Omnibank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,865,000 | 6,780 |
| Total interest expense | $1,620,000 | 7,079 |
| Net interest income | $2,245,000 | 6,446 |
| Provision for loan and lease losses | $1,874,000 | 617 |
| Total noninterest income | $504,000 | 4,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 4,862 |
| Total noninterest expense | $4,132,000 | 3,095 |
| Salaries and employee benefits | $1,431,000 | 4,420 |
| Premises and equipment expense | $578,000 | 3,257 |
| Additional noninterest expense | $2,123,000 | 1,992 |
| Pre-tax net operating income | $-3,257,000 | 10,914 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-3,257,000 | 10,899 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-3,257,000 | 10,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,828,000 | 537 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,450,000 | 412 |
| Net operating income | $-3,257,000 | 10,894 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,263,000 | 6,618 |
| Total interest expense | $1,931,000 | 6,563 |
| Net interest income | $2,332,000 | 6,512 |
| Provision for loan and lease losses | $774,000 | 1,232 |
| Total noninterest income | $593,000 | 4,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 4,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $281,000 | 4,236 |
| Total noninterest expense | $2,677,000 | 4,742 |
| Salaries and employee benefits | $1,292,000 | 4,879 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $983,000 | 4,462 |
| Pre-tax net operating income | $-526,000 | 11,245 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-526,000 | 11,276 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-526,000 | 11,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 2,150 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-526,000 | 11,246 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,470,000 | 9,021 |
| Total interest expense | $840,000 | 9,822 |
| Net interest income | $1,630,000 | 8,195 |
| Provision for loan and lease losses | $69,000 | 5,466 |
| Total noninterest income | $226,000 | 8,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $1,626,000 | 6,912 |
| Salaries and employee benefits | $839,000 | 6,898 |
| Premises and equipment expense | $316,000 | 5,409 |
| Additional noninterest expense | $471,000 | 7,511 |
| Pre-tax net operating income | $161,000 | 10,709 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $161,000 | 10,357 |
| Extraordinary gains, net | $131,000 | 15 |
| Net income | $292,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,265 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 293 |
| Net operating income | $161,000 | 10,331 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,771,000 | 10,229 |
| Total interest expense | $650,000 | 10,352 |
| Net interest income | $1,121,000 | 9,998 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $262,000 | 7,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,387 |
| Total noninterest expense | $1,330,000 | 8,142 |
| Salaries and employee benefits | $666,000 | 8,148 |
| Premises and equipment expense | $194,000 | 7,568 |
| Additional noninterest expense | $470,000 | 8,154 |
| Pre-tax net operating income | $33,000 | 11,976 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $33,000 | 11,905 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $33,000 | 11,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $33,000 | 11,948 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,603,000 | 10,991 |
| Total interest expense | $531,000 | 11,527 |
| Net interest income | $1,072,000 | 10,520 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $185,000 | 9,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,086,000 | 9,374 |
| Salaries and employee benefits | $525,000 | 9,422 |
| Premises and equipment expense | $133,000 | 9,383 |
| Additional noninterest expense | $428,000 | 8,947 |
| Pre-tax net operating income | $126,000 | 11,664 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $126,000 | 11,503 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $126,000 | 11,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $4,000 | 9,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $126,000 | 11,282 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 11,692 |
| Total interest expense | $581,000 | 12,388 |
| Net interest income | $1,033,000 | 10,972 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $198,000 | 9,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,281 |
| Total noninterest expense | $1,029,000 | 9,855 |
| Salaries and employee benefits | $514,000 | 9,638 |
| Premises and equipment expense | $145,000 | 9,267 |
| Additional noninterest expense | $370,000 | 9,943 |
| Pre-tax net operating income | $202,000 | 11,057 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $203,000 | 10,551 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $203,000 | 10,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $202,000 | 10,232 |
* 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.