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Roosevelt Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$640,352,000	105
Total interest expense	$449,396,000	67
Net interest income	$190,956,000	165
Provision for loan and lease losses	$1,613,000	727
Total noninterest income	$47,273,000	243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-3,856,000	4,713
Additional Noninterest Income	$51,129,000	172
Total noninterest expense	$159,584,000	174
Salaries and employee benefits	$40,334,000	225
Premises and equipment expense	$19,346,000	174
Additional noninterest expense	$99,904,000	150
Pre-tax net operating income	$77,032,000	183
Securities gains (losses)	$-59,044,000	11,454
Applicable income taxes	$5,672,000	534
Income before extraordinary items	$12,316,000	482
Extraordinary gains, net	$-915,000	11,447
Net income	$11,401,000	518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,157,000	821
Cash dividends	$81,305,000	97
Sale, conversion, retirement of capital stock, net	$510,708,000	2
Net operating income	$52,465,920	178
1995-12-31 (YTD Data)		Rank
Total interest income	$3,531,000	7,514
Total interest expense	$2,443,000	5,667
Net interest income	$1,088,000	9,658
Provision for loan and lease losses	$-32,000	11,531
Total noninterest income	$126,000	9,738
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$126,000	6,498
Total noninterest expense	$1,148,000	8,398
Salaries and employee benefits	$622,000	8,230
Premises and equipment expense	$194,000	7,315
Additional noninterest expense	$332,000	8,893
Pre-tax net operating income	$98,000	11,097
Securities gains (losses)	$-11,000	10,162
Applicable income taxes	$-70,000	11,673
Income before extraordinary items	$157,000	10,396
Extraordinary gains, net	$0	65
Net income	$157,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,779
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$168,000	10,259
1994-12-31 (YTD Data)		Rank
Total interest income	$3,275,000	7,654
Total interest expense	$2,046,000	5,505
Net interest income	$1,229,000	9,683
Provision for loan and lease losses	$-18,000	11,827
Total noninterest income	$162,000	9,470
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$162,000	5,970
Total noninterest expense	$1,158,000	8,777
Salaries and employee benefits	$642,000	8,325
Premises and equipment expense	$170,000	8,080
Additional noninterest expense	$346,000	9,398
Pre-tax net operating income	$251,000	10,482
Securities gains (losses)	$-25,000	10,510
Applicable income taxes	$23,000	11,093
Income before extraordinary items	$203,000	10,235
Extraordinary gains, net	$-71,000	12,535
Net income	$132,000	11,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,486
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$225,500	10,041
1993-12-31 (YTD Data)		Rank
Total interest income	$3,761,000	7,177
Total interest expense	$2,269,000	5,236
Net interest income	$1,492,000	9,143
Provision for loan and lease losses	$98,000	5,836
Total noninterest income	$150,000	10,210
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$150,000	6,564
Total noninterest expense	$1,107,000	9,304
Salaries and employee benefits	$518,000	9,481
Premises and equipment expense	$153,000	8,816
Additional noninterest expense	$436,000	8,865
Pre-tax net operating income	$437,000	9,120
Securities gains (losses)	$21,000	4,601
Applicable income taxes	$69,000	10,505
Income before extraordinary items	$389,000	8,544
Extraordinary gains, net	$74,000	1,859
Net income	$463,000	8,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	6,048
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$371,150	8,466
1992-12-31 (YTD Data)		Rank
Total interest income	$4,622,000	6,751
Total interest expense	$3,090,000	5,030
Net interest income	$1,532,000	9,174
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$159,000	10,308
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$159,000	6,436
Total noninterest expense	$992,000	10,020
Salaries and employee benefits	$503,000	9,756
Premises and equipment expense	$133,000	9,598
Additional noninterest expense	$356,000	10,116
Pre-tax net operating income	$649,000	7,393
Securities gains (losses)	$0	8,369
Applicable income taxes	$238,000	6,864
Income before extraordinary items	$411,000	8,101
Extraordinary gains, net	$0	1,422
Net income	$411,000	8,226
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	8,164
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$411,000	7,754

* 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.