Nextbank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $117,400,000 | 348 |
| Total interest expense | $32,752,000 | 532 |
| Net interest income | $84,648,000 | 282 |
| Provision for loan and lease losses | $67,179,000 | 86 |
| Total noninterest income | $39,601,000 | 255 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $-46,027,000 | 9,613 |
| Additional Noninterest Income | $85,628,000 | 131 |
| Total noninterest expense | $148,024,000 | 172 |
| Salaries and employee benefits | $0 | 9,594 |
| Premises and equipment expense | $3,536,000 | 619 |
| Additional noninterest expense | $144,488,000 | 106 |
| Pre-tax net operating income | $-90,954,000 | 9,626 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-90,954,000 | 9,611 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-90,954,000 | 9,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,369,000 | 133 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-90,954,000 | 9,611 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $66,665,000 | 577 |
| Total interest expense | $36,122,000 | 536 |
| Net interest income | $30,543,000 | 601 |
| Provision for loan and lease losses | $57,140,000 | 82 |
| Total noninterest income | $83,465,000 | 172 |
| 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 | $83,465,000 | 139 |
| Total noninterest expense | $59,057,000 | 302 |
| Salaries and employee benefits | $0 | 9,881 |
| Premises and equipment expense | $739,000 | 2,749 |
| Additional noninterest expense | $58,318,000 | 189 |
| Pre-tax net operating income | $-2,189,000 | 9,830 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-2,189,000 | 9,830 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-2,189,000 | 9,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,153,000 | 157 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-2,189,000 | 9,832 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,824,000 | 2,731 |
| Total interest expense | $5,249,000 | 2,787 |
| Net interest income | $6,575,000 | 2,665 |
| Provision for loan and lease losses | $8,395,000 | 232 |
| Total noninterest income | $2,583,000 | 1,518 |
| 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 | $2,583,000 | 979 |
| Total noninterest expense | $15,847,000 | 905 |
| Salaries and employee benefits | $0 | 10,208 |
| Premises and equipment expense | $156,000 | 7,566 |
| Additional noninterest expense | $15,690,000 | 435 |
| Pre-tax net operating income | $-15,084,000 | 10,228 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-15,084,000 | 10,213 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-15,084,000 | 10,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,916,000 | 466 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-15,084,000 | 10,211 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $103,000 | 10,408 |
| Total interest expense | $35,000 | 10,356 |
| Net interest income | $68,000 | 10,406 |
| Provision for loan and lease losses | $-2,000 | 10,182 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $48,000 | 10,449 |
| Salaries and employee benefits | $0 | 10,448 |
| Premises and equipment expense | $0 | 10,432 |
| Additional noninterest expense | $48,000 | 10,393 |
| Pre-tax net operating income | $22,000 | 9,712 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $7,000 | 9,157 |
| Income before extraordinary items | $15,000 | 9,778 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,000 | 9,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $15,000 | 9,726 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $96,000 | 10,877 |
| Total interest expense | $28,000 | 10,851 |
| Net interest income | $68,000 | 10,876 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $5,000 | 10,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,669 |
| Total noninterest expense | $11,000 | 10,919 |
| Salaries and employee benefits | $0 | 10,906 |
| Premises and equipment expense | $0 | 10,895 |
| Additional noninterest expense | $11,000 | 10,910 |
| Pre-tax net operating income | $57,000 | 10,222 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $13,000 | 9,855 |
| Income before extraordinary items | $44,000 | 10,269 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $44,000 | 10,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $44,000 | 10,230 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $94,000 | 11,415 |
| Total interest expense | $28,000 | 11,388 |
| Net interest income | $66,000 | 11,414 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $0 | 11,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,390 |
| Total noninterest expense | $12,000 | 11,448 |
| Salaries and employee benefits | $0 | 11,440 |
| Premises and equipment expense | $0 | 11,418 |
| Additional noninterest expense | $12,000 | 11,446 |
| Pre-tax net operating income | $54,000 | 10,577 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $12,000 | 10,336 |
| Income before extraordinary items | $42,000 | 10,627 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $42,000 | 10,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $42,000 | 10,578 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $98,000 | 11,940 |
| Total interest expense | $32,000 | 11,915 |
| Net interest income | $66,000 | 11,937 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $0 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,920 |
| Total noninterest expense | $13,000 | 11,969 |
| Salaries and employee benefits | $1,000 | 11,963 |
| Premises and equipment expense | $0 | 11,950 |
| Additional noninterest expense | $12,000 | 11,965 |
| Pre-tax net operating income | $53,000 | 11,289 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $12,000 | 10,895 |
| Income before extraordinary items | $41,000 | 11,335 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $41,000 | 11,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $41,000 | 11,300 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $94,000 | 12,585 |
| Total interest expense | $25,000 | 12,564 |
| Net interest income | $69,000 | 12,580 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,000 | 12,542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 12,518 |
| Total noninterest expense | $13,000 | 12,603 |
| Salaries and employee benefits | $1,000 | 12,598 |
| Premises and equipment expense | $0 | 12,581 |
| Additional noninterest expense | $12,000 | 12,597 |
| Pre-tax net operating income | $57,000 | 11,878 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $10,000 | 11,373 |
| Income before extraordinary items | $47,000 | 11,825 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $47,000 | 11,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $47,000 | 11,860 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $57,000 | 13,266 |
| Total interest expense | $44,000 | 13,226 |
| Net interest income | $13,000 | 13,237 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $0 | 13,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 13,212 |
| Total noninterest expense | $10,000 | 13,278 |
| Salaries and employee benefits | $1,000 | 13,273 |
| Premises and equipment expense | $0 | 13,260 |
| Additional noninterest expense | $10,000 | 13,273 |
| Pre-tax net operating income | $2,000 | 12,382 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-4,000 | 12,750 |
| Income before extraordinary items | $6,000 | 12,499 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,000 | 12,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,000 | 12,361 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $56,000 | 13,913 |
| Total interest expense | $21,000 | 13,877 |
| Net interest income | $35,000 | 13,886 |
| Provision for loan and lease losses | $-4,000 | 13,439 |
| Total noninterest income | $4,000 | 13,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $10,000 | 13,926 |
| Salaries and employee benefits | $0 | 13,919 |
| Premises and equipment expense | $0 | 13,907 |
| Additional noninterest expense | $10,000 | 13,916 |
| Pre-tax net operating income | $33,000 | 12,515 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $7,000 | 12,453 |
| Income before extraordinary items | $26,000 | 12,737 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $26,000 | 12,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $26,000 | 12,501 |
* 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.