eosbank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,245,000 | 3,542 |
| Total interest expense | $6,707,000 | 2,389 |
| Net interest income | $2,538,000 | 5,668 |
| Provision for loan and lease losses | $195,000 | 4,194 |
| Total noninterest income | $35,000 | 9,312 |
| 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 | $35,000 | 8,190 |
| Total noninterest expense | $4,339,000 | 3,191 |
| Salaries and employee benefits | $1,474,000 | 4,576 |
| Premises and equipment expense | $682,000 | 3,015 |
| Additional noninterest expense | $2,183,000 | 2,061 |
| Pre-tax net operating income | $-1,961,000 | 9,485 |
| Securities gains (losses) | $113,000 | 1,657 |
| Applicable income taxes | $10,000 | 7,583 |
| Income before extraordinary items | $-1,858,000 | 9,512 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,858,000 | 9,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,971,000 | 9,500 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,375,000 | 2,420 |
| Total interest expense | $9,470,000 | 1,816 |
| Net interest income | $4,905,000 | 3,539 |
| Provision for loan and lease losses | $822,000 | 1,250 |
| Total noninterest income | $35,000 | 9,533 |
| 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 | $35,000 | 8,337 |
| Total noninterest expense | $5,747,000 | 2,376 |
| Salaries and employee benefits | $1,870,000 | 3,665 |
| Premises and equipment expense | $605,000 | 3,251 |
| Additional noninterest expense | $3,272,000 | 1,372 |
| Pre-tax net operating income | $-1,629,000 | 9,801 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $-1,623,000 | 9,806 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,623,000 | 9,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,630,000 | 9,807 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,992,000 | 3,225 |
| Total interest expense | $6,185,000 | 2,372 |
| Net interest income | $3,807,000 | 4,350 |
| Provision for loan and lease losses | $183,000 | 3,738 |
| Total noninterest income | $40,000 | 9,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,414 |
| Total noninterest expense | $3,305,000 | 3,892 |
| Salaries and employee benefits | $1,667,000 | 3,989 |
| Premises and equipment expense | $437,000 | 4,223 |
| Additional noninterest expense | $1,201,000 | 3,426 |
| Pre-tax net operating income | $359,000 | 7,791 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $359,000 | 7,234 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $359,000 | 7,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $358,000 | 7,208 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,417,000 | 5,366 |
| Total interest expense | $2,765,000 | 5,009 |
| Net interest income | $2,652,000 | 5,615 |
| Provision for loan and lease losses | $943,000 | 1,021 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $2,162,000 | 5,288 |
| Salaries and employee benefits | $1,203,000 | 5,065 |
| Premises and equipment expense | $293,000 | 5,454 |
| Additional noninterest expense | $666,000 | 5,358 |
| Pre-tax net operating income | $-453,000 | 10,159 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-454,000 | 10,209 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-454,000 | 10,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $168,000 | 702 |
| Net operating income | $-454,000 | 10,180 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $758,000 | 10,512 |
| Total interest expense | $103,000 | 10,777 |
| Net interest income | $655,000 | 10,049 |
| Provision for loan and lease losses | $204,000 | 3,400 |
| Total noninterest income | $5,000 | 10,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,669 |
| Total noninterest expense | $849,000 | 8,854 |
| Salaries and employee benefits | $340,000 | 9,660 |
| Premises and equipment expense | $68,000 | 9,770 |
| Additional noninterest expense | $441,000 | 7,008 |
| Pre-tax net operating income | $-393,000 | 10,695 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-393,000 | 10,721 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-393,000 | 10,721 |
| 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 | $13,386,000 | 63 |
| Net operating income | $-393,000 | 10,701 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $353,000 | 11,325 |
| Total interest expense | $121,000 | 11,315 |
| Net interest income | $232,000 | 11,305 |
| Provision for loan and lease losses | $-77,000 | 11,242 |
| Total noninterest income | $159,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,807 |
| Total noninterest expense | $444,000 | 10,816 |
| Salaries and employee benefits | $176,000 | 11,136 |
| Premises and equipment expense | $50,000 | 10,636 |
| Additional noninterest expense | $218,000 | 9,728 |
| Pre-tax net operating income | $24,000 | 10,696 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $23,000 | 10,727 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $23,000 | 10,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $23,000 | 10,669 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $740,000 | 11,589 |
| Total interest expense | $321,000 | 11,533 |
| Net interest income | $419,000 | 11,562 |
| Provision for loan and lease losses | $97,000 | 4,705 |
| Total noninterest income | $147,000 | 9,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,069 |
| Total noninterest expense | $557,000 | 10,773 |
| Salaries and employee benefits | $225,000 | 11,338 |
| Premises and equipment expense | $61,000 | 10,750 |
| Additional noninterest expense | $271,000 | 9,586 |
| Pre-tax net operating income | $-88,000 | 11,589 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-7,000 | 11,509 |
| Income before extraordinary items | $-81,000 | 11,593 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-81,000 | 11,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-81,000 | 11,571 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 11,521 |
| Total interest expense | $478,000 | 11,194 |
| Net interest income | $625,000 | 11,626 |
| Provision for loan and lease losses | $-20,000 | 11,841 |
| Total noninterest income | $235,000 | 8,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,759 |
| Total noninterest expense | $918,000 | 9,694 |
| Salaries and employee benefits | $314,000 | 11,073 |
| Premises and equipment expense | $58,000 | 11,368 |
| Additional noninterest expense | $546,000 | 7,455 |
| Pre-tax net operating income | $-38,000 | 12,152 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-72,000 | 12,260 |
| Income before extraordinary items | $34,000 | 11,896 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $34,000 | 11,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $34,000 | 11,937 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 10,968 |
| Total interest expense | $922,000 | 9,460 |
| Net interest income | $696,000 | 11,896 |
| Provision for loan and lease losses | $521,000 | 2,039 |
| Total noninterest income | $286,000 | 7,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,602 |
| Total noninterest expense | $1,131,000 | 9,199 |
| Salaries and employee benefits | $356,000 | 11,083 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $711,000 | 6,481 |
| Pre-tax net operating income | $-670,000 | 12,903 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-199,000 | 13,041 |
| Income before extraordinary items | $-471,000 | 12,885 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-471,000 | 12,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $682,000 | 1,462 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-471,000 | 12,826 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,544,000 | 9,823 |
| Total interest expense | $1,408,000 | 8,819 |
| Net interest income | $1,136,000 | 10,571 |
| Provision for loan and lease losses | $425,000 | 3,322 |
| Total noninterest income | $266,000 | 8,237 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,770 |
| Total noninterest expense | $1,644,000 | 7,420 |
| Salaries and employee benefits | $493,000 | 9,850 |
| Premises and equipment expense | $101,000 | 10,706 |
| Additional noninterest expense | $1,050,000 | 4,858 |
| Pre-tax net operating income | $-667,000 | 13,384 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-231,000 | 13,677 |
| Income before extraordinary items | $-436,000 | 13,350 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-436,000 | 13,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 2,776 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-436,000 | 13,243 |
* 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.