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Columbian Bank, A Federal Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,102,000	8,304
Total interest expense	$1,303,000	7,576
Net interest income	$799,000	8,903
Provision for loan and lease losses	$0	8,337
Total noninterest income	$67,000	9,076
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$67,000	7,272
Total noninterest expense	$738,000	8,732
Salaries and employee benefits	$426,000	8,621
Premises and equipment expense	$138,000	7,777
Additional noninterest expense	$174,000	9,028
Pre-tax net operating income	$128,000	8,703
Securities gains (losses)	$0	1,956
Applicable income taxes	$50,000	7,236
Income before extraordinary items	$78,000	8,842
Extraordinary gains, net	$0	38
Net income	$78,000	8,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$125,000	5,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$78,000	8,828
1999-12-31 (YTD Data)		Rank
Total interest income	$2,042,000	8,446
Total interest expense	$1,196,000	7,655
Net interest income	$846,000	8,967
Provision for loan and lease losses	$0	8,503
Total noninterest income	$37,000	9,769
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$37,000	8,550
Total noninterest expense	$573,000	9,405
Salaries and employee benefits	$336,000	9,278
Premises and equipment expense	$78,000	9,059
Additional noninterest expense	$159,000	9,438
Pre-tax net operating income	$310,000	8,038
Securities gains (losses)	$0	3,155
Applicable income taxes	$119,000	6,664
Income before extraordinary items	$191,000	8,376
Extraordinary gains, net	$0	35
Net income	$191,000	8,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$175,000	5,438
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$191,000	8,340
1998-12-31 (YTD Data)		Rank
Total interest income	$2,189,000	8,455
Total interest expense	$1,468,000	7,262
Net interest income	$721,000	9,447
Provision for loan and lease losses	$0	8,652
Total noninterest income	$79,000	9,372
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$79,000	7,213
Total noninterest expense	$605,000	9,411
Salaries and employee benefits	$322,000	9,488
Premises and equipment expense	$73,000	9,302
Additional noninterest expense	$210,000	9,017
Pre-tax net operating income	$195,000	8,927
Securities gains (losses)	$0	4,449
Applicable income taxes	$108,000	7,408
Income before extraordinary items	$87,000	9,424
Extraordinary gains, net	$0	32
Net income	$87,000	9,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$23,000	7,230
Sale, conversion, retirement of capital stock, net	$39,000	884
Net operating income	$87,000	9,360
1997-12-31 (YTD Data)		Rank
Total interest income	$2,330,000	8,601
Total interest expense	$1,546,000	7,239
Net interest income	$784,000	9,711
Provision for loan and lease losses	$0	8,829
Total noninterest income	$100,000	9,419
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$100,000	6,788
Total noninterest expense	$621,000	9,673
Salaries and employee benefits	$293,000	10,003
Premises and equipment expense	$92,000	9,159
Additional noninterest expense	$236,000	9,008
Pre-tax net operating income	$263,000	9,221
Securities gains (losses)	$0	3,944
Applicable income taxes	$112,000	8,208
Income before extraordinary items	$151,000	9,573
Extraordinary gains, net	$0	44
Net income	$151,000	9,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$21,000	7,591
Sale, conversion, retirement of capital stock, net	$9,000	977
Net operating income	$151,000	9,533
1996-12-31 (YTD Data)		Rank
Total interest income	$2,386,000	8,843
Total interest expense	$1,632,000	7,250
Net interest income	$754,000	10,241
Provision for loan and lease losses	$91,000	5,319
Total noninterest income	$71,000	10,459
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$71,000	8,053
Total noninterest expense	$785,000	9,483
Salaries and employee benefits	$261,000	10,647
Premises and equipment expense	$88,000	9,600
Additional noninterest expense	$436,000	7,582
Pre-tax net operating income	$-51,000	10,898
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$6,000	10,431
Income before extraordinary items	$-51,000	10,929
Extraordinary gains, net	$0	53
Net income	$-51,000	10,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$14,000	8,151
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-57,000	10,895
1995-12-31 (YTD Data)		Rank
Total interest income	$2,328,000	9,215
Total interest expense	$1,580,000	7,477
Net interest income	$748,000	10,691
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$41,000	11,499
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$41,000	9,663
Total noninterest expense	$768,000	9,915
Salaries and employee benefits	$250,000	11,149
Premises and equipment expense	$111,000	9,279
Additional noninterest expense	$407,000	8,122
Pre-tax net operating income	$11,000	11,433
Securities gains (losses)	$0	3,831
Applicable income taxes	$4,000	11,033
Income before extraordinary items	$7,000	11,472
Extraordinary gains, net	$0	65
Net income	$7,000	11,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$42,000	7,940
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$7,000	11,439
1994-12-31 (YTD Data)		Rank
Total interest income	$2,059,000	9,688
Total interest expense	$1,305,000	7,535
Net interest income	$754,000	11,208
Provision for loan and lease losses	$0	9,146
Total noninterest income	$84,000	11,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$84,000	8,071
Total noninterest expense	$566,000	11,283
Salaries and employee benefits	$266,000	11,513
Premises and equipment expense	$129,000	9,118
Additional noninterest expense	$171,000	11,508
Pre-tax net operating income	$272,000	10,327
Securities gains (losses)	$0	3,600
Applicable income taxes	$104,000	9,268
Income before extraordinary items	$168,000	10,628
Extraordinary gains, net	$0	249
Net income	$168,000	10,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$21,000	8,560
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$168,000	10,669
1993-12-31 (YTD Data)		Rank
Total interest income	$2,135,000	9,919
Total interest expense	$1,223,000	8,169
Net interest income	$912,000	11,121
Provision for loan and lease losses	$42,000	7,871
Total noninterest income	$40,000	12,773
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$40,000	10,664
Total noninterest expense	$560,000	11,852
Salaries and employee benefits	$276,000	11,915
Premises and equipment expense	$148,000	8,964
Additional noninterest expense	$136,000	12,583
Pre-tax net operating income	$350,000	9,805
Securities gains (losses)	$0	7,477
Applicable income taxes	$129,000	9,109
Income before extraordinary items	$221,000	10,396
Extraordinary gains, net	$0	3,149
Net income	$221,000	10,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$14,000	8,821
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$221,000	10,159
1992-12-31 (YTD Data)		Rank
Total interest income	$2,120,000	10,657
Total interest expense	$1,351,000	9,020
Net interest income	$769,000	12,033
Provision for loan and lease losses	$30,000	9,956
Total noninterest income	$28,000	13,572
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$497,000	12,648
Salaries and employee benefits	$236,000	12,758
Premises and equipment expense	$136,000	9,504
Additional noninterest expense	$125,000	13,276
Pre-tax net operating income	$270,000	10,424
Securities gains (losses)	$0	8,369
Applicable income taxes	$119,000	9,396
Income before extraordinary items	$151,000	11,258
Extraordinary gains, net	$0	1,422
Net income	$151,000	11,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$21,000	8,450
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$151,000	10,927

* 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.