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Shamrock Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$2,005,000	8,208
Total interest expense	$826,000	8,377
Net interest income	$1,179,000	7,928
Provision for loan and lease losses	$0	8,228
Total noninterest income	$238,000	6,954
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$178,000	5,424
Trading account gains and fees	$0	177
Additional Noninterest Income	$60,000	7,402
Total noninterest expense	$1,045,000	7,838
Salaries and employee benefits	$583,000	7,746
Premises and equipment expense	$164,000	7,301
Additional noninterest expense	$298,000	7,872
Pre-tax net operating income	$372,000	7,102
Securities gains (losses)	$19,000	3,188
Applicable income taxes	$106,000	5,939
Income before extraordinary items	$285,000	7,225
Extraordinary gains, net	$0	105
Net income	$285,000	7,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,243
Cash dividends	$270,000	4,556
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$271,130	7,188
2000-12-31 (YTD Data)		Rank
Total interest income	$1,940,000	8,465
Total interest expense	$813,000	8,609
Net interest income	$1,127,000	8,231
Provision for loan and lease losses	$0	8,337
Total noninterest income	$159,000	7,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	6,428
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	7,773
Total noninterest expense	$901,000	8,295
Salaries and employee benefits	$492,000	8,287
Premises and equipment expense	$152,000	7,569
Additional noninterest expense	$257,000	8,289
Pre-tax net operating income	$385,000	7,543
Securities gains (losses)	$-13,000	8,489
Applicable income taxes	$97,000	6,545
Income before extraordinary items	$275,000	7,628
Extraordinary gains, net	$0	38
Net income	$275,000	7,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,965
Cash dividends	$263,000	4,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$284,620	7,575
1999-12-31 (YTD Data)		Rank
Total interest income	$1,789,000	8,726
Total interest expense	$735,000	8,866
Net interest income	$1,054,000	8,511
Provision for loan and lease losses	$0	8,503
Total noninterest income	$158,000	8,006
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	6,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,482
Total noninterest expense	$784,000	8,776
Salaries and employee benefits	$414,000	8,818
Premises and equipment expense	$113,000	8,364
Additional noninterest expense	$257,000	8,492
Pre-tax net operating income	$428,000	7,459
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$98,000	6,945
Income before extraordinary items	$331,000	7,388
Extraordinary gains, net	$0	35
Net income	$331,000	7,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-92,000	10,031
Cash dividends	$315,000	4,424
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$330,230	7,374
1998-12-31 (YTD Data)		Rank
Total interest income	$1,798,000	8,923
Total interest expense	$836,000	8,840
Net interest income	$962,000	8,887
Provision for loan and lease losses	$0	8,652
Total noninterest income	$159,000	8,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	7,117
Total noninterest expense	$702,000	9,097
Salaries and employee benefits	$391,000	9,026
Premises and equipment expense	$112,000	8,436
Additional noninterest expense	$199,000	9,125
Pre-tax net operating income	$419,000	7,764
Securities gains (losses)	$0	4,449
Applicable income taxes	$89,000	7,701
Income before extraordinary items	$330,000	7,647
Extraordinary gains, net	$0	32
Net income	$330,000	7,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	10,055
Cash dividends	$263,000	4,866
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$330,000	7,563
1997-12-31 (YTD Data)		Rank
Total interest income	$1,876,000	9,173
Total interest expense	$906,000	8,950
Net interest income	$970,000	9,255
Provision for loan and lease losses	$0	8,829
Total noninterest income	$122,000	9,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	7,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	9,482
Total noninterest expense	$699,000	9,404
Salaries and employee benefits	$423,000	9,115
Premises and equipment expense	$82,000	9,385
Additional noninterest expense	$194,000	9,481
Pre-tax net operating income	$393,000	8,481
Securities gains (losses)	$0	3,944
Applicable income taxes	$116,000	8,152
Income before extraordinary items	$277,000	8,546
Extraordinary gains, net	$0	44
Net income	$277,000	8,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	3,272
Cash dividends	$262,000	4,854
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$277,000	8,501
1996-12-31 (YTD Data)		Rank
Total interest income	$2,068,000	9,295
Total interest expense	$913,000	9,284
Net interest income	$1,155,000	9,139
Provision for loan and lease losses	$110,000	4,862
Total noninterest income	$146,000	9,070
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,175
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	9,793
Total noninterest expense	$700,000	9,821
Salaries and employee benefits	$414,000	9,512
Premises and equipment expense	$97,000	9,380
Additional noninterest expense	$189,000	10,064
Pre-tax net operating income	$491,000	7,993
Securities gains (losses)	$-5,000	9,952
Applicable income taxes	$140,000	8,024
Income before extraordinary items	$346,000	8,039
Extraordinary gains, net	$0	53
Net income	$346,000	8,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,457
Cash dividends	$361,000	4,114
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$349,550	7,947
1995-12-31 (YTD Data)		Rank
Total interest income	$2,084,000	9,590
Total interest expense	$929,000	9,504
Net interest income	$1,155,000	9,467
Provision for loan and lease losses	$0	8,958
Total noninterest income	$150,000	9,317
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	7,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,521
Total noninterest expense	$786,000	9,829
Salaries and employee benefits	$454,000	9,506
Premises and equipment expense	$106,000	9,444
Additional noninterest expense	$226,000	10,112
Pre-tax net operating income	$519,000	8,335
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$169,000	7,942
Income before extraordinary items	$355,000	8,433
Extraordinary gains, net	$0	65
Net income	$355,000	8,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,829
Cash dividends	$338,000	4,266
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$351,600	8,446
1994-12-31 (YTD Data)		Rank
Total interest income	$2,038,000	9,737
Total interest expense	$722,000	9,982
Net interest income	$1,316,000	9,409
Provision for loan and lease losses	$0	9,146
Total noninterest income	$259,000	7,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	8,093
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	6,034
Total noninterest expense	$812,000	10,195
Salaries and employee benefits	$495,000	9,435
Premises and equipment expense	$79,000	10,685
Additional noninterest expense	$238,000	10,677
Pre-tax net operating income	$763,000	7,061
Securities gains (losses)	$-71,000	11,310
Applicable income taxes	$228,000	6,882
Income before extraordinary items	$464,000	7,582
Extraordinary gains, net	$0	249
Net income	$464,000	7,590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$451,000	3,433
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$511,570	7,257
1993-12-31 (YTD Data)		Rank
Total interest income	$2,060,000	10,056
Total interest expense	$741,000	10,356
Net interest income	$1,319,000	9,674
Provision for loan and lease losses	$0	10,371
Total noninterest income	$127,000	10,684
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	8,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,885
Total noninterest expense	$788,000	10,723
Salaries and employee benefits	$460,000	10,036
Premises and equipment expense	$91,000	10,750
Additional noninterest expense	$237,000	11,233
Pre-tax net operating income	$658,000	7,585
Securities gains (losses)	$64,000	3,088
Applicable income taxes	$249,000	6,818
Income before extraordinary items	$473,000	7,764
Extraordinary gains, net	$0	3,149
Net income	$473,000	7,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-43,000	12,581
Cash dividends	$413,000	3,565
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$430,760	7,868
1992-12-31 (YTD Data)		Rank
Total interest income	$2,147,000	10,598
Total interest expense	$841,000	11,142
Net interest income	$1,306,000	9,966
Provision for loan and lease losses	$32,000	9,896
Total noninterest income	$123,000	11,096
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	8,464
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$801,000	10,992
Salaries and employee benefits	$444,000	10,363
Premises and equipment expense	$88,000	11,176
Additional noninterest expense	$269,000	11,288
Pre-tax net operating income	$596,000	7,741
Securities gains (losses)	$0	8,369
Applicable income taxes	$194,000	7,674
Income before extraordinary items	$402,000	8,198
Extraordinary gains, net	$0	1,422
Net income	$402,000	8,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-84,000	13,668
Cash dividends	$375,000	3,474
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$402,000	7,838

* 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.