Q Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,408,000 | 9,797 |
| Total interest expense | $625,000 | 9,758 |
| Net interest income | $783,000 | 9,715 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $258,000 | 7,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,333 |
| Total noninterest expense | $727,000 | 9,307 |
| Salaries and employee benefits | $354,000 | 9,565 |
| Premises and equipment expense | $112,000 | 8,682 |
| Additional noninterest expense | $261,000 | 8,725 |
| Pre-tax net operating income | $214,000 | 9,506 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $21,000 | 9,704 |
| Income before extraordinary items | $193,000 | 9,220 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $193,000 | 9,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,989 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $193,000 | 9,178 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 10,506 |
| Total interest expense | $522,000 | 10,530 |
| Net interest income | $687,000 | 10,426 |
| Provision for loan and lease losses | $-100,000 | 11,258 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $637,000 | 10,041 |
| Salaries and employee benefits | $322,000 | 10,155 |
| Premises and equipment expense | $79,000 | 9,841 |
| Additional noninterest expense | $236,000 | 9,550 |
| Pre-tax net operating income | $246,000 | 9,509 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $8,000 | 10,393 |
| Income before extraordinary items | $238,000 | 8,930 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $238,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-198,000 | 11,332 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $238,000 | 8,874 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 11,252 |
| Total interest expense | $507,000 | 10,989 |
| Net interest income | $509,000 | 11,381 |
| Provision for loan and lease losses | $-100,000 | 11,704 |
| Total noninterest income | $59,000 | 11,185 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $502,000 | 11,012 |
| Salaries and employee benefits | $254,000 | 11,124 |
| Premises and equipment expense | $59,000 | 10,818 |
| Additional noninterest expense | $189,000 | 10,557 |
| Pre-tax net operating income | $166,000 | 10,678 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $13,000 | 10,879 |
| Income before extraordinary items | $152,000 | 10,444 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $152,000 | 10,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-140,000 | 11,798 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $152,920 | 10,417 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $897,000 | 11,898 |
| Total interest expense | $330,000 | 11,903 |
| Net interest income | $567,000 | 11,809 |
| Provision for loan and lease losses | $-350,000 | 12,417 |
| Total noninterest income | $49,000 | 11,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,191 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,845 |
| Total noninterest expense | $510,000 | 11,563 |
| Salaries and employee benefits | $238,000 | 11,770 |
| Premises and equipment expense | $65,000 | 11,133 |
| Additional noninterest expense | $207,000 | 11,059 |
| Pre-tax net operating income | $456,000 | 8,952 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $456,000 | 7,650 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $456,000 | 7,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-291,000 | 12,473 |
| Cash dividends | $350,000 | 4,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $456,000 | 7,703 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $885,000 | 12,523 |
| Total interest expense | $334,000 | 12,511 |
| Net interest income | $551,000 | 12,390 |
| Provision for loan and lease losses | $-450,000 | 13,160 |
| Total noninterest income | $49,000 | 12,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 10,719 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $491,000 | 12,216 |
| Salaries and employee benefits | $239,000 | 12,289 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $170,000 | 12,157 |
| Pre-tax net operating income | $559,000 | 8,236 |
| Securities gains (losses) | $-10,000 | 12,776 |
| Applicable income taxes | $230,000 | 7,102 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $230,000 | 908 |
| Net income | $549,000 | 7,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-185,000 | 13,097 |
| Cash dividends | $475,000 | 3,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $325,400 | 8,927 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 12,983 |
| Total interest expense | $445,000 | 12,999 |
| Net interest income | $577,000 | 12,819 |
| Provision for loan and lease losses | $-400,000 | 13,878 |
| Total noninterest income | $61,000 | 12,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 11,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $499,000 | 12,639 |
| Salaries and employee benefits | $226,000 | 12,873 |
| Premises and equipment expense | $75,000 | 11,682 |
| Additional noninterest expense | $198,000 | 12,265 |
| Pre-tax net operating income | $539,000 | 8,146 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $153,000 | 8,537 |
| Income before extraordinary items | $383,000 | 8,385 |
| Extraordinary gains, net | $153,000 | 552 |
| Net income | $536,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-112,000 | 13,750 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,130 | 8,010 |
* 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.