Collin County National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$979,000	10,853
Total interest expense	$573,000	10,364
Net interest income	$406,000	11,076
Provision for loan and lease losses	$45,000	6,812
Total noninterest income	$65,000	10,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	11,282
Total noninterest expense	$640,000	10,030
Salaries and employee benefits	$270,000	10,578
Premises and equipment expense	$82,000	9,755
Additional noninterest expense	$288,000	9,005
Pre-tax net operating income	$-214,000	11,081
Securities gains (losses)	$0	4,148
Applicable income taxes	$-72,000	11,133
Income before extraordinary items	$-142,000	11,049
Extraordinary gains, net	$0	53
Net income	$-142,000	11,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,429
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$3,000,000	228
Net operating income	$-142,000	11,009

* 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.