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Cloverbank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,058,000	8,347
Total interest expense	$1,079,000	8,061
Net interest income	$979,000	8,525
Provision for loan and lease losses	$12,000	7,853
Total noninterest income	$270,000	6,568
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$270,000	4,145
Total noninterest expense	$1,451,000	6,872
Salaries and employee benefits	$723,000	7,086
Premises and equipment expense	$347,000	4,960
Additional noninterest expense	$381,000	7,300
Pre-tax net operating income	$-214,000	9,349
Securities gains (losses)	$0	1,956
Applicable income taxes	$-50,000	9,486
Income before extraordinary items	$-164,000	9,336
Extraordinary gains, net	$0	38
Net income	$-164,000	9,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-164,000	9,336
1999-12-31 (YTD Data)		Rank
Total interest income	$2,033,000	8,460
Total interest expense	$1,078,000	7,967
Net interest income	$955,000	8,728
Provision for loan and lease losses	$20,000	7,660
Total noninterest income	$14,000	10,015
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$14,000	9,524
Total noninterest expense	$1,794,000	6,096
Salaries and employee benefits	$897,000	6,324
Premises and equipment expense	$378,000	4,709
Additional noninterest expense	$519,000	6,370
Pre-tax net operating income	$-845,000	10,014
Securities gains (losses)	$0	3,155
Applicable income taxes	$-289,000	10,085
Income before extraordinary items	$-556,000	9,936
Extraordinary gains, net	$0	35
Net income	$-556,000	9,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-556,000	9,914
1998-12-31 (YTD Data)		Rank
Total interest income	$2,059,000	8,616
Total interest expense	$1,090,000	8,177
Net interest income	$969,000	8,864
Provision for loan and lease losses	$35,000	7,178
Total noninterest income	$117,000	8,744
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$117,000	6,262
Total noninterest expense	$1,217,000	7,498
Salaries and employee benefits	$617,000	7,662
Premises and equipment expense	$230,000	6,261
Additional noninterest expense	$370,000	7,474
Pre-tax net operating income	$-166,000	9,975
Securities gains (losses)	$0	4,449
Applicable income taxes	$-59,000	10,154
Income before extraordinary items	$-107,000	9,963
Extraordinary gains, net	$0	32
Net income	$-107,000	9,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,453
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-107,000	9,929
1997-12-31 (YTD Data)		Rank
Total interest income	$2,149,000	8,844
Total interest expense	$1,111,000	8,374
Net interest income	$1,038,000	9,094
Provision for loan and lease losses	$-14,000	10,627
Total noninterest income	$142,000	8,714
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$142,000	5,840
Total noninterest expense	$1,025,000	8,256
Salaries and employee benefits	$532,000	8,381
Premises and equipment expense	$137,000	8,082
Additional noninterest expense	$356,000	7,746
Pre-tax net operating income	$169,000	9,745
Securities gains (losses)	$0	3,944
Applicable income taxes	$55,000	9,178
Income before extraordinary items	$114,000	9,875
Extraordinary gains, net	$0	44
Net income	$114,000	9,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,017
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$114,000	9,836
1996-12-31 (YTD Data)		Rank
Total interest income	$1,932,000	9,468
Total interest expense	$909,000	9,299
Net interest income	$1,023,000	9,498
Provision for loan and lease losses	$3,000	8,923
Total noninterest income	$137,000	9,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$137,000	6,227
Total noninterest expense	$1,150,000	8,158
Salaries and employee benefits	$547,000	8,518
Premises and equipment expense	$116,000	8,889
Additional noninterest expense	$487,000	7,162
Pre-tax net operating income	$7,000	10,749
Securities gains (losses)	$0	4,148
Applicable income taxes	$6,000	10,431
Income before extraordinary items	$1,000	10,812
Extraordinary gains, net	$0	53
Net income	$1,000	10,807
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	10,612
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,000	10,763
1995-12-31 (YTD Data)		Rank
Total interest income	$1,862,000	9,950
Total interest expense	$847,000	9,803
Net interest income	$1,015,000	9,899
Provision for loan and lease losses	$-3,000	11,354
Total noninterest income	$138,000	9,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$138,000	6,215
Total noninterest expense	$976,000	9,052
Salaries and employee benefits	$538,000	8,796
Premises and equipment expense	$121,000	9,014
Additional noninterest expense	$317,000	9,073
Pre-tax net operating income	$180,000	10,584
Securities gains (losses)	$-2,000	9,253
Applicable income taxes	$53,000	10,132
Income before extraordinary items	$125,000	10,700
Extraordinary gains, net	$0	65
Net income	$125,000	10,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$126,400	10,665
1994-12-31 (YTD Data)		Rank
Total interest income	$1,846,000	10,082
Total interest expense	$689,000	10,162
Net interest income	$1,157,000	9,881
Provision for loan and lease losses	$13,000	8,228
Total noninterest income	$161,000	9,489
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$161,000	5,988
Total noninterest expense	$958,000	9,516
Salaries and employee benefits	$494,000	9,442
Premises and equipment expense	$127,000	9,189
Additional noninterest expense	$337,000	9,510
Pre-tax net operating income	$347,000	9,758
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$112,000	9,094
Income before extraordinary items	$233,000	9,885
Extraordinary gains, net	$0	249
Net income	$233,000	9,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,828
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$234,360	9,943
1993-12-31 (YTD Data)		Rank
Total interest income	$2,040,000	10,096
Total interest expense	$807,000	10,018
Net interest income	$1,233,000	9,960
Provision for loan and lease losses	$76,000	6,424
Total noninterest income	$252,000	8,332
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$252,000	4,987
Total noninterest expense	$927,000	10,072
Salaries and employee benefits	$450,000	10,148
Premises and equipment expense	$139,000	9,201
Additional noninterest expense	$338,000	9,982
Pre-tax net operating income	$482,000	8,771
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$158,000	8,455
Income before extraordinary items	$325,000	9,182
Extraordinary gains, net	$0	3,149
Net income	$325,000	9,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	3,696
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$324,330	8,938
1992-12-31 (YTD Data)		Rank
Total interest income	$2,297,000	10,298
Total interest expense	$1,194,000	9,627
Net interest income	$1,103,000	10,687
Provision for loan and lease losses	$212,000	5,074
Total noninterest income	$212,000	9,182
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$212,000	5,472
Total noninterest expense	$1,050,000	9,746
Salaries and employee benefits	$426,000	10,562
Premises and equipment expense	$141,000	9,376
Additional noninterest expense	$483,000	8,623
Pre-tax net operating income	$53,000	12,397
Securities gains (losses)	$0	8,369
Applicable income taxes	$49,000	11,284
Income before extraordinary items	$4,000	12,872
Extraordinary gains, net	$0	1,422
Net income	$4,000	12,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	5,812
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$4,000	12,637

* 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.