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Ashland State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,015,000	7,969
Total interest expense	$1,148,000	8,534
Net interest income	$1,867,000	7,431
Provision for loan and lease losses	$122,000	4,550
Total noninterest income	$389,000	6,035
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$351,000	3,743
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	9,447
Total noninterest expense	$1,589,000	6,871
Salaries and employee benefits	$782,000	7,072
Premises and equipment expense	$265,000	6,035
Additional noninterest expense	$542,000	6,749
Pre-tax net operating income	$545,000	7,709
Securities gains (losses)	$0	4,148
Applicable income taxes	$170,000	7,580
Income before extraordinary items	$375,000	7,821
Extraordinary gains, net	$0	53
Net income	$375,000	7,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,819
Cash dividends	$479,000	3,529
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$375,000	7,760
1995-12-31 (YTD Data)		Rank
Total interest income	$3,063,000	8,116
Total interest expense	$1,122,000	8,837
Net interest income	$1,941,000	7,433
Provision for loan and lease losses	$139,000	3,796
Total noninterest income	$381,000	6,163
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$346,000	3,807
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,970
Total noninterest expense	$1,556,000	7,101
Salaries and employee benefits	$834,000	6,925
Premises and equipment expense	$266,000	6,114
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$627,000	7,722
Securities gains (losses)	$0	3,831
Applicable income taxes	$189,000	7,616
Income before extraordinary items	$438,000	7,744
Extraordinary gains, net	$0	65
Net income	$438,000	7,743
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,707
Cash dividends	$554,000	3,095
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$438,000	7,715
1994-12-31 (YTD Data)		Rank
Total interest income	$2,818,000	8,362
Total interest expense	$890,000	9,177
Net interest income	$1,928,000	7,731
Provision for loan and lease losses	$130,000	3,886
Total noninterest income	$413,000	6,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$372,000	3,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$1,480,000	7,657
Salaries and employee benefits	$788,000	7,270
Premises and equipment expense	$253,000	6,473
Additional noninterest expense	$439,000	8,431
Pre-tax net operating income	$731,000	7,236
Securities gains (losses)	$0	3,600
Applicable income taxes	$212,000	7,149
Income before extraordinary items	$519,000	7,164
Extraordinary gains, net	$0	249
Net income	$519,000	7,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,684
Cash dividends	$381,000	3,863
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$519,000	7,200
1993-12-31 (YTD Data)		Rank
Total interest income	$2,716,000	8,800
Total interest expense	$1,001,000	9,105
Net interest income	$1,715,000	8,454
Provision for loan and lease losses	$207,000	3,838
Total noninterest income	$437,000	6,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$384,000	3,579
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	9,919
Total noninterest expense	$1,551,000	7,643
Salaries and employee benefits	$772,000	7,486
Premises and equipment expense	$254,000	6,618
Additional noninterest expense	$525,000	7,993
Pre-tax net operating income	$394,000	9,456
Securities gains (losses)	$20,000	4,664
Applicable income taxes	$101,000	9,717
Income before extraordinary items	$313,000	9,328
Extraordinary gains, net	$0	3,149
Net income	$313,000	9,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	3,355
Cash dividends	$242,000	4,960
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$297,800	9,245
1992-12-31 (YTD Data)		Rank
Total interest income	$2,644,000	9,643
Total interest expense	$1,113,000	9,939
Net interest income	$1,531,000	9,183
Provision for loan and lease losses	$80,000	7,886
Total noninterest income	$492,000	5,703
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$415,000	3,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,979
Total noninterest expense	$1,380,000	8,372
Salaries and employee benefits	$744,000	7,653
Premises and equipment expense	$221,000	7,368
Additional noninterest expense	$415,000	9,394
Pre-tax net operating income	$563,000	7,970
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$177,000	8,040
Income before extraordinary items	$395,000	8,271
Extraordinary gains, net	$0	1,422
Net income	$395,000	8,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	6,983
Cash dividends	$179,000	5,378
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$388,790	7,976

* 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.