PFC Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $22,054,000 | 1,538 |
| Total interest expense | $11,365,000 | 1,425 |
| Net interest income | $10,689,000 | 1,668 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $725,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $499,000 | 2,843 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $226,000 | 4,686 |
| Total noninterest expense | $6,263,000 | 2,282 |
| Salaries and employee benefits | $2,933,000 | 2,562 |
| Premises and equipment expense | $984,000 | 2,175 |
| Additional noninterest expense | $2,346,000 | 1,924 |
| Pre-tax net operating income | $5,091,000 | 1,408 |
| Securities gains (losses) | $2,178,000 | 228 |
| Applicable income taxes | $2,156,000 | 1,103 |
| Income before extraordinary items | $5,113,000 | 1,069 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,113,000 | 1,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,304 |
| Cash dividends | $3,584,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,588,400 | 1,437 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,225,000 | 1,627 |
| Total interest expense | $11,293,000 | 1,519 |
| Net interest income | $9,932,000 | 1,771 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $584,000 | 4,474 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $449,000 | 2,972 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $6,222,000 | 2,210 |
| Salaries and employee benefits | $3,011,000 | 2,382 |
| Premises and equipment expense | $1,061,000 | 1,963 |
| Additional noninterest expense | $2,150,000 | 2,019 |
| Pre-tax net operating income | $4,234,000 | 1,733 |
| Securities gains (losses) | $1,000,000 | 161 |
| Applicable income taxes | $1,454,000 | 1,552 |
| Income before extraordinary items | $3,780,000 | 1,394 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,780,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $5,298,000 | 595 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,060,000 | 1,708 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,113,000 | 1,700 |
| Total interest expense | $9,765,000 | 1,540 |
| Net interest income | $9,348,000 | 1,871 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $591,000 | 4,468 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $434,000 | 2,986 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $157,000 | 5,495 |
| Total noninterest expense | $6,189,000 | 2,208 |
| Salaries and employee benefits | $2,922,000 | 2,400 |
| Premises and equipment expense | $1,125,000 | 1,819 |
| Additional noninterest expense | $2,142,000 | 2,033 |
| Pre-tax net operating income | $3,600,000 | 2,029 |
| Securities gains (losses) | $2,950,000 | 102 |
| Applicable income taxes | $1,855,000 | 1,317 |
| Income before extraordinary items | $4,695,000 | 1,167 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,695,000 | 1,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $1,006,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,571,000 | 2,021 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,329,000 | 1,868 |
| Total interest expense | $8,450,000 | 1,809 |
| Net interest income | $8,879,000 | 1,934 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $626,000 | 4,263 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $429,000 | 2,942 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $197,000 | 4,997 |
| Total noninterest expense | $5,989,000 | 2,179 |
| Salaries and employee benefits | $2,916,000 | 2,312 |
| Premises and equipment expense | $1,059,000 | 1,863 |
| Additional noninterest expense | $2,014,000 | 2,098 |
| Pre-tax net operating income | $3,316,000 | 2,174 |
| Securities gains (losses) | $3,001,000 | 179 |
| Applicable income taxes | $1,831,000 | 1,373 |
| Income before extraordinary items | $4,486,000 | 1,192 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,486,000 | 1,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,352 |
| Cash dividends | $1,034,000 | 2,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,355,290 | 2,143 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,565,000 | 2,097 |
| Total interest expense | $7,489,000 | 2,047 |
| Net interest income | $8,076,000 | 2,173 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $858,000 | 3,410 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $453,000 | 2,877 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $405,000 | 3,254 |
| Total noninterest expense | $5,856,000 | 2,198 |
| Salaries and employee benefits | $2,717,000 | 2,447 |
| Premises and equipment expense | $1,011,000 | 1,951 |
| Additional noninterest expense | $2,128,000 | 1,987 |
| Pre-tax net operating income | $2,998,000 | 2,498 |
| Securities gains (losses) | $1,065,000 | 268 |
| Applicable income taxes | $1,007,000 | 2,427 |
| Income before extraordinary items | $3,056,000 | 1,739 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,056,000 | 1,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,133 |
| Cash dividends | $995,000 | 2,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,257,250 | 2,266 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,923,000 | 2,401 |
| Total interest expense | $6,477,000 | 2,384 |
| Net interest income | $7,446,000 | 2,419 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $1,050,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $504,000 | 2,706 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $546,000 | 2,749 |
| Total noninterest expense | $6,735,000 | 2,068 |
| Salaries and employee benefits | $2,901,000 | 2,290 |
| Premises and equipment expense | $1,148,000 | 1,756 |
| Additional noninterest expense | $2,686,000 | 1,900 |
| Pre-tax net operating income | $1,686,000 | 3,960 |
| Securities gains (losses) | $1,053,000 | 243 |
| Applicable income taxes | $628,000 | 3,452 |
| Income before extraordinary items | $2,111,000 | 2,328 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,111,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,783 |
| Cash dividends | $809,000 | 2,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,300,190 | 3,572 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,078,000 | 2,993 |
| Total interest expense | $5,308,000 | 2,875 |
| Net interest income | $5,770,000 | 3,079 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $444,000 | 5,594 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $275,000 | 4,605 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $169,000 | 5,628 |
| Total noninterest expense | $5,715,000 | 2,384 |
| Salaries and employee benefits | $2,477,000 | 2,697 |
| Premises and equipment expense | $856,000 | 2,335 |
| Additional noninterest expense | $2,382,000 | 2,085 |
| Pre-tax net operating income | $449,000 | 8,753 |
| Securities gains (losses) | $1,078,000 | 215 |
| Applicable income taxes | $233,000 | 6,914 |
| Income before extraordinary items | $1,294,000 | 3,702 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,294,000 | 3,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,566 |
| Cash dividends | $781,000 | 2,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $377,700 | 8,245 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 6,761 |
| Total interest expense | $1,673,000 | 6,408 |
| Net interest income | $2,277,000 | 6,906 |
| Provision for loan and lease losses | $102,000 | 4,499 |
| Total noninterest income | $612,000 | 4,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $391,000 | 3,464 |
| Total noninterest expense | $2,239,000 | 5,652 |
| Salaries and employee benefits | $971,000 | 6,235 |
| Premises and equipment expense | $387,000 | 4,716 |
| Additional noninterest expense | $881,000 | 5,269 |
| Pre-tax net operating income | $548,000 | 8,326 |
| Securities gains (losses) | $1,511,000 | 119 |
| Applicable income taxes | $404,000 | 4,721 |
| Income before extraordinary items | $1,655,000 | 2,912 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,655,000 | 2,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,073 |
| Cash dividends | $8,221,000 | 396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $446,200 | 7,801 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,019,000 | 6,857 |
| Total interest expense | $1,539,000 | 7,080 |
| Net interest income | $2,480,000 | 6,585 |
| Provision for loan and lease losses | $152,000 | 4,601 |
| Total noninterest income | $609,000 | 4,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $396,000 | 3,778 |
| Total noninterest expense | $2,454,000 | 5,365 |
| Salaries and employee benefits | $1,129,000 | 5,513 |
| Premises and equipment expense | $388,000 | 4,834 |
| Additional noninterest expense | $937,000 | 5,203 |
| Pre-tax net operating income | $483,000 | 8,767 |
| Securities gains (losses) | $1,437,000 | 403 |
| Applicable income taxes | $477,000 | 4,356 |
| Income before extraordinary items | $1,443,000 | 3,366 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,443,000 | 3,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,853 |
| Cash dividends | $242,000 | 4,960 |
| Sale, conversion, retirement of capital stock, net | $570,000 | 573 |
| Net operating income | $365,250 | 8,525 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,204,000 | 7,238 |
| Total interest expense | $1,846,000 | 7,497 |
| Net interest income | $2,358,000 | 6,872 |
| Provision for loan and lease losses | $747,000 | 2,265 |
| Total noninterest income | $624,000 | 4,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $411,000 | 3,642 |
| Total noninterest expense | $2,170,000 | 5,991 |
| Salaries and employee benefits | $942,000 | 6,382 |
| Premises and equipment expense | $294,000 | 6,065 |
| Additional noninterest expense | $934,000 | 5,352 |
| Pre-tax net operating income | $65,000 | 12,314 |
| Securities gains (losses) | $312,000 | 1,498 |
| Applicable income taxes | $63,000 | 10,913 |
| Income before extraordinary items | $314,000 | 9,109 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $314,000 | 9,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $744,000 | 1,905 |
| Cash dividends | $192,000 | 5,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $55,040 | 12,243 |
* 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.