Home > Direct Merchants Credit Card Bank > Income and Expense
Direct Merchants Credit Card Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,521,000 | 2,535 |
| Total interest expense | $56,000 | 8,710 |
| Net interest income | $9,465,000 | 1,722 |
| Provision for loan and lease losses | $-5,056,000 | 8,842 |
| Total noninterest income | $171,261,000 | 92 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,261,000 | 67 |
| Total noninterest expense | $127,447,000 | 157 |
| Salaries and employee benefits | $2,596,000 | 2,574 |
| Premises and equipment expense | $0 | 8,827 |
| Additional noninterest expense | $124,851,000 | 86 |
| Pre-tax net operating income | $58,335,000 | 210 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $22,983,000 | 189 |
| Income before extraordinary items | $35,352,000 | 229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $35,352,000 | 230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,962,000 | 158 |
| Cash dividends | $171,000,000 | 47 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $35,352,000 | 223 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,059,000 | 1,960 |
| Total interest expense | $39,000 | 8,709 |
| Net interest income | $8,020,000 | 1,339 |
| Provision for loan and lease losses | $-4,819,000 | 8,854 |
| Total noninterest income | $115,630,000 | 92 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,630,000 | 66 |
| Total noninterest expense | $84,308,000 | 159 |
| Salaries and employee benefits | $1,979,000 | 2,276 |
| Premises and equipment expense | $0 | 8,833 |
| Additional noninterest expense | $82,329,000 | 89 |
| Pre-tax net operating income | $44,161,000 | 193 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $17,390,000 | 176 |
| Income before extraordinary items | $26,771,000 | 211 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $26,771,000 | 211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,295,000 | 113 |
| Cash dividends | $158,000,000 | 34 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $26,771,000 | 205 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,054,000 | 1,543 |
| Total interest expense | $19,000 | 8,783 |
| Net interest income | $5,035,000 | 1,031 |
| Provision for loan and lease losses | $-728,000 | 8,894 |
| Total noninterest income | $59,368,000 | 93 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,368,000 | 68 |
| Total noninterest expense | $42,860,000 | 161 |
| Salaries and employee benefits | $1,239,000 | 1,851 |
| Premises and equipment expense | $0 | 8,891 |
| Additional noninterest expense | $41,621,000 | 87 |
| Pre-tax net operating income | $22,271,000 | 191 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $8,775,000 | 170 |
| Income before extraordinary items | $13,496,000 | 209 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $13,496,000 | 209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,369,000 | 190 |
| Cash dividends | $15,000,000 | 91 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $13,496,000 | 204 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,906,000 | 1,362 |
| Total interest expense | $113,000 | 8,706 |
| Net interest income | $20,793,000 | 951 |
| Provision for loan and lease losses | $423,000 | 2,264 |
| Total noninterest income | $276,902,000 | 82 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $276,902,000 | 62 |
| Total noninterest expense | $180,811,000 | 154 |
| Salaries and employee benefits | $2,436,000 | 3,420 |
| Premises and equipment expense | $17,000 | 8,884 |
| Additional noninterest expense | $178,358,000 | 82 |
| Pre-tax net operating income | $116,461,000 | 147 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $45,886,000 | 139 |
| Income before extraordinary items | $70,575,000 | 165 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $70,575,000 | 166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,939,000 | 102 |
| Cash dividends | $66,000,000 | 109 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $70,575,000 | 156 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,983,000 | 1,314 |
| Total interest expense | $91,000 | 8,740 |
| Net interest income | $15,892,000 | 931 |
| Provision for loan and lease losses | $-12,000 | 8,782 |
| Total noninterest income | $214,571,000 | 85 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $214,571,000 | 65 |
| Total noninterest expense | $137,230,000 | 155 |
| Salaries and employee benefits | $1,778,000 | 3,469 |
| Premises and equipment expense | $13,000 | 8,928 |
| Additional noninterest expense | $135,439,000 | 86 |
| Pre-tax net operating income | $93,245,000 | 145 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $36,738,000 | 138 |
| Income before extraordinary items | $56,507,000 | 159 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $56,507,000 | 160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,819,000 | 95 |
| Cash dividends | $50,000,000 | 104 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $56,507,000 | 151 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,545,000 | 1,185 |
| Total interest expense | $65,000 | 8,780 |
| Net interest income | $11,480,000 | 854 |
| Provision for loan and lease losses | $-1,451,000 | 9,051 |
| Total noninterest income | $149,106,000 | 88 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $149,106,000 | 65 |
| Total noninterest expense | $95,973,000 | 153 |
| Salaries and employee benefits | $1,186,000 | 3,485 |
| Premises and equipment expense | $8,000 | 8,987 |
| Additional noninterest expense | $94,779,000 | 84 |
| Pre-tax net operating income | $66,064,000 | 142 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $26,075,000 | 131 |
| Income before extraordinary items | $39,989,000 | 156 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,989,000 | 157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,667,000 | 81 |
| Cash dividends | $30,500,000 | 100 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $39,989,000 | 150 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,806,000 | 1,016 |
| Total interest expense | $35,000 | 8,802 |
| Net interest income | $6,771,000 | 716 |
| Provision for loan and lease losses | $-2,363,000 | 9,104 |
| Total noninterest income | $79,386,000 | 79 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,386,000 | 57 |
| Total noninterest expense | $52,349,000 | 141 |
| Salaries and employee benefits | $594,000 | 3,498 |
| Premises and equipment expense | $4,000 | 9,002 |
| Additional noninterest expense | $51,751,000 | 78 |
| Pre-tax net operating income | $36,171,000 | 127 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,271,000 | 121 |
| Income before extraordinary items | $21,900,000 | 145 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $21,900,000 | 146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,199,000 | 58 |
| Cash dividends | $10,500,000 | 114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $21,900,000 | 134 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $132,313,000 | 262 |
| Total interest expense | $28,417,000 | 341 |
| Net interest income | $103,896,000 | 233 |
| Provision for loan and lease losses | $99,893,000 | 57 |
| Total noninterest income | $402,312,000 | 73 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $402,312,000 | 57 |
| Total noninterest expense | $329,230,000 | 102 |
| Salaries and employee benefits | $2,742,000 | 3,006 |
| Premises and equipment expense | $-918,000 | 9,180 |
| Additional noninterest expense | $327,406,000 | 57 |
| Pre-tax net operating income | $77,085,000 | 180 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $30,426,000 | 177 |
| Income before extraordinary items | $46,659,000 | 208 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $46,659,000 | 210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,198,000 | 42 |
| Cash dividends | $190,800,000 | 64 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $46,659,000 | 196 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $125,879,000 | 225 |
| Total interest expense | $28,384,000 | 285 |
| Net interest income | $97,495,000 | 202 |
| Provision for loan and lease losses | $101,508,000 | 44 |
| Total noninterest income | $311,709,000 | 70 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $311,709,000 | 56 |
| Total noninterest expense | $277,528,000 | 97 |
| Salaries and employee benefits | $2,347,000 | 2,686 |
| Premises and equipment expense | $-922,000 | 9,235 |
| Additional noninterest expense | $276,103,000 | 52 |
| Pre-tax net operating income | $30,168,000 | 297 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $11,916,000 | 278 |
| Income before extraordinary items | $18,252,000 | 344 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $18,252,000 | 345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,462,000 | 33 |
| Cash dividends | $190,800,000 | 48 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $18,252,000 | 315 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $90,979,000 | 213 |
| Total interest expense | $20,505,000 | 275 |
| Net interest income | $70,474,000 | 195 |
| Provision for loan and lease losses | $73,534,000 | 43 |
| Total noninterest income | $207,515,000 | 68 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $207,515,000 | 53 |
| Total noninterest expense | $144,825,000 | 116 |
| Salaries and employee benefits | $1,864,000 | 2,270 |
| Premises and equipment expense | $-927,000 | 9,267 |
| Additional noninterest expense | $143,888,000 | 64 |
| Pre-tax net operating income | $59,630,000 | 142 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $23,554,000 | 137 |
| Income before extraordinary items | $36,076,000 | 158 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $36,076,000 | 158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,091,000 | 49 |
| Cash dividends | $170,800,000 | 38 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $36,076,000 | 146 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $47,534,000 | 209 |
| Total interest expense | $10,906,000 | 271 |
| Net interest income | $36,628,000 | 187 |
| Provision for loan and lease losses | $43,776,000 | 36 |
| Total noninterest income | $108,247,000 | 64 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $108,247,000 | 50 |
| Total noninterest expense | $74,940,000 | 109 |
| Salaries and employee benefits | $1,427,000 | 1,504 |
| Premises and equipment expense | $-699,000 | 9,313 |
| Additional noninterest expense | $74,212,000 | 58 |
| Pre-tax net operating income | $26,159,000 | 156 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,333,000 | 152 |
| Income before extraordinary items | $15,826,000 | 171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,826,000 | 171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,776,000 | 103 |
| Cash dividends | $155,000,000 | 22 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $15,826,000 | 159 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $294,521,000 | 160 |
| Total interest expense | $69,498,000 | 215 |
| Net interest income | $225,023,000 | 140 |
| Provision for loan and lease losses | $220,305,000 | 32 |
| Total noninterest income | $512,778,000 | 56 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $512,778,000 | 45 |
| Total noninterest expense | $371,525,000 | 96 |
| Salaries and employee benefits | $3,862,000 | 2,072 |
| Premises and equipment expense | $-1,738,000 | 9,353 |
| Additional noninterest expense | $369,401,000 | 51 |
| Pre-tax net operating income | $145,971,000 | 125 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $57,656,000 | 122 |
| Income before extraordinary items | $88,313,000 | 146 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $88,313,000 | 146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,947,000 | 16 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $88,313,000 | 136 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $513,112,000 | 125 |
| Total interest expense | $129,890,000 | 187 |
| Net interest income | $383,222,000 | 88 |
| Provision for loan and lease losses | $461,104,000 | 19 |
| Total noninterest income | $573,092,000 | 50 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $573,092,000 | 39 |
| Total noninterest expense | $453,946,000 | 87 |
| Salaries and employee benefits | $1,869,000 | 3,792 |
| Premises and equipment expense | $1,595,000 | 1,341 |
| Additional noninterest expense | $450,482,000 | 46 |
| Pre-tax net operating income | $41,264,000 | 252 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $17,038,000 | 234 |
| Income before extraordinary items | $24,226,000 | 287 |
| Extraordinary gains, net | $245,000 | 48 |
| Net income | $24,471,000 | 286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,779,000 | 33 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $24,226,000 | 277 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $164,649,000 | 292 |
| Total interest expense | $89,614,000 | 273 |
| Net interest income | $75,035,000 | 303 |
| Provision for loan and lease losses | $164,799,000 | 37 |
| Total noninterest income | $549,804,000 | 57 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $549,804,000 | 38 |
| Total noninterest expense | $368,124,000 | 96 |
| Salaries and employee benefits | $10,068,000 | 704 |
| Premises and equipment expense | $3,007,000 | 694 |
| Additional noninterest expense | $355,049,000 | 58 |
| Pre-tax net operating income | $91,916,000 | 165 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $37,226,000 | 141 |
| Income before extraordinary items | $54,690,000 | 165 |
| Extraordinary gains, net | $-3,438,000 | 9,901 |
| Net income | $51,252,000 | 169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,679,000 | 75 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $54,690,000 | 167 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $81,531,000 | 472 |
| Total interest expense | $19,373,000 | 819 |
| Net interest income | $62,158,000 | 358 |
| Provision for loan and lease losses | $76,834,000 | 53 |
| Total noninterest income | $340,267,000 | 74 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,267,000 | 53 |
| Total noninterest expense | $267,769,000 | 115 |
| Salaries and employee benefits | $5,774,000 | 1,198 |
| Premises and equipment expense | $1,094,000 | 1,867 |
| Additional noninterest expense | $260,901,000 | 64 |
| Pre-tax net operating income | $57,822,000 | 223 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $23,418,000 | 206 |
| Income before extraordinary items | $34,404,000 | 248 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $34,404,000 | 250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,488,000 | 74 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $34,404,000 | 242 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 9,747 |
| Total interest expense | $45,000 | 10,347 |
| Net interest income | $1,069,000 | 8,639 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $202,525,000 | 105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,525,000 | 81 |
| Total noninterest expense | $162,742,000 | 168 |
| Salaries and employee benefits | $4,465,000 | 1,463 |
| Premises and equipment expense | $671,000 | 2,876 |
| Additional noninterest expense | $157,606,000 | 106 |
| Pre-tax net operating income | $40,852,000 | 255 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $16,504,000 | 238 |
| Income before extraordinary items | $24,348,000 | 289 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $24,348,000 | 290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $21,000,000 | 242 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 650 |
| Net operating income | $24,348,000 | 279 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 9,492 |
| Total interest expense | $47,000 | 10,829 |
| Net interest income | $1,605,000 | 7,765 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $132,470,000 | 121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,470,000 | 87 |
| Total noninterest expense | $108,744,000 | 207 |
| Salaries and employee benefits | $2,459,000 | 2,693 |
| Premises and equipment expense | $126,000 | 8,337 |
| Additional noninterest expense | $106,159,000 | 131 |
| Pre-tax net operating income | $25,331,000 | 380 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $9,714,000 | 368 |
| Income before extraordinary items | $15,617,000 | 417 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $15,617,000 | 417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $15,927,000 | 271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $15,617,000 | 399 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $875,000 | 10,955 |
| Total interest expense | $48,000 | 11,371 |
| Net interest income | $827,000 | 10,041 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $68,370,000 | 195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,370,000 | 143 |
| Total noninterest expense | $56,174,000 | 363 |
| Salaries and employee benefits | $774,000 | 7,116 |
| Premises and equipment expense | $94,000 | 9,448 |
| Additional noninterest expense | $55,306,000 | 224 |
| Pre-tax net operating income | $13,023,000 | 636 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,995,000 | 585 |
| Income before extraordinary items | $8,028,000 | 697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,028,000 | 697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,028,000 | 679 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $501,000 | 11,777 |
| Total interest expense | $39,000 | 11,909 |
| Net interest income | $462,000 | 11,489 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $17,660,000 | 434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,660,000 | 313 |
| Total noninterest expense | $16,139,000 | 940 |
| Salaries and employee benefits | $715,000 | 7,625 |
| Premises and equipment expense | $59,000 | 10,818 |
| Additional noninterest expense | $15,365,000 | 499 |
| Pre-tax net operating income | $1,983,000 | 3,521 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $759,000 | 3,011 |
| Income before extraordinary items | $1,224,000 | 3,892 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,224,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 97 |
| Net operating income | $1,224,000 | 3,875 |
* 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.