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Constitution Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,718,000 | 2,836 |
| Total interest expense | $4,439,000 | 2,764 |
| Net interest income | $6,279,000 | 2,880 |
| Provision for loan and lease losses | $1,786,000 | 633 |
| Total noninterest income | $230,000 | 8,246 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $225,000 | 5,425 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $7,523,000 | 1,914 |
| Salaries and employee benefits | $2,620,000 | 2,546 |
| Premises and equipment expense | $1,073,000 | 1,909 |
| Additional noninterest expense | $3,830,000 | 1,465 |
| Pre-tax net operating income | $-2,800,000 | 12,549 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $141,000 | 8,493 |
| Income before extraordinary items | $-2,941,000 | 12,525 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-2,941,000 | 12,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,516,000 | 683 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $583,000 | 523 |
| Net operating income | $-2,941,000 | 12,526 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,898,000 | 2,594 |
| Total interest expense | $5,107,000 | 2,528 |
| Net interest income | $6,791,000 | 2,652 |
| Provision for loan and lease losses | $1,534,000 | 983 |
| Total noninterest income | $262,000 | 8,182 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $262,000 | 4,922 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $0 | 13,212 |
| Total noninterest expense | $7,587,000 | 1,948 |
| Salaries and employee benefits | $2,881,000 | 2,314 |
| Premises and equipment expense | $1,146,000 | 1,826 |
| Additional noninterest expense | $3,560,000 | 1,660 |
| Pre-tax net operating income | $-2,068,000 | 13,088 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $78,000 | 10,260 |
| Income before extraordinary items | $-2,146,000 | 13,094 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-2,146,000 | 13,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,416,000 | 900 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,146,000 | 13,071 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,676,000 | 2,580 |
| Total interest expense | $6,996,000 | 2,406 |
| Net interest income | $6,680,000 | 2,741 |
| Provision for loan and lease losses | $207,000 | 5,126 |
| Total noninterest income | $437,000 | 6,197 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $437,000 | 3,213 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $0 | 13,866 |
| Total noninterest expense | $5,898,000 | 2,459 |
| Salaries and employee benefits | $2,457,000 | 2,642 |
| Premises and equipment expense | $942,000 | 2,212 |
| Additional noninterest expense | $2,499,000 | 2,323 |
| Pre-tax net operating income | $1,012,000 | 5,571 |
| Securities gains (losses) | $468,000 | 1,145 |
| Applicable income taxes | $530,000 | 3,801 |
| Income before extraordinary items | $950,000 | 4,721 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $950,000 | 4,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,388,000 | 859 |
| Cash dividends | $73,000 | 7,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $650,480 | 5,872 |
* 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.