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Water Tower Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,206,000 | 6,298 |
| Total interest expense | $1,692,000 | 6,780 |
| Net interest income | $2,514,000 | 5,839 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $371,000 | 5,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,168 |
| Total noninterest expense | $1,999,000 | 5,603 |
| Salaries and employee benefits | $921,000 | 6,110 |
| Premises and equipment expense | $401,000 | 4,407 |
| Additional noninterest expense | $677,000 | 5,294 |
| Pre-tax net operating income | $886,000 | 5,785 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $234,000 | 5,789 |
| Income before extraordinary items | $652,000 | 5,807 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $652,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $967,000 | 2,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $652,000 | 5,699 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,816,000 | 6,827 |
| Total interest expense | $1,384,000 | 7,621 |
| Net interest income | $2,432,000 | 6,155 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $468,000 | 5,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,392 |
| Total noninterest expense | $1,890,000 | 5,873 |
| Salaries and employee benefits | $856,000 | 6,510 |
| Premises and equipment expense | $395,000 | 4,489 |
| Additional noninterest expense | $639,000 | 5,567 |
| Pre-tax net operating income | $1,010,000 | 5,803 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $241,000 | 6,346 |
| Income before extraordinary items | $769,000 | 5,587 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $769,000 | 5,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $329,000 | 4,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $769,000 | 5,540 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,693,000 | 7,169 |
| Total interest expense | $1,230,000 | 8,291 |
| Net interest income | $2,463,000 | 6,255 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $712,000 | 4,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $531,000 | 2,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,448 |
| Total noninterest expense | $1,942,000 | 6,062 |
| Salaries and employee benefits | $921,000 | 6,363 |
| Premises and equipment expense | $405,000 | 4,499 |
| Additional noninterest expense | $616,000 | 6,255 |
| Pre-tax net operating income | $1,093,000 | 5,434 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $270,000 | 6,178 |
| Income before extraordinary items | $823,000 | 5,206 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $823,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $823,000 | 5,140 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,738,000 | 7,268 |
| Total interest expense | $1,308,000 | 8,258 |
| Net interest income | $2,430,000 | 6,429 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $777,000 | 3,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $639,000 | 2,129 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,215 |
| Total noninterest expense | $1,810,000 | 6,430 |
| Salaries and employee benefits | $837,000 | 6,914 |
| Premises and equipment expense | $400,000 | 4,538 |
| Additional noninterest expense | $573,000 | 6,701 |
| Pre-tax net operating income | $1,157,000 | 5,392 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $287,000 | 6,172 |
| Income before extraordinary items | $870,000 | 5,121 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $870,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $870,000 | 5,107 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 8,878 |
| Total interest expense | $1,008,000 | 8,660 |
| Net interest income | $1,512,000 | 8,854 |
| Provision for loan and lease losses | $154,000 | 3,551 |
| Total noninterest income | $706,000 | 4,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,248,000 | 5,640 |
| Salaries and employee benefits | $835,000 | 7,011 |
| Premises and equipment expense | $519,000 | 3,679 |
| Additional noninterest expense | $894,000 | 5,195 |
| Pre-tax net operating income | $-184,000 | 12,254 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $41,000 | 10,670 |
| Income before extraordinary items | $-225,000 | 12,238 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-225,000 | 12,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-225,000 | 12,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,449,000 | 9,292 |
| Total interest expense | $958,000 | 9,293 |
| Net interest income | $1,491,000 | 9,149 |
| Provision for loan and lease losses | $-615,000 | 13,193 |
| Total noninterest income | $913,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $530,000 | 2,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $383,000 | 3,860 |
| Total noninterest expense | $2,900,000 | 4,651 |
| Salaries and employee benefits | $1,155,000 | 5,410 |
| Premises and equipment expense | $535,000 | 3,661 |
| Additional noninterest expense | $1,210,000 | 4,164 |
| Pre-tax net operating income | $119,000 | 11,725 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $120,000 | 11,568 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $120,000 | 11,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-283,000 | 13,170 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $119,000 | 11,382 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,990,000 | 9,000 |
| Total interest expense | $1,498,000 | 8,513 |
| Net interest income | $1,492,000 | 9,302 |
| Provision for loan and lease losses | $-908,000 | 13,905 |
| Total noninterest income | $856,000 | 3,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $540,000 | 2,553 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $316,000 | 4,287 |
| Total noninterest expense | $3,577,000 | 3,862 |
| Salaries and employee benefits | $985,000 | 6,119 |
| Premises and equipment expense | $713,000 | 2,874 |
| Additional noninterest expense | $1,879,000 | 2,954 |
| Pre-tax net operating income | $-321,000 | 13,189 |
| Securities gains (losses) | $264,000 | 1,651 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-57,000 | 13,006 |
| Extraordinary gains, net | $36,000 | 1,087 |
| Net income | $-21,000 | 12,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,080,000 | 13,929 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-321,000 | 13,163 |
* 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.