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Community Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,138,000 | 6,532 |
| Total interest expense | $1,652,000 | 7,003 |
| Net interest income | $2,486,000 | 6,073 |
| Provision for loan and lease losses | $238,000 | 3,087 |
| Total noninterest income | $454,000 | 5,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,075 |
| Total noninterest expense | $1,724,000 | 6,231 |
| Salaries and employee benefits | $853,000 | 6,523 |
| Premises and equipment expense | $204,000 | 6,772 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $978,000 | 5,899 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $328,000 | 5,483 |
| Income before extraordinary items | $650,000 | 6,117 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $650,000 | 6,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,520 |
| Cash dividends | $375,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 924 |
| Net operating income | $650,000 | 6,072 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,235,000 | 6,640 |
| Total interest expense | $1,574,000 | 7,386 |
| Net interest income | $2,661,000 | 5,942 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $436,000 | 5,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $1,520,000 | 7,051 |
| Salaries and employee benefits | $781,000 | 7,077 |
| Premises and equipment expense | $170,000 | 7,625 |
| Additional noninterest expense | $569,000 | 6,554 |
| Pre-tax net operating income | $1,522,000 | 4,288 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $504,000 | 4,120 |
| Income before extraordinary items | $1,018,000 | 4,421 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,018,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,481 |
| Cash dividends | $825,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,018,000 | 4,363 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,193,000 | 6,805 |
| Total interest expense | $1,564,000 | 7,519 |
| Net interest income | $2,629,000 | 6,087 |
| Provision for loan and lease losses | $292,000 | 2,340 |
| Total noninterest income | $443,000 | 5,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,140 |
| Total noninterest expense | $1,488,000 | 7,309 |
| Salaries and employee benefits | $728,000 | 7,548 |
| Premises and equipment expense | $160,000 | 8,033 |
| Additional noninterest expense | $600,000 | 6,537 |
| Pre-tax net operating income | $1,292,000 | 4,989 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $433,000 | 4,664 |
| Income before extraordinary items | $856,000 | 5,190 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $856,000 | 5,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,192 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $857,980 | 5,166 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,685,000 | 7,089 |
| Total interest expense | $1,182,000 | 7,979 |
| Net interest income | $2,503,000 | 6,480 |
| Provision for loan and lease losses | $-315,000 | 12,405 |
| Total noninterest income | $483,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,229 |
| Total noninterest expense | $1,540,000 | 7,473 |
| Salaries and employee benefits | $759,000 | 7,452 |
| Premises and equipment expense | $158,000 | 8,341 |
| Additional noninterest expense | $623,000 | 6,866 |
| Pre-tax net operating income | $1,761,000 | 3,829 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $594,000 | 3,540 |
| Income before extraordinary items | $1,167,000 | 3,960 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,167,000 | 3,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-251,000 | 12,450 |
| Cash dividends | $900,000 | 2,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,167,000 | 4,004 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 7,335 |
| Total interest expense | $1,220,000 | 8,176 |
| Net interest income | $2,431,000 | 6,671 |
| Provision for loan and lease losses | $76,000 | 6,424 |
| Total noninterest income | $529,000 | 5,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 5,372 |
| Total noninterest expense | $1,836,000 | 6,792 |
| Salaries and employee benefits | $826,000 | 7,165 |
| Premises and equipment expense | $174,000 | 8,281 |
| Additional noninterest expense | $836,000 | 5,712 |
| Pre-tax net operating income | $1,048,000 | 5,704 |
| Securities gains (losses) | $32,000 | 4,013 |
| Applicable income taxes | $369,000 | 5,305 |
| Income before extraordinary items | $711,000 | 6,048 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $711,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 4,128 |
| Cash dividends | $357,000 | 3,950 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 1,006 |
| Net operating income | $689,880 | 5,922 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,594,000 | 6,773 |
| Total interest expense | $1,907,000 | 7,332 |
| Net interest income | $2,687,000 | 6,237 |
| Provision for loan and lease losses | $925,000 | 1,930 |
| Total noninterest income | $675,000 | 4,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 4,460 |
| Total noninterest expense | $1,860,000 | 6,769 |
| Salaries and employee benefits | $883,000 | 6,713 |
| Premises and equipment expense | $174,000 | 8,469 |
| Additional noninterest expense | $803,000 | 6,056 |
| Pre-tax net operating income | $577,000 | 7,879 |
| Securities gains (losses) | $117,000 | 2,758 |
| Applicable income taxes | $237,000 | 6,885 |
| Income before extraordinary items | $457,000 | 7,675 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $457,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $776,000 | 1,847 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $379,780 | 8,063 |
* 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.