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Bank of Milan, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$3,771,000	6,690
Total interest expense	$1,485,000	7,222
Net interest income	$2,286,000	6,149
Provision for loan and lease losses	$244,000	3,045
Total noninterest income	$675,000	4,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$230,000	4,749
Trading account gains and fees	NA	NA
Additional Noninterest Income	$445,000	3,216
Total noninterest expense	$1,314,000	7,211
Salaries and employee benefits	$741,000	6,971
Premises and equipment expense	$166,000	7,324
Additional noninterest expense	$407,000	7,159
Pre-tax net operating income	$1,403,000	4,399
Securities gains (losses)	$0	4,449
Applicable income taxes	$479,000	3,952
Income before extraordinary items	$924,000	4,745
Extraordinary gains, net	$0	32
Net income	$924,000	4,744
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,956
Cash dividends	$330,000	4,357
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$924,000	4,657
1997-12-31 (YTD Data)		Rank
Total interest income	$3,072,000	7,672
Total interest expense	$1,240,000	8,008
Net interest income	$1,832,000	7,247
Provision for loan and lease losses	$112,000	4,932
Total noninterest income	$585,000	4,489
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$201,000	5,322
Trading account gains and fees	NA	NA
Additional Noninterest Income	$384,000	3,369
Total noninterest expense	$1,292,000	7,367
Salaries and employee benefits	$620,000	7,785
Premises and equipment expense	$119,000	8,523
Additional noninterest expense	$553,000	6,099
Pre-tax net operating income	$1,013,000	5,791
Securities gains (losses)	$-1,000	9,009
Applicable income taxes	$347,000	5,340
Income before extraordinary items	$665,000	6,044
Extraordinary gains, net	$0	44
Net income	$665,000	6,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,391
Cash dividends	$150,000	5,875
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$665,660	6,001
1996-12-31 (YTD Data)		Rank
Total interest income	$2,386,000	8,843
Total interest expense	$1,027,000	8,925
Net interest income	$1,359,000	8,617
Provision for loan and lease losses	$39,000	7,052
Total noninterest income	$259,000	7,467
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$204,000	5,481
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	8,673
Total noninterest expense	$959,000	8,840
Salaries and employee benefits	$546,000	8,526
Premises and equipment expense	$103,000	9,206
Additional noninterest expense	$310,000	8,768
Pre-tax net operating income	$620,000	7,316
Securities gains (losses)	$0	4,148
Applicable income taxes	$213,000	6,931
Income before extraordinary items	$407,000	7,558
Extraordinary gains, net	$0	53
Net income	$407,000	7,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	6,017
Cash dividends	$150,000	5,964
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$407,000	7,506
1995-12-31 (YTD Data)		Rank
Total interest income	$1,965,000	9,771
Total interest expense	$832,000	9,847
Net interest income	$1,133,000	9,531
Provision for loan and lease losses	$35,000	6,883
Total noninterest income	$236,000	7,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	6,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	8,981
Total noninterest expense	$829,000	9,647
Salaries and employee benefits	$441,000	9,612
Premises and equipment expense	$80,000	10,197
Additional noninterest expense	$308,000	9,168
Pre-tax net operating income	$505,000	8,404
Securities gains (losses)	$-18,000	10,494
Applicable income taxes	$146,000	8,329
Income before extraordinary items	$341,000	8,560
Extraordinary gains, net	$0	65
Net income	$341,000	8,564
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,798
Cash dividends	$160,000	5,934
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$353,600	8,431
1994-12-31 (YTD Data)		Rank
Total interest income	$1,478,000	10,778
Total interest expense	$516,000	11,029
Net interest income	$962,000	10,510
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$218,000	8,425
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$200,000	5,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,564
Total noninterest expense	$676,000	10,806
Salaries and employee benefits	$342,000	10,830
Premises and equipment expense	$42,000	11,924
Additional noninterest expense	$292,000	10,052
Pre-tax net operating income	$484,000	8,770
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$156,000	8,187
Income before extraordinary items	$329,000	8,832
Extraordinary gains, net	$0	249
Net income	$329,000	8,835
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	11,034
Cash dividends	$140,000	6,251
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$328,320	8,898
1993-12-31 (YTD Data)		Rank
Total interest income	$1,387,000	11,477
Total interest expense	$511,000	11,635
Net interest income	$876,000	11,253
Provision for loan and lease losses	$60,000	6,949
Total noninterest income	$191,000	9,391
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	6,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$600,000	11,657
Salaries and employee benefits	$300,000	11,646
Premises and equipment expense	$32,000	12,790
Additional noninterest expense	$268,000	10,852
Pre-tax net operating income	$407,000	9,357
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$126,000	9,172
Income before extraordinary items	$282,000	9,667
Extraordinary gains, net	$0	3,149
Net income	$282,000	9,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	6,927
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$281,310	9,416
1992-12-31 (YTD Data)		Rank
Total interest income	$1,536,000	11,873
Total interest expense	$673,000	11,957
Net interest income	$863,000	11,659
Provision for loan and lease losses	$122,000	6,674
Total noninterest income	$162,000	10,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$582,000	12,168
Salaries and employee benefits	$288,000	12,154
Premises and equipment expense	$32,000	13,348
Additional noninterest expense	$262,000	11,387
Pre-tax net operating income	$321,000	9,937
Securities gains (losses)	$0	8,369
Applicable income taxes	$90,000	10,159
Income before extraordinary items	$231,000	10,166
Extraordinary gains, net	$0	1,422
Net income	$231,000	10,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	6,028
Cash dividends	$115,000	6,307
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$231,000	9,808

* 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.