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Century Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$12,112,000	2,687
Total interest expense	$4,641,000	3,210
Net interest income	$7,471,000	2,287
Provision for loan and lease losses	$-166,000	10,364
Total noninterest income	$5,883,000	829
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$523,000	2,455
Trading account gains and fees	$0	224
Additional Noninterest Income	$5,360,000	612
Total noninterest expense	$10,811,000	1,223
Salaries and employee benefits	$5,805,000	1,124
Premises and equipment expense	$2,011,000	961
Additional noninterest expense	$2,995,000	1,454
Pre-tax net operating income	$2,709,000	2,601
Securities gains (losses)	$59,000	1,620
Applicable income taxes	$1,142,000	2,075
Income before extraordinary items	$1,626,000	3,043
Extraordinary gains, net	$0	32
Net income	$1,626,000	3,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-52,000	10,110
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,588,240	3,018
1997-12-31 (YTD Data)		Rank
Total interest income	$13,280,000	2,471
Total interest expense	$5,109,000	2,922
Net interest income	$8,171,000	2,130
Provision for loan and lease losses	$-119,000	10,787
Total noninterest income	$5,416,000	877
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$604,000	2,172
Trading account gains and fees	$0	239
Additional Noninterest Income	$4,812,000	631
Total noninterest expense	$10,848,000	1,222
Salaries and employee benefits	$5,773,000	1,135
Premises and equipment expense	$2,085,000	957
Additional noninterest expense	$2,990,000	1,445
Pre-tax net operating income	$2,858,000	2,590
Securities gains (losses)	$117,000	922
Applicable income taxes	$1,221,000	2,048
Income before extraordinary items	$1,754,000	2,900
Extraordinary gains, net	$0	44
Net income	$1,754,000	2,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	3,170
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,679,120	2,964
1996-12-31 (YTD Data)		Rank
Total interest income	$13,752,000	2,430
Total interest expense	$5,248,000	2,880
Net interest income	$8,504,000	2,105
Provision for loan and lease losses	$-220,000	11,346
Total noninterest income	$3,843,000	1,147
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$565,000	2,410
Trading account gains and fees	$0	262
Additional Noninterest Income	$3,278,000	832
Total noninterest expense	$11,853,000	1,217
Salaries and employee benefits	$5,717,000	1,175
Premises and equipment expense	$2,293,000	940
Additional noninterest expense	$3,843,000	1,393
Pre-tax net operating income	$714,000	6,868
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$3,000	10,490
Income before extraordinary items	$713,000	5,708
Extraordinary gains, net	$0	53
Net income	$713,000	5,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-93,000	11,203
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$711,000	5,658
1995-12-31 (YTD Data)		Rank
Total interest income	$13,881,000	2,412
Total interest expense	$5,165,000	2,950
Net interest income	$8,716,000	2,059
Provision for loan and lease losses	$355,000	2,047
Total noninterest income	$5,049,000	956
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$651,000	2,087
Trading account gains and fees	$950,000	135
Additional Noninterest Income	$3,448,000	827
Total noninterest expense	$13,363,000	1,117
Salaries and employee benefits	$5,737,000	1,168
Premises and equipment expense	$2,465,000	885
Additional noninterest expense	$5,161,000	1,094
Pre-tax net operating income	$47,000	11,317
Securities gains (losses)	$317,000	491
Applicable income taxes	$4,000	11,033
Income before extraordinary items	$360,000	8,390
Extraordinary gains, net	$0	65
Net income	$360,000	8,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$780,000	1,047
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$46,170	11,269
1994-12-31 (YTD Data)		Rank
Total interest income	$11,282,000	2,695
Total interest expense	$4,158,000	2,936
Net interest income	$7,124,000	2,536
Provision for loan and lease losses	$1,374,000	757
Total noninterest income	$3,661,000	1,159
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$847,000	1,598
Trading account gains and fees	$1,148,000	112
Additional Noninterest Income	$1,666,000	1,283
Total noninterest expense	$16,126,000	958
Salaries and employee benefits	$6,322,000	1,066
Premises and equipment expense	$2,698,000	821
Additional noninterest expense	$7,106,000	899
Pre-tax net operating income	$-6,715,000	12,587
Securities gains (losses)	$-743,000	12,337
Applicable income taxes	$0	11,630
Income before extraordinary items	$-7,458,000	12,559
Extraordinary gains, net	$0	249
Net income	$-7,458,000	12,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,365,000	500
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$15,000,000	79
Net operating income	$-6,715,000	12,560
1993-12-31 (YTD Data)		Rank
Total interest income	$10,819,000	2,864
Total interest expense	$4,205,000	3,016
Net interest income	$6,615,000	2,730
Provision for loan and lease losses	$2,414,000	710
Total noninterest income	$9,662,000	624
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,094,000	1,230
Trading account gains and fees	$485,000	167
Additional Noninterest Income	$8,083,000	488
Total noninterest expense	$15,119,000	1,050
Salaries and employee benefits	$6,379,000	1,082
Premises and equipment expense	$2,571,000	874
Additional noninterest expense	$6,169,000	1,071
Pre-tax net operating income	$-1,256,000	13,013
Securities gains (losses)	$546,000	844
Applicable income taxes	$0	12,141
Income before extraordinary items	$-710,000	12,947
Extraordinary gains, net	$0	3,149
Net income	$-710,000	12,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,557,000	382
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-1,256,000	12,994
1992-12-31 (YTD Data)		Rank
Total interest income	$10,040,000	3,472
Total interest expense	$4,339,000	3,782
Net interest income	$5,701,000	3,213
Provision for loan and lease losses	$6,759,000	488
Total noninterest income	$3,278,000	1,327
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$835,000	1,632
Trading account gains and fees	$21,000	372
Additional Noninterest Income	$2,422,000	1,101
Total noninterest expense	$13,115,000	1,214
Salaries and employee benefits	$5,683,000	1,177
Premises and equipment expense	$2,336,000	979
Additional noninterest expense	$5,096,000	1,298
Pre-tax net operating income	$-10,895,000	13,880
Securities gains (losses)	$170,000	2,252
Applicable income taxes	$35,000	11,656
Income before extraordinary items	$-10,760,000	13,863
Extraordinary gains, net	$0	1,422
Net income	$-10,760,000	13,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,208,000	521
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-10,930,000	13,846

* 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.