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Family Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $258,813,000 | 192 |
| Total interest expense | $144,497,000 | 179 |
| Net interest income | $114,316,000 | 211 |
| Provision for loan and lease losses | $249,000 | 3,066 |
| Total noninterest income | $50,105,000 | 230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $50,105,000 | 174 |
| Total noninterest expense | $104,725,000 | 216 |
| Salaries and employee benefits | $38,309,000 | 216 |
| Premises and equipment expense | $19,062,000 | 154 |
| Additional noninterest expense | $47,354,000 | 208 |
| Pre-tax net operating income | $59,447,000 | 221 |
| Securities gains (losses) | $-3,588,000 | 10,190 |
| Applicable income taxes | $19,928,000 | 229 |
| Income before extraordinary items | $35,931,000 | 241 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $35,931,000 | 242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,051,000 | 689 |
| Cash dividends | $18,547,000 | 263 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $38,227,320 | 226 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $99,762,000 | 397 |
| Total interest expense | $47,204,000 | 414 |
| Net interest income | $52,558,000 | 390 |
| Provision for loan and lease losses | $1,540,000 | 696 |
| Total noninterest income | $12,599,000 | 518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $12,599,000 | 388 |
| Total noninterest expense | $48,736,000 | 356 |
| Salaries and employee benefits | $18,380,000 | 412 |
| Premises and equipment expense | $8,431,000 | 280 |
| Additional noninterest expense | $21,925,000 | 331 |
| Pre-tax net operating income | $14,881,000 | 564 |
| Securities gains (losses) | $4,391,000 | 136 |
| Applicable income taxes | $2,025,000 | 1,252 |
| Income before extraordinary items | $17,247,000 | 370 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $17,247,000 | 370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,504,000 | 411 |
| Cash dividends | $14,106,000 | 305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $13,339,010 | 438 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $71,135,000 | 529 |
| Total interest expense | $31,857,000 | 553 |
| Net interest income | $39,278,000 | 493 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $7,175,000 | 722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $7,175,000 | 503 |
| Total noninterest expense | $28,830,000 | 532 |
| Salaries and employee benefits | $10,920,000 | 636 |
| Premises and equipment expense | $4,418,000 | 498 |
| Additional noninterest expense | $13,492,000 | 459 |
| Pre-tax net operating income | $17,623,000 | 505 |
| Securities gains (losses) | $640,000 | 373 |
| Applicable income taxes | $7,269,000 | 470 |
| Income before extraordinary items | $10,994,000 | 540 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,994,000 | 540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,902 |
| Cash dividends | $13,333,000 | 302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $10,584,400 | 551 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $52,298,000 | 708 |
| Total interest expense | $24,481,000 | 715 |
| Net interest income | $27,817,000 | 693 |
| Provision for loan and lease losses | $750,000 | 1,257 |
| Total noninterest income | $5,055,000 | 945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-44,000 | 4,667 |
| Additional Noninterest Income | $5,099,000 | 634 |
| Total noninterest expense | $21,370,000 | 749 |
| Salaries and employee benefits | $9,913,000 | 708 |
| Premises and equipment expense | $4,090,000 | 548 |
| Additional noninterest expense | $7,367,000 | 861 |
| Pre-tax net operating income | $10,752,000 | 746 |
| Securities gains (losses) | $-116,000 | 11,236 |
| Applicable income taxes | $4,321,000 | 652 |
| Income before extraordinary items | $6,315,000 | 853 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,315,000 | 854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,906 |
| Cash dividends | $2,977,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,389,240 | 822 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $52,005,000 | 739 |
| Total interest expense | $24,727,000 | 741 |
| Net interest income | $27,278,000 | 728 |
| Provision for loan and lease losses | $1,100,000 | 877 |
| Total noninterest income | $5,717,000 | 877 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,740,000 | 763 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,977,000 | 765 |
| Total noninterest expense | $20,808,000 | 761 |
| Salaries and employee benefits | $9,825,000 | 713 |
| Premises and equipment expense | $3,671,000 | 636 |
| Additional noninterest expense | $7,312,000 | 842 |
| Pre-tax net operating income | $11,087,000 | 767 |
| Securities gains (losses) | $528,000 | 339 |
| Applicable income taxes | $4,816,000 | 625 |
| Income before extraordinary items | $6,799,000 | 832 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,799,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,424,000 | 714 |
| Cash dividends | $4,904,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 507 |
| Net operating income | $6,461,080 | 851 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $45,582,000 | 759 |
| Total interest expense | $19,133,000 | 745 |
| Net interest income | $26,449,000 | 745 |
| Provision for loan and lease losses | $600,000 | 1,325 |
| Total noninterest income | $3,972,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,162,000 | 634 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,810,000 | 1,209 |
| Total noninterest expense | $19,979,000 | 808 |
| Salaries and employee benefits | $9,253,000 | 748 |
| Premises and equipment expense | $2,590,000 | 853 |
| Additional noninterest expense | $8,136,000 | 809 |
| Pre-tax net operating income | $9,842,000 | 808 |
| Securities gains (losses) | $-1,016,000 | 12,404 |
| Applicable income taxes | $3,479,000 | 765 |
| Income before extraordinary items | $5,347,000 | 961 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,347,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,049,000 | 841 |
| Cash dividends | $2,000,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 844 |
| Net operating income | $5,997,240 | 877 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $42,454,000 | 796 |
| Total interest expense | $18,798,000 | 751 |
| Net interest income | $23,656,000 | 804 |
| Provision for loan and lease losses | $1,471,000 | 1,017 |
| Total noninterest income | $6,126,000 | 851 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,016,000 | 678 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,110,000 | 789 |
| Total noninterest expense | $19,342,000 | 868 |
| Salaries and employee benefits | $8,953,000 | 774 |
| Premises and equipment expense | $2,367,000 | 936 |
| Additional noninterest expense | $8,022,000 | 896 |
| Pre-tax net operating income | $8,969,000 | 822 |
| Securities gains (losses) | $2,606,000 | 262 |
| Applicable income taxes | $4,365,000 | 601 |
| Income before extraordinary items | $7,210,000 | 724 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,210,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,709,000 | 794 |
| Cash dividends | $11,750,000 | 253 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 920 |
| Net operating income | $5,542,160 | 885 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $47,229,000 | 822 |
| Total interest expense | $24,782,000 | 758 |
| Net interest income | $22,447,000 | 853 |
| Provision for loan and lease losses | $2,553,000 | 951 |
| Total noninterest income | $6,328,000 | 825 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,701,000 | 779 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $4,627,000 | 716 |
| Total noninterest expense | $20,505,000 | 831 |
| Salaries and employee benefits | $8,164,000 | 834 |
| Premises and equipment expense | $2,392,000 | 962 |
| Additional noninterest expense | $9,949,000 | 771 |
| Pre-tax net operating income | $5,717,000 | 1,136 |
| Securities gains (losses) | $1,334,000 | 530 |
| Applicable income taxes | $2,291,000 | 1,006 |
| Income before extraordinary items | $4,760,000 | 999 |
| Extraordinary gains, net | $2,901,000 | 55 |
| Net income | $7,661,000 | 619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,730,000 | 635 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 863 |
| Net operating income | $3,852,880 | 1,126 |
* 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.