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County Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $43,635,000 | 790 |
| Total interest expense | $27,335,000 | 620 |
| Net interest income | $16,300,000 | 1,077 |
| Provision for loan and lease losses | $252,000 | 2,917 |
| Total noninterest income | $2,032,000 | 1,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,032,000 | 1,089 |
| Total noninterest expense | $10,333,000 | 1,282 |
| Salaries and employee benefits | $5,640,000 | 1,161 |
| Premises and equipment expense | $1,336,000 | 1,462 |
| Additional noninterest expense | $3,357,000 | 1,307 |
| Pre-tax net operating income | $7,747,000 | 1,048 |
| Securities gains (losses) | $723,000 | 342 |
| Applicable income taxes | $3,169,000 | 882 |
| Income before extraordinary items | $5,301,000 | 1,039 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,301,000 | 1,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,018 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,838,280 | 1,122 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $40,005,000 | 877 |
| Total interest expense | $25,406,000 | 694 |
| Net interest income | $14,599,000 | 1,232 |
| Provision for loan and lease losses | $1,001,000 | 1,018 |
| Total noninterest income | $1,374,000 | 2,447 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,374,000 | 1,459 |
| Total noninterest expense | $11,635,000 | 1,237 |
| Salaries and employee benefits | $5,437,000 | 1,227 |
| Premises and equipment expense | $1,212,000 | 1,675 |
| Additional noninterest expense | $4,986,000 | 1,138 |
| Pre-tax net operating income | $3,337,000 | 2,149 |
| Securities gains (losses) | $410,000 | 468 |
| Applicable income taxes | $1,302,000 | 1,851 |
| Income before extraordinary items | $2,445,000 | 2,031 |
| Extraordinary gains, net | $-1,238,000 | 11,449 |
| Net income | $1,207,000 | 3,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,805 |
| Cash dividends | $1,350,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,178,500 | 2,214 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $36,449,000 | 982 |
| Total interest expense | $23,439,000 | 769 |
| Net interest income | $13,010,000 | 1,383 |
| Provision for loan and lease losses | $250,000 | 2,552 |
| Total noninterest income | $1,694,000 | 2,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,694,000 | 1,270 |
| Total noninterest expense | $9,742,000 | 1,458 |
| Salaries and employee benefits | $5,623,000 | 1,193 |
| Premises and equipment expense | $1,250,000 | 1,622 |
| Additional noninterest expense | $2,869,000 | 1,763 |
| Pre-tax net operating income | $4,712,000 | 1,575 |
| Securities gains (losses) | $284,000 | 535 |
| Applicable income taxes | $984,000 | 2,418 |
| Income before extraordinary items | $4,012,000 | 1,319 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,012,000 | 1,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,092 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $3,784,800 | 1,354 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $29,117,000 | 1,092 |
| Total interest expense | $17,943,000 | 784 |
| Net interest income | $11,174,000 | 1,619 |
| Provision for loan and lease losses | $500,000 | 1,533 |
| Total noninterest income | $2,846,000 | 1,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,846,000 | 910 |
| Total noninterest expense | $10,248,000 | 1,428 |
| Salaries and employee benefits | $5,615,000 | 1,205 |
| Premises and equipment expense | $1,432,000 | 1,462 |
| Additional noninterest expense | $3,201,000 | 1,711 |
| Pre-tax net operating income | $3,272,000 | 2,177 |
| Securities gains (losses) | $-86,000 | 11,430 |
| Applicable income taxes | $-438,000 | 12,472 |
| Income before extraordinary items | $3,624,000 | 1,376 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,624,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,438,000 | 705 |
| Cash dividends | $828,000 | 2,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,710,000 | 1,362 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,146,000 | 1,133 |
| Total interest expense | $17,479,000 | 805 |
| Net interest income | $10,667,000 | 1,703 |
| Provision for loan and lease losses | $326,000 | 2,824 |
| Total noninterest income | $1,641,000 | 2,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,641,000 | 1,449 |
| Total noninterest expense | $10,960,000 | 1,402 |
| Salaries and employee benefits | $5,327,000 | 1,257 |
| Premises and equipment expense | $1,538,000 | 1,387 |
| Additional noninterest expense | $4,095,000 | 1,487 |
| Pre-tax net operating income | $1,022,000 | 5,805 |
| Securities gains (losses) | $2,612,000 | 261 |
| Applicable income taxes | $287,000 | 6,245 |
| Income before extraordinary items | $3,347,000 | 1,516 |
| Extraordinary gains, net | $-326,000 | 13,119 |
| Net income | $3,021,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $762,000 | 1,357 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $943,960 | 4,685 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $32,595,000 | 1,116 |
| Total interest expense | $23,277,000 | 809 |
| Net interest income | $9,318,000 | 1,963 |
| Provision for loan and lease losses | $1,396,000 | 1,483 |
| Total noninterest income | $2,446,000 | 1,683 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,446,000 | 1,093 |
| Total noninterest expense | $10,120,000 | 1,516 |
| Salaries and employee benefits | $4,631,000 | 1,434 |
| Premises and equipment expense | $1,504,000 | 1,436 |
| Additional noninterest expense | $3,985,000 | 1,587 |
| Pre-tax net operating income | $248,000 | 10,624 |
| Securities gains (losses) | $1,535,000 | 484 |
| Applicable income taxes | $243,000 | 6,773 |
| Income before extraordinary items | $1,540,000 | 3,005 |
| Extraordinary gains, net | $1,968,000 | 75 |
| Net income | $3,508,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,174,000 | 1,411 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $219,900 | 9,985 |
* 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.