C&L Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,894,000 | 3,567 |
| Total interest expense | $4,348,000 | 3,345 |
| Net interest income | $4,546,000 | 3,750 |
| Provision for loan and lease losses | $-781,000 | 10,191 |
| Total noninterest income | $818,000 | 3,565 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $712,000 | 1,865 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $106,000 | 6,493 |
| Total noninterest expense | $3,177,000 | 4,022 |
| Salaries and employee benefits | $1,460,000 | 4,432 |
| Premises and equipment expense | $652,000 | 3,055 |
| Additional noninterest expense | $1,065,000 | 3,810 |
| Pre-tax net operating income | $2,968,000 | 2,434 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,077,000 | 2,098 |
| Income before extraordinary items | $1,891,000 | 2,703 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,891,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,314 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,891,000 | 2,672 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,098,000 | 6,400 |
| Total interest expense | $1,948,000 | 6,271 |
| Net interest income | $2,150,000 | 6,390 |
| Provision for loan and lease losses | $440,000 | 1,913 |
| Total noninterest income | $503,000 | 4,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,662 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $1,297,000 | 7,255 |
| Salaries and employee benefits | $647,000 | 7,486 |
| Premises and equipment expense | $246,000 | 6,015 |
| Additional noninterest expense | $404,000 | 7,188 |
| Pre-tax net operating income | $916,000 | 5,683 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $322,000 | 4,980 |
| Income before extraordinary items | $594,000 | 6,081 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $594,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $594,000 | 5,977 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 7,050 |
| Total interest expense | $1,579,000 | 7,156 |
| Net interest income | $2,031,000 | 6,852 |
| Provision for loan and lease losses | $113,000 | 4,920 |
| Total noninterest income | $375,000 | 5,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $1,211,000 | 7,634 |
| Salaries and employee benefits | $581,000 | 8,047 |
| Premises and equipment expense | $241,000 | 6,194 |
| Additional noninterest expense | $389,000 | 7,450 |
| Pre-tax net operating income | $1,082,000 | 5,596 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $373,000 | 5,108 |
| Income before extraordinary items | $712,000 | 5,844 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $712,000 | 5,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $710,020 | 5,810 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 7,834 |
| Total interest expense | $1,353,000 | 7,948 |
| Net interest income | $1,780,000 | 7,598 |
| Provision for loan and lease losses | $78,000 | 5,659 |
| Total noninterest income | $333,000 | 6,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,143 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $1,130,000 | 8,229 |
| Salaries and employee benefits | $525,000 | 8,673 |
| Premises and equipment expense | $230,000 | 6,529 |
| Additional noninterest expense | $375,000 | 8,108 |
| Pre-tax net operating income | $905,000 | 6,073 |
| Securities gains (losses) | $22,000 | 1,932 |
| Applicable income taxes | $316,000 | 5,656 |
| Income before extraordinary items | $611,000 | 6,208 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $611,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $85,000 | 6,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $596,480 | 6,230 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 8,628 |
| Total interest expense | $1,094,000 | 8,921 |
| Net interest income | $1,611,000 | 8,230 |
| Provision for loan and lease losses | $73,000 | 5,323 |
| Total noninterest income | $322,000 | 6,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,367 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $1,089,000 | 8,618 |
| Salaries and employee benefits | $490,000 | 9,199 |
| Premises and equipment expense | $199,000 | 7,213 |
| Additional noninterest expense | $400,000 | 8,198 |
| Pre-tax net operating income | $771,000 | 6,960 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $246,000 | 6,705 |
| Income before extraordinary items | $526,000 | 7,054 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $526,000 | 7,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $112,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $525,320 | 7,042 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 9,432 |
| Total interest expense | $850,000 | 9,346 |
| Net interest income | $1,348,000 | 9,318 |
| Provision for loan and lease losses | $42,000 | 6,508 |
| Total noninterest income | $273,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,176 |
| Total noninterest expense | $1,066,000 | 9,099 |
| Salaries and employee benefits | $452,000 | 9,814 |
| Premises and equipment expense | $196,000 | 7,517 |
| Additional noninterest expense | $418,000 | 8,640 |
| Pre-tax net operating income | $513,000 | 8,569 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $133,000 | 8,646 |
| Income before extraordinary items | $380,000 | 8,358 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $380,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,795 |
| Cash dividends | $98,000 | 7,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $380,000 | 8,406 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 10,234 |
| Total interest expense | $848,000 | 9,797 |
| Net interest income | $1,128,000 | 10,301 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $283,000 | 7,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $987,000 | 9,795 |
| Salaries and employee benefits | $421,000 | 10,435 |
| Premises and equipment expense | $193,000 | 7,830 |
| Additional noninterest expense | $373,000 | 9,561 |
| Pre-tax net operating income | $358,000 | 9,746 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $89,000 | 10,008 |
| Income before extraordinary items | $279,000 | 9,703 |
| Extraordinary gains, net | $68,000 | 1,931 |
| Net income | $347,000 | 9,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $82,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $271,400 | 9,548 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 10,578 |
| Total interest expense | $961,000 | 10,577 |
| Net interest income | $1,194,000 | 10,347 |
| Provision for loan and lease losses | $190,000 | 5,357 |
| Total noninterest income | $248,000 | 8,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $941,000 | 10,253 |
| Salaries and employee benefits | $361,000 | 11,327 |
| Premises and equipment expense | $116,000 | 10,180 |
| Additional noninterest expense | $464,000 | 8,819 |
| Pre-tax net operating income | $311,000 | 10,029 |
| Securities gains (losses) | $-42,000 | 13,645 |
| Applicable income taxes | $72,000 | 10,657 |
| Income before extraordinary items | $197,000 | 10,636 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $197,000 | 10,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 6,313 |
| Cash dividends | $85,000 | 6,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $227,660 | 9,865 |
* 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.