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Courtland State Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$1,166,000	9,463
Total interest expense	$568,000	9,290
Net interest income	$598,000	9,515
Provision for loan and lease losses	$0	8,503
Total noninterest income	$65,000	9,370
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,098
Total noninterest expense	$314,000	10,041
Salaries and employee benefits	$127,000	10,092
Premises and equipment expense	$37,000	9,880
Additional noninterest expense	$150,000	9,512
Pre-tax net operating income	$349,000	7,839
Securities gains (losses)	$0	3,155
Applicable income taxes	$138,000	6,424
Income before extraordinary items	$211,000	8,215
Extraordinary gains, net	$0	35
Net income	$211,000	8,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	9,348
Cash dividends	$55,000	6,553
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$211,000	8,191
1998-12-31 (YTD Data)		Rank
Total interest income	$1,247,000	9,602
Total interest expense	$661,000	9,304
Net interest income	$586,000	9,764
Provision for loan and lease losses	$0	8,652
Total noninterest income	$55,000	9,778
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	8,696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,816
Total noninterest expense	$284,000	10,285
Salaries and employee benefits	$122,000	10,333
Premises and equipment expense	$28,000	10,205
Additional noninterest expense	$134,000	9,807
Pre-tax net operating income	$357,000	8,111
Securities gains (losses)	$0	4,449
Applicable income taxes	$137,000	7,022
Income before extraordinary items	$220,000	8,473
Extraordinary gains, net	$0	32
Net income	$220,000	8,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$55,000	6,817
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$220,000	8,395
1997-12-31 (YTD Data)		Rank
Total interest income	$1,165,000	10,112
Total interest expense	$597,000	9,831
Net interest income	$568,000	10,251
Provision for loan and lease losses	$13,000	8,228
Total noninterest income	$22,000	10,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	9,149
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,761
Total noninterest expense	$258,000	10,766
Salaries and employee benefits	$126,000	10,773
Premises and equipment expense	$23,000	10,723
Additional noninterest expense	$109,000	10,450
Pre-tax net operating income	$319,000	8,890
Securities gains (losses)	$0	3,944
Applicable income taxes	$124,000	8,012
Income before extraordinary items	$195,000	9,198
Extraordinary gains, net	$0	44
Net income	$195,000	9,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,371
Cash dividends	$55,000	7,116
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$195,000	9,149
1996-12-31 (YTD Data)		Rank
Total interest income	$1,088,000	10,696
Total interest expense	$565,000	10,392
Net interest income	$523,000	10,842
Provision for loan and lease losses	$25,000	7,649
Total noninterest income	$25,000	11,196
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,246
Total noninterest expense	$227,000	11,338
Salaries and employee benefits	$118,000	11,324
Premises and equipment expense	$20,000	11,299
Additional noninterest expense	$89,000	11,172
Pre-tax net operating income	$296,000	9,161
Securities gains (losses)	$0	4,148
Applicable income taxes	$112,000	8,533
Income before extraordinary items	$184,000	9,454
Extraordinary gains, net	$0	53
Net income	$184,000	9,455
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$184,000	9,394
1995-12-31 (YTD Data)		Rank
Total interest income	$1,017,000	11,249
Total interest expense	$523,000	10,941
Net interest income	$494,000	11,412
Provision for loan and lease losses	$42,000	6,540
Total noninterest income	$38,000	11,546
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	9,718
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,753
Total noninterest expense	$234,000	11,832
Salaries and employee benefits	$118,000	11,827
Premises and equipment expense	$22,000	11,772
Additional noninterest expense	$94,000	11,664
Pre-tax net operating income	$256,000	10,070
Securities gains (losses)	$0	3,831
Applicable income taxes	$93,000	9,312
Income before extraordinary items	$163,000	10,331
Extraordinary gains, net	$0	65
Net income	$163,000	10,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$150,000	6,032
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$163,000	10,313
1994-12-31 (YTD Data)		Rank
Total interest income	$912,000	11,868
Total interest expense	$415,000	11,504
Net interest income	$497,000	12,017
Provision for loan and lease losses	$33,000	6,965
Total noninterest income	$29,000	12,275
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	10,480
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$246,000	12,452
Salaries and employee benefits	$117,000	12,472
Premises and equipment expense	$25,000	12,337
Additional noninterest expense	$104,000	12,264
Pre-tax net operating income	$247,000	10,519
Securities gains (losses)	$0	3,600
Applicable income taxes	$96,000	9,458
Income before extraordinary items	$151,000	10,807
Extraordinary gains, net	$0	249
Net income	$151,000	10,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$70,000	7,531
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$151,000	10,861
1993-12-31 (YTD Data)		Rank
Total interest income	$778,000	12,707
Total interest expense	$374,000	12,338
Net interest income	$404,000	12,806
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$29,000	12,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	10,960
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,927
Total noninterest expense	$215,000	13,162
Salaries and employee benefits	$97,000	13,178
Premises and equipment expense	$35,000	12,695
Additional noninterest expense	$83,000	13,062
Pre-tax net operating income	$198,000	11,058
Securities gains (losses)	$0	7,477
Applicable income taxes	$74,000	10,356
Income before extraordinary items	$124,000	11,531
Extraordinary gains, net	$0	3,149
Net income	$124,000	11,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$50,000	7,918
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$124,000	11,317
1992-12-31 (YTD Data)		Rank
Total interest income	$855,000	13,265
Total interest expense	$444,000	13,005
Net interest income	$411,000	13,359
Provision for loan and lease losses	$30,000	9,956
Total noninterest income	$31,000	13,519
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	11,193
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,675
Total noninterest expense	$207,000	13,791
Salaries and employee benefits	$91,000	13,808
Premises and equipment expense	$29,000	13,446
Additional noninterest expense	$87,000	13,631
Pre-tax net operating income	$205,000	11,029
Securities gains (losses)	$0	8,369
Applicable income taxes	$80,000	10,440
Income before extraordinary items	$125,000	11,619
Extraordinary gains, net	$0	1,422
Net income	$125,000	11,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	10,379
Cash dividends	$80,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$125,000	11,299

* 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.