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City Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,701,000	8,425
Total interest expense	$1,322,000	8,043
Net interest income	$1,379,000	8,570
Provision for loan and lease losses	$24,000	7,740
Total noninterest income	$166,000	8,763
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	8,577
Total noninterest expense	$1,454,000	7,242
Salaries and employee benefits	$515,000	8,754
Premises and equipment expense	$210,000	6,860
Additional noninterest expense	$729,000	5,576
Pre-tax net operating income	$67,000	10,523
Securities gains (losses)	$0	4,148
Applicable income taxes	$13,000	10,323
Income before extraordinary items	$54,000	10,556
Extraordinary gains, net	$0	53
Net income	$54,000	10,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	7,019
Cash dividends	$80,000	7,029
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$54,000	10,505
1995-12-31 (YTD Data)		Rank
Total interest income	$2,578,000	8,847
Total interest expense	$1,312,000	8,244
Net interest income	$1,266,000	9,170
Provision for loan and lease losses	$15,000	7,935
Total noninterest income	$162,000	9,105
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$94,000	7,930
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	8,433
Total noninterest expense	$1,171,000	8,310
Salaries and employee benefits	$478,000	9,299
Premises and equipment expense	$219,000	6,844
Additional noninterest expense	$474,000	7,482
Pre-tax net operating income	$242,000	10,175
Securities gains (losses)	$0	3,831
Applicable income taxes	$80,000	9,585
Income before extraordinary items	$162,000	10,346
Extraordinary gains, net	$0	65
Net income	$162,000	10,349
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,295
Cash dividends	$80,000	7,161
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$162,000	10,325
1994-12-31 (YTD Data)		Rank
Total interest income	$2,369,000	9,135
Total interest expense	$1,043,000	8,510
Net interest income	$1,326,000	9,381
Provision for loan and lease losses	$2,000	9,032
Total noninterest income	$135,000	10,017
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	8,589
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,512
Total noninterest expense	$1,115,000	8,923
Salaries and employee benefits	$441,000	9,905
Premises and equipment expense	$177,000	7,923
Additional noninterest expense	$497,000	7,873
Pre-tax net operating income	$344,000	9,775
Securities gains (losses)	$0	3,600
Applicable income taxes	$120,000	8,923
Income before extraordinary items	$224,000	9,989
Extraordinary gains, net	$0	249
Net income	$224,000	10,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$239,000	5,084
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$224,000	10,049
1993-12-31 (YTD Data)		Rank
Total interest income	$2,422,000	9,352
Total interest expense	$981,000	9,200
Net interest income	$1,441,000	9,301
Provision for loan and lease losses	$16,000	9,322
Total noninterest income	$189,000	9,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$189,000	5,846
Total noninterest expense	$1,233,000	8,761
Salaries and employee benefits	$464,000	9,995
Premises and equipment expense	$297,000	5,898
Additional noninterest expense	$472,000	8,499
Pre-tax net operating income	$381,000	9,569
Securities gains (losses)	$0	7,477
Applicable income taxes	$139,000	8,881
Income before extraordinary items	$242,000	10,138
Extraordinary gains, net	$0	3,149
Net income	$242,000	10,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$54,000	7,865
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$242,000	9,883
1992-12-31 (YTD Data)		Rank
Total interest income	$2,645,000	9,639
Total interest expense	$1,368,000	8,971
Net interest income	$1,277,000	10,037
Provision for loan and lease losses	$26,000	10,195
Total noninterest income	$180,000	9,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$180,000	6,025
Total noninterest expense	$1,073,000	9,652
Salaries and employee benefits	$444,000	10,363
Premises and equipment expense	$199,000	7,855
Additional noninterest expense	$430,000	9,206
Pre-tax net operating income	$358,000	9,606
Securities gains (losses)	$0	8,369
Applicable income taxes	$133,000	9,043
Income before extraordinary items	$225,000	10,252
Extraordinary gains, net	$0	1,422
Net income	$225,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$54,000	7,596
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$225,000	9,896

* 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.