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1st Floyd Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$12,262,000	2,842
Total interest expense	$6,354,000	2,624
Net interest income	$5,908,000	2,995
Provision for loan and lease losses	$814,000	1,259
Total noninterest income	$945,000	3,263
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$723,000	1,910
Trading account gains and fees	NA	NA
Additional Noninterest Income	$222,000	4,551
Total noninterest expense	$4,054,000	3,299
Salaries and employee benefits	$2,382,000	2,966
Premises and equipment expense	$465,000	4,020
Additional noninterest expense	$1,207,000	3,414
Pre-tax net operating income	$1,985,000	3,344
Securities gains (losses)	$-20,000	8,739
Applicable income taxes	$642,000	2,979
Income before extraordinary items	$1,323,000	3,590
Extraordinary gains, net	$0	38
Net income	$1,323,000	3,590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$346,000	1,645
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,336,400	3,545
1999-12-31 (YTD Data)		Rank
Total interest income	$8,814,000	3,591
Total interest expense	$4,137,000	3,488
Net interest income	$4,677,000	3,667
Provision for loan and lease losses	$479,000	1,839
Total noninterest income	$735,000	3,844
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$494,000	2,664
Trading account gains and fees	NA	NA
Additional Noninterest Income	$241,000	4,521
Total noninterest expense	$4,344,000	3,073
Salaries and employee benefits	$2,388,000	2,931
Premises and equipment expense	$965,000	2,116
Additional noninterest expense	$991,000	4,048
Pre-tax net operating income	$589,000	6,751
Securities gains (losses)	$-5,000	9,083
Applicable income taxes	$-2,000	9,609
Income before extraordinary items	$586,000	5,968
Extraordinary gains, net	$0	35
Net income	$586,000	5,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	2,934
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$591,000	5,916
1998-12-31 (YTD Data)		Rank
Total interest income	$7,025,000	4,382
Total interest expense	$3,362,000	4,301
Net interest income	$3,663,000	4,419
Provision for loan and lease losses	$240,000	3,065
Total noninterest income	$449,000	5,253
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$274,000	4,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$175,000	5,296
Total noninterest expense	$2,831,000	4,338
Salaries and employee benefits	$1,677,000	3,888
Premises and equipment expense	$378,000	4,620
Additional noninterest expense	$776,000	4,780
Pre-tax net operating income	$1,041,000	5,296
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$411,000	4,344
Income before extraordinary items	$634,000	5,888
Extraordinary gains, net	$0	32
Net income	$634,000	5,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,550
Cash dividends	$72,000	6,616
Sale, conversion, retirement of capital stock, net	$1,560,000	419
Net operating income	$631,440	5,799
1997-12-31 (YTD Data)		Rank
Total interest income	$4,381,000	6,322
Total interest expense	$1,922,000	6,417
Net interest income	$2,459,000	6,120
Provision for loan and lease losses	$180,000	3,648
Total noninterest income	$276,000	6,941
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$185,000	5,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,039
Total noninterest expense	$2,000,000	5,657
Salaries and employee benefits	$1,219,000	5,023
Premises and equipment expense	$283,000	5,622
Additional noninterest expense	$498,000	6,514
Pre-tax net operating income	$555,000	7,639
Securities gains (losses)	$-5,000	9,661
Applicable income taxes	$246,000	6,296
Income before extraordinary items	$304,000	8,345
Extraordinary gains, net	$0	44
Net income	$304,000	8,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	10,507
Cash dividends	$60,000	7,029
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$307,200	8,283
1996-12-31 (YTD Data)		Rank
Total interest income	$2,789,000	8,293
Total interest expense	$1,143,000	8,551
Net interest income	$1,646,000	7,918
Provision for loan and lease losses	$154,000	4,014
Total noninterest income	$208,000	8,116
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,188
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,253
Total noninterest expense	$1,506,000	7,090
Salaries and employee benefits	$873,000	6,599
Premises and equipment expense	$267,000	6,002
Additional noninterest expense	$366,000	8,194
Pre-tax net operating income	$194,000	9,824
Securities gains (losses)	$-4,000	9,823
Applicable income taxes	$62,000	9,472
Income before extraordinary items	$128,000	9,976
Extraordinary gains, net	$0	53
Net income	$128,000	9,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	10,470
Cash dividends	$55,000	7,439
Sale, conversion, retirement of capital stock, net	$688,000	427
Net operating income	$130,680	9,910
1995-12-31 (YTD Data)		Rank
Total interest income	$1,694,000	10,192
Total interest expense	$633,000	10,556
Net interest income	$1,061,000	9,747
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$175,000	8,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	7,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,621
Total noninterest expense	$961,000	9,113
Salaries and employee benefits	$572,000	8,547
Premises and equipment expense	$144,000	8,429
Additional noninterest expense	$245,000	9,885
Pre-tax net operating income	$263,000	10,018
Securities gains (losses)	$0	3,831
Applicable income taxes	$85,000	9,494
Income before extraordinary items	$178,000	10,185
Extraordinary gains, net	$0	65
Net income	$178,000	10,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	11,454
Cash dividends	$52,000	7,709
Sale, conversion, retirement of capital stock, net	$722,000	336
Net operating income	$178,000	10,155
1994-12-31 (YTD Data)		Rank
Total interest income	$1,098,000	11,532
Total interest expense	$416,000	11,496
Net interest income	$682,000	11,443
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$132,000	10,075
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	7,891
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,176
Total noninterest expense	$724,000	10,599
Salaries and employee benefits	$397,000	10,314
Premises and equipment expense	$115,000	9,543
Additional noninterest expense	$212,000	10,993
Pre-tax net operating income	$83,000	11,733
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$12,000	11,330
Income before extraordinary items	$70,000	11,659
Extraordinary gains, net	$0	249
Net income	$70,000	11,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,783
Cash dividends	$41,000	8,152
Sale, conversion, retirement of capital stock, net	$1,333,000	373
Net operating income	$70,850	11,695
1993-12-31 (YTD Data)		Rank
Total interest income	$1,062,000	12,152
Total interest expense	$382,000	12,307
Net interest income	$680,000	11,943
Provision for loan and lease losses	$43,000	7,841
Total noninterest income	$129,000	10,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	8,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$574,000	11,778
Salaries and employee benefits	$305,000	11,596
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$182,000	11,988
Pre-tax net operating income	$192,000	11,115
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$2,000	12,040
Income before extraordinary items	$196,000	10,705
Extraordinary gains, net	$71,000	1,896
Net income	$267,000	9,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	4,285
Cash dividends	$40,000	8,186
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$190,060	10,542
1992-12-31 (YTD Data)		Rank
Total interest income	$1,242,000	12,509
Total interest expense	$538,000	12,582
Net interest income	$704,000	12,306
Provision for loan and lease losses	$72,000	8,175
Total noninterest income	$106,000	11,552
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	8,897
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,735
Total noninterest expense	$630,000	11,879
Salaries and employee benefits	$333,000	11,632
Premises and equipment expense	$49,000	12,719
Additional noninterest expense	$248,000	11,558
Pre-tax net operating income	$108,000	11,937
Securities gains (losses)	$-14,000	13,390
Applicable income taxes	$-7,000	13,388
Income before extraordinary items	$101,000	11,925
Extraordinary gains, net	$0	1,422
Net income	$101,000	11,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	10,059
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$791,000	460
Net operating income	$115,000	11,431

* 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.