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Sky Bank, Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$565,896,000	72
Total interest expense	$260,909,000	84
Net interest income	$304,987,000	63
Provision for loan and lease losses	$38,983,000	58
Total noninterest income	$94,243,000	99
Gross Fiduciary activities income	$19,000	1,043
Service charges on deposit accounts	$45,074,000	42
Trading account gains and fees	$0	168
Additional Noninterest Income	$49,150,000	107
Total noninterest expense	$233,042,000	75
Salaries and employee benefits	$110,130,000	70
Premises and equipment expense	$37,122,000	55
Additional noninterest expense	$85,790,000	86
Pre-tax net operating income	$127,205,000	85
Securities gains (losses)	$-70,684,000	8,612
Applicable income taxes	$17,768,000	157
Income before extraordinary items	$38,753,000	151
Extraordinary gains, net	$0	29
Net income	$38,753,000	152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,930,000	69
Cash dividends	$130,000,000	50
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$87,524,960	82
2007-03-31 (YTD Data)		Rank
Total interest income	$280,807,000	71
Total interest expense	$130,414,000	81
Net interest income	$150,393,000	63
Provision for loan and lease losses	$10,757,000	66
Total noninterest income	$43,327,000	98
Gross Fiduciary activities income	$13,000	1,015
Service charges on deposit accounts	$21,472,000	42
Trading account gains and fees	$0	195
Additional Noninterest Income	$21,842,000	110
Total noninterest expense	$107,174,000	78
Salaries and employee benefits	$50,363,000	72
Premises and equipment expense	$19,255,000	54
Additional noninterest expense	$37,556,000	90
Pre-tax net operating income	$75,789,000	77
Securities gains (losses)	$555,000	108
Applicable income taxes	$25,839,000	80
Income before extraordinary items	$50,505,000	79
Extraordinary gains, net	$0	22
Net income	$50,505,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,340,000	59
Cash dividends	$100,000,000	31
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$50,138,700	76
2006-12-31 (YTD Data)		Rank
Total interest income	$1,006,688,000	73
Total interest expense	$441,768,000	82
Net interest income	$564,920,000	63
Provision for loan and lease losses	$36,845,000	66
Total noninterest income	$145,192,000	110
Gross Fiduciary activities income	$20,000	1,170
Service charges on deposit accounts	$69,500,000	52
Trading account gains and fees	$0	130
Additional Noninterest Income	$75,672,000	119
Total noninterest expense	$372,377,000	81
Salaries and employee benefits	$173,208,000	78
Premises and equipment expense	$63,307,000	58
Additional noninterest expense	$135,862,000	91
Pre-tax net operating income	$300,890,000	76
Securities gains (losses)	$-19,148,000	8,661
Applicable income taxes	$94,949,000	83
Income before extraordinary items	$186,793,000	83
Extraordinary gains, net	$0	51
Net income	$186,793,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,699,000	57
Cash dividends	$97,000,000	90
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$199,430,680	74
2006-09-30 (YTD Data)		Rank
Total interest income	$729,862,000	80
Total interest expense	$313,672,000	90
Net interest income	$416,190,000	70
Provision for loan and lease losses	$26,041,000	70
Total noninterest income	$98,859,000	124
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$47,186,000	58
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,673,000	138
Total noninterest expense	$267,207,000	93
Salaries and employee benefits	$125,766,000	84
Premises and equipment expense	$45,964,000	67
Additional noninterest expense	$95,477,000	103
Pre-tax net operating income	$221,801,000	87
Securities gains (losses)	$287,000	282
Applicable income taxes	$74,556,000	87
Income before extraordinary items	$147,532,000	91
Extraordinary gains, net	$0	45
Net income	$147,532,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,192,000	62
Cash dividends	$72,000,000	88
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$147,342,580	86
2006-06-30 (YTD Data)		Rank
Total interest income	$476,188,000	82
Total interest expense	$204,693,000	91
Net interest income	$271,495,000	75
Provision for loan and lease losses	$16,441,000	73
Total noninterest income	$61,464,000	130
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$29,802,000	64
Trading account gains and fees	$0	126
Additional Noninterest Income	$31,662,000	146
Total noninterest expense	$176,434,000	95
Salaries and employee benefits	$85,127,000	87
Premises and equipment expense	$31,398,000	63
Additional noninterest expense	$59,909,000	111
Pre-tax net operating income	$140,084,000	94
Securities gains (losses)	$287,000	218
Applicable income taxes	$46,853,000	100
Income before extraordinary items	$93,518,000	95
Extraordinary gains, net	$0	39
Net income	$93,518,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,301,000	65
Cash dividends	$47,000,000	88
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$93,325,710	90
2006-03-31 (YTD Data)		Rank
Total interest income	$233,524,000	82
Total interest expense	$98,489,000	89
Net interest income	$135,035,000	75
Provision for loan and lease losses	$6,953,000	73
Total noninterest income	$31,993,000	128
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$14,117,000	64
Trading account gains and fees	$0	115
Additional Noninterest Income	$17,876,000	139
Total noninterest expense	$89,099,000	94
Salaries and employee benefits	$43,625,000	86
Premises and equipment expense	$15,954,000	62
Additional noninterest expense	$29,520,000	109
Pre-tax net operating income	$70,976,000	89
Securities gains (losses)	$0	955
Applicable income taxes	$23,725,000	94
Income before extraordinary items	$47,251,000	92
Extraordinary gains, net	$0	21
Net income	$47,251,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,031,000	65
Cash dividends	$22,000,000	80
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$47,251,000	90
2005-12-31 (YTD Data)		Rank
Total interest income	$823,954,000	79
Total interest expense	$299,619,000	89
Net interest income	$524,335,000	75
Provision for loan and lease losses	$51,970,000	54
Total noninterest income	$136,815,000	120
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$57,993,000	61
Trading account gains and fees	$0	138
Additional Noninterest Income	$78,822,000	132
Total noninterest expense	$337,131,000	90
Salaries and employee benefits	$161,249,000	87
Premises and equipment expense	$62,295,000	61
Additional noninterest expense	$113,587,000	108
Pre-tax net operating income	$272,049,000	93
Securities gains (losses)	$2,252,000	133
Applicable income taxes	$87,478,000	96
Income before extraordinary items	$186,823,000	92
Extraordinary gains, net	$0	46
Net income	$186,823,000	92
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,785,000	51
Cash dividends	$101,301,000	82
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$185,291,640	88
2005-09-30 (YTD Data)		Rank
Total interest income	$601,172,000	81
Total interest expense	$211,219,000	90
Net interest income	$389,953,000	78
Provision for loan and lease losses	$45,163,000	48
Total noninterest income	$101,064,000	122
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$42,815,000	61
Trading account gains and fees	$0	126
Additional Noninterest Income	$58,249,000	136
Total noninterest expense	$249,555,000	94
Salaries and employee benefits	$119,136,000	90
Premises and equipment expense	$46,719,000	63
Additional noninterest expense	$83,700,000	111
Pre-tax net operating income	$196,299,000	94
Securities gains (losses)	$720,000	211
Applicable income taxes	$60,760,000	103
Income before extraordinary items	$136,259,000	93
Extraordinary gains, net	$0	35
Net income	$136,259,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,562,000	53
Cash dividends	$79,301,000	75
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$135,762,200	88
2005-06-30 (YTD Data)		Rank
Total interest income	$391,460,000	81
Total interest expense	$133,908,000	89
Net interest income	$257,552,000	77
Provision for loan and lease losses	$36,358,000	44
Total noninterest income	$67,076,000	125
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$27,367,000	62
Trading account gains and fees	$0	116
Additional Noninterest Income	$39,709,000	133
Total noninterest expense	$167,895,000	93
Salaries and employee benefits	$81,249,000	87
Premises and equipment expense	$31,532,000	63
Additional noninterest expense	$55,114,000	110
Pre-tax net operating income	$120,375,000	102
Securities gains (losses)	$578,000	203
Applicable income taxes	$34,656,000	111
Income before extraordinary items	$86,297,000	97
Extraordinary gains, net	$0	30
Net income	$86,297,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,565,000	45
Cash dividends	$57,301,000	63
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$85,886,620	93
2005-03-31 (YTD Data)		Rank
Total interest income	$191,030,000	82
Total interest expense	$63,344,000	88
Net interest income	$127,686,000	77
Provision for loan and lease losses	$30,481,000	30
Total noninterest income	$34,013,000	129
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$12,720,000	64
Trading account gains and fees	$0	115
Additional Noninterest Income	$21,293,000	130
Total noninterest expense	$83,525,000	96
Salaries and employee benefits	$41,362,000	86
Premises and equipment expense	$16,231,000	62
Additional noninterest expense	$25,932,000	120
Pre-tax net operating income	$47,693,000	116
Securities gains (losses)	$123,000	333
Applicable income taxes	$15,787,000	120
Income before extraordinary items	$32,029,000	122
Extraordinary gains, net	$0	24
Net income	$32,029,000	122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,748,000	31
Cash dividends	$20,000,000	66
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$31,946,590	119
2004-12-31 (YTD Data)		Rank
Total interest income	$657,814,000	84
Total interest expense	$195,615,000	91
Net interest income	$462,199,000	82
Provision for loan and lease losses	$37,425,000	74
Total noninterest income	$131,936,000	132
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$50,031,000	66
Trading account gains and fees	$0	138
Additional Noninterest Income	$81,905,000	131
Total noninterest expense	$310,324,000	105
Salaries and employee benefits	$147,107,000	90
Premises and equipment expense	$53,670,000	73
Additional noninterest expense	$109,547,000	115
Pre-tax net operating income	$246,386,000	90
Securities gains (losses)	$5,778,000	104
Applicable income taxes	$85,043,000	93
Income before extraordinary items	$167,121,000	96
Extraordinary gains, net	$0	34
Net income	$167,121,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,715,000	80
Cash dividends	$83,465,000	95
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$163,307,520	93
2004-09-30 (YTD Data)		Rank
Total interest income	$472,600,000	89
Total interest expense	$137,793,000	95
Net interest income	$334,807,000	86
Provision for loan and lease losses	$25,810,000	83
Total noninterest income	$97,606,000	141
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$36,121,000	70
Trading account gains and fees	$0	134
Additional Noninterest Income	$61,485,000	134
Total noninterest expense	$226,747,000	109
Salaries and employee benefits	$107,562,000	97
Premises and equipment expense	$38,351,000	79
Additional noninterest expense	$80,834,000	120
Pre-tax net operating income	$179,856,000	96
Securities gains (losses)	$4,481,000	112
Applicable income taxes	$62,187,000	100
Income before extraordinary items	$122,150,000	104
Extraordinary gains, net	$0	26
Net income	$122,150,000	105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,852,000	87
Cash dividends	$63,465,000	92
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$119,192,540	100
2004-06-30 (YTD Data)		Rank
Total interest income	$294,694,000	91
Total interest expense	$85,389,000	101
Net interest income	$209,305,000	93
Provision for loan and lease losses	$17,510,000	81
Total noninterest income	$61,519,000	144
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$21,744,000	78
Trading account gains and fees	$0	130
Additional Noninterest Income	$39,775,000	138
Total noninterest expense	$140,883,000	119
Salaries and employee benefits	$68,442,000	100
Premises and equipment expense	$23,814,000	83
Additional noninterest expense	$48,627,000	126
Pre-tax net operating income	$112,431,000	102
Securities gains (losses)	$3,052,000	122
Applicable income taxes	$39,138,000	105
Income before extraordinary items	$76,345,000	106
Extraordinary gains, net	$0	21
Net income	$76,345,000	107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,741,000	90
Cash dividends	$43,465,000	86
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$74,330,680	103
2004-03-31 (YTD Data)		Rank
Total interest income	$147,570,000	90
Total interest expense	$43,410,000	96
Net interest income	$104,160,000	86
Provision for loan and lease losses	$6,470,000	98
Total noninterest income	$28,403,000	141
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$10,116,000	78
Trading account gains and fees	$0	121
Additional Noninterest Income	$18,287,000	137
Total noninterest expense	$70,090,000	116
Salaries and employee benefits	$34,740,000	101
Premises and equipment expense	$11,768,000	85
Additional noninterest expense	$23,582,000	128
Pre-tax net operating income	$56,003,000	102
Securities gains (losses)	$1,151,000	155
Applicable income taxes	$19,385,000	104
Income before extraordinary items	$37,769,000	105
Extraordinary gains, net	$0	16
Net income	$37,769,000	106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,444,000	104
Cash dividends	$20,000,000	70
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$37,009,340	101
2003-12-31 (YTD Data)		Rank
Total interest income	$590,806,000	91
Total interest expense	$190,484,000	96
Net interest income	$400,322,000	86
Provision for loan and lease losses	$33,225,000	107
Total noninterest income	$134,803,000	136
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$39,991,000	83
Trading account gains and fees	$0	160
Additional Noninterest Income	$94,812,000	125
Total noninterest expense	$264,801,000	121
Salaries and employee benefits	$129,955,000	105
Premises and equipment expense	$45,365,000	85
Additional noninterest expense	$89,481,000	131
Pre-tax net operating income	$237,099,000	89
Securities gains (losses)	$537,000	714
Applicable income taxes	$80,292,000	96
Income before extraordinary items	$157,344,000	92
Extraordinary gains, net	$0	54
Net income	$157,344,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,332,000	101
Cash dividends	$80,000,000	99
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$156,989,580	88
2003-09-30 (YTD Data)		Rank
Total interest income	$439,732,000	90
Total interest expense	$144,806,000	95
Net interest income	$294,926,000	87
Provision for loan and lease losses	$23,475,000	116
Total noninterest income	$106,509,000	132
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$28,026,000	89
Trading account gains and fees	$0	153
Additional Noninterest Income	$78,483,000	120
Total noninterest expense	$197,086,000	122
Salaries and employee benefits	$97,194,000	106
Premises and equipment expense	$33,299,000	88
Additional noninterest expense	$66,593,000	134
Pre-tax net operating income	$180,874,000	90
Securities gains (losses)	$-1,636,000	9,211
Applicable income taxes	$60,478,000	95
Income before extraordinary items	$118,760,000	94
Extraordinary gains, net	$0	40
Net income	$118,760,000	94
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,340,000	107
Cash dividends	$60,000,000	91
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$119,839,760	88
2003-06-30 (YTD Data)		Rank
Total interest income	$289,430,000	92
Total interest expense	$98,041,000	97
Net interest income	$191,389,000	91
Provision for loan and lease losses	$15,375,000	114
Total noninterest income	$65,241,000	140
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$18,094,000	88
Trading account gains and fees	$0	150
Additional Noninterest Income	$47,147,000	122
Total noninterest expense	$128,140,000	124
Salaries and employee benefits	$62,015,000	116
Premises and equipment expense	$21,401,000	89
Additional noninterest expense	$44,724,000	132
Pre-tax net operating income	$113,115,000	91
Securities gains (losses)	$455,000	615
Applicable income taxes	$38,497,000	100
Income before extraordinary items	$75,073,000	99
Extraordinary gains, net	$0	30
Net income	$75,073,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,282,000	109
Cash dividends	$40,000,000	80
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$74,772,700	90
2003-03-31 (YTD Data)		Rank
Total interest income	$140,499,000	98
Total interest expense	$48,763,000	103
Net interest income	$91,736,000	99
Provision for loan and lease losses	$7,275,000	118
Total noninterest income	$29,255,000	147
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$8,607,000	92
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,648,000	137
Total noninterest expense	$59,644,000	128
Salaries and employee benefits	$30,329,000	118
Premises and equipment expense	$10,759,000	92
Additional noninterest expense	$18,556,000	145
Pre-tax net operating income	$54,072,000	98
Securities gains (losses)	$577,000	315
Applicable income taxes	$18,398,000	108
Income before extraordinary items	$36,251,000	105
Extraordinary gains, net	$0	21
Net income	$36,251,000	105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,206,000	110
Cash dividends	$20,000,000	77
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$35,870,180	97
2002-12-31 (YTD Data)		Rank
Total interest income	$570,492,000	98
Total interest expense	$225,203,000	99
Net interest income	$345,289,000	104
Provision for loan and lease losses	$36,579,000	118
Total noninterest income	$124,077,000	141
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$34,499,000	91
Trading account gains and fees	$0	153
Additional Noninterest Income	$89,578,000	126
Total noninterest expense	$225,542,000	130
Salaries and employee benefits	$107,652,000	117
Premises and equipment expense	$32,268,000	111
Additional noninterest expense	$85,622,000	135
Pre-tax net operating income	$207,245,000	93
Securities gains (losses)	$2,982,000	214
Applicable income taxes	$70,766,000	95
Income before extraordinary items	$139,461,000	97
Extraordinary gains, net	$0	70
Net income	$139,461,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,739,000	121
Cash dividends	$190,000,000	57
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$137,492,880	93
2001-12-31 (YTD Data)		Rank
Total interest income	$612,208,000	109
Total interest expense	$291,098,000	112
Net interest income	$321,110,000	103
Provision for loan and lease losses	$27,229,000	146
Total noninterest income	$101,630,000	154
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$31,415,000	89
Trading account gains and fees	$0	177
Additional Noninterest Income	$70,215,000	145
Total noninterest expense	$200,196,000	143
Salaries and employee benefits	$83,241,000	130
Premises and equipment expense	$21,849,000	136
Additional noninterest expense	$95,106,000	139
Pre-tax net operating income	$195,315,000	90
Securities gains (losses)	$633,000	541
Applicable income taxes	$65,912,000	98
Income before extraordinary items	$130,036,000	97
Extraordinary gains, net	$0	105
Net income	$130,036,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,350,000	137
Cash dividends	$22,600,000	214
Sale, conversion, retirement of capital stock, net	$4,000	888
Net operating income	$129,618,220	91
2000-12-31 (YTD Data)		Rank
Total interest income	$106,362,000	397
Total interest expense	$53,857,000	403
Net interest income	$52,505,000	388
Provision for loan and lease losses	$2,565,000	514
Total noninterest income	$10,109,000	577
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$3,758,000	368
Trading account gains and fees	$0	180
Additional Noninterest Income	$6,351,000	552
Total noninterest expense	$34,145,000	474
Salaries and employee benefits	$12,881,000	560
Premises and equipment expense	$4,020,000	554
Additional noninterest expense	$17,244,000	389
Pre-tax net operating income	$25,904,000	370
Securities gains (losses)	$102,000	565
Applicable income taxes	$8,647,000	371
Income before extraordinary items	$17,359,000	361
Extraordinary gains, net	$0	38
Net income	$17,359,000	362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,346,000	613
Cash dividends	$6,900,000	498
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$17,290,660	361
1999-12-31 (YTD Data)		Rank
Total interest income	$93,551,000	428
Total interest expense	$43,986,000	426
Net interest income	$49,565,000	428
Provision for loan and lease losses	$3,206,000	393
Total noninterest income	$13,397,000	513
Gross Fiduciary activities income	$1,668,000	360
Service charges on deposit accounts	$3,798,000	372
Trading account gains and fees	$0	173
Additional Noninterest Income	$7,931,000	501
Total noninterest expense	$34,051,000	497
Salaries and employee benefits	$12,858,000	564
Premises and equipment expense	$10,557,000	235
Additional noninterest expense	$10,636,000	577
Pre-tax net operating income	$25,705,000	398
Securities gains (losses)	$144,000	626
Applicable income taxes	$8,373,000	412
Income before extraordinary items	$17,476,000	399
Extraordinary gains, net	$0	35
Net income	$17,476,000	399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,919,000	464
Cash dividends	$8,019,000	473
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$17,378,080	394
1998-12-31 (YTD Data)		Rank
Total interest income	$93,043,000	429
Total interest expense	$46,411,000	421
Net interest income	$46,632,000	424
Provision for loan and lease losses	$8,044,000	237
Total noninterest income	$13,108,000	509
Gross Fiduciary activities income	$1,454,000	380
Service charges on deposit accounts	$3,439,000	387
Trading account gains and fees	$0	224
Additional Noninterest Income	$8,215,000	481
Total noninterest expense	$47,285,000	370
Salaries and employee benefits	$17,127,000	427
Premises and equipment expense	$2,393,000	825
Additional noninterest expense	$27,765,000	296
Pre-tax net operating income	$4,411,000	1,672
Securities gains (losses)	$385,000	641
Applicable income taxes	$1,615,000	1,520
Income before extraordinary items	$3,181,000	1,658
Extraordinary gains, net	$0	32
Net income	$3,181,000	1,659
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,198,000	364
Cash dividends	$20,397,000	244
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,926,900	1,726
1997-12-31 (YTD Data)		Rank
Total interest income	$44,836,000	767
Total interest expense	$22,032,000	742
Net interest income	$22,804,000	795
Provision for loan and lease losses	$1,066,000	941
Total noninterest income	$4,607,000	980
Gross Fiduciary activities income	$1,245,000	414
Service charges on deposit accounts	$1,796,000	710
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,566,000	1,287
Total noninterest expense	$17,681,000	814
Salaries and employee benefits	$8,848,000	777
Premises and equipment expense	$2,972,000	698
Additional noninterest expense	$5,861,000	864
Pre-tax net operating income	$8,664,000	939
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$2,649,000	1,038
Income before extraordinary items	$6,019,000	914
Extraordinary gains, net	$0	44
Net income	$6,019,000	916
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$691,000	1,038
Cash dividends	$1,208,000	1,874
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$6,016,240	892
1996-12-31 (YTD Data)		Rank
Total interest income	$40,673,000	862
Total interest expense	$19,450,000	868
Net interest income	$21,223,000	874
Provision for loan and lease losses	$897,000	1,109
Total noninterest income	$3,975,000	1,118
Gross Fiduciary activities income	$900,000	538
Service charges on deposit accounts	$1,508,000	880
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,567,000	1,354
Total noninterest expense	$16,531,000	921
Salaries and employee benefits	$8,516,000	806
Premises and equipment expense	$2,742,000	796
Additional noninterest expense	$5,273,000	1,083
Pre-tax net operating income	$7,770,000	979
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$2,343,000	1,067
Income before extraordinary items	$5,428,000	970
Extraordinary gains, net	$0	53
Net income	$5,428,000	971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$397,000	1,698
Cash dividends	$1,033,000	2,077
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$5,427,300	952
1995-12-31 (YTD Data)		Rank
Total interest income	$34,996,000	1,014
Total interest expense	$15,580,000	1,087
Net interest income	$19,416,000	949
Provision for loan and lease losses	$966,000	971
Total noninterest income	$3,094,000	1,336
Gross Fiduciary activities income	$755,000	609
Service charges on deposit accounts	$1,264,000	1,060
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,075,000	1,714
Total noninterest expense	$13,917,000	1,077
Salaries and employee benefits	$7,062,000	972
Premises and equipment expense	$2,253,000	951
Additional noninterest expense	$4,602,000	1,195
Pre-tax net operating income	$7,627,000	1,025
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,322,000	1,103
Income before extraordinary items	$5,305,000	1,003
Extraordinary gains, net	$0	65
Net income	$5,305,000	1,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$641,000	1,180
Cash dividends	$858,000	2,302
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$5,305,000	993
1994-12-31 (YTD Data)		Rank
Total interest income	$28,907,000	1,103
Total interest expense	$11,140,000	1,181
Net interest income	$17,767,000	1,036
Provision for loan and lease losses	$869,000	1,026
Total noninterest income	$2,945,000	1,387
Gross Fiduciary activities income	$630,000	659
Service charges on deposit accounts	$1,315,000	1,010
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,000,000	1,835
Total noninterest expense	$13,051,000	1,153
Salaries and employee benefits	$6,717,000	1,011
Premises and equipment expense	$1,936,000	1,097
Additional noninterest expense	$4,398,000	1,314
Pre-tax net operating income	$6,792,000	1,117
Securities gains (losses)	$38,000	1,321
Applicable income taxes	$2,078,000	1,168
Income before extraordinary items	$4,752,000	1,064
Extraordinary gains, net	$0	249
Net income	$4,752,000	1,061
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$669,000	1,129
Cash dividends	$792,000	2,326
Sale, conversion, retirement of capital stock, net	$1,574,000	341
Net operating income	$4,725,400	1,085
1993-12-31 (YTD Data)		Rank
Total interest income	$27,110,000	1,178
Total interest expense	$10,811,000	1,252
Net interest income	$16,299,000	1,120
Provision for loan and lease losses	$762,000	1,570
Total noninterest income	$3,450,000	1,308
Gross Fiduciary activities income	$504,000	762
Service charges on deposit accounts	$1,268,000	1,046
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,678,000	1,411
Total noninterest expense	$12,438,000	1,241
Salaries and employee benefits	$6,407,000	1,076
Premises and equipment expense	$1,784,000	1,198
Additional noninterest expense	$4,247,000	1,438
Pre-tax net operating income	$6,549,000	1,072
Securities gains (losses)	$77,000	2,843
Applicable income taxes	$2,069,000	1,172
Income before extraordinary items	$4,557,000	1,141
Extraordinary gains, net	$0	3,149
Net income	$4,557,000	1,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$587,000	1,604
Cash dividends	$758,000	2,255
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$4,503,870	1,067
1992-12-31 (YTD Data)		Rank
Total interest income	$28,989,000	1,262
Total interest expense	$12,187,000	1,451
Net interest income	$16,802,000	1,107
Provision for loan and lease losses	$1,156,000	1,686
Total noninterest income	$2,525,000	1,645
Gross Fiduciary activities income	$416,000	830
Service charges on deposit accounts	$759,000	1,781
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,350,000	1,622
Total noninterest expense	$12,269,000	1,297
Salaries and employee benefits	$5,692,000	1,174
Premises and equipment expense	$2,067,000	1,085
Additional noninterest expense	$4,510,000	1,463
Pre-tax net operating income	$5,902,000	1,104
Securities gains (losses)	$106,000	2,913
Applicable income taxes	$2,073,000	1,081
Income before extraordinary items	$3,935,000	1,191
Extraordinary gains, net	$0	1,422
Net income	$3,935,000	1,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$606,000	2,163
Cash dividends	$640,000	2,295
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,866,100	1,121

* 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.