D&N Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $139,508,000 | 313 |
| Total interest expense | $80,969,000 | 264 |
| Net interest income | $58,539,000 | 375 |
| Provision for loan and lease losses | $8,100,000 | 234 |
| Total noninterest income | $12,645,000 | 533 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,718,000 | 267 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,927,000 | 542 |
| Total noninterest expense | $58,210,000 | 322 |
| Salaries and employee benefits | $19,447,000 | 394 |
| Premises and equipment expense | $3,666,000 | 608 |
| Additional noninterest expense | $35,097,000 | 256 |
| Pre-tax net operating income | $4,874,000 | 1,545 |
| Securities gains (losses) | $-8,101,000 | 10,204 |
| Applicable income taxes | $-1,311,000 | 10,184 |
| Income before extraordinary items | $-1,916,000 | 10,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,916,000 | 10,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,549,000 | 284 |
| Cash dividends | $2,723,000 | 1,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,268,640 | 1,599 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $137,858,000 | 304 |
| Total interest expense | $87,009,000 | 247 |
| Net interest income | $50,849,000 | 399 |
| Provision for loan and lease losses | $2,561,000 | 492 |
| Total noninterest income | $14,179,000 | 476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $14,179,000 | 364 |
| Total noninterest expense | $38,068,000 | 440 |
| Salaries and employee benefits | $20,765,000 | 359 |
| Premises and equipment expense | $9,317,000 | 257 |
| Additional noninterest expense | $7,986,000 | 692 |
| Pre-tax net operating income | $24,399,000 | 374 |
| Securities gains (losses) | $3,483,000 | 160 |
| Applicable income taxes | $8,887,000 | 372 |
| Income before extraordinary items | $18,995,000 | 352 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $18,995,000 | 352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,054,000 | 372 |
| Cash dividends | $2,723,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $16,626,560 | 362 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $124,053,000 | 337 |
| Total interest expense | $76,656,000 | 279 |
| Net interest income | $47,397,000 | 422 |
| Provision for loan and lease losses | $1,350,000 | 785 |
| Total noninterest income | $10,607,000 | 551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $10,607,000 | 392 |
| Total noninterest expense | $33,437,000 | 475 |
| Salaries and employee benefits | $18,915,000 | 372 |
| Premises and equipment expense | $8,282,000 | 281 |
| Additional noninterest expense | $6,240,000 | 823 |
| Pre-tax net operating income | $23,217,000 | 408 |
| Securities gains (losses) | $1,031,000 | 272 |
| Applicable income taxes | $8,642,000 | 395 |
| Income before extraordinary items | $15,606,000 | 418 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $15,606,000 | 418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,604,000 | 578 |
| Cash dividends | $1,218,000 | 1,863 |
| Sale, conversion, retirement of capital stock, net | $30,250,000 | 27 |
| Net operating income | $14,946,160 | 414 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $102,735,000 | 423 |
| Total interest expense | $61,449,000 | 365 |
| Net interest income | $41,286,000 | 499 |
| Provision for loan and lease losses | $1,175,000 | 913 |
| Total noninterest income | $8,891,000 | 635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $8,891,000 | 459 |
| Total noninterest expense | $39,324,000 | 465 |
| Salaries and employee benefits | $17,600,000 | 422 |
| Premises and equipment expense | $7,821,000 | 331 |
| Additional noninterest expense | $13,903,000 | 520 |
| Pre-tax net operating income | $9,678,000 | 808 |
| Securities gains (losses) | $589,000 | 374 |
| Applicable income taxes | $993,000 | 2,365 |
| Income before extraordinary items | $9,274,000 | 625 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,274,000 | 625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,313 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 670 |
| Net operating income | $8,743,900 | 640 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $86,305,000 | 505 |
| Total interest expense | $51,776,000 | 430 |
| Net interest income | $34,529,000 | 593 |
| Provision for loan and lease losses | $2,400,000 | 516 |
| Total noninterest income | $9,613,000 | 617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $9,613,000 | 438 |
| Total noninterest expense | $32,944,000 | 540 |
| Salaries and employee benefits | $15,422,000 | 479 |
| Premises and equipment expense | $6,642,000 | 405 |
| Additional noninterest expense | $10,880,000 | 643 |
| Pre-tax net operating income | $8,798,000 | 917 |
| Securities gains (losses) | $410,000 | 407 |
| Applicable income taxes | $-1,133,000 | 11,916 |
| Income before extraordinary items | $10,341,000 | 582 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,341,000 | 582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 1,150 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $9,931,000 | 596 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $67,868,000 | 541 |
| Total interest expense | $36,716,000 | 464 |
| Net interest income | $31,152,000 | 650 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $10,686,000 | 561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $10,686,000 | 397 |
| Total noninterest expense | $39,321,000 | 473 |
| Salaries and employee benefits | $14,684,000 | 505 |
| Premises and equipment expense | $6,413,000 | 412 |
| Additional noninterest expense | $18,224,000 | 468 |
| Pre-tax net operating income | $2,417,000 | 2,914 |
| Securities gains (losses) | $848,000 | 187 |
| Applicable income taxes | $-8,000 | 12,073 |
| Income before extraordinary items | $3,273,000 | 1,505 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,273,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,621,000 | 375 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,425,000 | 2,029 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $75,699,000 | 493 |
| Total interest expense | $42,628,000 | 398 |
| Net interest income | $33,071,000 | 618 |
| Provision for loan and lease losses | $10,308,000 | 267 |
| Total noninterest income | $-6,978,000 | 13,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $-6,978,000 | 13,319 |
| Total noninterest expense | $58,760,000 | 357 |
| Salaries and employee benefits | $13,895,000 | 536 |
| Premises and equipment expense | $7,780,000 | 355 |
| Additional noninterest expense | $37,085,000 | 297 |
| Pre-tax net operating income | $-42,975,000 | 13,303 |
| Securities gains (losses) | $6,266,000 | 122 |
| Applicable income taxes | $-3,688,000 | 13,245 |
| Income before extraordinary items | $-33,021,000 | 13,258 |
| Extraordinary gains, net | $-34,416,000 | 13,279 |
| Net income | $-67,437,000 | 13,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,042,000 | 467 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $20,588,000 | 73 |
| Net operating income | $-38,660,400 | 13,259 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $111,759,000 | 406 |
| Total interest expense | $67,037,000 | 344 |
| Net interest income | $44,722,000 | 483 |
| Provision for loan and lease losses | $14,558,000 | 275 |
| Total noninterest income | $16,505,000 | 433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $16,505,000 | 315 |
| Total noninterest expense | $52,852,000 | 388 |
| Salaries and employee benefits | $12,327,000 | 594 |
| Premises and equipment expense | $5,630,000 | 470 |
| Additional noninterest expense | $34,895,000 | 306 |
| Pre-tax net operating income | $-6,183,000 | 13,814 |
| Securities gains (losses) | $15,888,000 | 84 |
| Applicable income taxes | $4,368,000 | 542 |
| Income before extraordinary items | $5,337,000 | 894 |
| Extraordinary gains, net | $-1,572,000 | 13,877 |
| Net income | $3,765,000 | 1,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,231,000 | 703 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-4,831,320 | 13,765 |
* 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.