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Superior Bank FSB, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$119,213,000	363
Total interest expense	$114,239,000	236
Net interest income	$4,974,000	3,489
Provision for loan and lease losses	$82,280,000	64
Total noninterest income	$156,323,000	127
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$156,323,000	95
Total noninterest expense	$133,638,000	187
Salaries and employee benefits	$51,788,000	172
Premises and equipment expense	$24,520,000	127
Additional noninterest expense	$57,330,000	193
Pre-tax net operating income	$-54,621,000	9,911
Securities gains (losses)	$43,372,000	10
Applicable income taxes	$-5,611,000	9,885
Income before extraordinary items	$-5,638,000	9,866
Extraordinary gains, net	$0	38
Net income	$-5,638,000	9,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,940,000	70
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-33,396,080	9,895
1999-12-31 (YTD Data)		Rank
Total interest income	$162,340,000	270
Total interest expense	$85,177,000	258
Net interest income	$77,163,000	290
Provision for loan and lease losses	$110,270,000	42
Total noninterest income	$92,901,000	168
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$92,901,000	135
Total noninterest expense	$86,407,000	241
Salaries and employee benefits	$27,481,000	289
Premises and equipment expense	$15,608,000	183
Additional noninterest expense	$43,318,000	216
Pre-tax net operating income	$-26,613,000	10,233
Securities gains (losses)	$185,979,000	3
Applicable income taxes	$54,479,000	119
Income before extraordinary items	$104,887,000	118
Extraordinary gains, net	$0	35
Net income	$104,887,000	119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,375,000	94
Cash dividends	$33,556,000	183
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-17,859,140	10,212
1998-12-31 (YTD Data)		Rank
Total interest income	$97,157,000	412
Total interest expense	$67,751,000	306
Net interest income	$29,406,000	610
Provision for loan and lease losses	$72,450,000	58
Total noninterest income	$67,363,000	197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$67,363,000	158
Total noninterest expense	$48,187,000	361
Salaries and employee benefits	$21,062,000	357
Premises and equipment expense	$10,696,000	231
Additional noninterest expense	$16,429,000	400
Pre-tax net operating income	$-23,868,000	10,476
Securities gains (losses)	$137,103,000	9
Applicable income taxes	$3,256,000	809
Income before extraordinary items	$109,979,000	99
Extraordinary gains, net	$0	32
Net income	$109,979,000	100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,084,000	10,460
Cash dividends	$56,022,000	134
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-23,010,910	10,457
1997-12-31 (YTD Data)		Rank
Total interest income	$66,814,000	554
Total interest expense	$50,332,000	392
Net interest income	$16,482,000	1,069
Provision for loan and lease losses	$34,081,000	100
Total noninterest income	$35,270,000	262
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$35,270,000	198
Total noninterest expense	$35,484,000	443
Salaries and employee benefits	$15,973,000	437
Premises and equipment expense	$8,117,000	288
Additional noninterest expense	$11,394,000	524
Pre-tax net operating income	$-17,813,000	10,938
Securities gains (losses)	$91,314,000	5
Applicable income taxes	$-369,000	10,842
Income before extraordinary items	$73,870,000	138
Extraordinary gains, net	$0	44
Net income	$73,870,000	138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,295,000	252
Cash dividends	$36,556,000	159
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-17,444,000	10,916
1996-12-31 (YTD Data)		Rank
Total interest income	$67,950,000	582
Total interest expense	$50,143,000	419
Net interest income	$17,807,000	1,027
Provision for loan and lease losses	$22,177,000	126
Total noninterest income	$36,804,000	280
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$36,804,000	204
Total noninterest expense	$37,126,000	487
Salaries and employee benefits	$14,060,000	510
Premises and equipment expense	$5,828,000	420
Additional noninterest expense	$17,238,000	452
Pre-tax net operating income	$-4,692,000	11,443
Securities gains (losses)	$64,727,000	5
Applicable income taxes	$-18,919,000	11,446
Income before extraordinary items	$78,954,000	132
Extraordinary gains, net	$0	53
Net income	$78,954,000	131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,713,000	306
Cash dividends	$35,291,000	183
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$14,227,000	438
1995-12-31 (YTD Data)		Rank
Total interest income	$65,085,000	623
Total interest expense	$48,162,000	466
Net interest income	$16,923,000	1,080
Provision for loan and lease losses	$7,784,000	227
Total noninterest income	$20,486,000	392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$20,486,000	269
Total noninterest expense	$30,700,000	574
Salaries and employee benefits	$12,337,000	576
Premises and equipment expense	$6,238,000	422
Additional noninterest expense	$12,125,000	597
Pre-tax net operating income	$-1,075,000	11,882
Securities gains (losses)	$30,967,000	10
Applicable income taxes	$1,421,000	1,723
Income before extraordinary items	$28,471,000	284
Extraordinary gains, net	$0	65
Net income	$28,471,000	284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$401,000	1,596
Cash dividends	$11,184,000	368
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$-947,650	11,854
1994-12-31 (YTD Data)		Rank
Total interest income	$57,416,000	624
Total interest expense	$37,905,000	448
Net interest income	$19,511,000	943
Provision for loan and lease losses	$3,105,000	421
Total noninterest income	$19,087,000	389
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$19,087,000	277
Total noninterest expense	$31,931,000	555
Salaries and employee benefits	$13,411,000	549
Premises and equipment expense	$6,631,000	397
Additional noninterest expense	$11,889,000	615
Pre-tax net operating income	$3,562,000	2,005
Securities gains (losses)	$7,353,000	28
Applicable income taxes	$124,000	8,842
Income before extraordinary items	$10,791,000	522
Extraordinary gains, net	$0	249
Net income	$10,791,000	521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	11,826
Cash dividends	$5,706,000	517
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,511,530	1,427
1993-12-31 (YTD Data)		Rank
Total interest income	$59,133,000	602
Total interest expense	$43,335,000	395
Net interest income	$15,798,000	1,152
Provision for loan and lease losses	$2,522,000	678
Total noninterest income	$21,202,000	372
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$21,202,000	263
Total noninterest expense	$31,609,000	599
Salaries and employee benefits	$12,492,000	586
Premises and equipment expense	$5,535,000	460
Additional noninterest expense	$13,582,000	618
Pre-tax net operating income	$2,869,000	2,394
Securities gains (losses)	$17,920,000	46
Applicable income taxes	$116,000	9,390
Income before extraordinary items	$20,673,000	307
Extraordinary gains, net	$0	3,149
Net income	$20,673,000	316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	12,473
Cash dividends	$7,755,000	344
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,932,200	1,622
1992-12-31 (YTD Data)		Rank
Total interest income	$62,873,000	631
Total interest expense	$50,752,000	431
Net interest income	$12,121,000	1,516
Provision for loan and lease losses	$939,000	1,913
Total noninterest income	$14,258,000	473
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$14,258,000	347
Total noninterest expense	$24,529,000	718
Salaries and employee benefits	$7,300,000	932
Premises and equipment expense	$5,034,000	511
Additional noninterest expense	$12,195,000	667
Pre-tax net operating income	$911,000	6,035
Securities gains (losses)	$1,884,000	427
Applicable income taxes	$0	12,680
Income before extraordinary items	$2,795,000	1,647
Extraordinary gains, net	$0	1,422
Net income	$2,795,000	1,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$2,147,000	796
Sale, conversion, retirement of capital stock, net	$2,000,000	305
Net operating income	$911,000	4,563

* 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.