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Reliastar Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$5,206,000	5,425
Total interest expense	$2,836,000	4,801
Net interest income	$2,370,000	5,998
Provision for loan and lease losses	$93,000	5,398
Total noninterest income	$578,000	4,539
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$578,000	2,696
Total noninterest expense	$3,552,000	3,666
Salaries and employee benefits	$1,664,000	3,997
Premises and equipment expense	$451,000	4,112
Additional noninterest expense	$1,437,000	2,963
Pre-tax net operating income	$-697,000	9,968
Securities gains (losses)	$302,000	453
Applicable income taxes	$-48,000	9,822
Income before extraordinary items	$-347,000	9,805
Extraordinary gains, net	$0	35
Net income	$-347,000	9,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-612,760	9,950
1998-12-31 (YTD Data)		Rank
Total interest income	$5,478,000	5,319
Total interest expense	$1,822,000	6,512
Net interest income	$3,656,000	4,428
Provision for loan and lease losses	$38,000	7,037
Total noninterest income	$431,000	5,382
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$431,000	3,271
Total noninterest expense	$3,101,000	3,998
Salaries and employee benefits	$1,442,000	4,378
Premises and equipment expense	$386,000	4,555
Additional noninterest expense	$1,273,000	3,205
Pre-tax net operating income	$948,000	5,583
Securities gains (losses)	$452,000	592
Applicable income taxes	$666,000	3,142
Income before extraordinary items	$734,000	5,470
Extraordinary gains, net	$0	32
Net income	$734,000	5,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$675,000	2,913
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$444,720	6,849
1997-12-31 (YTD Data)		Rank
Total interest income	$3,281,000	7,415
Total interest expense	$1,668,000	6,964
Net interest income	$1,613,000	7,740
Provision for loan and lease losses	$28,000	7,514
Total noninterest income	$414,000	5,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$414,000	3,218
Total noninterest expense	$1,384,000	7,076
Salaries and employee benefits	$713,000	7,245
Premises and equipment expense	$277,000	5,702
Additional noninterest expense	$394,000	7,407
Pre-tax net operating income	$615,000	7,348
Securities gains (losses)	$95,000	1,002
Applicable income taxes	$263,000	6,125
Income before extraordinary items	$447,000	7,332
Extraordinary gains, net	$0	44
Net income	$447,000	7,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,223
Cash dividends	$60,000	7,029
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$386,200	7,678
1996-12-31 (YTD Data)		Rank
Total interest income	$3,049,000	7,934
Total interest expense	$1,641,000	7,233
Net interest income	$1,408,000	8,497
Provision for loan and lease losses	$28,000	7,549
Total noninterest income	$422,000	5,777
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$422,000	3,286
Total noninterest expense	$1,441,000	7,283
Salaries and employee benefits	$676,000	7,671
Premises and equipment expense	$210,000	6,860
Additional noninterest expense	$555,000	6,649
Pre-tax net operating income	$361,000	8,746
Securities gains (losses)	$24,000	1,866
Applicable income taxes	$149,000	7,882
Income before extraordinary items	$236,000	8,952
Extraordinary gains, net	$0	53
Net income	$236,000	8,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$290,000	4,644
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$220,640	9,050
1995-12-31 (YTD Data)		Rank
Total interest income	$2,935,000	8,307
Total interest expense	$1,788,000	6,932
Net interest income	$1,147,000	9,491
Provision for loan and lease losses	$26,000	7,298
Total noninterest income	$182,000	8,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$182,000	5,396
Total noninterest expense	$1,084,000	8,639
Salaries and employee benefits	$586,000	8,448
Premises and equipment expense	$219,000	6,844
Additional noninterest expense	$279,000	9,499
Pre-tax net operating income	$219,000	10,332
Securities gains (losses)	$246,000	598
Applicable income taxes	$142,000	8,417
Income before extraordinary items	$323,000	8,719
Extraordinary gains, net	$0	65
Net income	$323,000	8,722
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,925
Cash dividends	$120,000	6,469
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$153,260	10,412
1994-12-31 (YTD Data)		Rank
Total interest income	$2,591,000	8,744
Total interest expense	$1,411,000	7,175
Net interest income	$1,180,000	9,809
Provision for loan and lease losses	$40,000	6,585
Total noninterest income	$118,000	10,333
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$118,000	6,976
Total noninterest expense	$1,197,000	8,608
Salaries and employee benefits	$661,000	8,188
Premises and equipment expense	$225,000	6,963
Additional noninterest expense	$311,000	9,829
Pre-tax net operating income	$61,000	11,855
Securities gains (losses)	$271,000	407
Applicable income taxes	$77,000	9,880
Income before extraordinary items	$255,000	9,638
Extraordinary gains, net	$0	249
Net income	$255,000	9,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,198
Cash dividends	$135,000	6,330
Sale, conversion, retirement of capital stock, net	$168,000	721
Net operating income	$46,330	11,865
1993-12-31 (YTD Data)		Rank
Total interest income	$2,192,000	9,805
Total interest expense	$1,145,000	8,504
Net interest income	$1,047,000	10,606
Provision for loan and lease losses	$36,000	8,112
Total noninterest income	$67,000	12,150
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$67,000	9,213
Total noninterest expense	$1,069,000	9,443
Salaries and employee benefits	$587,000	8,919
Premises and equipment expense	$205,000	7,582
Additional noninterest expense	$277,000	10,732
Pre-tax net operating income	$9,000	12,353
Securities gains (losses)	$555,000	838
Applicable income taxes	$228,000	7,136
Income before extraordinary items	$336,000	9,075
Extraordinary gains, net	$-10,000	12,314
Net income	$326,000	9,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$30,000	8,419
Sale, conversion, retirement of capital stock, net	$600,000	561
Net operating income	$-19,200	12,453
1992-12-31 (YTD Data)		Rank
Total interest income	$2,092,000	10,713
Total interest expense	$1,255,000	9,405
Net interest income	$837,000	11,760
Provision for loan and lease losses	$33,000	9,854
Total noninterest income	$459,000	5,991
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$459,000	3,381
Total noninterest expense	$982,000	10,059
Salaries and employee benefits	$471,000	10,073
Premises and equipment expense	$162,000	8,785
Additional noninterest expense	$349,000	10,204
Pre-tax net operating income	$281,000	10,325
Securities gains (losses)	$54,000	3,989
Applicable income taxes	$134,000	9,024
Income before extraordinary items	$201,000	10,590
Extraordinary gains, net	$0	1,422
Net income	$201,000	10,720
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$166,440	10,713

* 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.