Home > Merrill Lynch Bank and Trust Company > Income and Expense

Merrill Lynch Bank and Trust Company, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$249,221,000	134
Total interest expense	$158,381,000	105
Net interest income	$90,840,000	173
Provision for loan and lease losses	$960,000	535
Total noninterest income	$252,956,000	58
Gross Fiduciary activities income	$59,099,000	30
Service charges on deposit accounts	$0	7,707
Trading account gains and fees	$6,513,000	42
Additional Noninterest Income	$187,344,000	54
Total noninterest expense	$72,559,000	180
Salaries and employee benefits	$14,242,000	358
Premises and equipment expense	$914,000	1,423
Additional noninterest expense	$57,403,000	115
Pre-tax net operating income	$270,277,000	55
Securities gains (losses)	$9,409,000	27
Applicable income taxes	$97,450,000	56
Income before extraordinary items	$182,236,000	56
Extraordinary gains, net	$0	39
Net income	$182,236,000	57
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$329,000	782
Cash dividends	$75,276,000	67
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$176,120,150	57
2006-03-31 (YTD Data)		Rank
Total interest income	$127,977,000	129
Total interest expense	$75,709,000	104
Net interest income	$52,268,000	159
Provision for loan and lease losses	$-95,000	8,663
Total noninterest income	$123,444,000	57
Gross Fiduciary activities income	$29,290,000	29
Service charges on deposit accounts	$0	7,698
Trading account gains and fees	$2,601,000	42
Additional Noninterest Income	$91,553,000	54
Total noninterest expense	$35,740,000	182
Salaries and employee benefits	$7,363,000	349
Premises and equipment expense	$453,000	1,434
Additional noninterest expense	$27,924,000	116
Pre-tax net operating income	$140,067,000	54
Securities gains (losses)	$2,332,000	47
Applicable income taxes	$49,973,000	53
Income before extraordinary items	$92,426,000	54
Extraordinary gains, net	$0	21
Net income	$92,426,000	55
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$252,000	528
Cash dividends	$75,276,000	38
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$90,910,200	55
2005-12-31 (YTD Data)		Rank
Total interest income	$418,821,000	134
Total interest expense	$244,248,000	99
Net interest income	$174,573,000	174
Provision for loan and lease losses	$2,893,000	376
Total noninterest income	$464,313,000	58
Gross Fiduciary activities income	$116,813,000	31
Service charges on deposit accounts	$0	7,759
Trading account gains and fees	$3,145,000	55
Additional Noninterest Income	$344,355,000	56
Total noninterest expense	$139,862,000	175
Salaries and employee benefits	$27,344,000	350
Premises and equipment expense	$2,092,000	1,176
Additional noninterest expense	$110,426,000	111
Pre-tax net operating income	$496,131,000	58
Securities gains (losses)	$11,290,000	50
Applicable income taxes	$175,853,000	58
Income before extraordinary items	$331,568,000	60
Extraordinary gains, net	$0	46
Net income	$331,568,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,831
Cash dividends	$400,301,000	34
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$324,229,500	60
2005-09-30 (YTD Data)		Rank
Total interest income	$330,952,000	123
Total interest expense	$182,063,000	99
Net interest income	$148,889,000	160
Provision for loan and lease losses	$2,592,000	302
Total noninterest income	$345,106,000	59
Gross Fiduciary activities income	$88,005,000	32
Service charges on deposit accounts	$0	7,794
Trading account gains and fees	$2,364,000	49
Additional Noninterest Income	$254,737,000	57
Total noninterest expense	$104,931,000	175
Salaries and employee benefits	$20,640,000	348
Premises and equipment expense	$1,538,000	1,179
Additional noninterest expense	$82,753,000	113
Pre-tax net operating income	$386,472,000	57
Securities gains (losses)	$11,607,000	45
Applicable income taxes	$138,665,000	57
Income before extraordinary items	$259,414,000	58
Extraordinary gains, net	$0	35
Net income	$259,414,000	58
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,184
Cash dividends	$325,026,000	30
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$251,869,450	59
2005-06-30 (YTD Data)		Rank
Total interest income	$215,515,000	123
Total interest expense	$118,422,000	96
Net interest income	$97,093,000	160
Provision for loan and lease losses	$2,795,000	207
Total noninterest income	$228,048,000	60
Gross Fiduciary activities income	$59,051,000	32
Service charges on deposit accounts	$0	7,790
Trading account gains and fees	$979,000	55
Additional Noninterest Income	$168,018,000	55
Total noninterest expense	$68,824,000	175
Salaries and employee benefits	$13,725,000	347
Premises and equipment expense	$1,031,000	1,162
Additional noninterest expense	$54,068,000	112
Pre-tax net operating income	$253,522,000	58
Securities gains (losses)	$10,565,000	37
Applicable income taxes	$92,167,000	59
Income before extraordinary items	$171,920,000	59
Extraordinary gains, net	$0	30
Net income	$171,920,000	59
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$174,751,000	32
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$165,052,750	60
2005-03-31 (YTD Data)		Rank
Total interest income	$101,288,000	127
Total interest expense	$54,608,000	100
Net interest income	$46,680,000	163
Provision for loan and lease losses	$1,005,000	254
Total noninterest income	$119,189,000	60
Gross Fiduciary activities income	$30,181,000	32
Service charges on deposit accounts	$0	7,845
Trading account gains and fees	$5,440,000	26
Additional Noninterest Income	$83,568,000	53
Total noninterest expense	$34,326,000	182
Salaries and employee benefits	$6,970,000	338
Premises and equipment expense	$527,000	1,149
Additional noninterest expense	$26,829,000	115
Pre-tax net operating income	$130,538,000	57
Securities gains (losses)	$7,202,000	28
Applicable income taxes	$49,287,000	54
Income before extraordinary items	$88,453,000	56
Extraordinary gains, net	$0	24
Net income	$88,453,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$99,775,000	33
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$83,843,720	59
2004-12-31 (YTD Data)		Rank
Total interest income	$280,881,000	156
Total interest expense	$94,938,000	137
Net interest income	$185,943,000	164
Provision for loan and lease losses	$828,000	1,249
Total noninterest income	$423,263,000	63
Gross Fiduciary activities income	$117,583,000	33
Service charges on deposit accounts	$0	7,912
Trading account gains and fees	$-14,772,000	8,972
Additional Noninterest Income	$320,452,000	58
Total noninterest expense	$143,265,000	178
Salaries and employee benefits	$26,913,000	347
Premises and equipment expense	$1,851,000	1,228
Additional noninterest expense	$114,501,000	111
Pre-tax net operating income	$465,113,000	63
Securities gains (losses)	$18,743,000	40
Applicable income taxes	$175,853,000	61
Income before extraordinary items	$308,003,000	65
Extraordinary gains, net	$0	34
Net income	$308,003,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,043
Cash dividends	$349,010,000	37
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$296,007,480	66
2004-09-30 (YTD Data)		Rank
Total interest income	$193,080,000	168
Total interest expense	$56,009,000	156
Net interest income	$137,071,000	165
Provision for loan and lease losses	$-42,000	8,830
Total noninterest income	$314,441,000	67
Gross Fiduciary activities income	$88,274,000	32
Service charges on deposit accounts	$0	7,933
Trading account gains and fees	$-12,823,000	9,020
Additional Noninterest Income	$238,990,000	60
Total noninterest expense	$105,422,000	184
Salaries and employee benefits	$19,071,000	361
Premises and equipment expense	$1,263,000	1,374
Additional noninterest expense	$85,088,000	114
Pre-tax net operating income	$346,132,000	68
Securities gains (losses)	$16,377,000	37
Applicable income taxes	$131,486,000	63
Income before extraordinary items	$231,023,000	68
Extraordinary gains, net	$0	26
Net income	$231,023,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$249,258,000	37
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$220,541,720	67
2004-06-30 (YTD Data)		Rank
Total interest income	$125,172,000	167
Total interest expense	$33,789,000	165
Net interest income	$91,383,000	161
Provision for loan and lease losses	$47,000	4,814
Total noninterest income	$213,418,000	67
Gross Fiduciary activities income	$58,908,000	33
Service charges on deposit accounts	$0	7,979
Trading account gains and fees	$-5,281,000	9,070
Additional Noninterest Income	$159,791,000	62
Total noninterest expense	$65,844,000	190
Salaries and employee benefits	$12,471,000	368
Premises and equipment expense	$831,000	1,394
Additional noninterest expense	$52,542,000	123
Pre-tax net operating income	$238,910,000	64
Securities gains (losses)	$12,643,000	40
Applicable income taxes	$93,260,000	59
Income before extraordinary items	$158,293,000	67
Extraordinary gains, net	$0	21
Net income	$158,293,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$149,506,000	38
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$150,201,480	69
2004-03-31 (YTD Data)		Rank
Total interest income	$66,187,000	159
Total interest expense	$17,797,000	159
Net interest income	$48,390,000	153
Provision for loan and lease losses	$109,000	1,985
Total noninterest income	$106,542,000	67
Gross Fiduciary activities income	$29,332,000	33
Service charges on deposit accounts	$0	7,976
Trading account gains and fees	$-957,000	9,100
Additional Noninterest Income	$78,167,000	58
Total noninterest expense	$32,988,000	187
Salaries and employee benefits	$6,426,000	367
Premises and equipment expense	$411,000	1,427
Additional noninterest expense	$26,151,000	121
Pre-tax net operating income	$121,835,000	60
Securities gains (losses)	$7,853,000	47
Applicable income taxes	$48,034,000	59
Income before extraordinary items	$81,654,000	67
Extraordinary gains, net	$0	16
Net income	$81,654,000	68
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$74,753,000	39
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$76,628,080	66
2003-12-31 (YTD Data)		Rank
Total interest income	$257,713,000	163
Total interest expense	$87,467,000	148
Net interest income	$170,246,000	162
Provision for loan and lease losses	$489,000	2,209
Total noninterest income	$381,703,000	75
Gross Fiduciary activities income	$118,394,000	31
Service charges on deposit accounts	$0	8,063
Trading account gains and fees	$123,000	121
Additional Noninterest Income	$263,186,000	73
Total noninterest expense	$96,416,000	223
Salaries and employee benefits	$20,728,000	435
Premises and equipment expense	$1,601,000	1,418
Additional noninterest expense	$74,087,000	152
Pre-tax net operating income	$455,044,000	65
Securities gains (losses)	$22,530,000	67
Applicable income taxes	$169,417,000	61
Income before extraordinary items	$308,157,000	66
Extraordinary gains, net	$0	54
Net income	$308,157,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$299,010,000	48
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$293,512,500	67
2003-09-30 (YTD Data)		Rank
Total interest income	$196,444,000	165
Total interest expense	$71,358,000	144
Net interest income	$125,086,000	170
Provision for loan and lease losses	$1,800,000	562
Total noninterest income	$286,461,000	76
Gross Fiduciary activities income	$89,005,000	30
Service charges on deposit accounts	$0	8,111
Trading account gains and fees	$3,413,000	55
Additional Noninterest Income	$194,043,000	71
Total noninterest expense	$69,231,000	231
Salaries and employee benefits	$15,143,000	458
Premises and equipment expense	$1,187,000	1,449
Additional noninterest expense	$52,901,000	157
Pre-tax net operating income	$340,516,000	60
Securities gains (losses)	$20,873,000	67
Applicable income taxes	$128,175,000	59
Income before extraordinary items	$233,214,000	64
Extraordinary gains, net	$0	40
Net income	$233,214,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$199,258,000	46
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$219,646,550	62
2003-06-30 (YTD Data)		Rank
Total interest income	$133,665,000	162
Total interest expense	$52,466,000	140
Net interest income	$81,199,000	170
Provision for loan and lease losses	$2,435,000	341
Total noninterest income	$187,857,000	74
Gross Fiduciary activities income	$59,711,000	30
Service charges on deposit accounts	$0	8,133
Trading account gains and fees	$-2,035,000	9,258
Additional Noninterest Income	$130,181,000	72
Total noninterest expense	$47,356,000	229
Salaries and employee benefits	$10,623,000	436
Premises and equipment expense	$837,000	1,372
Additional noninterest expense	$35,896,000	154
Pre-tax net operating income	$219,265,000	61
Securities gains (losses)	$8,056,000	104
Applicable income taxes	$80,320,000	61
Income before extraordinary items	$147,001,000	66
Extraordinary gains, net	$0	30
Net income	$147,001,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$174,505,000	37
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$141,764,600	62
2003-03-31 (YTD Data)		Rank
Total interest income	$71,698,000	157
Total interest expense	$28,614,000	136
Net interest income	$43,084,000	170
Provision for loan and lease losses	$-34,000	9,221
Total noninterest income	$91,356,000	70
Gross Fiduciary activities income	$30,082,000	28
Service charges on deposit accounts	$0	8,142
Trading account gains and fees	$-2,747,000	9,305
Additional Noninterest Income	$64,021,000	68
Total noninterest expense	$23,579,000	224
Salaries and employee benefits	$5,221,000	445
Premises and equipment expense	$446,000	1,296
Additional noninterest expense	$17,912,000	149
Pre-tax net operating income	$110,895,000	60
Securities gains (losses)	$3,436,000	108
Applicable income taxes	$41,623,000	61
Income before extraordinary items	$72,708,000	67
Extraordinary gains, net	$0	21
Net income	$72,708,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$99,753,000	31
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$70,508,960	64
2002-12-31 (YTD Data)		Rank
Total interest income	$391,967,000	136
Total interest expense	$179,374,000	116
Net interest income	$212,593,000	144
Provision for loan and lease losses	$-416,000	9,328
Total noninterest income	$360,696,000	69
Gross Fiduciary activities income	$127,288,000	29
Service charges on deposit accounts	$0	8,205
Trading account gains and fees	$-31,380,000	9,352
Additional Noninterest Income	$264,788,000	65
Total noninterest expense	$96,881,000	226
Salaries and employee benefits	$22,404,000	388
Premises and equipment expense	$2,070,000	1,067
Additional noninterest expense	$72,407,000	155
Pre-tax net operating income	$476,824,000	57
Securities gains (losses)	$38,274,000	45
Applicable income taxes	$183,945,000	53
Income before extraordinary items	$331,153,000	55
Extraordinary gains, net	$0	70
Net income	$331,153,000	54
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,779
Cash dividends	$530,872,000	26
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$306,657,640	61
2001-12-31 (YTD Data)		Rank
Total interest income	$735,253,000	94
Total interest expense	$598,562,000	62
Net interest income	$136,691,000	192
Provision for loan and lease losses	$-1,011,000	9,596
Total noninterest income	$355,708,000	74
Gross Fiduciary activities income	$124,602,000	30
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$-10,608,000	9,607
Additional Noninterest Income	$241,714,000	75
Total noninterest expense	$68,424,000	279
Salaries and employee benefits	$23,245,000	340
Premises and equipment expense	$1,991,000	1,062
Additional noninterest expense	$43,188,000	222
Pre-tax net operating income	$424,986,000	54
Securities gains (losses)	$11,895,000	76
Applicable income taxes	$155,590,000	56
Income before extraordinary items	$281,291,000	58
Extraordinary gains, net	$359,000	41
Net income	$281,650,000	57
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$367,524,000	31
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$273,678,200	53
2000-12-31 (YTD Data)		Rank
Total interest income	$506,813,000	132
Total interest expense	$445,870,000	92
Net interest income	$60,943,000	353
Provision for loan and lease losses	$-1,000	9,684
Total noninterest income	$8,794,000	637
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	$8,794,000	452
Total noninterest expense	$13,062,000	1,068
Salaries and employee benefits	$6,149,000	1,151
Premises and equipment expense	$96,000	8,515
Additional noninterest expense	$6,817,000	753
Pre-tax net operating income	$56,676,000	210
Securities gains (losses)	$0	1,956
Applicable income taxes	$19,217,000	215
Income before extraordinary items	$37,459,000	213
Extraordinary gains, net	$0	38
Net income	$37,459,000	212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	3,920
Cash dividends	$6,746,000	506
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$37,459,000	215
1999-12-31 (YTD Data)		Rank
Total interest income	$126,223,000	341
Total interest expense	$103,221,000	223
Net interest income	$23,002,000	773
Provision for loan and lease losses	$-107,000	10,110
Total noninterest income	$15,387,000	472
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$0	8,885
Trading account gains and fees	$0	173
Additional Noninterest Income	$15,387,000	357
Total noninterest expense	$8,536,000	1,609
Salaries and employee benefits	$3,512,000	1,996
Premises and equipment expense	$553,000	3,481
Additional noninterest expense	$4,471,000	1,056
Pre-tax net operating income	$29,960,000	362
Securities gains (losses)	$0	3,155
Applicable income taxes	$9,967,000	373
Income before extraordinary items	$19,993,000	369
Extraordinary gains, net	$0	35
Net income	$19,993,000	369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	2,166
Cash dividends	$90,000,000	97
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$19,993,000	362
1998-12-31 (YTD Data)		Rank
Total interest income	$87,830,000	446
Total interest expense	$66,829,000	312
Net interest income	$21,001,000	815
Provision for loan and lease losses	$-4,000	10,198
Total noninterest income	$15,489,000	442
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	$0	224
Additional Noninterest Income	$15,489,000	343
Total noninterest expense	$6,779,000	1,925
Salaries and employee benefits	$3,858,000	1,712
Premises and equipment expense	$533,000	3,520
Additional noninterest expense	$2,388,000	1,774
Pre-tax net operating income	$29,715,000	326
Securities gains (losses)	$0	4,449
Applicable income taxes	$10,580,000	334
Income before extraordinary items	$19,135,000	350
Extraordinary gains, net	$0	32
Net income	$19,135,000	350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	5,253
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$19,135,000	335
1997-12-31 (YTD Data)		Rank
Total interest income	$86,739,000	449
Total interest expense	$62,975,000	327
Net interest income	$23,764,000	764
Provision for loan and lease losses	$486,000	1,814
Total noninterest income	$15,233,000	422
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	$0	239
Additional Noninterest Income	$15,233,000	314
Total noninterest expense	$6,967,000	1,859
Salaries and employee benefits	$3,421,000	1,924
Premises and equipment expense	$528,000	3,534
Additional noninterest expense	$3,018,000	1,435
Pre-tax net operating income	$31,544,000	315
Securities gains (losses)	$0	3,944
Applicable income taxes	$11,751,000	315
Income before extraordinary items	$19,793,000	332
Extraordinary gains, net	$0	44
Net income	$19,793,000	332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	10,281
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$19,793,000	321
1996-12-31 (YTD Data)		Rank
Total interest income	$122,004,000	375
Total interest expense	$102,314,000	248
Net interest income	$19,690,000	942
Provision for loan and lease losses	$1,159,000	921
Total noninterest income	$14,749,000	465
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	$4,000	249
Additional Noninterest Income	$14,745,000	348
Total noninterest expense	$5,350,000	2,551
Salaries and employee benefits	$2,586,000	2,589
Premises and equipment expense	$542,000	3,526
Additional noninterest expense	$2,222,000	2,238
Pre-tax net operating income	$27,930,000	361
Securities gains (losses)	$7,000	2,762
Applicable income taxes	$7,854,000	425
Income before extraordinary items	$20,083,000	339
Extraordinary gains, net	$0	53
Net income	$20,083,000	339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,977
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$20,077,960	329
1995-12-31 (YTD Data)		Rank
Total interest income	$116,946,000	401
Total interest expense	$100,266,000	263
Net interest income	$16,680,000	1,101
Provision for loan and lease losses	$-117,000	11,746
Total noninterest income	$14,583,000	483
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	$67,000	307
Additional Noninterest Income	$14,516,000	350
Total noninterest expense	$12,077,000	1,207
Salaries and employee benefits	$1,912,000	3,438
Premises and equipment expense	$533,000	3,558
Additional noninterest expense	$9,632,000	707
Pre-tax net operating income	$19,303,000	496
Securities gains (losses)	$0	3,831
Applicable income taxes	$6,925,000	483
Income before extraordinary items	$12,378,000	512
Extraordinary gains, net	$0	65
Net income	$12,378,000	512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$12,378,000	506
1994-12-31 (YTD Data)		Rank
Total interest income	$79,354,000	477
Total interest expense	$61,026,000	321
Net interest income	$18,328,000	1,006
Provision for loan and lease losses	$-114,000	12,204
Total noninterest income	$16,778,000	413
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	$-53,000	4,850
Additional Noninterest Income	$16,831,000	310
Total noninterest expense	$11,695,000	1,266
Salaries and employee benefits	$1,830,000	3,564
Premises and equipment expense	$381,000	4,781
Additional noninterest expense	$9,484,000	731
Pre-tax net operating income	$23,525,000	412
Securities gains (losses)	$-31,000	10,677
Applicable income taxes	$9,578,000	354
Income before extraordinary items	$13,916,000	437
Extraordinary gains, net	$0	249
Net income	$13,916,000	436
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,270
Cash dividends	$6,000,000	492
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$13,935,840	444
1993-12-31 (YTD Data)		Rank
Total interest income	$67,872,000	532
Total interest expense	$46,300,000	380
Net interest income	$21,572,000	871
Provision for loan and lease losses	$23,000	8,904
Total noninterest income	$14,489,000	471
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	$0	532
Additional Noninterest Income	$14,489,000	339
Total noninterest expense	$12,927,000	1,199
Salaries and employee benefits	$2,114,000	3,100
Premises and equipment expense	$957,000	2,148
Additional noninterest expense	$9,856,000	771
Pre-tax net operating income	$23,111,000	365
Securities gains (losses)	$0	7,477
Applicable income taxes	$9,547,000	321
Income before extraordinary items	$13,564,000	420
Extraordinary gains, net	$0	3,149
Net income	$13,564,000	430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	3,170
Cash dividends	$12,000,000	246
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$13,564,000	398
1992-12-31 (YTD Data)		Rank
Total interest income	$68,103,000	601
Total interest expense	$54,625,000	409
Net interest income	$13,478,000	1,374
Provision for loan and lease losses	$162,000	5,880
Total noninterest income	$15,267,000	456
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	$0	504
Additional Noninterest Income	$15,267,000	333
Total noninterest expense	$9,549,000	1,605
Salaries and employee benefits	$1,841,000	3,475
Premises and equipment expense	$1,749,000	1,259
Additional noninterest expense	$5,959,000	1,146
Pre-tax net operating income	$19,034,000	355
Securities gains (losses)	$0	8,369
Applicable income taxes	$7,657,000	336
Income before extraordinary items	$11,377,000	435
Extraordinary gains, net	$0	1,422
Net income	$11,377,000	438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	4,713
Cash dividends	$19,900,000	133
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$11,377,000	398

* 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.