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Southwest Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$66,951,000	539
Total interest expense	$33,672,000	518
Net interest income	$33,279,000	557
Provision for loan and lease losses	$1,648,000	830
Total noninterest income	$6,661,000	776
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$2,896,000	524
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,765,000	804
Total noninterest expense	$22,694,000	690
Salaries and employee benefits	$7,169,000	1,036
Premises and equipment expense	$2,146,000	977
Additional noninterest expense	$13,379,000	471
Pre-tax net operating income	$15,598,000	524
Securities gains (losses)	$705,000	499
Applicable income taxes	$4,234,000	620
Income before extraordinary items	$12,069,000	502
Extraordinary gains, net	$0	105
Net income	$12,069,000	503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,035,000	567
Cash dividends	$9,147,000	395
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$11,547,300	492
2000-12-31 (YTD Data)		Rank
Total interest income	$70,228,000	545
Total interest expense	$36,314,000	532
Net interest income	$33,914,000	551
Provision for loan and lease losses	$2,400,000	534
Total noninterest income	$6,546,000	761
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$2,661,000	509
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,885,000	729
Total noninterest expense	$21,519,000	719
Salaries and employee benefits	$7,212,000	974
Premises and equipment expense	$2,306,000	860
Additional noninterest expense	$12,001,000	506
Pre-tax net operating income	$16,541,000	519
Securities gains (losses)	$11,000	1,132
Applicable income taxes	$4,007,000	647
Income before extraordinary items	$12,545,000	473
Extraordinary gains, net	$0	38
Net income	$12,545,000	475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,949,000	484
Cash dividends	$14,253,000	298
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$12,536,640	472
1999-12-31 (YTD Data)		Rank
Total interest income	$67,665,000	552
Total interest expense	$32,384,000	529
Net interest income	$35,281,000	551
Provision for loan and lease losses	$2,150,000	532
Total noninterest income	$7,896,000	707
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$3,749,000	376
Trading account gains and fees	$0	173
Additional Noninterest Income	$4,147,000	726
Total noninterest expense	$20,302,000	757
Salaries and employee benefits	$7,141,000	961
Premises and equipment expense	$2,465,000	818
Additional noninterest expense	$10,696,000	575
Pre-tax net operating income	$20,725,000	472
Securities gains (losses)	$505,000	341
Applicable income taxes	$5,796,000	545
Income before extraordinary items	$15,434,000	441
Extraordinary gains, net	$0	35
Net income	$15,434,000	441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,085,000	442
Cash dividends	$9,260,000	423
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$15,065,350	440
1998-12-31 (YTD Data)		Rank
Total interest income	$58,551,000	606
Total interest expense	$25,150,000	661
Net interest income	$33,401,000	555
Provision for loan and lease losses	$4,362,000	354
Total noninterest income	$7,237,000	728
Gross Fiduciary activities income	$1,795,000	340
Service charges on deposit accounts	$3,346,000	390
Trading account gains and fees	$0	224
Additional Noninterest Income	$2,096,000	1,123
Total noninterest expense	$27,839,000	560
Salaries and employee benefits	$12,794,000	560
Premises and equipment expense	$3,846,000	571
Additional noninterest expense	$11,199,000	548
Pre-tax net operating income	$8,437,000	927
Securities gains (losses)	$0	4,449
Applicable income taxes	$2,591,000	988
Income before extraordinary items	$5,846,000	929
Extraordinary gains, net	$0	32
Net income	$5,846,000	928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,278,000	356
Cash dividends	$7,398,000	489
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$5,846,000	896
1997-12-31 (YTD Data)		Rank
Total interest income	$54,972,000	647
Total interest expense	$21,673,000	761
Net interest income	$33,299,000	564
Provision for loan and lease losses	$3,223,000	416
Total noninterest income	$5,559,000	864
Gross Fiduciary activities income	$1,723,000	353
Service charges on deposit accounts	$2,711,000	493
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,125,000	1,628
Total noninterest expense	$22,911,000	667
Salaries and employee benefits	$11,250,000	621
Premises and equipment expense	$3,327,000	623
Additional noninterest expense	$8,334,000	669
Pre-tax net operating income	$12,724,000	656
Securities gains (losses)	$139,000	848
Applicable income taxes	$3,826,000	755
Income before extraordinary items	$9,037,000	644
Extraordinary gains, net	$0	44
Net income	$9,037,000	644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,967,000	388
Cash dividends	$7,284,000	469
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$8,939,700	627
1996-12-31 (YTD Data)		Rank
Total interest income	$52,866,000	702
Total interest expense	$20,865,000	817
Net interest income	$32,001,000	625
Provision for loan and lease losses	$1,800,000	671
Total noninterest income	$5,018,000	949
Gross Fiduciary activities income	$1,728,000	383
Service charges on deposit accounts	$2,288,000	599
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,002,000	1,812
Total noninterest expense	$21,674,000	741
Salaries and employee benefits	$10,779,000	654
Premises and equipment expense	$3,364,000	667
Additional noninterest expense	$7,531,000	845
Pre-tax net operating income	$13,545,000	610
Securities gains (losses)	$199,000	697
Applicable income taxes	$4,107,000	682
Income before extraordinary items	$9,637,000	600
Extraordinary gains, net	$0	53
Net income	$9,637,000	600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,541,000	677
Cash dividends	$5,592,000	632
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$9,497,700	597
1995-12-31 (YTD Data)		Rank
Total interest income	$51,481,000	744
Total interest expense	$20,601,000	860
Net interest income	$30,880,000	666
Provision for loan and lease losses	$1,450,000	730
Total noninterest income	$5,036,000	958
Gross Fiduciary activities income	$1,801,000	396
Service charges on deposit accounts	$2,194,000	628
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,041,000	1,759
Total noninterest expense	$21,638,000	738
Salaries and employee benefits	$10,679,000	658
Premises and equipment expense	$3,125,000	731
Additional noninterest expense	$7,834,000	808
Pre-tax net operating income	$12,828,000	673
Securities gains (losses)	$0	3,831
Applicable income taxes	$3,767,000	761
Income before extraordinary items	$9,061,000	646
Extraordinary gains, net	$0	65
Net income	$9,061,000	646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$837,000	995
Cash dividends	$3,972,000	770
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$9,061,000	643
1994-12-31 (YTD Data)		Rank
Total interest income	$47,724,000	728
Total interest expense	$17,031,000	816
Net interest income	$30,693,000	657
Provision for loan and lease losses	$1,560,000	687
Total noninterest income	$4,851,000	946
Gross Fiduciary activities income	$1,667,000	409
Service charges on deposit accounts	$2,035,000	675
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,149,000	1,681
Total noninterest expense	$21,814,000	749
Salaries and employee benefits	$10,371,000	679
Premises and equipment expense	$3,136,000	735
Additional noninterest expense	$8,307,000	803
Pre-tax net operating income	$12,170,000	678
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$3,545,000	754
Income before extraordinary items	$8,627,000	643
Extraordinary gains, net	$0	249
Net income	$8,627,000	642
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$973,000	879
Cash dividends	$3,443,000	731
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$8,625,580	647
1993-12-31 (YTD Data)		Rank
Total interest income	$47,934,000	723
Total interest expense	$18,112,000	779
Net interest income	$29,822,000	667
Provision for loan and lease losses	$1,597,000	954
Total noninterest income	$4,568,000	1,057
Gross Fiduciary activities income	$1,551,000	436
Service charges on deposit accounts	$2,035,000	669
Trading account gains and fees	$0	532
Additional Noninterest Income	$982,000	2,052
Total noninterest expense	$21,374,000	790
Salaries and employee benefits	$9,693,000	720
Premises and equipment expense	$2,978,000	780
Additional noninterest expense	$8,703,000	839
Pre-tax net operating income	$11,419,000	639
Securities gains (losses)	$0	7,477
Applicable income taxes	$3,296,000	783
Income before extraordinary items	$8,123,000	645
Extraordinary gains, net	$0	3,149
Net income	$8,123,000	661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$684,000	1,456
Cash dividends	$3,164,000	684
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$8,123,000	599
1992-12-31 (YTD Data)		Rank
Total interest income	$51,236,000	765
Total interest expense	$22,731,000	820
Net interest income	$28,505,000	703
Provision for loan and lease losses	$2,020,000	1,139
Total noninterest income	$4,183,000	1,107
Gross Fiduciary activities income	$1,377,000	466
Service charges on deposit accounts	$1,675,000	786
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,131,000	1,837
Total noninterest expense	$20,125,000	841
Salaries and employee benefits	$9,071,000	759
Premises and equipment expense	$2,873,000	827
Additional noninterest expense	$8,181,000	900
Pre-tax net operating income	$10,543,000	609
Securities gains (losses)	$0	8,369
Applicable income taxes	$2,977,000	786
Income before extraordinary items	$7,566,000	632
Extraordinary gains, net	$0	1,422
Net income	$7,566,000	630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,493,000	1,193
Cash dividends	$2,866,000	620
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$7,566,000	567

* 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.