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Columbus FSB, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$6,213,000	4,840
Total interest expense	$4,364,000	3,550
Net interest income	$1,849,000	6,710
Provision for loan and lease losses	$37,000	7,027
Total noninterest income	$833,000	3,742
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$833,000	2,327
Total noninterest expense	$3,363,000	3,955
Salaries and employee benefits	$1,698,000	4,108
Premises and equipment expense	$417,000	4,472
Additional noninterest expense	$1,248,000	3,377
Pre-tax net operating income	$-718,000	9,253
Securities gains (losses)	$219,000	1,126
Applicable income taxes	$-76,000	9,218
Income before extraordinary items	$-423,000	9,197
Extraordinary gains, net	$0	105
Net income	$-423,000	9,198
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-609,150	9,247
2000-12-31 (YTD Data)		Rank
Total interest income	$5,796,000	5,206
Total interest expense	$4,271,000	3,774
Net interest income	$1,525,000	7,429
Provision for loan and lease losses	$8,000	8,049
Total noninterest income	$584,000	4,474
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$584,000	2,672
Total noninterest expense	$4,026,000	3,316
Salaries and employee benefits	$1,767,000	3,834
Premises and equipment expense	$548,000	3,525
Additional noninterest expense	$1,711,000	2,505
Pre-tax net operating income	$-1,925,000	9,820
Securities gains (losses)	$1,392,000	132
Applicable income taxes	$-10,000	9,326
Income before extraordinary items	$-523,000	9,577
Extraordinary gains, net	$0	38
Net income	$-523,000	9,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-1,887,160	9,821
1999-12-31 (YTD Data)		Rank
Total interest income	$1,746,000	8,775
Total interest expense	$1,213,000	7,614
Net interest income	$533,000	9,632
Provision for loan and lease losses	$-1,000	9,950
Total noninterest income	$116,000	8,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$116,000	6,271
Total noninterest expense	$968,000	8,221
Salaries and employee benefits	$552,000	8,025
Premises and equipment expense	$163,000	7,432
Additional noninterest expense	$253,000	8,534
Pre-tax net operating income	$-318,000	9,723
Securities gains (losses)	$330,000	426
Applicable income taxes	$17,000	8,284
Income before extraordinary items	$-5,000	9,448
Extraordinary gains, net	$0	35
Net income	$-5,000	9,446
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	$1,530,000	462
Net operating income	$-216,200	9,672
1998-12-31 (YTD Data)		Rank
Total interest income	$7,761,000	4,048
Total interest expense	$5,470,000	2,759
Net interest income	$2,291,000	6,141
Provision for loan and lease losses	$5,000	8,460
Total noninterest income	$838,000	3,499
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$838,000	2,090
Total noninterest expense	$4,870,000	2,687
Salaries and employee benefits	$3,144,000	2,154
Premises and equipment expense	$690,000	2,802
Additional noninterest expense	$1,036,000	3,845
Pre-tax net operating income	$-1,746,000	10,408
Securities gains (losses)	$3,194,000	176
Applicable income taxes	$513,000	3,769
Income before extraordinary items	$935,000	4,702
Extraordinary gains, net	$0	32
Net income	$935,000	4,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,505
Cash dividends	$663,000	2,940
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-1,141,100	10,361
1997-12-31 (YTD Data)		Rank
Total interest income	$7,675,000	4,126
Total interest expense	$5,317,000	2,814
Net interest income	$2,358,000	6,276
Provision for loan and lease losses	$2,000	8,765
Total noninterest income	$700,000	3,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$700,000	2,218
Total noninterest expense	$3,940,000	3,221
Salaries and employee benefits	$2,479,000	2,670
Premises and equipment expense	$671,000	2,846
Additional noninterest expense	$790,000	4,775
Pre-tax net operating income	$-884,000	10,832
Securities gains (losses)	$1,754,000	207
Applicable income taxes	$314,000	5,598
Income before extraordinary items	$556,000	6,631
Extraordinary gains, net	$0	44
Net income	$556,000	6,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-566,560	10,757
1996-12-31 (YTD Data)		Rank
Total interest income	$7,332,000	4,390
Total interest expense	$5,110,000	2,941
Net interest income	$2,222,000	6,721
Provision for loan and lease losses	$17,000	8,136
Total noninterest income	$732,000	3,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$732,000	2,226
Total noninterest expense	$4,480,000	3,028
Salaries and employee benefits	$2,515,000	2,687
Premises and equipment expense	$672,000	2,909
Additional noninterest expense	$1,293,000	3,547
Pre-tax net operating income	$-1,543,000	11,387
Securities gains (losses)	$2,302,000	136
Applicable income taxes	$256,000	6,373
Income before extraordinary items	$503,000	6,887
Extraordinary gains, net	$0	53
Net income	$503,000	6,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-1,016,320	11,344
1995-12-31 (YTD Data)		Rank
Total interest income	$7,052,000	4,523
Total interest expense	$5,103,000	2,974
Net interest income	$1,949,000	7,417
Provision for loan and lease losses	$5,000	8,671
Total noninterest income	$1,030,000	3,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,030,000	1,772
Total noninterest expense	$3,594,000	3,646
Salaries and employee benefits	$1,667,000	3,891
Premises and equipment expense	$636,000	3,062
Additional noninterest expense	$1,291,000	3,518
Pre-tax net operating income	$-620,000	11,823
Securities gains (losses)	$1,432,000	171
Applicable income taxes	$273,000	6,324
Income before extraordinary items	$539,000	6,971
Extraordinary gains, net	$0	65
Net income	$539,000	6,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$150,000	6,032
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$-406,120	11,770
1994-12-31 (YTD Data)		Rank
Total interest income	$5,795,000	5,023
Total interest expense	$4,381,000	2,796
Net interest income	$1,414,000	9,117
Provision for loan and lease losses	$-40,000	11,942
Total noninterest income	$693,000	4,155
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$693,000	2,352
Total noninterest expense	$3,911,000	3,495
Salaries and employee benefits	$2,611,000	2,549
Premises and equipment expense	$625,000	3,152
Additional noninterest expense	$675,000	6,507
Pre-tax net operating income	$-1,764,000	12,511
Securities gains (losses)	$2,329,000	82
Applicable income taxes	$154,000	8,233
Income before extraordinary items	$411,000	8,102
Extraordinary gains, net	$-113,000	12,541
Net income	$298,000	9,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$1,100,000	1,748
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-1,289,170	12,454
1993-12-31 (YTD Data)		Rank
Total interest income	$6,640,000	4,528
Total interest expense	$5,056,000	2,544
Net interest income	$1,584,000	8,851
Provision for loan and lease losses	$-46,000	12,720
Total noninterest income	$817,000	3,926
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$817,000	2,358
Total noninterest expense	$4,954,000	2,880
Salaries and employee benefits	$3,604,000	1,860
Premises and equipment expense	$579,000	3,438
Additional noninterest expense	$771,000	6,100
Pre-tax net operating income	$-2,507,000	13,113
Securities gains (losses)	$5,217,000	145
Applicable income taxes	$643,000	3,378
Income before extraordinary items	$2,067,000	2,430
Extraordinary gains, net	$0	3,149
Net income	$2,067,000	2,514
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-38,000	12,509
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-1,897,920	13,055
1992-12-31 (YTD Data)		Rank
Total interest income	$6,831,000	4,926
Total interest expense	$5,291,000	3,131
Net interest income	$1,540,000	9,153
Provision for loan and lease losses	$20,000	10,574
Total noninterest income	$867,000	3,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$867,000	2,194
Total noninterest expense	$4,440,000	3,199
Salaries and employee benefits	$3,138,000	2,097
Premises and equipment expense	$511,000	3,892
Additional noninterest expense	$791,000	6,128
Pre-tax net operating income	$-2,053,000	13,642
Securities gains (losses)	$4,661,000	219
Applicable income taxes	$901,000	2,320
Income before extraordinary items	$1,707,000	2,697
Extraordinary gains, net	$0	1,422
Net income	$1,707,000	2,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	7,730
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-1,322,650	13,540

* 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.