Omni Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 7,068 |
| Total interest expense | $1,822,000 | 6,629 |
| Net interest income | $1,763,000 | 7,397 |
| Provision for loan and lease losses | $126,000 | 4,509 |
| Total noninterest income | $433,000 | 5,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $229,000 | 4,621 |
| Total noninterest expense | $1,283,000 | 7,397 |
| Salaries and employee benefits | $590,000 | 7,986 |
| Premises and equipment expense | $224,000 | 6,433 |
| Additional noninterest expense | $469,000 | 6,765 |
| Pre-tax net operating income | $787,000 | 6,593 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $231,000 | 6,485 |
| Income before extraordinary items | $557,000 | 6,623 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $557,000 | 6,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $74,000 | 6,885 |
| Sale, conversion, retirement of capital stock, net | $-28,000 | 10,742 |
| Net operating income | $556,290 | 6,573 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,808,000 | 8,264 |
| Total interest expense | $1,357,000 | 7,939 |
| Net interest income | $1,451,000 | 8,383 |
| Provision for loan and lease losses | $92,000 | 5,306 |
| Total noninterest income | $250,000 | 7,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,076 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,815 |
| Total noninterest expense | $1,013,000 | 8,631 |
| Salaries and employee benefits | $469,000 | 9,113 |
| Premises and equipment expense | $167,000 | 7,688 |
| Additional noninterest expense | $377,000 | 8,080 |
| Pre-tax net operating income | $596,000 | 7,439 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $207,000 | 7,036 |
| Income before extraordinary items | $389,000 | 7,718 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $389,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $389,000 | 7,660 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,149,000 | 9,497 |
| Total interest expense | $1,000,000 | 9,256 |
| Net interest income | $1,149,000 | 9,481 |
| Provision for loan and lease losses | $63,000 | 5,638 |
| Total noninterest income | $200,000 | 8,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,138 |
| Total noninterest expense | $918,000 | 9,295 |
| Salaries and employee benefits | $411,000 | 9,860 |
| Premises and equipment expense | $238,000 | 6,542 |
| Additional noninterest expense | $269,000 | 9,604 |
| Pre-tax net operating income | $368,000 | 9,286 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $141,000 | 8,433 |
| Income before extraordinary items | $227,000 | 9,641 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $227,000 | 9,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 400 |
| Net operating income | $227,000 | 9,612 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 10,940 |
| Total interest expense | $549,000 | 10,852 |
| Net interest income | $849,000 | 10,885 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $178,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,409 |
| Total noninterest expense | $731,000 | 10,557 |
| Salaries and employee benefits | $319,000 | 11,029 |
| Premises and equipment expense | $98,000 | 10,100 |
| Additional noninterest expense | $314,000 | 9,794 |
| Pre-tax net operating income | $246,000 | 10,528 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-19,000 | 12,122 |
| Income before extraordinary items | $265,000 | 9,542 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $265,000 | 9,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $265,000 | 9,597 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 12,306 |
| Total interest expense | $429,000 | 12,076 |
| Net interest income | $565,000 | 12,348 |
| Provision for loan and lease losses | $48,000 | 7,582 |
| Total noninterest income | $137,000 | 10,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $581,000 | 11,745 |
| Salaries and employee benefits | $252,000 | 12,167 |
| Premises and equipment expense | $89,000 | 10,821 |
| Additional noninterest expense | $240,000 | 11,201 |
| Pre-tax net operating income | $73,000 | 12,034 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $80,000 | 12,012 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $80,000 | 12,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 738 |
| Net operating income | $73,000 | 11,906 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $679,000 | 13,518 |
| Total interest expense | $326,000 | 13,411 |
| Net interest income | $353,000 | 13,500 |
| Provision for loan and lease losses | $39,000 | 9,563 |
| Total noninterest income | $82,000 | 12,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 11,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $457,000 | 12,875 |
| Salaries and employee benefits | $215,000 | 12,994 |
| Premises and equipment expense | $75,000 | 11,682 |
| Additional noninterest expense | $167,000 | 12,697 |
| Pre-tax net operating income | $-61,000 | 12,879 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-61,000 | 13,012 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-61,000 | 13,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 685 |
| Net operating income | $-61,000 | 12,838 |
* 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.