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Addison National Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,727,000	7,838
Total interest expense	$608,000	9,456
Net interest income	$2,119,000	6,458
Provision for loan and lease losses	$90,000	5,311
Total noninterest income	$378,000	5,789
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$323,000	3,709
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,990
Total noninterest expense	$1,960,000	5,674
Salaries and employee benefits	$1,071,000	5,514
Premises and equipment expense	$342,000	4,956
Additional noninterest expense	$547,000	6,110
Pre-tax net operating income	$447,000	7,638
Securities gains (losses)	$0	4,449
Applicable income taxes	$5,000	9,206
Income before extraordinary items	$442,000	6,973
Extraordinary gains, net	$0	32
Net income	$442,000	6,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	2,612
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$24,000	914
Net operating income	$442,000	6,870
1997-12-31 (YTD Data)		Rank
Total interest income	$2,684,000	8,148
Total interest expense	$549,000	9,971
Net interest income	$2,135,000	6,648
Provision for loan and lease losses	$637,000	1,434
Total noninterest income	$337,000	6,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$290,000	4,180
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	8,573
Total noninterest expense	$2,522,000	4,753
Salaries and employee benefits	$1,044,000	5,696
Premises and equipment expense	$340,000	5,014
Additional noninterest expense	$1,138,000	3,501
Pre-tax net operating income	$-687,000	10,796
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-687,000	10,805
Extraordinary gains, net	$0	44
Net income	$-687,000	10,804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$560,000	1,234
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$18,000	924
Net operating income	$-687,000	10,793
1996-12-31 (YTD Data)		Rank
Total interest income	$2,400,000	8,821
Total interest expense	$511,000	10,565
Net interest income	$1,889,000	7,373
Provision for loan and lease losses	$325,000	2,425
Total noninterest income	$464,000	5,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$314,000	4,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$150,000	5,966
Total noninterest expense	$1,582,000	6,887
Salaries and employee benefits	$832,000	6,820
Premises and equipment expense	$261,000	6,091
Additional noninterest expense	$489,000	7,150
Pre-tax net operating income	$446,000	8,235
Securities gains (losses)	$0	4,148
Applicable income taxes	$-74,000	11,135
Income before extraordinary items	$520,000	6,764
Extraordinary gains, net	$0	53
Net income	$520,000	6,767
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$352,000	1,845
Cash dividends	$15,000	8,125
Sale, conversion, retirement of capital stock, net	$-18,000	11,312
Net operating income	$520,000	6,711
1995-12-31 (YTD Data)		Rank
Total interest income	$1,972,000	9,758
Total interest expense	$425,000	11,257
Net interest income	$1,547,000	8,401
Provision for loan and lease losses	$44,000	6,492
Total noninterest income	$374,000	6,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$335,000	3,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	9,762
Total noninterest expense	$1,456,000	7,411
Salaries and employee benefits	$761,000	7,346
Premises and equipment expense	$250,000	6,348
Additional noninterest expense	$445,000	7,748
Pre-tax net operating income	$421,000	8,932
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$421,000	7,876
Extraordinary gains, net	$0	65
Net income	$421,000	7,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,374
Cash dividends	$36,000	8,073
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$421,000	7,844
1994-12-31 (YTD Data)		Rank
Total interest income	$1,550,000	10,639
Total interest expense	$341,000	11,855
Net interest income	$1,209,000	9,743
Provision for loan and lease losses	$4,000	8,908
Total noninterest income	$431,000	5,844
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$393,000	3,430
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	10,284
Total noninterest expense	$1,504,000	7,580
Salaries and employee benefits	$791,000	7,253
Premises and equipment expense	$223,000	7,003
Additional noninterest expense	$490,000	7,947
Pre-tax net operating income	$132,000	11,395
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$132,000	11,039
Extraordinary gains, net	$130,000	95
Net income	$262,000	9,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	11,382
Cash dividends	$36,000	8,262
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$132,000	11,091
1993-12-31 (YTD Data)		Rank
Total interest income	$1,270,000	11,745
Total interest expense	$316,000	12,604
Net interest income	$954,000	10,942
Provision for loan and lease losses	$-61,000	12,795
Total noninterest income	$504,000	5,562
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$452,000	3,064
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,987
Total noninterest expense	$1,341,000	8,370
Salaries and employee benefits	$640,000	8,474
Premises and equipment expense	$200,000	7,681
Additional noninterest expense	$501,000	8,201
Pre-tax net operating income	$178,000	11,234
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$178,000	10,893
Extraordinary gains, net	$0	3,149
Net income	$178,000	10,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	12,527
Cash dividends	$27,000	8,519
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$178,000	10,677
1992-12-31 (YTD Data)		Rank
Total interest income	$1,269,000	12,464
Total interest expense	$423,000	13,098
Net interest income	$846,000	11,723
Provision for loan and lease losses	$-48,000	13,608
Total noninterest income	$504,000	5,606
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$452,000	3,094
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	10,289
Total noninterest expense	$1,299,000	8,666
Salaries and employee benefits	$620,000	8,641
Premises and equipment expense	$213,000	7,557
Additional noninterest expense	$466,000	8,795
Pre-tax net operating income	$99,000	12,031
Securities gains (losses)	$0	8,369
Applicable income taxes	$8,000	12,420
Income before extraordinary items	$91,000	12,057
Extraordinary gains, net	$8,000	1,365
Net income	$99,000	12,025
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	13,409
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$585,000	521
Net operating income	$91,000	11,754

* 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.