PonceBank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $111,431,000 | 370 |
| Total interest expense | $53,023,000 | 372 |
| Net interest income | $58,408,000 | 362 |
| Provision for loan and lease losses | $14,596,000 | 160 |
| Total noninterest income | $3,394,000 | 1,191 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,356,000 | 941 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,038,000 | 1,086 |
| Total noninterest expense | $35,601,000 | 440 |
| Salaries and employee benefits | $14,706,000 | 469 |
| Premises and equipment expense | $6,549,000 | 352 |
| Additional noninterest expense | $14,346,000 | 425 |
| Pre-tax net operating income | $11,605,000 | 720 |
| Securities gains (losses) | $2,107,000 | 176 |
| Applicable income taxes | $3,101,000 | 901 |
| Income before extraordinary items | $10,611,000 | 566 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,611,000 | 566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,675,000 | 171 |
| Cash dividends | $4,189,000 | 714 |
| Sale, conversion, retirement of capital stock, net | $622,000 | 509 |
| Net operating income | $8,988,610 | 625 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $106,364,000 | 407 |
| Total interest expense | $51,976,000 | 408 |
| Net interest income | $54,388,000 | 411 |
| Provision for loan and lease losses | $4,414,000 | 355 |
| Total noninterest income | $2,785,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,242,000 | 1,057 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,543,000 | 1,367 |
| Total noninterest expense | $39,355,000 | 464 |
| Salaries and employee benefits | $14,962,000 | 485 |
| Premises and equipment expense | $5,834,000 | 419 |
| Additional noninterest expense | $18,559,000 | 434 |
| Pre-tax net operating income | $13,404,000 | 620 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,154,000 | 1,153 |
| Income before extraordinary items | $11,250,000 | 522 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $11,250,000 | 524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,589,000 | 354 |
| Cash dividends | $3,497,000 | 856 |
| Sale, conversion, retirement of capital stock, net | $1,653,000 | 323 |
| Net operating income | $11,250,000 | 516 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $82,064,000 | 524 |
| Total interest expense | $42,666,000 | 505 |
| Net interest income | $39,398,000 | 539 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $3,042,000 | 1,350 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,018,000 | 1,328 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,024,000 | 1,118 |
| Total noninterest expense | $31,471,000 | 564 |
| Salaries and employee benefits | $13,475,000 | 534 |
| Premises and equipment expense | $5,015,000 | 487 |
| Additional noninterest expense | $12,981,000 | 556 |
| Pre-tax net operating income | $10,969,000 | 777 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $465,000 | 4,427 |
| Income before extraordinary items | $10,504,000 | 572 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,504,000 | 572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,713,000 | 386 |
| Cash dividends | $1,457,000 | 1,549 |
| Sale, conversion, retirement of capital stock, net | $411,000 | 397 |
| Net operating income | $10,504,000 | 562 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $70,499,000 | 525 |
| Total interest expense | $35,443,000 | 476 |
| Net interest income | $35,056,000 | 585 |
| Provision for loan and lease losses | $-200,000 | 12,313 |
| Total noninterest income | $4,739,000 | 959 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $962,000 | 1,397 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,777,000 | 763 |
| Total noninterest expense | $31,911,000 | 556 |
| Salaries and employee benefits | $11,645,000 | 617 |
| Premises and equipment expense | $4,397,000 | 543 |
| Additional noninterest expense | $15,869,000 | 512 |
| Pre-tax net operating income | $8,084,000 | 957 |
| Securities gains (losses) | $-402,000 | 12,190 |
| Applicable income taxes | $-1,722,000 | 12,548 |
| Income before extraordinary items | $9,404,000 | 598 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,404,000 | 597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,985,000 | 154 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 817 |
| Net operating income | $9,806,000 | 576 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $74,799,000 | 497 |
| Total interest expense | $39,038,000 | 431 |
| Net interest income | $35,761,000 | 566 |
| Provision for loan and lease losses | $2,309,000 | 729 |
| Total noninterest income | $5,466,000 | 920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $5,466,000 | 629 |
| Total noninterest expense | $32,824,000 | 575 |
| Salaries and employee benefits | $11,419,000 | 644 |
| Premises and equipment expense | $5,029,000 | 492 |
| Additional noninterest expense | $16,376,000 | 542 |
| Pre-tax net operating income | $6,094,000 | 1,142 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-1,664,000 | 13,208 |
| Income before extraordinary items | $7,758,000 | 677 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,758,000 | 701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,941,000 | 266 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $5,771,000 | 178 |
| Net operating income | $7,758,000 | 629 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $89,558,000 | 480 |
| Total interest expense | $53,219,000 | 420 |
| Net interest income | $36,339,000 | 572 |
| Provision for loan and lease losses | $4,514,000 | 633 |
| Total noninterest income | $7,168,000 | 750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $7,168,000 | 527 |
| Total noninterest expense | $37,083,000 | 515 |
| Salaries and employee benefits | $10,677,000 | 664 |
| Premises and equipment expense | $5,002,000 | 514 |
| Additional noninterest expense | $21,404,000 | 443 |
| Pre-tax net operating income | $1,910,000 | 3,239 |
| Securities gains (losses) | $286,000 | 1,578 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $2,196,000 | 2,093 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,196,000 | 2,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,427,000 | 502 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,910,000 | 2,224 |
* 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.