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Charter State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,926,000	6,940
Total interest expense	$2,215,000	6,020
Net interest income	$1,711,000	7,749
Provision for loan and lease losses	$37,000	7,110
Total noninterest income	$2,238,000	1,679
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,117,000	1,111
Total noninterest expense	$3,158,000	4,132
Salaries and employee benefits	$1,748,000	3,766
Premises and equipment expense	$314,000	5,403
Additional noninterest expense	$1,096,000	4,070
Pre-tax net operating income	$754,000	6,681
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$138,000	8,066
Income before extraordinary items	$619,000	6,162
Extraordinary gains, net	$0	53
Net income	$619,000	6,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,733
Cash dividends	$170,000	5,771
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$616,540	6,111
1995-12-31 (YTD Data)		Rank
Total interest income	$3,233,000	7,886
Total interest expense	$1,789,000	6,928
Net interest income	$1,444,000	8,689
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$1,912,000	1,914
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,800,000	1,207
Total noninterest expense	$2,936,000	4,376
Salaries and employee benefits	$1,654,000	3,925
Premises and equipment expense	$309,000	5,504
Additional noninterest expense	$973,000	4,458
Pre-tax net operating income	$408,000	9,017
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$28,000	10,615
Income before extraordinary items	$375,000	8,270
Extraordinary gains, net	$0	65
Net income	$375,000	8,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,497
Cash dividends	$170,000	5,838
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$379,650	8,229
1994-12-31 (YTD Data)		Rank
Total interest income	$2,860,000	8,301
Total interest expense	$1,179,000	7,994
Net interest income	$1,681,000	8,354
Provision for loan and lease losses	$0	9,146
Total noninterest income	$2,103,000	1,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,984,000	1,137
Total noninterest expense	$3,219,000	4,154
Salaries and employee benefits	$1,739,000	3,746
Premises and equipment expense	$312,000	5,537
Additional noninterest expense	$1,168,000	4,152
Pre-tax net operating income	$565,000	8,212
Securities gains (losses)	$0	3,600
Applicable income taxes	$126,000	8,792
Income before extraordinary items	$439,000	7,817
Extraordinary gains, net	$0	249
Net income	$439,000	7,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$170,000	5,823
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$439,000	7,869
1993-12-31 (YTD Data)		Rank
Total interest income	$2,934,000	8,446
Total interest expense	$1,076,000	8,777
Net interest income	$1,858,000	8,081
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$2,787,000	1,547
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	7,832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,667,000	1,045
Total noninterest expense	$3,579,000	3,838
Salaries and employee benefits	$2,061,000	3,189
Premises and equipment expense	$298,000	5,887
Additional noninterest expense	$1,220,000	4,138
Pre-tax net operating income	$1,046,000	5,717
Securities gains (losses)	$7,000	5,826
Applicable income taxes	$363,000	5,359
Income before extraordinary items	$690,000	6,181
Extraordinary gains, net	$157,000	1,191
Net income	$847,000	5,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	8,808
Cash dividends	$370,000	3,860
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$685,380	5,948
1992-12-31 (YTD Data)		Rank
Total interest income	$3,671,000	7,950
Total interest expense	$1,247,000	9,430
Net interest income	$2,424,000	6,737
Provision for loan and lease losses	$0	11,756
Total noninterest income	$1,909,000	2,000
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$125,000	7,823
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,784,000	1,344
Total noninterest expense	$3,177,000	4,287
Salaries and employee benefits	$1,695,000	3,782
Premises and equipment expense	$266,000	6,505
Additional noninterest expense	$1,216,000	4,296
Pre-tax net operating income	$1,156,000	5,074
Securities gains (losses)	$10,000	6,439
Applicable income taxes	$379,000	5,000
Income before extraordinary items	$787,000	5,431
Extraordinary gains, net	$0	1,422
Net income	$787,000	5,493
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$355,000	3,609
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$780,300	5,145

* 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.