City Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 8,866 |
| Total interest expense | $1,046,000 | 8,566 |
| Net interest income | $1,073,000 | 9,009 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $236,000 | 7,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,438 |
| Total noninterest expense | $799,000 | 9,036 |
| Salaries and employee benefits | $418,000 | 9,145 |
| Premises and equipment expense | $125,000 | 8,362 |
| Additional noninterest expense | $256,000 | 8,776 |
| Pre-tax net operating income | $492,000 | 7,964 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $191,000 | 7,004 |
| Income before extraordinary items | $301,000 | 8,366 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $301,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $301,000 | 8,321 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 7,058 |
| Total interest expense | $1,877,000 | 6,663 |
| Net interest income | $1,919,000 | 7,315 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $350,000 | 6,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,642 |
| Total noninterest expense | $1,410,000 | 7,364 |
| Salaries and employee benefits | $834,000 | 6,805 |
| Premises and equipment expense | $122,000 | 8,752 |
| Additional noninterest expense | $454,000 | 7,439 |
| Pre-tax net operating income | $859,000 | 6,254 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $283,000 | 6,032 |
| Income before extraordinary items | $577,000 | 6,413 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $577,000 | 6,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $576,330 | 6,349 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,743,000 | 7,261 |
| Total interest expense | $1,871,000 | 6,738 |
| Net interest income | $1,872,000 | 7,599 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $308,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,382 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $1,407,000 | 7,561 |
| Salaries and employee benefits | $838,000 | 6,903 |
| Premises and equipment expense | $119,000 | 9,075 |
| Additional noninterest expense | $450,000 | 7,705 |
| Pre-tax net operating income | $773,000 | 6,950 |
| Securities gains (losses) | $-31,000 | 10,864 |
| Applicable income taxes | $240,000 | 6,788 |
| Income before extraordinary items | $502,000 | 7,237 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $502,000 | 7,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $523,080 | 7,058 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,369,000 | 7,527 |
| Total interest expense | $1,446,000 | 7,063 |
| Net interest income | $1,923,000 | 7,745 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $325,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $1,503,000 | 7,585 |
| Salaries and employee benefits | $830,000 | 7,047 |
| Premises and equipment expense | $121,000 | 9,362 |
| Additional noninterest expense | $552,000 | 7,407 |
| Pre-tax net operating income | $745,000 | 7,161 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $235,000 | 6,753 |
| Income before extraordinary items | $516,000 | 7,182 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $516,000 | 7,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,447 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $511,860 | 7,255 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,509,000 | 7,524 |
| Total interest expense | $1,465,000 | 7,324 |
| Net interest income | $2,044,000 | 7,544 |
| Provision for loan and lease losses | $49,000 | 7,550 |
| Total noninterest income | $272,000 | 8,037 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,182 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $1,536,000 | 7,708 |
| Salaries and employee benefits | $836,000 | 7,097 |
| Premises and equipment expense | $125,000 | 9,643 |
| Additional noninterest expense | $575,000 | 7,558 |
| Pre-tax net operating income | $731,000 | 7,200 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $227,000 | 7,149 |
| Income before extraordinary items | $526,000 | 7,340 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $526,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 6,769 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $510,600 | 7,218 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 7,980 |
| Total interest expense | $1,795,000 | 7,627 |
| Net interest income | $1,852,000 | 8,190 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $246,000 | 8,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $1,465,000 | 8,045 |
| Salaries and employee benefits | $811,000 | 7,197 |
| Premises and equipment expense | $140,000 | 9,399 |
| Additional noninterest expense | $514,000 | 8,322 |
| Pre-tax net operating income | $597,000 | 7,733 |
| Securities gains (losses) | $71,000 | 3,566 |
| Applicable income taxes | $297,000 | 5,965 |
| Income before extraordinary items | $371,000 | 8,498 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $371,000 | 8,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $325,560 | 8,632 |
* 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.