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Community Federal Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,996,000 | 1,900 |
| Total interest expense | $10,391,000 | 1,468 |
| Net interest income | $6,605,000 | 2,583 |
| Provision for loan and lease losses | $247,000 | 3,019 |
| Total noninterest income | $468,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $468,000 | 3,104 |
| Total noninterest expense | $3,899,000 | 3,285 |
| Salaries and employee benefits | $2,534,000 | 2,671 |
| Premises and equipment expense | $341,000 | 4,967 |
| Additional noninterest expense | $1,024,000 | 3,880 |
| Pre-tax net operating income | $2,927,000 | 2,437 |
| Securities gains (losses) | $1,916,000 | 238 |
| Applicable income taxes | $1,820,000 | 1,382 |
| Income before extraordinary items | $3,023,000 | 1,734 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,023,000 | 1,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,626 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,796,760 | 2,718 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,890,000 | 2,355 |
| Total interest expense | $7,452,000 | 2,054 |
| Net interest income | $6,438,000 | 2,704 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $321,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $321,000 | 3,779 |
| Total noninterest expense | $3,116,000 | 3,973 |
| Salaries and employee benefits | $2,307,000 | 2,871 |
| Premises and equipment expense | $299,000 | 5,455 |
| Additional noninterest expense | $510,000 | 6,423 |
| Pre-tax net operating income | $3,618,000 | 2,079 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $1,300,000 | 1,930 |
| Income before extraordinary items | $2,338,000 | 2,251 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,338,000 | 2,251 |
| 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 | $2,325,200 | 2,204 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,950,000 | 2,582 |
| Total interest expense | $7,122,000 | 2,181 |
| Net interest income | $5,828,000 | 3,037 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $193,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $193,000 | 5,277 |
| Total noninterest expense | $3,175,000 | 4,118 |
| Salaries and employee benefits | $1,292,000 | 4,879 |
| Premises and equipment expense | $266,000 | 6,016 |
| Additional noninterest expense | $1,617,000 | 2,934 |
| Pre-tax net operating income | $2,831,000 | 2,486 |
| Securities gains (losses) | $38,000 | 1,523 |
| Applicable income taxes | $996,000 | 2,355 |
| Income before extraordinary items | $1,873,000 | 2,600 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,873,000 | 2,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,848,300 | 2,585 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,261,000 | 2,956 |
| Total interest expense | $6,704,000 | 2,319 |
| Net interest income | $4,557,000 | 3,861 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $215,000 | 8,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $215,000 | 4,917 |
| Total noninterest expense | $1,707,000 | 6,719 |
| Salaries and employee benefits | $907,000 | 6,528 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $613,000 | 6,457 |
| Pre-tax net operating income | $3,025,000 | 2,415 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $1,102,000 | 2,184 |
| Income before extraordinary items | $1,956,000 | 2,563 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,956,000 | 2,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,934,880 | 2,553 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,056,000 | 3,018 |
| Total interest expense | $6,531,000 | 1,908 |
| Net interest income | $3,525,000 | 4,917 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $176,000 | 9,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $1,914,000 | 6,419 |
| Salaries and employee benefits | $747,000 | 7,538 |
| Premises and equipment expense | $178,000 | 7,891 |
| Additional noninterest expense | $989,000 | 4,746 |
| Pre-tax net operating income | $1,772,000 | 3,808 |
| Securities gains (losses) | $647,000 | 226 |
| Applicable income taxes | $1,169,000 | 1,927 |
| Income before extraordinary items | $1,250,000 | 3,715 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,250,000 | 3,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $20,002,000 | 64 |
| Net operating income | $835,920 | 5,246 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,076,000 | 3,060 |
| Total interest expense | $5,152,000 | 2,508 |
| Net interest income | $4,924,000 | 3,618 |
| Provision for loan and lease losses | $95,000 | 5,900 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $249,000 | 5,015 |
| Total noninterest expense | $1,653,000 | 7,343 |
| Salaries and employee benefits | $967,000 | 6,324 |
| Premises and equipment expense | $167,000 | 8,450 |
| Additional noninterest expense | $519,000 | 8,037 |
| Pre-tax net operating income | $3,425,000 | 1,989 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $1,144,000 | 2,000 |
| Income before extraordinary items | $2,286,000 | 2,186 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,286,000 | 2,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,282,650 | 2,057 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,075,000 | 3,167 |
| Total interest expense | $6,298,000 | 2,667 |
| Net interest income | $4,777,000 | 3,803 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $158,000 | 10,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $158,000 | 6,458 |
| Total noninterest expense | $1,334,000 | 8,548 |
| Salaries and employee benefits | $666,000 | 8,256 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $502,000 | 8,439 |
| Pre-tax net operating income | $3,426,000 | 1,806 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $1,169,000 | 1,803 |
| Income before extraordinary items | $2,280,000 | 2,017 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,280,000 | 2,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,264,820 | 1,857 |
* 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.