Sky Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $353,911,000 | 167 |
| Total interest expense | $178,806,000 | 183 |
| Net interest income | $175,105,000 | 165 |
| Provision for loan and lease losses | $11,838,000 | 183 |
| Total noninterest income | $35,676,000 | 265 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $15,972,000 | 134 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $19,704,000 | 295 |
| Total noninterest expense | $90,939,000 | 234 |
| Salaries and employee benefits | $35,081,000 | 229 |
| Premises and equipment expense | $10,745,000 | 233 |
| Additional noninterest expense | $45,113,000 | 208 |
| Pre-tax net operating income | $108,004,000 | 146 |
| Securities gains (losses) | $-2,999,000 | 9,816 |
| Applicable income taxes | $33,025,000 | 150 |
| Income before extraordinary items | $71,980,000 | 142 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $71,980,000 | 142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,139,000 | 181 |
| Cash dividends | $106,000,000 | 78 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $74,049,310 | 143 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $271,186,000 | 188 |
| Total interest expense | $130,698,000 | 191 |
| Net interest income | $140,488,000 | 190 |
| Provision for loan and lease losses | $8,859,000 | 221 |
| Total noninterest income | $34,175,000 | 283 |
| Gross Fiduciary activities income | $4,081,000 | 218 |
| Service charges on deposit accounts | $11,799,000 | 162 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $18,295,000 | 317 |
| Total noninterest expense | $113,618,000 | 207 |
| Salaries and employee benefits | $34,326,000 | 236 |
| Premises and equipment expense | $10,592,000 | 234 |
| Additional noninterest expense | $68,700,000 | 168 |
| Pre-tax net operating income | $52,186,000 | 241 |
| Securities gains (losses) | $580,000 | 315 |
| Applicable income taxes | $14,609,000 | 289 |
| Income before extraordinary items | $38,157,000 | 231 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $38,157,000 | 232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,850,000 | 219 |
| Cash dividends | $52,967,000 | 142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $37,739,400 | 228 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $138,000,000 | 303 |
| Total interest expense | $66,818,000 | 313 |
| Net interest income | $71,182,000 | 294 |
| Provision for loan and lease losses | $4,056,000 | 375 |
| Total noninterest income | $12,920,000 | 511 |
| Gross Fiduciary activities income | $1,373,000 | 392 |
| Service charges on deposit accounts | $4,725,000 | 285 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,822,000 | 536 |
| Total noninterest expense | $57,535,000 | 308 |
| Salaries and employee benefits | $20,338,000 | 370 |
| Premises and equipment expense | $7,019,000 | 334 |
| Additional noninterest expense | $30,178,000 | 282 |
| Pre-tax net operating income | $22,511,000 | 404 |
| Securities gains (losses) | $266,000 | 786 |
| Applicable income taxes | $5,969,000 | 497 |
| Income before extraordinary items | $16,808,000 | 379 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $16,808,000 | 379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,797,000 | 392 |
| Cash dividends | $34,610,000 | 184 |
| Sale, conversion, retirement of capital stock, net | $-559,000 | 10,401 |
| Net operating income | $16,611,160 | 363 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $79,067,000 | 483 |
| Total interest expense | $38,457,000 | 487 |
| Net interest income | $40,610,000 | 477 |
| Provision for loan and lease losses | $1,620,000 | 691 |
| Total noninterest income | $6,442,000 | 774 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,424,000 | 543 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,018,000 | 711 |
| Total noninterest expense | $20,114,000 | 734 |
| Salaries and employee benefits | $10,208,000 | 675 |
| Premises and equipment expense | $3,406,000 | 605 |
| Additional noninterest expense | $6,500,000 | 797 |
| Pre-tax net operating income | $25,318,000 | 381 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $8,178,000 | 419 |
| Income before extraordinary items | $17,140,000 | 392 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $17,140,000 | 393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $790,000 | 923 |
| Cash dividends | $22,245,000 | 208 |
| Sale, conversion, retirement of capital stock, net | $-561,000 | 10,848 |
| Net operating income | $17,140,000 | 372 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $72,085,000 | 554 |
| Total interest expense | $31,037,000 | 601 |
| Net interest income | $41,048,000 | 502 |
| Provision for loan and lease losses | $1,598,000 | 732 |
| Total noninterest income | $4,664,000 | 993 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,148,000 | 636 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,516,000 | 995 |
| Total noninterest expense | $22,205,000 | 726 |
| Salaries and employee benefits | $10,242,000 | 687 |
| Premises and equipment expense | $3,555,000 | 628 |
| Additional noninterest expense | $8,408,000 | 764 |
| Pre-tax net operating income | $21,909,000 | 438 |
| Securities gains (losses) | $-30,000 | 10,843 |
| Applicable income taxes | $7,158,000 | 453 |
| Income before extraordinary items | $14,721,000 | 433 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $14,721,000 | 434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,116,000 | 838 |
| Cash dividends | $16,668,000 | 317 |
| Sale, conversion, retirement of capital stock, net | $-25,000 | 11,318 |
| Net operating income | $14,741,100 | 429 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $63,355,000 | 637 |
| Total interest expense | $27,699,000 | 683 |
| Net interest income | $35,656,000 | 577 |
| Provision for loan and lease losses | $1,920,000 | 595 |
| Total noninterest income | $3,928,000 | 1,132 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,733,000 | 767 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,195,000 | 1,071 |
| Total noninterest expense | $20,461,000 | 771 |
| Salaries and employee benefits | $9,437,000 | 746 |
| Premises and equipment expense | $3,022,000 | 759 |
| Additional noninterest expense | $8,002,000 | 798 |
| Pre-tax net operating income | $17,203,000 | 530 |
| Securities gains (losses) | $54,000 | 1,255 |
| Applicable income taxes | $5,640,000 | 570 |
| Income before extraordinary items | $11,617,000 | 529 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $11,617,000 | 529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,503,000 | 685 |
| Cash dividends | $2,600,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $-25,000 | 10,451 |
| Net operating income | $11,580,820 | 529 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $53,390,000 | 662 |
| Total interest expense | $21,783,000 | 667 |
| Net interest income | $31,607,000 | 644 |
| Provision for loan and lease losses | $2,231,000 | 532 |
| Total noninterest income | $3,129,000 | 1,318 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,537,000 | 843 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,592,000 | 1,317 |
| Total noninterest expense | $19,116,000 | 836 |
| Salaries and employee benefits | $8,843,000 | 779 |
| Premises and equipment expense | $2,784,000 | 800 |
| Additional noninterest expense | $7,489,000 | 860 |
| Pre-tax net operating income | $13,389,000 | 631 |
| Securities gains (losses) | $-210,000 | 11,971 |
| Applicable income taxes | $4,269,000 | 650 |
| Income before extraordinary items | $8,910,000 | 634 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,910,000 | 632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,552,000 | 670 |
| Cash dividends | $1,994,000 | 1,129 |
| Sale, conversion, retirement of capital stock, net | $-26,000 | 12,477 |
| Net operating income | $9,052,800 | 628 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $40,892,000 | 821 |
| Total interest expense | $17,254,000 | 813 |
| Net interest income | $23,638,000 | 805 |
| Provision for loan and lease losses | $2,795,000 | 646 |
| Total noninterest income | $2,717,000 | 1,576 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,220,000 | 1,094 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,497,000 | 1,558 |
| Total noninterest expense | $13,503,000 | 1,163 |
| Salaries and employee benefits | $6,458,000 | 1,068 |
| Premises and equipment expense | $1,898,000 | 1,120 |
| Additional noninterest expense | $5,147,000 | 1,252 |
| Pre-tax net operating income | $10,057,000 | 724 |
| Securities gains (losses) | $342,000 | 1,185 |
| Applicable income taxes | $3,314,000 | 774 |
| Income before extraordinary items | $7,085,000 | 738 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,085,000 | 765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,500,000 | 870 |
| Cash dividends | $1,903,000 | 1,073 |
| Sale, conversion, retirement of capital stock, net | $-26,000 | 13,173 |
| Net operating income | $6,852,440 | 708 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,513,000 | 913 |
| Total interest expense | $19,373,000 | 935 |
| Net interest income | $22,140,000 | 859 |
| Provision for loan and lease losses | $2,970,000 | 839 |
| Total noninterest income | $2,308,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,032,000 | 1,290 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,276,000 | 1,687 |
| Total noninterest expense | $13,366,000 | 1,187 |
| Salaries and employee benefits | $6,310,000 | 1,067 |
| Premises and equipment expense | $1,752,000 | 1,257 |
| Additional noninterest expense | $5,304,000 | 1,255 |
| Pre-tax net operating income | $8,112,000 | 791 |
| Securities gains (losses) | $264,000 | 1,651 |
| Applicable income taxes | $2,588,000 | 892 |
| Income before extraordinary items | $5,788,000 | 826 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,788,000 | 828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,414,000 | 1,251 |
| Cash dividends | $954,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $-27,000 | 13,797 |
| Net operating income | $5,605,840 | 779 |
* 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.