MainBank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,915,000 | 3,606 |
| Total interest expense | $3,512,000 | 4,127 |
| Net interest income | $5,403,000 | 3,246 |
| Provision for loan and lease losses | $-21,000 | 10,646 |
| Total noninterest income | $1,456,000 | 2,256 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,369,000 | 929 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $87,000 | 7,166 |
| Total noninterest expense | $4,452,000 | 2,859 |
| Salaries and employee benefits | $2,191,000 | 3,026 |
| Premises and equipment expense | $990,000 | 1,990 |
| Additional noninterest expense | $1,271,000 | 3,184 |
| Pre-tax net operating income | $2,428,000 | 2,985 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $797,000 | 2,937 |
| Income before extraordinary items | $1,622,000 | 3,120 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,622,000 | 3,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,041 |
| Cash dividends | $11,150,000 | 340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,628,030 | 3,052 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,084,000 | 3,253 |
| Total interest expense | $3,836,000 | 3,863 |
| Net interest income | $6,248,000 | 2,837 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $1,792,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,265,000 | 1,038 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $527,000 | 2,820 |
| Total noninterest expense | $5,926,000 | 2,323 |
| Salaries and employee benefits | $3,274,000 | 2,016 |
| Premises and equipment expense | $803,000 | 2,444 |
| Additional noninterest expense | $1,849,000 | 2,633 |
| Pre-tax net operating income | $2,009,000 | 3,414 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $589,000 | 3,646 |
| Income before extraordinary items | $1,433,000 | 3,334 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,433,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 2,029 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,423,770 | 3,313 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,660,000 | 3,387 |
| Total interest expense | $3,690,000 | 3,963 |
| Net interest income | $5,970,000 | 2,985 |
| Provision for loan and lease losses | $139,000 | 3,796 |
| Total noninterest income | $2,175,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,242,000 | 1,070 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $933,000 | 1,896 |
| Total noninterest expense | $4,809,000 | 2,817 |
| Salaries and employee benefits | $2,709,000 | 2,466 |
| Premises and equipment expense | $547,000 | 3,477 |
| Additional noninterest expense | $1,553,000 | 3,004 |
| Pre-tax net operating income | $3,197,000 | 2,312 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $983,000 | 2,420 |
| Income before extraordinary items | $2,243,000 | 2,245 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,243,000 | 2,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,914 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,222,700 | 2,238 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,594,000 | 3,486 |
| Total interest expense | $3,160,000 | 3,772 |
| Net interest income | $5,434,000 | 3,297 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $3,032,000 | 1,358 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,333,000 | 988 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,699,000 | 1,262 |
| Total noninterest expense | $4,851,000 | 2,856 |
| Salaries and employee benefits | $2,603,000 | 2,559 |
| Premises and equipment expense | $520,000 | 3,675 |
| Additional noninterest expense | $1,728,000 | 2,928 |
| Pre-tax net operating income | $3,425,000 | 2,086 |
| Securities gains (losses) | $-839,000 | 12,365 |
| Applicable income taxes | $665,000 | 3,213 |
| Income before extraordinary items | $1,921,000 | 2,529 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,921,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,619 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,541,860 | 1,911 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,079,000 | 3,785 |
| Total interest expense | $2,837,000 | 4,319 |
| Net interest income | $5,242,000 | 3,417 |
| Provision for loan and lease losses | $297,000 | 3,058 |
| Total noninterest income | $2,874,000 | 1,518 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $656,000 | 2,084 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,218,000 | 1,173 |
| Total noninterest expense | $5,467,000 | 2,622 |
| Salaries and employee benefits | $2,376,000 | 2,782 |
| Premises and equipment expense | $697,000 | 2,890 |
| Additional noninterest expense | $2,394,000 | 2,333 |
| Pre-tax net operating income | $2,352,000 | 2,866 |
| Securities gains (losses) | $-19,000 | 12,913 |
| Applicable income taxes | $628,000 | 3,456 |
| Income before extraordinary items | $1,705,000 | 2,886 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,705,000 | 2,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 2,029 |
| Cash dividends | $3,202,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,718,870 | 2,715 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,135,000 | 3,807 |
| Total interest expense | $3,489,000 | 4,553 |
| Net interest income | $5,646,000 | 3,244 |
| Provision for loan and lease losses | $1,063,000 | 1,768 |
| Total noninterest income | $2,986,000 | 1,444 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,311,000 | 987 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,675,000 | 1,413 |
| Total noninterest expense | $7,600,000 | 1,952 |
| Salaries and employee benefits | $2,303,000 | 2,822 |
| Premises and equipment expense | $662,000 | 3,076 |
| Additional noninterest expense | $4,635,000 | 1,422 |
| Pre-tax net operating income | $-31,000 | 12,822 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $-20,000 | 13,425 |
| Income before extraordinary items | $11,000 | 12,831 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $11,000 | 12,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,188,000 | 1,402 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-3,080 | 12,693 |
* 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.