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Cement Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$790,000	10,031
Total interest expense	$384,000	9,921
Net interest income	$406,000	10,076
Provision for loan and lease losses	$512,000	1,688
Total noninterest income	$107,000	8,900
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,483
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	8,765
Total noninterest expense	$581,000	9,505
Salaries and employee benefits	$195,000	10,130
Premises and equipment expense	$25,000	10,253
Additional noninterest expense	$361,000	7,560
Pre-tax net operating income	$-580,000	10,223
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-580,000	10,263
Extraordinary gains, net	$0	32
Net income	$-580,000	10,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$386,000	1,545
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$585,000	540
Net operating income	$-580,000	10,237
1997-12-31 (YTD Data)		Rank
Total interest income	$887,000	10,396
Total interest expense	$387,000	10,357
Net interest income	$500,000	10,372
Provision for loan and lease losses	$28,000	7,514
Total noninterest income	$127,000	8,945
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$94,000	7,332
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	9,193
Total noninterest expense	$477,000	10,207
Salaries and employee benefits	$220,000	10,440
Premises and equipment expense	$29,000	10,632
Additional noninterest expense	$228,000	9,090
Pre-tax net operating income	$122,000	9,982
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$41,000	9,392
Income before extraordinary items	$85,000	10,048
Extraordinary gains, net	$0	44
Net income	$85,000	10,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$68,000	6,947
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$82,320	10,029
1996-12-31 (YTD Data)		Rank
Total interest income	$845,000	10,984
Total interest expense	$378,000	10,922
Net interest income	$467,000	10,953
Provision for loan and lease losses	$45,000	6,812
Total noninterest income	$98,000	9,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	7,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,823
Total noninterest expense	$413,000	10,927
Salaries and employee benefits	$208,000	10,970
Premises and equipment expense	$32,000	11,103
Additional noninterest expense	$173,000	10,254
Pre-tax net operating income	$107,000	10,332
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$32,000	9,997
Income before extraordinary items	$78,000	10,401
Extraordinary gains, net	$0	53
Net income	$78,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,149
Cash dividends	$84,000	6,985
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$75,870	10,372
1995-12-31 (YTD Data)		Rank
Total interest income	$731,000	11,597
Total interest expense	$354,000	11,468
Net interest income	$377,000	11,650
Provision for loan and lease losses	$-3,000	11,354
Total noninterest income	$110,000	10,066
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	7,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$372,000	11,527
Salaries and employee benefits	$183,000	11,579
Premises and equipment expense	$33,000	11,548
Additional noninterest expense	$156,000	10,983
Pre-tax net operating income	$118,000	10,991
Securities gains (losses)	$-3,000	9,402
Applicable income taxes	$24,000	10,696
Income before extraordinary items	$91,000	11,004
Extraordinary gains, net	$0	65
Net income	$91,000	11,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$57,000	7,648
Sale, conversion, retirement of capital stock, net	$75,000	603
Net operating income	$93,370	10,969
1994-12-31 (YTD Data)		Rank
Total interest income	$596,000	12,319
Total interest expense	$218,000	12,295
Net interest income	$378,000	12,271
Provision for loan and lease losses	$0	9,146
Total noninterest income	$105,000	10,619
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,467
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,564
Total noninterest expense	$362,000	12,175
Salaries and employee benefits	$181,000	12,193
Premises and equipment expense	$31,000	12,206
Additional noninterest expense	$150,000	11,795
Pre-tax net operating income	$121,000	11,487
Securities gains (losses)	$-19,000	10,292
Applicable income taxes	$15,000	11,265
Income before extraordinary items	$87,000	11,503
Extraordinary gains, net	$0	249
Net income	$87,000	11,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,944
Cash dividends	$35,000	8,283
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$103,150	11,396
1993-12-31 (YTD Data)		Rank
Total interest income	$572,000	12,974
Total interest expense	$206,000	12,976
Net interest income	$366,000	12,880
Provision for loan and lease losses	$-23,000	12,601
Total noninterest income	$100,000	11,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$402,000	12,634
Salaries and employee benefits	$178,000	12,799
Premises and equipment expense	$16,000	13,144
Additional noninterest expense	$208,000	11,617
Pre-tax net operating income	$85,000	11,962
Securities gains (losses)	$0	7,477
Applicable income taxes	$7,000	11,895
Income before extraordinary items	$78,000	12,030
Extraordinary gains, net	$0	3,149
Net income	$78,000	12,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-30,000	12,362
Cash dividends	$36,000	8,312
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$78,000	11,849
1992-12-31 (YTD Data)		Rank
Total interest income	$617,000	13,588
Total interest expense	$265,000	13,569
Net interest income	$352,000	13,502
Provision for loan and lease losses	$18,000	10,694
Total noninterest income	$104,000	11,616
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	9,060
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$410,000	13,118
Salaries and employee benefits	$143,000	13,600
Premises and equipment expense	$19,000	13,693
Additional noninterest expense	$248,000	11,558
Pre-tax net operating income	$28,000	12,552
Securities gains (losses)	$0	8,369
Applicable income taxes	$4,000	12,540
Income before extraordinary items	$24,000	12,750
Extraordinary gains, net	$0	1,422
Net income	$24,000	12,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	7,638
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$24,000	12,515

* 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.