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Diamond Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,670,000	9,851
Total interest expense	$762,000	9,764
Net interest income	$908,000	9,815
Provision for loan and lease losses	$114,000	4,823
Total noninterest income	$75,000	10,373
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	8,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	11,015
Total noninterest expense	$517,000	10,517
Salaries and employee benefits	$362,000	9,875
Premises and equipment expense	$56,000	10,464
Additional noninterest expense	$99,000	11,096
Pre-tax net operating income	$352,000	8,796
Securities gains (losses)	$0	4,148
Applicable income taxes	$137,000	8,089
Income before extraordinary items	$215,000	9,160
Extraordinary gains, net	$0	53
Net income	$215,000	9,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,829
Cash dividends	$5,000	8,271
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$215,000	9,107
1995-12-31 (YTD Data)		Rank
Total interest income	$1,542,000	10,458
Total interest expense	$683,000	10,373
Net interest income	$859,000	10,358
Provision for loan and lease losses	$0	8,958
Total noninterest income	$88,000	10,550
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,553
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,150
Total noninterest expense	$526,000	10,913
Salaries and employee benefits	$356,000	10,285
Premises and equipment expense	$51,000	11,056
Additional noninterest expense	$119,000	11,438
Pre-tax net operating income	$421,000	8,932
Securities gains (losses)	$0	3,831
Applicable income taxes	$158,000	8,127
Income before extraordinary items	$263,000	9,295
Extraordinary gains, net	$0	65
Net income	$263,000	9,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$5,000	8,648
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$263,000	9,271
1994-12-31 (YTD Data)		Rank
Total interest income	$1,333,000	11,071
Total interest expense	$591,000	10,638
Net interest income	$742,000	11,242
Provision for loan and lease losses	$10,000	8,460
Total noninterest income	$66,000	11,591
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,250
Total noninterest expense	$489,000	11,671
Salaries and employee benefits	$313,000	11,084
Premises and equipment expense	$27,000	12,284
Additional noninterest expense	$149,000	11,802
Pre-tax net operating income	$309,000	10,067
Securities gains (losses)	$0	3,600
Applicable income taxes	$104,000	9,268
Income before extraordinary items	$205,000	10,214
Extraordinary gains, net	$-5,000	12,493
Net income	$200,000	10,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$5,000	8,858
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$205,000	10,263
1993-12-31 (YTD Data)		Rank
Total interest income	$1,181,000	11,927
Total interest expense	$528,000	11,546
Net interest income	$653,000	12,026
Provision for loan and lease losses	$7,000	9,969
Total noninterest income	$72,000	12,009
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	12,687
Total noninterest expense	$459,000	12,370
Salaries and employee benefits	$282,000	11,848
Premises and equipment expense	$60,000	11,855
Additional noninterest expense	$117,000	12,795
Pre-tax net operating income	$259,000	10,560
Securities gains (losses)	$0	7,477
Applicable income taxes	$88,000	10,034
Income before extraordinary items	$171,000	10,966
Extraordinary gains, net	$0	3,149
Net income	$171,000	11,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	12,031
Cash dividends	$5,000	8,993
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$171,000	10,766
1992-12-31 (YTD Data)		Rank
Total interest income	$1,308,000	12,382
Total interest expense	$641,000	12,109
Net interest income	$667,000	12,452
Provision for loan and lease losses	$16,000	10,806
Total noninterest income	$82,000	12,225
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	10,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$462,000	12,844
Salaries and employee benefits	$275,000	12,306
Premises and equipment expense	$32,000	13,348
Additional noninterest expense	$155,000	12,864
Pre-tax net operating income	$271,000	10,416
Securities gains (losses)	$0	8,369
Applicable income taxes	$115,000	9,514
Income before extraordinary items	$156,000	11,195
Extraordinary gains, net	$0	1,422
Net income	$156,000	11,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	9,043
Cash dividends	$5,000	8,820
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$156,000	10,845

* 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.