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Navigation Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,337,000 | 4,800 |
| Total interest expense | $1,842,000 | 6,470 |
| Net interest income | $4,495,000 | 3,741 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $1,458,000 | 2,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $888,000 | 2,024 |
| Total noninterest expense | $3,416,000 | 3,687 |
| Salaries and employee benefits | $1,926,000 | 3,456 |
| Premises and equipment expense | $668,000 | 2,883 |
| Additional noninterest expense | $822,000 | 4,589 |
| Pre-tax net operating income | $2,457,000 | 2,829 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $841,000 | 2,618 |
| Income before extraordinary items | $1,616,000 | 3,059 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,616,000 | 3,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,616,000 | 2,973 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,318,000 | 5,553 |
| Total interest expense | $1,461,000 | 7,443 |
| Net interest income | $3,857,000 | 4,372 |
| Provision for loan and lease losses | $170,000 | 3,857 |
| Total noninterest income | $788,000 | 3,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 4,805 |
| Total noninterest expense | $2,887,000 | 4,231 |
| Salaries and employee benefits | $1,739,000 | 3,761 |
| Premises and equipment expense | $476,000 | 3,877 |
| Additional noninterest expense | $672,000 | 5,374 |
| Pre-tax net operating income | $1,588,000 | 4,263 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $586,000 | 3,759 |
| Income before extraordinary items | $1,002,000 | 4,705 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,002,000 | 4,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,002,000 | 4,635 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,268,000 | 6,612 |
| Total interest expense | $1,203,000 | 8,368 |
| Net interest income | $3,065,000 | 5,348 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $625,000 | 4,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $2,580,000 | 4,884 |
| Salaries and employee benefits | $1,483,000 | 4,356 |
| Premises and equipment expense | $450,000 | 4,111 |
| Additional noninterest expense | $647,000 | 6,053 |
| Pre-tax net operating income | $1,020,000 | 5,662 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $386,000 | 5,000 |
| Income before extraordinary items | $634,000 | 6,074 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $634,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 11,059 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $634,000 | 6,013 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,391,000 | 7,691 |
| Total interest expense | $941,000 | 9,458 |
| Net interest income | $2,450,000 | 6,402 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $514,000 | 5,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,455 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,498 |
| Total noninterest expense | $2,142,000 | 5,696 |
| Salaries and employee benefits | $1,150,000 | 5,407 |
| Premises and equipment expense | $382,000 | 4,716 |
| Additional noninterest expense | $610,000 | 6,476 |
| Pre-tax net operating income | $762,000 | 6,995 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $260,000 | 6,512 |
| Income before extraordinary items | $502,000 | 7,237 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $502,000 | 7,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $502,000 | 7,207 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,468,000 | 8,955 |
| Total interest expense | $648,000 | 10,359 |
| Net interest income | $1,820,000 | 7,985 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $314,000 | 7,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $1,604,000 | 7,287 |
| Salaries and employee benefits | $842,000 | 6,965 |
| Premises and equipment expense | $272,000 | 6,144 |
| Additional noninterest expense | $490,000 | 7,947 |
| Pre-tax net operating income | $500,000 | 8,656 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $181,000 | 7,689 |
| Income before extraordinary items | $319,000 | 8,952 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $319,000 | 8,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $319,000 | 9,009 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 9,585 |
| Total interest expense | $640,000 | 10,920 |
| Net interest income | $1,658,000 | 8,617 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $294,000 | 7,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $1,174,000 | 8,991 |
| Salaries and employee benefits | $608,000 | 8,735 |
| Premises and equipment expense | $137,000 | 9,260 |
| Additional noninterest expense | $429,000 | 8,939 |
| Pre-tax net operating income | $708,000 | 7,326 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $226,000 | 7,158 |
| Income before extraordinary items | $485,000 | 7,674 |
| Extraordinary gains, net | $-68,000 | 12,813 |
| Net income | $417,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,557 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $482,960 | 7,439 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,431,000 | 10,037 |
| Total interest expense | $782,000 | 11,411 |
| Net interest income | $1,649,000 | 8,808 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $340,000 | 7,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 5,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,212,000 | 8,989 |
| Salaries and employee benefits | $613,000 | 8,701 |
| Premises and equipment expense | $133,000 | 9,598 |
| Additional noninterest expense | $466,000 | 8,795 |
| Pre-tax net operating income | $777,000 | 6,671 |
| Securities gains (losses) | $53,000 | 4,016 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $555,000 | 6,889 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $555,000 | 6,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 13,003 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $519,490 | 6,793 |
* 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.