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Community Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 8,571 |
| Total interest expense | $1,449,000 | 7,694 |
| Net interest income | $1,146,000 | 9,163 |
| Provision for loan and lease losses | $356,000 | 2,292 |
| Total noninterest income | $301,000 | 6,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $1,174,000 | 8,062 |
| Salaries and employee benefits | $664,000 | 7,747 |
| Premises and equipment expense | $221,000 | 6,672 |
| Additional noninterest expense | $289,000 | 8,993 |
| Pre-tax net operating income | $-83,000 | 10,938 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-65,000 | 11,115 |
| Income before extraordinary items | $-18,000 | 10,867 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-18,000 | 10,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,953 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 374 |
| Net operating income | $-18,000 | 10,821 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 9,842 |
| Total interest expense | $1,046,000 | 9,097 |
| Net interest income | $881,000 | 10,305 |
| Provision for loan and lease losses | $163,000 | 3,478 |
| Total noninterest income | $257,000 | 7,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,187,000 | 8,253 |
| Salaries and employee benefits | $631,000 | 8,176 |
| Premises and equipment expense | $193,000 | 7,333 |
| Additional noninterest expense | $363,000 | 8,565 |
| Pre-tax net operating income | $-212,000 | 11,678 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-56,000 | 11,654 |
| Income before extraordinary items | $-156,000 | 11,652 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-156,000 | 11,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,132 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 248 |
| Net operating income | $-156,000 | 11,640 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $820,000 | 12,036 |
| Total interest expense | $351,000 | 11,825 |
| Net interest income | $469,000 | 12,092 |
| Provision for loan and lease losses | $208,000 | 2,952 |
| Total noninterest income | $110,000 | 10,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $715,000 | 10,636 |
| Salaries and employee benefits | $383,000 | 10,439 |
| Premises and equipment expense | $120,000 | 9,390 |
| Additional noninterest expense | $212,000 | 10,993 |
| Pre-tax net operating income | $-344,000 | 12,323 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-63,000 | 12,246 |
| Income before extraordinary items | $-281,000 | 12,266 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-281,000 | 12,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-281,000 | 12,286 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,000 | 13,275 |
| Total interest expense | $3,000 | 13,254 |
| Net interest income | $17,000 | 13,234 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $3,000 | 13,207 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 11,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,164 |
| Total noninterest expense | $288,000 | 13,017 |
| Salaries and employee benefits | $154,000 | 12,964 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $66,000 | 13,153 |
| Pre-tax net operating income | $-268,000 | 12,746 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-91,000 | 12,944 |
| Income before extraordinary items | $-177,000 | 12,741 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-177,000 | 12,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 252 |
| Net operating income | $-177,000 | 12,654 |
* 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.