PierBank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,476,000 | 6,080 |
| Total interest expense | $2,049,000 | 6,107 |
| Net interest income | $2,427,000 | 5,952 |
| Provision for loan and lease losses | $79,000 | 5,632 |
| Total noninterest income | $965,000 | 3,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $833,000 | 2,104 |
| Total noninterest expense | $2,566,000 | 4,680 |
| Salaries and employee benefits | $1,419,000 | 4,453 |
| Premises and equipment expense | $341,000 | 4,967 |
| Additional noninterest expense | $806,000 | 4,651 |
| Pre-tax net operating income | $747,000 | 6,305 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $288,000 | 5,275 |
| Income before extraordinary items | $459,000 | 6,856 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $459,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $78,000 | 6,533 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 833 |
| Net operating income | $459,000 | 6,750 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 7,046 |
| Total interest expense | $1,677,000 | 6,934 |
| Net interest income | $1,937,000 | 7,049 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $740,000 | 3,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $618,000 | 2,423 |
| Total noninterest expense | $2,082,000 | 5,498 |
| Salaries and employee benefits | $1,075,000 | 5,576 |
| Premises and equipment expense | $269,000 | 5,812 |
| Additional noninterest expense | $738,000 | 5,015 |
| Pre-tax net operating income | $571,000 | 7,551 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $242,000 | 6,338 |
| Income before extraordinary items | $329,000 | 8,159 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $329,000 | 8,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $182,000 | 689 |
| Net operating income | $329,000 | 8,110 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 8,257 |
| Total interest expense | $1,274,000 | 8,174 |
| Net interest income | $1,538,000 | 8,172 |
| Provision for loan and lease losses | $17,000 | 8,136 |
| Total noninterest income | $582,000 | 4,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $476,000 | 3,030 |
| Total noninterest expense | $1,719,000 | 6,572 |
| Salaries and employee benefits | $882,000 | 6,551 |
| Premises and equipment expense | $226,000 | 6,592 |
| Additional noninterest expense | $611,000 | 6,292 |
| Pre-tax net operating income | $384,000 | 8,611 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $159,000 | 7,745 |
| Income before extraordinary items | $234,000 | 8,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $234,000 | 8,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $308,000 | 524 |
| Net operating income | $228,240 | 8,961 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,270,000 | 9,301 |
| Total interest expense | $983,000 | 9,315 |
| Net interest income | $1,287,000 | 9,108 |
| Provision for loan and lease losses | $19,000 | 7,763 |
| Total noninterest income | $521,000 | 5,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 8,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $442,000 | 3,110 |
| Total noninterest expense | $1,342,000 | 7,759 |
| Salaries and employee benefits | $688,000 | 7,793 |
| Premises and equipment expense | $115,000 | 9,181 |
| Additional noninterest expense | $539,000 | 6,952 |
| Pre-tax net operating income | $447,000 | 8,765 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $-283,000 | 11,830 |
| Income before extraordinary items | $726,000 | 5,839 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $726,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,496 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 602 |
| Net operating income | $730,000 | 5,798 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,710,000 | 10,333 |
| Total interest expense | $604,000 | 10,580 |
| Net interest income | $1,106,000 | 10,041 |
| Provision for loan and lease losses | $49,000 | 6,214 |
| Total noninterest income | $497,000 | 5,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $432,000 | 3,251 |
| Total noninterest expense | $1,205,000 | 8,581 |
| Salaries and employee benefits | $548,000 | 8,973 |
| Premises and equipment expense | $139,000 | 8,849 |
| Additional noninterest expense | $518,000 | 7,682 |
| Pre-tax net operating income | $349,000 | 9,740 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $-378,000 | 12,458 |
| Income before extraordinary items | $726,000 | 5,759 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $726,000 | 5,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $727,000 | 5,826 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 11,156 |
| Total interest expense | $616,000 | 11,048 |
| Net interest income | $922,000 | 11,069 |
| Provision for loan and lease losses | $197,000 | 3,966 |
| Total noninterest income | $857,000 | 3,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $790,000 | 2,405 |
| Total noninterest expense | $1,291,000 | 8,545 |
| Salaries and employee benefits | $612,000 | 8,702 |
| Premises and equipment expense | $180,000 | 8,142 |
| Additional noninterest expense | $499,000 | 8,221 |
| Pre-tax net operating income | $291,000 | 10,311 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $26,000 | 11,482 |
| Income before extraordinary items | $265,000 | 9,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $265,000 | 10,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 4,228 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $265,000 | 9,616 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,752,000 | 11,417 |
| Total interest expense | $835,000 | 11,171 |
| Net interest income | $917,000 | 11,437 |
| Provision for loan and lease losses | $692,000 | 2,390 |
| Total noninterest income | $400,000 | 6,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 10,309 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $350,000 | 4,036 |
| Total noninterest expense | $1,332,000 | 8,553 |
| Salaries and employee benefits | $588,000 | 8,917 |
| Premises and equipment expense | $238,000 | 7,007 |
| Additional noninterest expense | $506,000 | 8,398 |
| Pre-tax net operating income | $-707,000 | 13,401 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $1,000 | 12,632 |
| Income before extraordinary items | $-711,000 | 13,463 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-711,000 | 13,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $596,000 | 2,182 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-708,000 | 13,379 |
* 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.