Home > Western Financial Bank > Income and Expense

Western Financial Bank, Income and Expense

2005-12-31 (YTD Data)		Rank
Total interest income	$1,271,582,000	59
Total interest expense	$487,502,000	58
Net interest income	$784,080,000	57
Provision for loan and lease losses	$187,198,000	21
Total noninterest income	$73,830,000	174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$73,830,000	138
Total noninterest expense	$301,332,000	102
Salaries and employee benefits	$174,133,000	82
Premises and equipment expense	$38,431,000	95
Additional noninterest expense	$88,768,000	128
Pre-tax net operating income	$369,380,000	73
Securities gains (losses)	$2,000	1,993
Applicable income taxes	$160,874,000	62
Income before extraordinary items	$208,508,000	84
Extraordinary gains, net	$0	46
Net income	$208,508,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,621,000	27
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$208,506,720	80
2005-09-30 (YTD Data)		Rank
Total interest income	$918,394,000	60
Total interest expense	$351,076,000	59
Net interest income	$567,318,000	60
Provision for loan and lease losses	$131,601,000	23
Total noninterest income	$57,457,000	176
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$57,457,000	138
Total noninterest expense	$225,098,000	104
Salaries and employee benefits	$131,215,000	82
Premises and equipment expense	$28,167,000	98
Additional noninterest expense	$65,716,000	133
Pre-tax net operating income	$268,076,000	75
Securities gains (losses)	$1,000	2,135
Applicable income taxes	$115,685,000	64
Income before extraordinary items	$152,392,000	87
Extraordinary gains, net	$0	35
Net income	$152,392,000	87
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,384,000	28
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$152,391,360	82
2005-06-30 (YTD Data)		Rank
Total interest income	$587,653,000	59
Total interest expense	$220,682,000	59
Net interest income	$366,971,000	59
Provision for loan and lease losses	$89,462,000	18
Total noninterest income	$39,095,000	173
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$39,095,000	135
Total noninterest expense	$148,341,000	104
Salaries and employee benefits	$88,733,000	81
Premises and equipment expense	$18,279,000	100
Additional noninterest expense	$41,329,000	133
Pre-tax net operating income	$168,263,000	77
Securities gains (losses)	$0	2,146
Applicable income taxes	$71,704,000	68
Income before extraordinary items	$96,559,000	91
Extraordinary gains, net	$0	30
Net income	$96,559,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,690,000	29
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$96,559,000	86
2005-03-31 (YTD Data)		Rank
Total interest income	$285,471,000	61
Total interest expense	$102,828,000	58
Net interest income	$182,643,000	62
Provision for loan and lease losses	$49,220,000	18
Total noninterest income	$19,540,000	174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$19,540,000	139
Total noninterest expense	$72,872,000	108
Salaries and employee benefits	$44,423,000	83
Premises and equipment expense	$8,997,000	106
Additional noninterest expense	$19,452,000	141
Pre-tax net operating income	$80,091,000	82
Securities gains (losses)	$0	1,685
Applicable income taxes	$34,103,000	70
Income before extraordinary items	$45,988,000	97
Extraordinary gains, net	$0	24
Net income	$45,988,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,222,000	29
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$45,988,000	93
2004-12-31 (YTD Data)		Rank
Total interest income	$1,016,596,000	60
Total interest expense	$378,796,000	49
Net interest income	$637,800,000	63
Provision for loan and lease losses	$192,659,000	21
Total noninterest income	$128,815,000	133
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$128,815,000	97
Total noninterest expense	$296,184,000	109
Salaries and employee benefits	$179,413,000	80
Premises and equipment expense	$35,725,000	99
Additional noninterest expense	$81,046,000	137
Pre-tax net operating income	$277,772,000	86
Securities gains (losses)	$16,203,000	45
Applicable income taxes	$126,032,000	70
Income before extraordinary items	$167,943,000	94
Extraordinary gains, net	$0	34
Net income	$167,943,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,961,000	29
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$157,573,080	97
2004-09-30 (YTD Data)		Rank
Total interest income	$747,123,000	63
Total interest expense	$280,312,000	49
Net interest income	$466,811,000	67
Provision for loan and lease losses	$133,723,000	26
Total noninterest income	$97,968,000	140
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$97,968,000	105
Total noninterest expense	$221,919,000	113
Salaries and employee benefits	$133,466,000	85
Premises and equipment expense	$25,853,000	106
Additional noninterest expense	$62,600,000	137
Pre-tax net operating income	$209,137,000	91
Securities gains (losses)	$16,202,000	38
Applicable income taxes	$98,471,000	74
Income before extraordinary items	$126,868,000	99
Extraordinary gains, net	$0	26
Net income	$126,868,000	100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,630,000	30
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$116,498,720	101
2004-06-30 (YTD Data)		Rank
Total interest income	$490,370,000	65
Total interest expense	$186,124,000	51
Net interest income	$304,246,000	69
Provision for loan and lease losses	$73,753,000	32
Total noninterest income	$64,771,000	141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$64,771,000	109
Total noninterest expense	$148,850,000	114
Salaries and employee benefits	$89,049,000	86
Premises and equipment expense	$17,263,000	105
Additional noninterest expense	$42,538,000	134
Pre-tax net operating income	$146,414,000	85
Securities gains (losses)	$16,202,000	30
Applicable income taxes	$70,997,000	73
Income before extraordinary items	$91,619,000	94
Extraordinary gains, net	$0	21
Net income	$91,619,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,717,000	33
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$81,249,720	97
2004-03-31 (YTD Data)		Rank
Total interest income	$253,239,000	63
Total interest expense	$97,417,000	50
Net interest income	$155,822,000	68
Provision for loan and lease losses	$19,907,000	51
Total noninterest income	$31,510,000	137
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$31,510,000	106
Total noninterest expense	$73,663,000	113
Salaries and employee benefits	$42,738,000	86
Premises and equipment expense	$8,684,000	106
Additional noninterest expense	$22,241,000	134
Pre-tax net operating income	$93,762,000	69
Securities gains (losses)	$13,792,000	30
Applicable income taxes	$46,734,000	61
Income before extraordinary items	$60,820,000	74
Extraordinary gains, net	$0	16
Net income	$60,820,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,819,000	32
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$51,993,120	80
2003-12-31 (YTD Data)		Rank
Total interest income	$1,091,236,000	57
Total interest expense	$459,695,000	44
Net interest income	$631,541,000	68
Provision for loan and lease losses	$230,207,000	30
Total noninterest income	$104,807,000	152
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$104,807,000	121
Total noninterest expense	$276,192,000	118
Salaries and employee benefits	$168,847,000	86
Premises and equipment expense	$35,696,000	103
Additional noninterest expense	$71,649,000	155
Pre-tax net operating income	$229,949,000	92
Securities gains (losses)	$28,540,000	56
Applicable income taxes	$112,720,000	80
Income before extraordinary items	$145,769,000	100
Extraordinary gains, net	$0	54
Net income	$145,769,000	101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$219,629,000	31
Cash dividends	$17,000,000	269
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$127,503,400	108
2003-09-30 (YTD Data)		Rank
Total interest income	$830,581,000	56
Total interest expense	$357,055,000	39
Net interest income	$473,526,000	66
Provision for loan and lease losses	$160,672,000	30
Total noninterest income	$77,738,000	153
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$77,738,000	121
Total noninterest expense	$206,884,000	120
Salaries and employee benefits	$125,379,000	87
Premises and equipment expense	$27,139,000	103
Additional noninterest expense	$54,366,000	155
Pre-tax net operating income	$183,708,000	89
Securities gains (losses)	$26,714,000	53
Applicable income taxes	$91,821,000	74
Income before extraordinary items	$118,601,000	95
Extraordinary gains, net	$0	40
Net income	$118,601,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,023,000	31
Cash dividends	$17,000,000	218
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$101,504,040	102
2003-06-30 (YTD Data)		Rank
Total interest income	$556,799,000	57
Total interest expense	$244,048,000	40
Net interest income	$312,751,000	66
Provision for loan and lease losses	$136,181,000	27
Total noninterest income	$55,372,000	151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$55,372,000	112
Total noninterest expense	$135,738,000	121
Salaries and employee benefits	$84,573,000	87
Premises and equipment expense	$18,268,000	104
Additional noninterest expense	$32,897,000	161
Pre-tax net operating income	$96,204,000	105
Securities gains (losses)	$1,370,000	294
Applicable income taxes	$42,271,000	92
Income before extraordinary items	$55,303,000	120
Extraordinary gains, net	$0	30
Net income	$55,303,000	120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,199,000	30
Cash dividends	$17,000,000	148
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$54,426,200	115
2003-03-31 (YTD Data)		Rank
Total interest income	$275,338,000	58
Total interest expense	$123,673,000	39
Net interest income	$151,665,000	65
Provision for loan and lease losses	$71,844,000	26
Total noninterest income	$28,151,000	150
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$28,151,000	115
Total noninterest expense	$64,084,000	121
Salaries and employee benefits	$40,603,000	91
Premises and equipment expense	$8,932,000	108
Additional noninterest expense	$14,549,000	171
Pre-tax net operating income	$43,888,000	116
Securities gains (losses)	$0	2,891
Applicable income taxes	$19,053,000	104
Income before extraordinary items	$24,835,000	132
Extraordinary gains, net	$0	21
Net income	$24,835,000	132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,989,000	29
Cash dividends	$12,000,000	115
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$24,835,000	124
2002-12-31 (YTD Data)		Rank
Total interest income	$957,244,000	65
Total interest expense	$431,903,000	58
Net interest income	$525,341,000	68
Provision for loan and lease losses	$247,581,000	29
Total noninterest income	$98,304,000	159
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$98,304,000	121
Total noninterest expense	$215,944,000	137
Salaries and employee benefits	$140,189,000	92
Premises and equipment expense	$36,443,000	106
Additional noninterest expense	$39,312,000	234
Pre-tax net operating income	$160,120,000	119
Securities gains (losses)	$-53,000	9,076
Applicable income taxes	$63,818,000	110
Income before extraordinary items	$96,249,000	139
Extraordinary gains, net	$340,000	24
Net income	$96,589,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,028,000	38
Cash dividends	$16,100,000	258
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$96,282,920	125
2001-12-31 (YTD Data)		Rank
Total interest income	$719,384,000	96
Total interest expense	$365,027,000	91
Net interest income	$354,357,000	96
Provision for loan and lease losses	$133,768,000	52
Total noninterest income	$120,546,000	141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$120,546,000	117
Total noninterest expense	$222,626,000	132
Salaries and employee benefits	$143,764,000	89
Premises and equipment expense	$35,817,000	103
Additional noninterest expense	$43,045,000	224
Pre-tax net operating income	$118,509,000	142
Securities gains (losses)	$7,295,000	109
Applicable income taxes	$53,143,000	118
Income before extraordinary items	$72,661,000	152
Extraordinary gains, net	$16,000	88
Net income	$72,677,000	152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,723,000	66
Cash dividends	$57,100,000	124
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$67,992,200	151
2000-12-31 (YTD Data)		Rank
Total interest income	$503,509,000	135
Total interest expense	$271,715,000	129
Net interest income	$231,794,000	135
Provision for loan and lease losses	$65,630,000	76
Total noninterest income	$167,606,000	117
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$167,606,000	88
Total noninterest expense	$210,357,000	142
Salaries and employee benefits	$134,127,000	94
Premises and equipment expense	$32,425,000	112
Additional noninterest expense	$43,805,000	214
Pre-tax net operating income	$123,413,000	131
Securities gains (losses)	$20,007,000	19
Applicable income taxes	$62,574,000	94
Income before extraordinary items	$80,846,000	126
Extraordinary gains, net	$242,000	12
Net income	$81,088,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,187,000	89
Cash dividends	$3,500,000	840
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$68,041,520	149
1999-12-31 (YTD Data)		Rank
Total interest income	$295,051,000	177
Total interest expense	$151,376,000	169
Net interest income	$143,675,000	187
Provision for loan and lease losses	$38,401,000	88
Total noninterest income	$145,653,000	131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$145,653,000	96
Total noninterest expense	$215,144,000	136
Salaries and employee benefits	$132,456,000	91
Premises and equipment expense	$30,970,000	116
Additional noninterest expense	$51,718,000	201
Pre-tax net operating income	$35,783,000	314
Securities gains (losses)	$59,663,000	9
Applicable income taxes	$42,624,000	143
Income before extraordinary items	$52,822,000	181
Extraordinary gains, net	$2,132,000	6
Net income	$54,954,000	176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,925,000	137
Cash dividends	$12,000,000	344
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$14,637,680	449
1998-12-31 (YTD Data)		Rank
Total interest income	$269,072,000	189
Total interest expense	$160,813,000	162
Net interest income	$108,259,000	210
Provision for loan and lease losses	$18,960,000	142
Total noninterest income	$81,611,000	181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$81,611,000	147
Total noninterest expense	$244,751,000	122
Salaries and employee benefits	$136,388,000	84
Premises and equipment expense	$32,974,000	106
Additional noninterest expense	$75,389,000	169
Pre-tax net operating income	$-73,841,000	10,482
Securities gains (losses)	$49,651,000	18
Applicable income taxes	$-10,631,000	10,459
Income before extraordinary items	$-13,559,000	10,459
Extraordinary gains, net	$873,000	4
Net income	$-12,686,000	10,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,377,000	130
Cash dividends	$14,000,000	307
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-45,335,640	10,461
1997-12-31 (YTD Data)		Rank
Total interest income	$268,554,000	197
Total interest expense	$159,510,000	173
Net interest income	$109,044,000	225
Provision for loan and lease losses	$12,851,000	176
Total noninterest income	$156,136,000	106
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$156,136,000	76
Total noninterest expense	$245,299,000	116
Salaries and employee benefits	$137,915,000	83
Premises and equipment expense	$37,867,000	89
Additional noninterest expense	$69,517,000	169
Pre-tax net operating income	$7,030,000	1,138
Securities gains (losses)	$63,635,000	11
Applicable income taxes	$32,382,000	164
Income before extraordinary items	$38,283,000	212
Extraordinary gains, net	$0	44
Net income	$38,283,000	212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,813,000	136
Cash dividends	$46,000,000	136
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-2,443,400	10,885
1996-12-31 (YTD Data)		Rank
Total interest income	$242,227,000	227
Total interest expense	$139,189,000	203
Net interest income	$103,038,000	262
Provision for loan and lease losses	$13,571,000	170
Total noninterest income	$129,782,000	121
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$129,782,000	88
Total noninterest expense	$211,962,000	140
Salaries and employee benefits	$100,639,000	110
Premises and equipment expense	$36,210,000	99
Additional noninterest expense	$75,113,000	179
Pre-tax net operating income	$7,287,000	1,033
Securities gains (losses)	$53,570,000	9
Applicable income taxes	$27,618,000	180
Income before extraordinary items	$33,239,000	242
Extraordinary gains, net	$0	53
Net income	$33,239,000	242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,131,000	170
Cash dividends	$5,000,000	662
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-1,045,800	11,349
1995-12-31 (YTD Data)		Rank
Total interest income	$222,937,000	251
Total interest expense	$139,281,000	214
Net interest income	$83,656,000	304
Provision for loan and lease losses	$11,470,000	170
Total noninterest income	$100,850,000	145
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$100,850,000	99
Total noninterest expense	$135,373,000	194
Salaries and employee benefits	$65,822,000	152
Premises and equipment expense	$20,866,000	169
Additional noninterest expense	$48,685,000	241
Pre-tax net operating income	$37,663,000	307
Securities gains (losses)	$21,113,000	17
Applicable income taxes	$24,189,000	198
Income before extraordinary items	$34,587,000	252
Extraordinary gains, net	$-1,160,000	11,961
Net income	$33,427,000	257
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,528,000	140
Cash dividends	$21,500,000	242
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$21,074,680	338
1994-12-31 (YTD Data)		Rank
Total interest income	$143,032,000	312
Total interest expense	$88,765,000	239
Net interest income	$54,267,000	415
Provision for loan and lease losses	$12,915,000	162
Total noninterest income	$89,325,000	154
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$89,325,000	98
Total noninterest expense	$99,088,000	247
Salaries and employee benefits	$36,286,000	254
Premises and equipment expense	$18,920,000	178
Additional noninterest expense	$43,882,000	258
Pre-tax net operating income	$31,589,000	319
Securities gains (losses)	$-354,000	12,156
Applicable income taxes	$11,671,000	303
Income before extraordinary items	$19,564,000	324
Extraordinary gains, net	$0	249
Net income	$19,564,000	324
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,179,000	190
Cash dividends	$24,600,000	183
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$19,790,560	326
1993-12-31 (YTD Data)		Rank
Total interest income	$155,777,000	289
Total interest expense	$100,294,000	196
Net interest income	$55,483,000	404
Provision for loan and lease losses	$17,541,000	177
Total noninterest income	$44,929,000	232
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$44,929,000	146
Total noninterest expense	$80,046,000	288
Salaries and employee benefits	$33,299,000	267
Premises and equipment expense	$13,653,000	225
Additional noninterest expense	$33,094,000	329
Pre-tax net operating income	$2,825,000	2,435
Securities gains (losses)	$21,346,000	39
Applicable income taxes	$9,931,000	312
Income before extraordinary items	$14,240,000	406
Extraordinary gains, net	$-1,323,000	13,217
Net income	$12,917,000	446
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,586,000	148
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$25,000,000	59
Net operating income	$578,560	6,695
1992-12-31 (YTD Data)		Rank
Total interest income	$213,813,000	239
Total interest expense	$136,805,000	177
Net interest income	$77,008,000	308
Provision for loan and lease losses	$58,939,000	90
Total noninterest income	$39,068,000	242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$39,068,000	159
Total noninterest expense	$66,551,000	323
Salaries and employee benefits	$25,663,000	315
Premises and equipment expense	$12,122,000	249
Additional noninterest expense	$28,766,000	361
Pre-tax net operating income	$-9,414,000	13,869
Securities gains (losses)	$11,585,000	102
Applicable income taxes	$1,152,000	1,830
Income before extraordinary items	$1,019,000	4,416
Extraordinary gains, net	$0	1,422
Net income	$1,019,000	4,460
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,651,000	177
Cash dividends	$4,425,000	423
Sale, conversion, retirement of capital stock, net	$8,200,000	114
Net operating income	$-6,395,400	13,798

* 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.