Home > Encore Bank > Income and Expense
Encore Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $19,478,000 | 559 |
| Total interest expense | $11,344,000 | 459 |
| Net interest income | $8,134,000 | 691 |
| Provision for loan and lease losses | $900,000 | 319 |
| Total noninterest income | $8,599,000 | 266 |
| Gross Fiduciary activities income | $2,151,000 | 114 |
| Service charges on deposit accounts | $383,000 | 1,119 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,065,000 | 240 |
| Total noninterest expense | $12,522,000 | 411 |
| Salaries and employee benefits | $7,947,000 | 328 |
| Premises and equipment expense | $1,838,000 | 389 |
| Additional noninterest expense | $2,737,000 | 521 |
| Pre-tax net operating income | $3,311,000 | 735 |
| Securities gains (losses) | $-149,000 | 8,575 |
| Applicable income taxes | $1,115,000 | 663 |
| Income before extraordinary items | $2,047,000 | 869 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,047,000 | 868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 836 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $206,000 | 241 |
| Net operating income | $2,143,850 | 825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $75,818,000 | 543 |
| Total interest expense | $43,909,000 | 410 |
| Net interest income | $31,909,000 | 692 |
| Provision for loan and lease losses | $3,491,000 | 335 |
| Total noninterest income | $25,011,000 | 317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,011,000 | 232 |
| Total noninterest expense | $48,347,000 | 402 |
| Salaries and employee benefits | $29,970,000 | 324 |
| Premises and equipment expense | $10,480,000 | 250 |
| Additional noninterest expense | $7,897,000 | 691 |
| Pre-tax net operating income | $5,082,000 | 1,848 |
| Securities gains (losses) | $9,571,000 | 43 |
| Applicable income taxes | $5,088,000 | 630 |
| Income before extraordinary items | $9,565,000 | 776 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,565,000 | 775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,154,000 | 268 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,343,850 | 2,075 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $56,229,000 | 554 |
| Total interest expense | $32,149,000 | 417 |
| Net interest income | $24,080,000 | 699 |
| Provision for loan and lease losses | $2,287,000 | 353 |
| Total noninterest income | $19,129,000 | 329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,129,000 | 239 |
| Total noninterest expense | $36,080,000 | 408 |
| Salaries and employee benefits | $22,864,000 | 332 |
| Premises and equipment expense | $7,584,000 | 267 |
| Additional noninterest expense | $5,632,000 | 728 |
| Pre-tax net operating income | $4,842,000 | 1,544 |
| Securities gains (losses) | $7,116,000 | 49 |
| Applicable income taxes | $4,372,000 | 594 |
| Income before extraordinary items | $7,586,000 | 771 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,586,000 | 770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $883,000 | 510 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,031,760 | 1,799 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $36,713,000 | 554 |
| Total interest expense | $20,645,000 | 416 |
| Net interest income | $16,068,000 | 705 |
| Provision for loan and lease losses | $1,522,000 | 337 |
| Total noninterest income | $13,187,000 | 321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,187,000 | 235 |
| Total noninterest expense | $24,345,000 | 406 |
| Salaries and employee benefits | $15,450,000 | 333 |
| Premises and equipment expense | $5,051,000 | 268 |
| Additional noninterest expense | $3,844,000 | 720 |
| Pre-tax net operating income | $3,388,000 | 1,494 |
| Securities gains (losses) | $5,172,000 | 44 |
| Applicable income taxes | $3,128,000 | 575 |
| Income before extraordinary items | $5,432,000 | 725 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,432,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 446 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,121,920 | 1,704 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $17,825,000 | 553 |
| Total interest expense | $9,906,000 | 410 |
| Net interest income | $7,919,000 | 712 |
| Provision for loan and lease losses | $705,000 | 352 |
| Total noninterest income | $6,395,000 | 325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,395,000 | 241 |
| Total noninterest expense | $12,018,000 | 411 |
| Salaries and employee benefits | $7,597,000 | 340 |
| Premises and equipment expense | $2,471,000 | 275 |
| Additional noninterest expense | $1,950,000 | 708 |
| Pre-tax net operating income | $1,591,000 | 1,539 |
| Securities gains (losses) | $2,655,000 | 41 |
| Applicable income taxes | $1,552,000 | 575 |
| Income before extraordinary items | $2,694,000 | 716 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,694,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 361 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $994,800 | 1,788 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $64,778,000 | 537 |
| Total interest expense | $37,150,000 | 348 |
| Net interest income | $27,628,000 | 761 |
| Provision for loan and lease losses | $3,198,000 | 342 |
| Total noninterest income | $17,466,000 | 445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,466,000 | 310 |
| Total noninterest expense | $44,561,000 | 423 |
| Salaries and employee benefits | $27,266,000 | 351 |
| Premises and equipment expense | $9,512,000 | 277 |
| Additional noninterest expense | $7,783,000 | 684 |
| Pre-tax net operating income | $-2,665,000 | 8,789 |
| Securities gains (losses) | $11,697,000 | 48 |
| Applicable income taxes | $1,626,000 | 1,609 |
| Income before extraordinary items | $7,406,000 | 975 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,406,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,137,000 | 373 |
| Cash dividends | $19,500,000 | 250 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-2,185,540 | 8,766 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $47,455,000 | 532 |
| Total interest expense | $27,194,000 | 334 |
| Net interest income | $20,261,000 | 772 |
| Provision for loan and lease losses | $2,001,000 | 382 |
| Total noninterest income | $11,291,000 | 474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,291,000 | 335 |
| Total noninterest expense | $31,994,000 | 441 |
| Salaries and employee benefits | $19,718,000 | 364 |
| Premises and equipment expense | $6,774,000 | 293 |
| Additional noninterest expense | $5,502,000 | 718 |
| Pre-tax net operating income | $-2,443,000 | 8,828 |
| Securities gains (losses) | $9,599,000 | 54 |
| Applicable income taxes | $2,538,000 | 891 |
| Income before extraordinary items | $4,618,000 | 1,175 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,618,000 | 1,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,574,000 | 357 |
| Cash dividends | $19,500,000 | 194 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,621,350 | 8,790 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $30,737,000 | 532 |
| Total interest expense | $17,538,000 | 327 |
| Net interest income | $13,199,000 | 785 |
| Provision for loan and lease losses | $1,210,000 | 411 |
| Total noninterest income | $6,263,000 | 534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,263,000 | 375 |
| Total noninterest expense | $20,069,000 | 464 |
| Salaries and employee benefits | $12,367,000 | 379 |
| Premises and equipment expense | $4,034,000 | 312 |
| Additional noninterest expense | $3,668,000 | 716 |
| Pre-tax net operating income | $-1,817,000 | 8,834 |
| Securities gains (losses) | $6,097,000 | 58 |
| Applicable income taxes | $1,480,000 | 967 |
| Income before extraordinary items | $2,800,000 | 1,261 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,800,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 389 |
| Cash dividends | $13,500,000 | 166 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-1,163,050 | 8,801 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $14,995,000 | 533 |
| Total interest expense | $8,396,000 | 322 |
| Net interest income | $6,599,000 | 784 |
| Provision for loan and lease losses | $555,000 | 427 |
| Total noninterest income | $1,608,000 | 862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,608,000 | 557 |
| Total noninterest expense | $8,329,000 | 530 |
| Salaries and employee benefits | $5,149,000 | 444 |
| Premises and equipment expense | $1,600,000 | 385 |
| Additional noninterest expense | $1,580,000 | 798 |
| Pre-tax net operating income | $-677,000 | 8,880 |
| Securities gains (losses) | $2,919,000 | 56 |
| Applicable income taxes | $771,000 | 937 |
| Income before extraordinary items | $1,471,000 | 1,177 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,471,000 | 1,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 643 |
| Cash dividends | $13,500,000 | 96 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-455,540 | 8,839 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $58,475,000 | 499 |
| Total interest expense | $33,440,000 | 284 |
| Net interest income | $25,035,000 | 788 |
| Provision for loan and lease losses | $3,159,000 | 369 |
| Total noninterest income | $8,180,000 | 709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,180,000 | 471 |
| Total noninterest expense | $32,263,000 | 534 |
| Salaries and employee benefits | $18,630,000 | 478 |
| Premises and equipment expense | $6,185,000 | 390 |
| Additional noninterest expense | $7,448,000 | 699 |
| Pre-tax net operating income | $-2,207,000 | 8,909 |
| Securities gains (losses) | $13,785,000 | 53 |
| Applicable income taxes | $4,063,000 | 698 |
| Income before extraordinary items | $7,515,000 | 872 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,515,000 | 873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,105,000 | 721 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,445,250 | 8,869 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $44,119,000 | 491 |
| Total interest expense | $25,371,000 | 277 |
| Net interest income | $18,748,000 | 780 |
| Provision for loan and lease losses | $2,550,000 | 357 |
| Total noninterest income | $4,954,000 | 850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,954,000 | 543 |
| Total noninterest expense | $23,443,000 | 546 |
| Salaries and employee benefits | $13,435,000 | 501 |
| Premises and equipment expense | $4,561,000 | 395 |
| Additional noninterest expense | $5,447,000 | 706 |
| Pre-tax net operating income | $-2,291,000 | 8,981 |
| Securities gains (losses) | $10,330,000 | 57 |
| Applicable income taxes | $2,864,000 | 747 |
| Income before extraordinary items | $5,175,000 | 959 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,175,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $839,000 | 645 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-1,436,200 | 8,947 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $28,862,000 | 497 |
| Total interest expense | $16,807,000 | 276 |
| Net interest income | $12,055,000 | 804 |
| Provision for loan and lease losses | $1,575,000 | 372 |
| Total noninterest income | $3,204,000 | 869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,204,000 | 570 |
| Total noninterest expense | $15,003,000 | 566 |
| Salaries and employee benefits | $8,775,000 | 511 |
| Premises and equipment expense | $2,981,000 | 402 |
| Additional noninterest expense | $3,247,000 | 768 |
| Pre-tax net operating income | $-1,319,000 | 9,020 |
| Securities gains (losses) | $6,204,000 | 66 |
| Applicable income taxes | $1,732,000 | 813 |
| Income before extraordinary items | $3,153,000 | 1,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,153,000 | 1,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 737 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-879,600 | 8,982 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $15,003,000 | 485 |
| Total interest expense | $8,485,000 | 278 |
| Net interest income | $6,518,000 | 741 |
| Provision for loan and lease losses | $675,000 | 411 |
| Total noninterest income | $457,000 | 2,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $457,000 | 1,384 |
| Total noninterest expense | $6,839,000 | 624 |
| Salaries and employee benefits | $4,018,000 | 556 |
| Premises and equipment expense | $1,434,000 | 422 |
| Additional noninterest expense | $1,387,000 | 893 |
| Pre-tax net operating income | $-539,000 | 9,047 |
| Securities gains (losses) | $2,851,000 | 90 |
| Applicable income taxes | $809,000 | 884 |
| Income before extraordinary items | $1,503,000 | 1,089 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,503,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 516 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-350,150 | 8,992 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $59,511,000 | 482 |
| Total interest expense | $43,008,000 | 249 |
| Net interest income | $16,503,000 | 1,173 |
| Provision for loan and lease losses | $3,900,000 | 390 |
| Total noninterest income | $9,115,000 | 707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,115,000 | 483 |
| Total noninterest expense | $29,828,000 | 571 |
| Salaries and employee benefits | $14,531,000 | 597 |
| Premises and equipment expense | $5,618,000 | 426 |
| Additional noninterest expense | $9,679,000 | 570 |
| Pre-tax net operating income | $-8,110,000 | 9,157 |
| Securities gains (losses) | $20,106,000 | 71 |
| Applicable income taxes | $4,285,000 | 701 |
| Income before extraordinary items | $7,711,000 | 844 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,711,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,965,000 | 408 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-5,156,840 | 9,134 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $45,292,000 | 488 |
| Total interest expense | $34,023,000 | 249 |
| Net interest income | $11,269,000 | 1,305 |
| Provision for loan and lease losses | $1,800,000 | 562 |
| Total noninterest income | $2,795,000 | 1,447 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,795,000 | 966 |
| Total noninterest expense | $23,284,000 | 566 |
| Salaries and employee benefits | $10,579,000 | 628 |
| Premises and equipment expense | $4,330,000 | 421 |
| Additional noninterest expense | $8,375,000 | 515 |
| Pre-tax net operating income | $-11,020,000 | 9,226 |
| Securities gains (losses) | $16,567,000 | 75 |
| Applicable income taxes | $1,902,000 | 1,102 |
| Income before extraordinary items | $3,645,000 | 1,369 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,645,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,261,000 | 400 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-7,289,220 | 9,204 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $31,277,000 | 482 |
| Total interest expense | $23,793,000 | 248 |
| Net interest income | $7,484,000 | 1,308 |
| Provision for loan and lease losses | $1,200,000 | 559 |
| Total noninterest income | $1,851,000 | 1,445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,851,000 | 970 |
| Total noninterest expense | $16,727,000 | 544 |
| Salaries and employee benefits | $6,732,000 | 651 |
| Premises and equipment expense | $2,845,000 | 428 |
| Additional noninterest expense | $7,150,000 | 436 |
| Pre-tax net operating income | $-8,592,000 | 9,260 |
| Securities gains (losses) | $12,266,000 | 75 |
| Applicable income taxes | $1,260,000 | 1,128 |
| Income before extraordinary items | $2,414,000 | 1,371 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,414,000 | 1,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,250,000 | 450 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-5,681,560 | 9,243 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $16,521,000 | 471 |
| Total interest expense | $12,419,000 | 247 |
| Net interest income | $4,102,000 | 1,193 |
| Provision for loan and lease losses | $600,000 | 538 |
| Total noninterest income | $860,000 | 1,492 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $860,000 | 991 |
| Total noninterest expense | $5,410,000 | 762 |
| Salaries and employee benefits | $3,016,000 | 719 |
| Premises and equipment expense | $1,428,000 | 431 |
| Additional noninterest expense | $966,000 | 1,264 |
| Pre-tax net operating income | $-1,048,000 | 9,265 |
| Securities gains (losses) | $3,517,000 | 104 |
| Applicable income taxes | $867,000 | 900 |
| Income before extraordinary items | $1,602,000 | 1,042 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,602,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 509 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-684,050 | 9,237 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $69,373,000 | 472 |
| Total interest expense | $50,580,000 | 274 |
| Net interest income | $18,793,000 | 1,030 |
| Provision for loan and lease losses | $2,940,000 | 556 |
| Total noninterest income | $4,364,000 | 1,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,364,000 | 764 |
| Total noninterest expense | $21,419,000 | 747 |
| Salaries and employee benefits | $8,517,000 | 952 |
| Premises and equipment expense | $5,969,000 | 409 |
| Additional noninterest expense | $6,933,000 | 739 |
| Pre-tax net operating income | $-1,202,000 | 9,167 |
| Securities gains (losses) | $7,904,000 | 123 |
| Applicable income taxes | $2,482,000 | 1,077 |
| Income before extraordinary items | $4,220,000 | 1,471 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,220,000 | 1,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,274,000 | 780 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-838,560 | 9,108 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $73,436,000 | 493 |
| Total interest expense | $67,369,000 | 298 |
| Net interest income | $6,067,000 | 2,922 |
| Provision for loan and lease losses | $896,000 | 1,369 |
| Total noninterest income | $5,600,000 | 893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,600,000 | 605 |
| Total noninterest expense | $21,685,000 | 715 |
| Salaries and employee benefits | $6,501,000 | 1,139 |
| Premises and equipment expense | $5,879,000 | 399 |
| Additional noninterest expense | $9,305,000 | 609 |
| Pre-tax net operating income | $-10,914,000 | 9,593 |
| Securities gains (losses) | $-336,000 | 9,565 |
| Applicable income taxes | $-5,138,000 | 9,596 |
| Income before extraordinary items | $-6,112,000 | 9,576 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-6,112,000 | 9,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,514 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-5,896,960 | 9,567 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $51,083,000 | 715 |
| Total interest expense | $56,623,000 | 385 |
| Net interest income | $-5,540,000 | 9,904 |
| Provision for loan and lease losses | $1,100,000 | 984 |
| Total noninterest income | $3,229,000 | 1,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,229,000 | 823 |
| Total noninterest expense | $31,670,000 | 507 |
| Salaries and employee benefits | $8,492,000 | 827 |
| Premises and equipment expense | $7,539,000 | 322 |
| Additional noninterest expense | $15,639,000 | 424 |
| Pre-tax net operating income | $-35,081,000 | 9,908 |
| Securities gains (losses) | $-5,832,000 | 9,842 |
| Applicable income taxes | $-9,918,000 | 9,892 |
| Income before extraordinary items | $-30,995,000 | 9,892 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-30,995,000 | 9,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 9,654 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-26,562,680 | 9,892 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $40,585,000 | 833 |
| Total interest expense | $35,346,000 | 497 |
| Net interest income | $5,239,000 | 3,315 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $10,100,000 | 616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $10,100,000 | 441 |
| Total noninterest expense | $34,759,000 | 490 |
| Salaries and employee benefits | $11,392,000 | 632 |
| Premises and equipment expense | $5,724,000 | 405 |
| Additional noninterest expense | $17,643,000 | 399 |
| Pre-tax net operating income | $-19,420,000 | 10,230 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $133,000 | 6,472 |
| Income before extraordinary items | $-19,553,000 | 10,216 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-19,553,000 | 10,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,288 |
| Cash dividends | $23,500,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-19,553,000 | 10,215 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $59,657,000 | 599 |
| Total interest expense | $50,269,000 | 392 |
| Net interest income | $9,388,000 | 1,824 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $46,552,000 | 241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $46,552,000 | 189 |
| Total noninterest expense | $99,040,000 | 229 |
| Salaries and employee benefits | $11,828,000 | 596 |
| Premises and equipment expense | $4,839,000 | 457 |
| Additional noninterest expense | $82,373,000 | 160 |
| Pre-tax net operating income | $-43,100,000 | 10,480 |
| Securities gains (losses) | $66,371,000 | 15 |
| Applicable income taxes | $2,255,000 | 1,113 |
| Income before extraordinary items | $21,016,000 | 321 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $21,016,000 | 323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $86,900,000 | 99 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-38,717,900 | 10,459 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $196,368,000 | 242 |
| Total interest expense | $146,017,000 | 181 |
| Net interest income | $50,351,000 | 406 |
| Provision for loan and lease losses | $1,342,000 | 789 |
| Total noninterest income | $8,644,000 | 629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $8,644,000 | 454 |
| Total noninterest expense | $43,022,000 | 380 |
| Salaries and employee benefits | $9,753,000 | 705 |
| Premises and equipment expense | $3,399,000 | 608 |
| Additional noninterest expense | $29,870,000 | 263 |
| Pre-tax net operating income | $14,631,000 | 587 |
| Securities gains (losses) | $19,714,000 | 27 |
| Applicable income taxes | $8,233,000 | 414 |
| Income before extraordinary items | $26,112,000 | 281 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $26,112,000 | 281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-24,860,000 | 10,917 |
| Net operating income | $11,129,360 | 515 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $181,995,000 | 279 |
| Total interest expense | $128,803,000 | 219 |
| Net interest income | $53,192,000 | 420 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $12,720,000 | 509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $12,720,000 | 371 |
| Total noninterest expense | $76,707,000 | 300 |
| Salaries and employee benefits | $9,263,000 | 751 |
| Premises and equipment expense | $3,276,000 | 679 |
| Additional noninterest expense | $64,168,000 | 201 |
| Pre-tax net operating income | $-10,795,000 | 11,464 |
| Securities gains (losses) | $40,288,000 | 11 |
| Applicable income taxes | $12,100,000 | 318 |
| Income before extraordinary items | $17,393,000 | 378 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $17,393,000 | 378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,144,000 | 441 |
| Cash dividends | $12,500,000 | 370 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-8,391,320 | 11,437 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $137,529,000 | 348 |
| Total interest expense | $98,912,000 | 266 |
| Net interest income | $38,617,000 | 548 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $6,557,000 | 796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $6,557,000 | 556 |
| Total noninterest expense | $42,246,000 | 452 |
| Salaries and employee benefits | $8,861,000 | 792 |
| Premises and equipment expense | $3,402,000 | 669 |
| Additional noninterest expense | $29,983,000 | 325 |
| Pre-tax net operating income | $2,928,000 | 2,478 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,836,000 | 1,371 |
| Income before extraordinary items | $1,092,000 | 4,280 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,092,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $30,000,000 | 188 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,092,000 | 4,263 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $112,675,000 | 368 |
| Total interest expense | $59,818,000 | 327 |
| Net interest income | $52,857,000 | 421 |
| Provision for loan and lease losses | $-350,000 | 12,417 |
| Total noninterest income | $8,806,000 | 646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $8,806,000 | 452 |
| Total noninterest expense | $45,954,000 | 421 |
| Salaries and employee benefits | $9,130,000 | 761 |
| Premises and equipment expense | $3,211,000 | 711 |
| Additional noninterest expense | $33,613,000 | 305 |
| Pre-tax net operating income | $16,059,000 | 542 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $3,261,000 | 812 |
| Income before extraordinary items | $12,798,000 | 474 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $12,798,000 | 473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,389,000 | 494 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,534,000 | 266 |
| Net operating income | $12,798,000 | 476 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $119,973,000 | 347 |
| Total interest expense | $58,676,000 | 316 |
| Net interest income | $61,297,000 | 367 |
| Provision for loan and lease losses | $8,150,000 | 318 |
| Total noninterest income | $14,322,000 | 474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $14,322,000 | 343 |
| Total noninterest expense | $62,475,000 | 344 |
| Salaries and employee benefits | $9,875,000 | 712 |
| Premises and equipment expense | $4,117,000 | 587 |
| Additional noninterest expense | $48,483,000 | 246 |
| Pre-tax net operating income | $4,994,000 | 1,402 |
| Securities gains (losses) | $15,234,000 | 53 |
| Applicable income taxes | $5,640,000 | 490 |
| Income before extraordinary items | $14,588,000 | 396 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $14,588,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,711 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,243,000 | 334 |
| Net operating income | $3,619,520 | 1,321 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $187,299,000 | 274 |
| Total interest expense | $107,776,000 | 234 |
| Net interest income | $79,523,000 | 300 |
| Provision for loan and lease losses | $16,917,000 | 241 |
| Total noninterest income | $16,707,000 | 431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $16,707,000 | 313 |
| Total noninterest expense | $72,014,000 | 308 |
| Salaries and employee benefits | $10,308,000 | 684 |
| Premises and equipment expense | $5,665,000 | 466 |
| Additional noninterest expense | $56,041,000 | 223 |
| Pre-tax net operating income | $7,299,000 | 889 |
| Securities gains (losses) | $45,880,000 | 26 |
| Applicable income taxes | $21,991,000 | 133 |
| Income before extraordinary items | $31,188,000 | 192 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $31,188,000 | 195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,984,000 | 318 |
| Net operating income | $1,824,800 | 2,334 |
* 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.