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Industrial Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 7,907 |
| Total interest expense | $525,000 | 10,033 |
| Net interest income | $2,358,000 | 6,276 |
| Provision for loan and lease losses | $870,000 | 1,113 |
| Total noninterest income | $974,000 | 3,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,834 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $857,000 | 1,938 |
| Total noninterest expense | $3,854,000 | 3,281 |
| Salaries and employee benefits | $1,610,000 | 3,997 |
| Premises and equipment expense | $811,000 | 2,390 |
| Additional noninterest expense | $1,433,000 | 2,855 |
| Pre-tax net operating income | $-1,392,000 | 10,877 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,000 | 10,009 |
| Income before extraordinary items | $-1,394,000 | 10,874 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,394,000 | 10,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $911,000 | 853 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-1,394,000 | 10,863 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,853,000 | 8,204 |
| Total interest expense | $470,000 | 10,682 |
| Net interest income | $2,383,000 | 6,414 |
| Provision for loan and lease losses | $245,000 | 2,976 |
| Total noninterest income | $1,455,000 | 2,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,312,000 | 1,501 |
| Total noninterest expense | $3,563,000 | 3,715 |
| Salaries and employee benefits | $1,623,000 | 4,013 |
| Premises and equipment expense | $773,000 | 2,536 |
| Additional noninterest expense | $1,167,000 | 3,870 |
| Pre-tax net operating income | $30,000 | 10,680 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $68,000 | 9,357 |
| Income before extraordinary items | $-38,000 | 10,905 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-38,000 | 10,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,483 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-38,000 | 10,864 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,676,000 | 7,334 |
| Total interest expense | $541,000 | 10,882 |
| Net interest income | $3,135,000 | 5,309 |
| Provision for loan and lease losses | $460,000 | 1,682 |
| Total noninterest income | $1,974,000 | 1,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,780,000 | 1,216 |
| Total noninterest expense | $4,418,000 | 3,035 |
| Salaries and employee benefits | $2,000,000 | 3,308 |
| Premises and equipment expense | $802,000 | 2,469 |
| Additional noninterest expense | $1,616,000 | 2,886 |
| Pre-tax net operating income | $231,000 | 10,256 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $-50,000 | 11,641 |
| Income before extraordinary items | $264,000 | 9,282 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $264,000 | 9,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,640 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $281,000 | 9,101 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,967,000 | 6,743 |
| Total interest expense | $941,000 | 8,940 |
| Net interest income | $3,026,000 | 5,582 |
| Provision for loan and lease losses | $1,123,000 | 857 |
| Total noninterest income | $2,394,000 | 1,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,597 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,018,000 | 1,125 |
| Total noninterest expense | $6,295,000 | 2,244 |
| Salaries and employee benefits | $2,343,000 | 2,825 |
| Premises and equipment expense | $819,000 | 2,483 |
| Additional noninterest expense | $3,133,000 | 1,739 |
| Pre-tax net operating income | $-1,998,000 | 12,521 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-18,000 | 12,119 |
| Income before extraordinary items | $-1,980,000 | 12,492 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,980,000 | 12,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,927,000 | 568 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,980,000 | 12,493 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,118,000 | 5,658 |
| Total interest expense | $1,406,000 | 7,521 |
| Net interest income | $3,712,000 | 4,716 |
| Provision for loan and lease losses | $402,000 | 2,451 |
| Total noninterest income | $2,265,000 | 1,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $585,000 | 2,345 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,680,000 | 1,410 |
| Total noninterest expense | $5,522,000 | 2,595 |
| Salaries and employee benefits | $2,785,000 | 2,393 |
| Premises and equipment expense | $842,000 | 2,427 |
| Additional noninterest expense | $1,895,000 | 2,853 |
| Pre-tax net operating income | $53,000 | 12,167 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $6,000 | 11,928 |
| Income before extraordinary items | $47,000 | 12,276 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $47,000 | 12,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 1,667 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $47,000 | 12,131 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,121,000 | 5,397 |
| Total interest expense | $2,339,000 | 6,312 |
| Net interest income | $3,782,000 | 4,682 |
| Provision for loan and lease losses | $3,519,000 | 758 |
| Total noninterest income | $1,189,000 | 2,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $656,000 | 2,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $533,000 | 3,059 |
| Total noninterest expense | $4,703,000 | 3,035 |
| Salaries and employee benefits | $2,306,000 | 2,816 |
| Premises and equipment expense | $792,000 | 2,629 |
| Additional noninterest expense | $1,605,000 | 3,393 |
| Pre-tax net operating income | $-3,251,000 | 13,730 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-3,251,000 | 13,748 |
| Extraordinary gains, net | $1,021,000 | 126 |
| Net income | $-2,230,000 | 13,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,249,000 | 697 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-3,251,000 | 13,708 |
* 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.