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Community First Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,718,000	7,137
Total interest expense	$1,546,000	7,449
Net interest income	$2,172,000	6,818
Provision for loan and lease losses	$66,000	5,953
Total noninterest income	$431,000	5,695
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$295,000	4,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	6,251
Total noninterest expense	$1,260,000	7,799
Salaries and employee benefits	$695,000	7,565
Premises and equipment expense	$204,000	6,963
Additional noninterest expense	$361,000	8,252
Pre-tax net operating income	$1,277,000	4,894
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$393,000	4,943
Income before extraordinary items	$885,000	4,939
Extraordinary gains, net	$0	53
Net income	$885,000	4,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,098
Cash dividends	$575,000	3,141
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$884,310	4,882
1995-12-31 (YTD Data)		Rank
Total interest income	$3,270,000	7,832
Total interest expense	$1,324,000	8,204
Net interest income	$1,946,000	7,424
Provision for loan and lease losses	$61,000	5,684
Total noninterest income	$416,000	5,838
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$274,000	4,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	6,145
Total noninterest expense	$1,125,000	8,484
Salaries and employee benefits	$600,000	8,355
Premises and equipment expense	$165,000	7,915
Additional noninterest expense	$360,000	8,596
Pre-tax net operating income	$1,176,000	5,321
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$353,000	5,401
Income before extraordinary items	$827,000	5,325
Extraordinary gains, net	$0	65
Net income	$827,000	5,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,176
Cash dividends	$240,000	5,079
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$824,200	5,308
1994-12-31 (YTD Data)		Rank
Total interest income	$2,509,000	8,893
Total interest expense	$868,000	9,269
Net interest income	$1,641,000	8,480
Provision for loan and lease losses	$15,000	8,073
Total noninterest income	$259,000	7,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$203,000	5,805
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	9,309
Total noninterest expense	$920,000	9,685
Salaries and employee benefits	$486,000	9,522
Premises and equipment expense	$123,000	9,301
Additional noninterest expense	$311,000	9,829
Pre-tax net operating income	$965,000	6,096
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$275,000	6,190
Income before extraordinary items	$691,000	5,970
Extraordinary gains, net	$0	249
Net income	$691,000	5,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$515,000	3,114
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$690,280	6,035
1993-12-31 (YTD Data)		Rank
Total interest income	$1,211,000	11,867
Total interest expense	$411,000	12,174
Net interest income	$800,000	11,509
Provision for loan and lease losses	$0	10,371
Total noninterest income	$91,000	11,541
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	10,201
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	10,391
Total noninterest expense	$414,000	12,578
Salaries and employee benefits	$239,000	12,289
Premises and equipment expense	$46,000	12,340
Additional noninterest expense	$129,000	12,671
Pre-tax net operating income	$477,000	8,805
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$120,000	9,304
Income before extraordinary items	$363,000	8,809
Extraordinary gains, net	$0	3,149
Net income	$363,000	8,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$326,000	4,155
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$358,500	8,590
1992-12-31 (YTD Data)		Rank
Total interest income	$1,290,000	12,424
Total interest expense	$508,000	12,729
Net interest income	$782,000	11,987
Provision for loan and lease losses	$0	11,756
Total noninterest income	$62,000	12,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	11,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	11,401
Total noninterest expense	$440,000	12,964
Salaries and employee benefits	$232,000	12,802
Premises and equipment expense	$49,000	12,719
Additional noninterest expense	$159,000	12,806
Pre-tax net operating income	$404,000	9,206
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$84,000	10,333
Income before extraordinary items	$321,000	9,031
Extraordinary gains, net	$0	1,422
Net income	$321,000	9,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	12,396
Cash dividends	$319,000	3,866
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$320,210	8,675

* 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.