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ValliWide Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$99,775,000	436
Total interest expense	$30,800,000	603
Net interest income	$68,975,000	344
Provision for loan and lease losses	$7,731,000	251
Total noninterest income	$15,121,000	458
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$8,137,000	230
Trading account gains and fees	$0	262
Additional Noninterest Income	$6,984,000	525
Total noninterest expense	$58,826,000	345
Salaries and employee benefits	$23,377,000	340
Premises and equipment expense	$11,142,000	262
Additional noninterest expense	$24,307,000	377
Pre-tax net operating income	$17,539,000	502
Securities gains (losses)	$16,000	2,154
Applicable income taxes	$6,556,000	477
Income before extraordinary items	$10,999,000	532
Extraordinary gains, net	$0	53
Net income	$10,999,000	534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,381,000	229
Cash dividends	$18,200,000	300
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$10,988,760	522
1995-12-31 (YTD Data)		Rank
Total interest income	$89,916,000	486
Total interest expense	$30,413,000	641
Net interest income	$59,503,000	397
Provision for loan and lease losses	$8,658,000	206
Total noninterest income	$10,773,000	578
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$6,247,000	289
Trading account gains and fees	$0	522
Additional Noninterest Income	$4,526,000	699
Total noninterest expense	$43,871,000	436
Salaries and employee benefits	$19,759,000	406
Premises and equipment expense	$9,068,000	319
Additional noninterest expense	$15,044,000	509
Pre-tax net operating income	$17,747,000	524
Securities gains (losses)	$39,000	1,464
Applicable income taxes	$7,233,000	465
Income before extraordinary items	$10,553,000	571
Extraordinary gains, net	$0	65
Net income	$10,553,000	571
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,759,000	223
Cash dividends	$4,800,000	660
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$10,528,040	561
1994-12-31 (YTD Data)		Rank
Total interest income	$45,218,000	763
Total interest expense	$11,358,000	1,156
Net interest income	$33,860,000	608
Provision for loan and lease losses	$2,423,000	496
Total noninterest income	$5,732,000	843
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$4,061,000	383
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,671,000	1,279
Total noninterest expense	$26,042,000	656
Salaries and employee benefits	$9,355,000	743
Premises and equipment expense	$5,268,000	465
Additional noninterest expense	$11,419,000	633
Pre-tax net operating income	$11,127,000	734
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$4,804,000	592
Income before extraordinary items	$6,325,000	832
Extraordinary gains, net	$0	249
Net income	$6,325,000	834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,197,000	529
Cash dividends	$2,175,000	1,036
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$6,323,720	832
1993-12-31 (YTD Data)		Rank
Total interest income	$33,992,000	949
Total interest expense	$9,116,000	1,468
Net interest income	$24,876,000	771
Provision for loan and lease losses	$1,376,000	1,060
Total noninterest income	$4,262,000	1,108
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$3,366,000	435
Trading account gains and fees	$0	532
Additional Noninterest Income	$896,000	2,210
Total noninterest expense	$18,323,000	904
Salaries and employee benefits	$7,038,000	961
Premises and equipment expense	$3,632,000	649
Additional noninterest expense	$7,653,000	922
Pre-tax net operating income	$9,439,000	776
Securities gains (losses)	$88,000	2,680
Applicable income taxes	$3,875,000	669
Income before extraordinary items	$5,652,000	923
Extraordinary gains, net	$0	3,149
Net income	$5,652,000	961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,438,000	891
Cash dividends	$1,600,000	1,208
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$5,595,680	878
1992-12-31 (YTD Data)		Rank
Total interest income	$32,553,000	1,119
Total interest expense	$10,644,000	1,625
Net interest income	$21,909,000	868
Provision for loan and lease losses	$1,210,000	1,628
Total noninterest income	$3,858,000	1,169
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$3,185,000	459
Trading account gains and fees	$0	504
Additional Noninterest Income	$673,000	2,609
Total noninterest expense	$16,664,000	987
Salaries and employee benefits	$5,475,000	1,225
Premises and equipment expense	$3,358,000	715
Additional noninterest expense	$7,831,000	932
Pre-tax net operating income	$7,893,000	815
Securities gains (losses)	$149,000	2,425
Applicable income taxes	$3,319,000	704
Income before extraordinary items	$4,723,000	1,009
Extraordinary gains, net	$0	1,422
Net income	$4,723,000	1,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$998,000	1,557
Cash dividends	$1,160,000	1,371
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$4,627,640	939

* 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.