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Community First Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$2,674,000	7,561
Total interest expense	$1,430,000	7,123
Net interest income	$1,244,000	7,794
Provision for loan and lease losses	$0	8,228
Total noninterest income	$355,000	5,991
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$279,000	4,346
Trading account gains and fees	$0	177
Additional Noninterest Income	$76,000	6,985
Total noninterest expense	$1,147,000	7,585
Salaries and employee benefits	$628,000	7,542
Premises and equipment expense	$120,000	8,004
Additional noninterest expense	$399,000	7,153
Pre-tax net operating income	$452,000	6,746
Securities gains (losses)	$0	4,612
Applicable income taxes	$150,000	5,448
Income before extraordinary items	$302,000	7,128
Extraordinary gains, net	$0	105
Net income	$302,000	7,129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-481,000	9,592
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$302,000	7,011
2000-12-31 (YTD Data)		Rank
Total interest income	$33,586,000	1,051
Total interest expense	$17,539,000	1,010
Net interest income	$16,047,000	1,104
Provision for loan and lease losses	$825,000	1,240
Total noninterest income	$3,971,000	1,075
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$3,055,000	438
Trading account gains and fees	$0	180
Additional Noninterest Income	$916,000	1,963
Total noninterest expense	$11,247,000	1,232
Salaries and employee benefits	$6,397,000	1,101
Premises and equipment expense	$1,696,000	1,189
Additional noninterest expense	$3,154,000	1,426
Pre-tax net operating income	$7,946,000	974
Securities gains (losses)	$11,000	1,132
Applicable income taxes	$2,510,000	962
Income before extraordinary items	$5,447,000	987
Extraordinary gains, net	$0	38
Net income	$5,447,000	987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$400,000	1,479
Cash dividends	$1,493,000	1,682
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$5,439,520	983
1999-12-31 (YTD Data)		Rank
Total interest income	$30,227,000	1,078
Total interest expense	$15,145,000	1,010
Net interest income	$15,082,000	1,170
Provision for loan and lease losses	$1,015,000	958
Total noninterest income	$3,828,000	1,125
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,830,000	478
Trading account gains and fees	$0	173
Additional Noninterest Income	$998,000	1,873
Total noninterest expense	$13,750,000	1,014
Salaries and employee benefits	$8,660,000	804
Premises and equipment expense	$1,798,000	1,116
Additional noninterest expense	$3,292,000	1,406
Pre-tax net operating income	$4,145,000	1,788
Securities gains (losses)	$46,000	1,011
Applicable income taxes	$1,204,000	1,918
Income before extraordinary items	$2,987,000	1,783
Extraordinary gains, net	$0	35
Net income	$2,987,000	1,784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$517,000	1,191
Cash dividends	$5,150,000	638
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,954,340	1,765
1998-12-31 (YTD Data)		Rank
Total interest income	$31,611,000	1,035
Total interest expense	$16,517,000	959
Net interest income	$15,094,000	1,119
Provision for loan and lease losses	$782,000	1,204
Total noninterest income	$4,940,000	948
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$3,680,000	362
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,260,000	1,576
Total noninterest expense	$14,169,000	960
Salaries and employee benefits	$7,610,000	864
Premises and equipment expense	$2,654,000	760
Additional noninterest expense	$3,905,000	1,145
Pre-tax net operating income	$5,083,000	1,448
Securities gains (losses)	$720,000	456
Applicable income taxes	$1,842,000	1,365
Income before extraordinary items	$3,961,000	1,339
Extraordinary gains, net	$0	32
Net income	$3,961,000	1,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$692,000	982
Cash dividends	$21,189,000	241
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,471,400	1,456
1997-12-31 (YTD Data)		Rank
Total interest income	$30,961,000	1,093
Total interest expense	$15,745,000	1,042
Net interest income	$15,216,000	1,156
Provision for loan and lease losses	$2,068,000	574
Total noninterest income	$3,961,000	1,083
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$3,047,000	433
Trading account gains and fees	$0	239
Additional Noninterest Income	$914,000	1,840
Total noninterest expense	$15,302,000	922
Salaries and employee benefits	$7,252,000	916
Premises and equipment expense	$2,602,000	787
Additional noninterest expense	$5,448,000	908
Pre-tax net operating income	$1,807,000	3,849
Securities gains (losses)	$-20,000	10,368
Applicable income taxes	$548,000	3,949
Income before extraordinary items	$1,239,000	3,942
Extraordinary gains, net	$0	44
Net income	$1,239,000	3,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,616,000	573
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,252,800	3,844
1996-12-31 (YTD Data)		Rank
Total interest income	$26,020,000	1,311
Total interest expense	$14,524,000	1,124
Net interest income	$11,496,000	1,543
Provision for loan and lease losses	$1,143,000	932
Total noninterest income	$4,958,000	954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$4,958,000	651
Total noninterest expense	$15,005,000	1,019
Salaries and employee benefits	$6,415,000	1,042
Premises and equipment expense	$3,740,000	596
Additional noninterest expense	$4,850,000	1,165
Pre-tax net operating income	$306,000	9,091
Securities gains (losses)	$138,000	828
Applicable income taxes	$60,000	9,509
Income before extraordinary items	$384,000	7,762
Extraordinary gains, net	$0	53
Net income	$384,000	7,759
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$679,000	1,143
Cash dividends	$814,000	2,462
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$265,320	8,645
1995-12-31 (YTD Data)		Rank
Total interest income	$25,631,000	1,333
Total interest expense	$14,264,000	1,167
Net interest income	$11,367,000	1,577
Provision for loan and lease losses	$250,000	2,552
Total noninterest income	$4,703,000	995
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$4,703,000	687
Total noninterest expense	$11,608,000	1,247
Salaries and employee benefits	$5,372,000	1,242
Premises and equipment expense	$3,136,000	729
Additional noninterest expense	$3,100,000	1,654
Pre-tax net operating income	$4,212,000	1,755
Securities gains (losses)	$344,000	464
Applicable income taxes	$1,476,000	1,666
Income before extraordinary items	$3,080,000	1,655
Extraordinary gains, net	$0	65
Net income	$3,080,000	1,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$343,000	1,775
Cash dividends	$752,000	2,523
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$2,846,080	1,758
1994-12-31 (YTD Data)		Rank
Total interest income	$23,834,000	1,313
Total interest expense	$12,532,000	1,055
Net interest income	$11,302,000	1,602
Provision for loan and lease losses	$-82,000	12,108
Total noninterest income	$3,406,000	1,237
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$3,406,000	813
Total noninterest expense	$11,697,000	1,265
Salaries and employee benefits	$5,909,000	1,141
Premises and equipment expense	$2,826,000	795
Additional noninterest expense	$2,962,000	1,826
Pre-tax net operating income	$3,093,000	2,294
Securities gains (losses)	$-148,000	11,785
Applicable income taxes	$545,000	3,794
Income before extraordinary items	$2,400,000	2,032
Extraordinary gains, net	$0	249
Net income	$2,400,000	2,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,477
Cash dividends	$83,000	7,255
Sale, conversion, retirement of capital stock, net	$2,000,000	296
Net operating income	$2,519,880	1,932
1993-12-31 (YTD Data)		Rank
Total interest income	$23,408,000	1,362
Total interest expense	$11,824,000	1,147
Net interest income	$11,584,000	1,557
Provision for loan and lease losses	$876,000	1,431
Total noninterest income	$3,209,000	1,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$3,209,000	914
Total noninterest expense	$10,516,000	1,452
Salaries and employee benefits	$5,552,000	1,206
Premises and equipment expense	$2,378,000	933
Additional noninterest expense	$2,586,000	2,158
Pre-tax net operating income	$3,401,000	2,002
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,054,000	2,134
Income before extraordinary items	$2,347,000	2,135
Extraordinary gains, net	$91,000	1,655
Net income	$2,438,000	2,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	7,087
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,347,000	2,007
1992-12-31 (YTD Data)		Rank
Total interest income	$25,773,000	1,419
Total interest expense	$14,978,000	1,192
Net interest income	$10,795,000	1,702
Provision for loan and lease losses	$1,098,000	1,731
Total noninterest income	$2,461,000	1,678
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,461,000	1,090
Total noninterest expense	$9,616,000	1,591
Salaries and employee benefits	$5,123,000	1,311
Premises and equipment expense	$1,819,000	1,202
Additional noninterest expense	$2,674,000	2,202
Pre-tax net operating income	$2,542,000	2,438
Securities gains (losses)	$0	8,369
Applicable income taxes	$679,000	3,071
Income before extraordinary items	$1,863,000	2,464
Extraordinary gains, net	$0	1,422
Net income	$1,863,000	2,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$232,000	3,879
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,863,000	2,283

* 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.