TCB Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,985,000 | 2,179 |
| Total interest expense | $7,421,000 | 2,059 |
| Net interest income | $7,564,000 | 2,318 |
| Provision for loan and lease losses | $413,000 | 2,047 |
| Total noninterest income | $1,562,000 | 2,127 |
| Gross Fiduciary activities income | $75,000 | 1,107 |
| Service charges on deposit accounts | $402,000 | 3,214 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,085,000 | 1,657 |
| Total noninterest expense | $5,288,000 | 2,437 |
| Salaries and employee benefits | $2,922,000 | 2,265 |
| Premises and equipment expense | $954,000 | 2,068 |
| Additional noninterest expense | $1,412,000 | 2,894 |
| Pre-tax net operating income | $3,425,000 | 2,196 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $1,234,000 | 2,018 |
| Income before extraordinary items | $2,183,000 | 2,386 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,183,000 | 2,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 2,014 |
| Cash dividends | $1,512,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,188,120 | 2,321 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,099,000 | 2,364 |
| Total interest expense | $7,101,000 | 2,186 |
| Net interest income | $6,998,000 | 2,534 |
| Provision for loan and lease losses | $310,000 | 2,501 |
| Total noninterest income | $1,165,000 | 2,748 |
| Gross Fiduciary activities income | $35,000 | 1,287 |
| Service charges on deposit accounts | $355,000 | 3,710 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $775,000 | 2,150 |
| Total noninterest expense | $4,877,000 | 2,804 |
| Salaries and employee benefits | $2,563,000 | 2,617 |
| Premises and equipment expense | $857,000 | 2,307 |
| Additional noninterest expense | $1,457,000 | 3,198 |
| Pre-tax net operating income | $2,976,000 | 2,392 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $1,062,000 | 2,223 |
| Income before extraordinary items | $1,918,000 | 2,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,918,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,795 |
| Cash dividends | $504,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,915,440 | 2,498 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,845,000 | 2,603 |
| Total interest expense | $6,281,000 | 2,446 |
| Net interest income | $6,564,000 | 2,710 |
| Provision for loan and lease losses | $220,000 | 2,837 |
| Total noninterest income | $1,170,000 | 2,772 |
| Gross Fiduciary activities income | $36,000 | 1,342 |
| Service charges on deposit accounts | $341,000 | 3,856 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $793,000 | 2,117 |
| Total noninterest expense | $4,710,000 | 2,861 |
| Salaries and employee benefits | $2,310,000 | 2,884 |
| Premises and equipment expense | $827,000 | 2,414 |
| Additional noninterest expense | $1,573,000 | 2,977 |
| Pre-tax net operating income | $2,804,000 | 2,572 |
| Securities gains (losses) | $-145,000 | 11,604 |
| Applicable income taxes | $918,000 | 2,558 |
| Income before extraordinary items | $1,741,000 | 2,832 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,741,000 | 2,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $826,000 | 2,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,835,250 | 2,664 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,389,000 | 3,217 |
| Total interest expense | $4,182,000 | 2,925 |
| Net interest income | $5,207,000 | 3,437 |
| Provision for loan and lease losses | $237,000 | 2,735 |
| Total noninterest income | $835,000 | 3,586 |
| Gross Fiduciary activities income | $45,000 | 1,324 |
| Service charges on deposit accounts | $261,000 | 4,878 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $529,000 | 2,857 |
| Total noninterest expense | $3,579,000 | 3,772 |
| Salaries and employee benefits | $1,726,000 | 3,776 |
| Premises and equipment expense | $588,000 | 3,331 |
| Additional noninterest expense | $1,265,000 | 3,869 |
| Pre-tax net operating income | $2,226,000 | 3,142 |
| Securities gains (losses) | $-49,000 | 11,013 |
| Applicable income taxes | $649,000 | 3,287 |
| Income before extraordinary items | $1,528,000 | 3,126 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,528,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,659 |
| Cash dividends | $449,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,562,300 | 3,089 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,620,000 | 3,558 |
| Total interest expense | $4,093,000 | 3,100 |
| Net interest income | $4,527,000 | 3,912 |
| Provision for loan and lease losses | $138,000 | 4,876 |
| Total noninterest income | $766,000 | 4,131 |
| Gross Fiduciary activities income | $20,000 | 1,445 |
| Service charges on deposit accounts | $246,000 | 5,182 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $500,000 | 3,266 |
| Total noninterest expense | $3,288,000 | 4,146 |
| Salaries and employee benefits | $1,617,000 | 3,993 |
| Premises and equipment expense | $514,000 | 3,767 |
| Additional noninterest expense | $1,157,000 | 4,327 |
| Pre-tax net operating income | $1,867,000 | 3,552 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $526,000 | 3,993 |
| Income before extraordinary items | $1,368,000 | 3,534 |
| Extraordinary gains, net | $37,000 | 2,352 |
| Net income | $1,405,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 6,126 |
| Cash dividends | $486,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,348,560 | 3,388 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,000,000 | 3,854 |
| Total interest expense | $4,618,000 | 3,555 |
| Net interest income | $4,382,000 | 4,107 |
| Provision for loan and lease losses | $235,000 | 4,801 |
| Total noninterest income | $723,000 | 4,297 |
| Gross Fiduciary activities income | $27,000 | 1,450 |
| Service charges on deposit accounts | $226,000 | 5,500 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $470,000 | 3,314 |
| Total noninterest expense | $3,003,000 | 4,529 |
| Salaries and employee benefits | $1,459,000 | 4,330 |
| Premises and equipment expense | $501,000 | 3,964 |
| Additional noninterest expense | $1,043,000 | 4,883 |
| Pre-tax net operating income | $1,867,000 | 3,315 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $548,000 | 3,697 |
| Income before extraordinary items | $1,356,000 | 3,385 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,356,000 | 3,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 4,263 |
| Cash dividends | $335,000 | 3,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,329,730 | 3,202 |
* 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.