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Community Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,064,000 | 5,635 |
| Total interest expense | $2,601,000 | 5,217 |
| Net interest income | $2,463,000 | 5,904 |
| Provision for loan and lease losses | $165,000 | 3,956 |
| Total noninterest income | $242,000 | 7,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,659 |
| Total noninterest expense | $2,093,000 | 5,420 |
| Salaries and employee benefits | $920,000 | 6,114 |
| Premises and equipment expense | $271,000 | 5,687 |
| Additional noninterest expense | $902,000 | 4,281 |
| Pre-tax net operating income | $447,000 | 7,638 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $210,000 | 6,081 |
| Income before extraordinary items | $237,000 | 8,332 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $237,000 | 8,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,155,000 | 681 |
| Cash dividends | $56,000 | 6,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $237,000 | 8,257 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 10,923 |
| Total interest expense | $0 | 10,898 |
| Net interest income | $0 | 10,918 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $0 | 10,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,861 |
| Total noninterest expense | $0 | 10,923 |
| Salaries and employee benefits | $0 | 10,906 |
| Premises and equipment expense | $0 | 10,895 |
| Additional noninterest expense | $0 | 10,920 |
| Pre-tax net operating income | $0 | 10,358 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $0 | 10,401 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $0 | 10,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $0 | 10,363 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 5,782 |
| Total interest expense | $2,847,000 | 5,003 |
| Net interest income | $2,345,000 | 6,486 |
| Provision for loan and lease losses | $181,000 | 3,625 |
| Total noninterest income | $233,000 | 7,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $2,274,000 | 5,397 |
| Salaries and employee benefits | $969,000 | 6,135 |
| Premises and equipment expense | $266,000 | 6,016 |
| Additional noninterest expense | $1,039,000 | 4,273 |
| Pre-tax net operating income | $123,000 | 10,249 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-50,000 | 11,074 |
| Income before extraordinary items | $173,000 | 9,558 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $173,000 | 9,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $723,000 | 1,088 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $173,000 | 9,501 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,313,000 | 5,730 |
| Total interest expense | $2,839,000 | 5,016 |
| Net interest income | $2,474,000 | 6,363 |
| Provision for loan and lease losses | $432,000 | 1,760 |
| Total noninterest income | $294,000 | 7,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 6,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,986 |
| Total noninterest expense | $2,312,000 | 5,329 |
| Salaries and employee benefits | $971,000 | 6,205 |
| Premises and equipment expense | $212,000 | 6,974 |
| Additional noninterest expense | $1,129,000 | 3,944 |
| Pre-tax net operating income | $24,000 | 11,406 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $22,000 | 11,425 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $22,000 | 11,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $673,000 | 1,144 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $22,000 | 11,395 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,935,000 | 5,726 |
| Total interest expense | $2,157,000 | 5,263 |
| Net interest income | $2,778,000 | 5,948 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $345,000 | 6,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,577 |
| Total noninterest expense | $2,603,000 | 4,978 |
| Salaries and employee benefits | $987,000 | 6,149 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $1,396,000 | 3,540 |
| Pre-tax net operating income | $205,000 | 10,854 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $-163,000 | 12,366 |
| Income before extraordinary items | $375,000 | 8,409 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $375,000 | 8,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,156 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $368,000 | 8,519 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,469,000 | 5,360 |
| Total interest expense | $2,476,000 | 4,857 |
| Net interest income | $2,993,000 | 5,664 |
| Provision for loan and lease losses | $799,000 | 1,526 |
| Total noninterest income | $250,000 | 8,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 10,159 |
| Total noninterest expense | $2,877,000 | 4,678 |
| Salaries and employee benefits | $951,000 | 6,408 |
| Premises and equipment expense | $390,000 | 4,813 |
| Additional noninterest expense | $1,536,000 | 3,438 |
| Pre-tax net operating income | $-433,000 | 12,822 |
| Securities gains (losses) | $25,000 | 4,353 |
| Applicable income taxes | $4,000 | 11,985 |
| Income before extraordinary items | $-412,000 | 12,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-412,000 | 12,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,611,000 | 827 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-437,000 | 12,811 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,689,000 | 5,017 |
| Total interest expense | $3,553,000 | 4,497 |
| Net interest income | $3,136,000 | 5,511 |
| Provision for loan and lease losses | $2,917,000 | 854 |
| Total noninterest income | $415,000 | 6,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 6,237 |
| Total noninterest expense | $2,459,000 | 5,393 |
| Salaries and employee benefits | $1,113,000 | 5,535 |
| Premises and equipment expense | $214,000 | 7,538 |
| Additional noninterest expense | $1,132,000 | 4,574 |
| Pre-tax net operating income | $-1,825,000 | 13,613 |
| Securities gains (losses) | $48,000 | 4,198 |
| Applicable income taxes | $-239,000 | 13,683 |
| Income before extraordinary items | $-1,538,000 | 13,619 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,538,000 | 13,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,630,000 | 803 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,579,760 | 13,572 |
* 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.