,417
Applicable income taxes$-1,020,136,0008,448
Income before extraordinary items$-1,543,401,0008,447
Extraordinary gains, net$021
Net income$-1,543,401,0008,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,226,968,00010
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-1,540,115,2408,449
2008-03-31 (YTD Data)Rank
Total interest income$1,871,058,00012
Total interest expense$1,266,987,0008
Net interest income$604,071,00022
Provision for loan and lease losses$1,053,476,0009
Total noninterest income$1,021,076,00015
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$1,068,522,0002
Additional Noninterest Income$-47,446,0008,501
Total noninterest expense$1,128,453,00011
Salaries and employee benefits$641,185,0009
Premises and equipment expense$76,951,00020
Additional noninterest expense$410,317,00019
Pre-tax net operating income$-556,782,0008,500
Securities gains (losses)$-55,015,0008,488
Applicable income taxes$-256,481,0008,492
Income before extraordinary items$-355,316,0008,490
Extraordinary gains, net$015
Net income$-355,316,0008,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$437,360,00011
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-320,106,4008,490
2007-12-31 (YTD Data)Rank
Total interest income$7,152,061,00015
Total interest expense$4,778,790,00011
Net interest income$2,373,271,00021
Provision for loan and lease losses$1,542,100,00010
Total noninterest income$-99,971,0008,531
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-274,939,0008,530
Additional Noninterest Income$174,968,00071
Total noninterest expense$1,777,191,00031
Salaries and employee benefits$230,933,00061
Premises and equipment expense$38,302,00085
Additional noninterest expense$1,507,956,00022
Pre-tax net operating income$-1,045,991,0008,541
Securities gains (losses)$1,171,831,0002
Applicable income taxes$43,056,000108
Income before extraordinary items$82,784,000117
Extraordinary gains, net$039
Net income$82,784,000116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$384,157,00022
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$2,000,000,0001
Net operating income$-690,624,4608,531
2007-09-30 (YTD Data)Rank
Total interest income$5,126,278,00016
Total interest expense$3,405,176,00012
Net interest income$1,721,102,00021
Provision for loan and lease losses$1,051,997,0008
Total noninterest income$-68,880,0008,556
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$-207,695,0008,558
Additional Noninterest Income$138,815,00068
Total noninterest expense$1,019,040,00040
Salaries and employee benefits$166,622,00065
Premises and equipment expense$25,933,00094
Additional noninterest expense$826,485,00026
Pre-tax net operating income$-418,815,0008,568
Securities gains (losses)$702,343,0002
Applicable income taxes$106,839,00051
Income before extraordinary items$176,689,00058
Extraordinary gains, net$033
Net income$176,689,00058
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$198,334,00021
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$1,000,000,0002
Net operating income$-272,810,5208,558
2007-06-30 (YTD Data)Rank
Total interest income$3,264,988,00016
Total interest expense$2,159,550,00013
Net interest income$1,105,438,00019
Provision for loan and lease losses$304,707,00013
Total noninterest income$115,854,00086
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$24,167,00023
Additional Noninterest Income$91,687,00071
Total noninterest expense$555,896,00044
Salaries and employee benefits$103,377,00073
Premises and equipment expense$15,728,000113
Additional noninterest expense$436,791,00029
Pre-tax net operating income$360,689,00040
Securities gains (losses)$390,108,0002
Applicable income taxes$246,232,00028
Income before extraordinary items$504,565,00025
Extraordinary gains, net$029
Net income$504,565,00025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$87,531,00028
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$243,192,64040
2007-03-31 (YTD Data)Rank
Total interest income$1,602,409,00017
Total interest expense$1,041,788,00013
Net interest income$560,621,00019
Provision for loan and lease losses$77,343,00019
Total noninterest income$41,724,000100
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0195
Additional Noninterest Income$41,724,00071
Total noninterest expense$254,954,00046
Salaries and employee benefits$47,980,00076
Premises and equipment expense$7,366,000119
Additional noninterest expense$199,608,00029
Pre-tax net operating income$270,048,00031
Securities gains (losses)$247,329,0004
Applicable income taxes$198,850,00018
Income before extraordinary items$318,527,00019
Extraordinary gains, net$022
Net income$318,527,00018
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,850,00038
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$160,236,44034
2006-12-31 (YTD Data)Rank
Total interest income$5,721,470,00015
Total interest expense$3,780,356,00012
Net interest income$1,941,114,00021
Provision for loan and lease losses$153,969,00026
Total noninterest income$832,511,00038
Gross Fiduciary activities income$77,131,00039
Service charges on deposit accounts$3,504,000487
Trading account gains and fees$0130
Additional Noninterest Income$751,876,00030
Total noninterest expense$670,041,00056
Salaries and employee benefits$188,734,00073
Premises and equipment expense$20,569,000143
Additional noninterest expense$460,738,00040
Pre-tax net operating income$1,949,615,00017
Securities gains (losses)$01,687
Applicable income taxes$755,485,00016
Income before extraordinary items$1,194,130,00018
Extraordinary gains, net$051
Net income$1,194,130,00019
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,718,00064
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$563,897,0002
Net operating income$1,194,130,00018
2006-09-30 (YTD Data)Rank
Total interest income$4,074,132,00015
Total interest expense$2,675,356,00013
Net interest income$1,398,776,00025
Provision for loan and lease losses$91,265,00031
Total noninterest income$556,611,00044
Gross Fiduciary activities income$56,000,00043
Service charges on deposit accounts$2,545,000502
Trading account gains and fees$0126
Additional Noninterest Income$498,066,00038
Total noninterest expense$459,985,00068
Salaries and employee benefits$140,559,00077
Premises and equipment expense$14,738,000155
Additional noninterest expense$304,688,00049
Pre-tax net operating income$1,404,137,00020
Securities gains (losses)$01,388
Applicable income taxes$551,070,00019
Income before extraordinary items$853,067,00023
Extraordinary gains, net$045
Net income$853,067,00024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,133,00073
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$348,708,0002
Net operating income$853,067,00023
2006-06-30 (YTD Data)Rank
Total interest income$2,492,558,00015
Total interest expense$1,614,512,00012
Net interest income$878,046,00029
Provision for loan and lease losses$63,393,00030
Total noninterest income$245,597,00060
Gross Fiduciary activities income$36,074,00044
Service charges on deposit accounts$1,623,000523
Trading account gains and fees$0126
Additional Noninterest Income$207,900,00047
Total noninterest expense$269,471,00074
Salaries and employee benefits$89,341,00082
Premises and equipment expense$9,181,000166
Additional noninterest expense$170,949,00057
Pre-tax net operating income$790,779,00025
Securities gains (losses)$01,185
Applicable income taxes$312,252,00020
Income before extraordinary items$478,527,00027
Extraordinary gains, net$039
Net income$478,527,00027
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,348,00073
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$223,015,0003
Net operating income$478,527,00027
2006-03-31 (YTD Data)Rank
Total interest income$1,155,267,00017
Total interest expense$729,106,00012
Net interest income$426,161,00030
Provision for loan and lease losses$27,586,00029
Total noninterest income$142,474,00053
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$759,000540
Trading account gains and fees$0115
Additional Noninterest Income$141,715,00037
Total noninterest expense$124,371,00076
Salaries and employee benefits$42,589,00087
Premises and equipment expense$4,276,000180
Additional noninterest expense$77,506,00060
Pre-tax net operating income$416,678,00021
Securities gains (losses)$0955
Applicable income taxes$162,486,00018
Income before extraordinary items$254,192,00024
Extraordinary gains, net$021
Net income$254,192,00024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,665,00076
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$383,000202
Net operating income$254,192,00024
2005-12-31 (YTD Data)Rank
Total interest income$3,242,601,00022
Total interest expense$1,951,033,00012
Net interest income$1,291,568,00037
Provision for loan and lease losses$86,921,00041
Total noninterest income$380,565,00068
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$2,458,000709
Trading account gains and fees$0138
Additional Noninterest Income$378,107,00049
Total noninterest expense$329,846,00093
Salaries and employee benefits$126,237,000103
Premises and equipment expense$14,328,000194
Additional noninterest expense$189,281,00080
Pre-tax net operating income$1,255,366,00030
Securities gains (losses)$02,296
Applicable income taxes$488,911,00023
Income before extraordinary items$766,455,00031
Extraordinary gains, net$046
Net income$766,455,00031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,779,000182
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$1,638,076,0001
Net operating income$766,455,00031
2005-09-30 (YTD Data)Rank
Total interest income$2,211,264,00022
Total interest expense$1,308,255,00013
Net interest income$903,009,00039
Provision for loan and lease losses$71,462,00038
Total noninterest income$244,210,00078
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$1,704,000758
Trading account gains and fees$0126
Additional Noninterest Income$242,506,00058
Total noninterest expense$231,681,000101
Salaries and employee benefits$87,867,000113
Premises and equipment expense$9,703,000209
Additional noninterest expense$134,111,00083
Pre-tax net operating income$844,076,00032
Securities gains (losses)$02,317
Applicable income taxes$335,942,00026
Income before extraordinary items$508,134,00036
Extraordinary gains, net$035
Net income$508,134,00035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,783,000212
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$1,615,000,0001
Net operating income$508,134,00036
2005-06-30 (YTD Data)Rank
Total interest income$1,285,300,00028
Total interest expense$735,668,00015
Net interest income$549,632,00042
Provision for loan and lease losses$26,671,00054
Total noninterest income$74,897,000113
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$1,006,000845
Trading account gains and fees$0116
Additional Noninterest Income$73,891,00089
Total noninterest expense$146,398,000106
Salaries and employee benefits$54,269,000115
Premises and equipment expense$5,249,000249
Additional noninterest expense$86,880,00083
Pre-tax net operating income$451,460,00041
Securities gains (losses)$02,146
Applicable income taxes$180,132,00036
Income before extraordinary items$271,328,00043
Extraordinary gains, net$030
Net income$271,328,00043
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,476,000277
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$800,000,0002
Net operating income$271,328,00043
2005-03-31 (YTD Data)Rank
Total interest income$550,274,00034
Total interest expense$300,307,00019
Net interest income$249,967,00044
Provision for loan and lease losses$6,406,00076
Total noninterest income$29,698,000135
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$466,000882
Trading account gains and fees$0115
Additional Noninterest Income$29,232,000105
Total noninterest expense$59,993,000129
Salaries and employee benefits$26,960,000120
Premises and equipment expense$2,458,000265
Additional noninterest expense$30,575,000103
Pre-tax net operating income$213,266,00037
Securities gains (losses)$01,685
Applicable income taxes$85,306,00034
Income before extraordinary items$127,960,00042
Extraordinary gains, net$024
Net income$127,960,00042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$681,000281
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$300,000,0002
Net operating income$127,960,00041
2004-12-31 (YTD Data)Rank
Total interest income$1,301,351,00044
Total interest expense$631,187,00028
Net interest income$670,164,00062
Provision for loan and lease losses$37,438,00073
Total noninterest income$59,281,000199
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,533,0001,170
Trading account gains and fees$0138
Additional Noninterest Income$57,748,000159
Total noninterest expense$160,592,000169
Salaries and employee benefits$69,075,000159
Premises and equipment expense$5,004,000464
Additional noninterest expense$86,513,000132
Pre-tax net operating income$531,415,00058
Securities gains (losses)$2,678,000157
Applicable income taxes$210,967,00052
Income before extraordinary items$323,126,00064
Extraordinary gains, net$034
Net income$323,126,00064
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$745,000953
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$1,100,000,0002
Net operating income$321,412,08063
2004-09-30 (YTD Data)Rank
Total interest income$850,223,00057
Total interest expense$405,230,00031
Net interest income$444,993,00069
Provision for loan and lease losses$29,438,00079
Total noninterest income$47,410,000198
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$1,121,0001,191
Trading account gains and fees$0134
Additional Noninterest Income$46,289,000157
Total noninterest expense$112,721,000179
Salaries and employee benefits$48,563,000169
Premises and equipment expense$4,300,000418
Additional noninterest expense$59,858,000140
Pre-tax net operating income$350,244,00065
Securities gains (losses)$2,678,000148
Applicable income taxes$135,698,00061
Income before extraordinary items$217,224,00071
Extraordinary gains, net$026
Net income$217,224,00070
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$544,000888
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$750,000,0002
Net operating income$215,510,08069
2004-06-30 (YTD Data)Rank
Total interest income$496,301,00064
Total interest expense$240,498,00035
Net interest income$255,803,00076
Provision for loan and lease losses$17,338,00082
Total noninterest income$28,940,000208
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$706,0001,252
Trading account gains and fees$0130
Additional Noninterest Income$28,234,000166
Total noninterest expense$67,788,000186
Salaries and employee benefits$29,739,000178
Premises and equipment expense$2,681,000439
Additional noninterest expense$35,368,000154
Pre-tax net operating income$199,617,00072
Securities gains (losses)$2,678,000131
Applicable income taxes$78,392,00070
Income before extraordinary items$123,903,00077
Extraordinary gains, net$021
Net income$123,903,00078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0002,856
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$450,000,0001
Net operating income$122,189,08076
2004-03-31 (YTD Data)Rank
Total interest income$228,015,00067
Total interest expense$110,019,00040
Net interest income$117,996,00080
Provision for loan and lease losses$8,408,00087
Total noninterest income$13,507,000211
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$310,0001,387
Trading account gains and fees$0121
Additional Noninterest Income$13,197,000166
Total noninterest expense$30,738,000191
Salaries and employee benefits$13,960,000187
Premises and equipment expense$1,278,000473
Additional noninterest expense$15,500,000166
Pre-tax net operating income$92,357,00070
Securities gains (losses)$2,678,00096
Applicable income taxes$36,826,00067
Income before extraordinary items$58,209,00077
Extraordinary gains, net$016
Net income$58,209,00078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0004,405
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$338,000,0001
Net operating income$56,495,08073
2003-12-31 (YTD Data)Rank
Total interest income$504,023,000107
Total interest expense$232,825,00082
Net interest income$271,198,000122
Provision for loan and lease losses$9,783,000198
Total noninterest income$65,824,000200
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,126,0001,526
Trading account gains and fees$0160
Additional Noninterest Income$64,698,000158
Total noninterest expense$98,876,000219
Salaries and employee benefits$49,344,000202
Premises and equipment expense$3,125,000731
Additional noninterest expense$46,407,000205
Pre-tax net operating income$228,363,00094
Securities gains (losses)$294,0001,057
Applicable income taxes$88,033,00088
Income before extraordinary items$140,624,000103
Extraordinary gains, net$054
Net income$140,624,000104
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$122,0003,719
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$750,000,0003
Net operating income$140,435,84098
2003-09-30 (YTD Data)Rank
Total interest income$312,976,000125
Total interest expense$144,184,00097
Net interest income$168,792,000142
Provision for loan and lease losses$6,650,000222
Total noninterest income$51,567,000198
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$820,0001,580
Trading account gains and fees$0153
Additional Noninterest Income$50,747,000156
Total noninterest expense$69,816,000229
Salaries and employee benefits$35,560,000209
Premises and equipment expense$2,122,000805
Additional noninterest expense$32,134,000211
Pre-tax net operating income$143,893,000109
Securities gains (losses)$434,000755
Applicable income taxes$59,535,00097
Income before extraordinary items$84,792,000121
Extraordinary gains, net$040
Net income$84,792,000121
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$167,0002,445
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$700,000,0003
Net operating income$84,514,240116
2003-06-30 (YTD Data)Rank
Total interest income$169,908,000141
Total interest expense$79,485,000113
Net interest income$90,423,000162
Provision for loan and lease losses$4,278,000230
Total noninterest income$32,964,000206
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$483,0001,753
Trading account gains and fees$0150
Additional Noninterest Income$32,481,000163
Total noninterest expense$40,613,000258
Salaries and employee benefits$23,161,000214
Premises and equipment expense$1,368,000832
Additional noninterest expense$16,084,000250
Pre-tax net operating income$78,496,000121
Securities gains (losses)$273,000858
Applicable income taxes$32,886,000116
Income before extraordinary items$45,883,000141
Extraordinary gains, net$030
Net income$45,883,000141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,0002,066
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$700,000,0002
Net operating income$45,708,280132
2003-03-31 (YTD Data)Rank
Total interest income$64,936,000171
Total interest expense$30,875,000131
Net interest income$34,061,000198
Provision for loan and lease losses$2,495,000215
Total noninterest income$15,383,000214
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$202,0002,001
Trading account gains and fees$0134
Additional Noninterest Income$15,181,000166
Total noninterest expense$18,640,000274
Salaries and employee benefits$10,656,000227
Premises and equipment expense$712,000811
Additional noninterest expense$7,272,000258
Pre-tax net operating income$28,309,000150
Securities gains (losses)$273,000540
Applicable income taxes$11,862,000139
Income before extraordinary items$16,720,000161
Extraordinary gains, net$021
Net income$16,720,000161
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0003,062
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$400,000,0001
Net operating income$16,545,280156
2002-12-31 (YTD Data)Rank
Total interest income$132,290,000297
Total interest expense$67,587,000219
Net interest income$64,703,000353
Provision for loan and lease losses$1,986,000735
Total noninterest income$24,339,000351
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$475,0003,106
Trading account gains and fees$0153
Additional Noninterest Income$23,864,000271
Total noninterest expense$34,513,000506
Salaries and employee benefits$21,833,000397
Premises and equipment expense$1,996,0001,106
Additional noninterest expense$10,684,000539
Pre-tax net operating income$52,543,000236
Securities gains (losses)$-6,0008,842
Applicable income taxes$21,409,000218
Income before extraordinary items$31,128,000271
Extraordinary gains, net$070
Net income$31,128,000271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,119
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$512,175,0002
Net operating income$31,131,840257
2001-12-31 (YTD Data)Rank
Total interest income$16,546,0002,069
Total interest expense$11,357,0001,426
Net interest income$5,189,0003,335
Provision for loan and lease losses$08,228
Total noninterest income$62,0009,022
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$26,0008,045
Trading account gains and fees$0177
Additional Noninterest Income$36,0008,155
Total noninterest expense$5,294,0002,678
Salaries and employee benefits$2,513,0002,939
Premises and equipment expense$845,0002,497
Additional noninterest expense$1,936,0002,309
Pre-tax net operating income$-43,0008,799
Securities gains (losses)$503,000608
Applicable income taxes$205,0004,980
Income before extraordinary items$255,0007,403
Extraordinary gains, net$0105
Net income$255,0007,404
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$79,155,00015
Net operating income$-66,9208,857
2000-12-31 (YTD Data)Rank
Total interest income$8,816,0003,789
Total interest expense$6,139,0002,720
Net interest income$2,677,0005,573
Provision for loan and lease losses$3,758,000394
Total noninterest income$8,0009,760
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,0008,577
Trading account gains and fees$0180
Additional Noninterest Income$7,0009,569
Total noninterest expense$3,043,0004,182
Salaries and employee benefits$1,222,0005,140
Premises and equipment expense$196,0006,833
Additional noninterest expense$1,625,0002,622
Pre-tax net operating income$-4,116,0009,861
Securities gains (losses)$-481,0009,704
Applicable income taxes$3,0008,258
Income before extraordinary items$-4,600,0009,858
Extraordinary gains, net$038
Net income$-4,600,0009,857
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,781,000324
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$1,000,000443
Net operating income$-4,119,0009,855
1999-12-31 (YTD Data)Rank
Total interest income$7,178,0004,304
Total interest expense$5,159,0002,831
Net interest income$2,019,0006,610
Provision for loan and lease losses$222,0003,341
Total noninterest income$66,0009,353
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$3,0008,790
Trading account gains and feesNANA
Additional Noninterest Income$63,0007,632
Total noninterest expense$1,826,0006,026
Salaries and employee benefits$675,0007,368
Premises and equipment expense$162,0007,459
Additional noninterest expense$989,0004,053
Pre-tax net operating income$37,0009,275
Securities gains (losses)$16,0001,502
Applicable income taxes$6,0008,581
Income before extraordinary items$47,0009,256
Extraordinary gains, net$035
Net income$47,0009,253
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$987,000519
Net operating income$32,7609,288
1998-12-31 (YTD Data)Rank
Total interest income$5,772,0005,146
Total interest expense$4,564,0003,255
Net interest income$1,208,0008,314
Provision for loan and lease losses$148,0004,215
Total noninterest income$85,0009,261
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,085
Trading account gains and feesNANA
Additional Noninterest Income$85,0007,031
Total noninterest expense$1,343,0007,122
Salaries and employee benefits$546,0008,075
Premises and equipment expense$131,0008,043
Additional noninterest expense$666,0005,358
Pre-tax net operating income$-198,0009,992
Securities gains (losses)$87,0001,375
Applicable income taxes$09,340
Income before extraordinary items$-111,0009,967
Extraordinary gains, net$032
Net income$-111,0009,965
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$950,000477
Net operating income$-198,00010,015
1997-12-31 (YTD Data)Rank
Total interest income$4,738,0006,013
Total interest expense$3,630,0004,022
Net interest income$1,108,0008,918
Provision for loan and lease losses$08,829
Total noninterest income$25,00010,640
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$25,0009,587
Total noninterest expense$1,079,0008,066
Salaries and employee benefits$452,0008,937
Premises and equipment expense$101,0008,944
Additional noninterest expense$526,0006,307
Pre-tax net operating income$54,00010,231
Securities gains (losses)$96,000998
Applicable income taxes$010,065
Income before extraordinary items$150,0009,588
Extraordinary gains, net$044
Net income$150,0009,591
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$54,00010,182
1996-12-31 (YTD Data)Rank
Total interest income$2,992,0008,001
Total interest expense$2,139,0006,147
Net interest income$853,0009,950
Provision for loan and lease losses$09,041
Total noninterest income$16,00011,266
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$16,00010,642
Total noninterest expense$829,0009,325
Salaries and employee benefits$368,0009,835
Premises and equipment expense$76,0009,922
Additional noninterest expense$385,0008,005
Pre-tax net operating income$40,00010,642
Securities gains (losses)$25,0001,832
Applicable income taxes$010,572
Income before extraordinary items$65,00010,491
Extraordinary gains, net$053
Net income$65,00010,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$40,00010,583
1995-12-31 (YTD Data)Rank
Total interest income$1,646,00010,268
Total interest expense$963,0009,381
Net interest income$683,00010,890
Provision for loan and lease losses$08,958
Total noninterest income$7,00011,890
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$7,00011,654
Total noninterest expense$830,0009,645
Salaries and employee benefits$361,00010,247
Premises and equipment expense$77,00010,293
Additional noninterest expense$392,0008,268
Pre-tax net operating income$-140,00011,626
Securities gains (losses)$-29,00010,820
Applicable income taxes$011,151
Income before extraordinary items$-169,00011,662
Extraordinary gains, net$065
Net income$-169,00011,660
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$1,245,000270
Net operating income$-140,00011,622
1994-12-31 (YTD Data)Rank
Total interest income$1,496,00010,739
Total interest expense$796,0009,629
Net interest income$700,00011,380
Provision for loan and lease losses$38,0006,695
Total noninterest income$192,0008,873
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$192,0005,402
Total noninterest expense$1,402,0007,910
Salaries and employee benefits$503,0009,364
Premises and equipment expense$200,0007,420
Additional noninterest expense$699,0006,322
Pre-tax net operating income$-548,00012,396
Securities gains (losses)$4,0002,755
Applicable income taxes$011,630
Income before extraordinary items$-544,00012,364
Extraordinary gains, net$101,000112
Net income$-443,00012,335
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00011,034
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-548,00012,374
1993-12-31 (YTD Data)Rank
Total interest income$1,646,00010,912
Total interest expense$868,0009,704
Net interest income$778,00011,590
Provision for loan and lease losses$102,0005,694
Total noninterest income$621,0004,846
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$621,0002,818
Total noninterest expense$997,0009,735
Salaries and employee benefits$410,00010,534
Premises and equipment expense$147,0008,987
Additional noninterest expense$440,0008,822
Pre-tax net operating income$300,00010,244
Securities gains (losses)$-39,00013,053
Applicable income taxes$012,141
Income before extraordinary items$261,0009,914
Extraordinary gains, net$03,149
Net income$261,00010,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0008,222
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$320,000691
Net operating income$300,0009,216
1992-12-31 (YTD Data)Rank
Total interest income$628,00013,576
Total interest expense$422,00013,105
Net interest income$206,00013,764
Provision for loan and lease losses$011,756
Total noninterest income$158,00010,333
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,764
Trading account gains and feesNANA
Additional Noninterest Income$158,0006,458
Total noninterest expense$550,00012,354
Salaries and employee benefits$257,00012,531
Premises and equipment expense$95,00010,910
Additional noninterest expense$198,00012,265
Pre-tax net operating income$-186,00013,072
Securities gains (losses)$-4,00013,019
Applicable income taxes$012,680
Income before extraordinary items$-190,00013,167
Extraordinary gains, net$01,422
Net income$-190,00013,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-186,00013,044

* 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.