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Evergreen Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,026,000	8,654
Total interest expense	$1,235,000	7,826
Net interest income	$791,000	9,272
Provision for loan and lease losses	$300,000	2,562
Total noninterest income	$159,000	8,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	7,990
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	6,480
Total noninterest expense	$584,000	9,491
Salaries and employee benefits	$183,000	10,176
Premises and equipment expense	$144,000	7,784
Additional noninterest expense	$257,000	8,537
Pre-tax net operating income	$66,000	9,560
Securities gains (losses)	$0	4,449
Applicable income taxes	$22,000	8,844
Income before extraordinary items	$44,000	9,655
Extraordinary gains, net	$0	32
Net income	$44,000	9,653
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,861,000	328
Cash dividends	$124,000	6,040
Sale, conversion, retirement of capital stock, net	$7,090,000	166
Net operating income	$44,000	9,594
1997-12-31 (YTD Data)		Rank
Total interest income	$8,256,000	3,860
Total interest expense	$4,283,000	3,431
Net interest income	$3,973,000	4,264
Provision for loan and lease losses	$355,000	2,301
Total noninterest income	$424,000	5,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$289,000	4,189
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	5,975
Total noninterest expense	$2,511,000	4,769
Salaries and employee benefits	$1,394,000	4,522
Premises and equipment expense	$560,000	3,360
Additional noninterest expense	$557,000	6,076
Pre-tax net operating income	$1,531,000	4,418
Securities gains (losses)	$0	3,944
Applicable income taxes	$621,000	3,566
Income before extraordinary items	$910,000	5,011
Extraordinary gains, net	$0	44
Net income	$910,000	5,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,879
Cash dividends	$388,000	4,050
Sale, conversion, retirement of capital stock, net	$1,570,000	399
Net operating income	$910,000	4,955
1996-12-31 (YTD Data)		Rank
Total interest income	$5,696,000	5,376
Total interest expense	$2,803,000	5,069
Net interest income	$2,893,000	5,590
Provision for loan and lease losses	$152,000	4,030
Total noninterest income	$252,000	7,547
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,076
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	7,742
Total noninterest expense	$1,952,000	6,034
Salaries and employee benefits	$992,000	6,024
Premises and equipment expense	$409,000	4,456
Additional noninterest expense	$551,000	6,674
Pre-tax net operating income	$1,041,000	5,594
Securities gains (losses)	$0	4,148
Applicable income taxes	$344,000	5,396
Income before extraordinary items	$697,000	5,774
Extraordinary gains, net	$0	53
Net income	$697,000	5,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,243
Cash dividends	$406,000	3,836
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$697,000	5,713
1995-12-31 (YTD Data)		Rank
Total interest income	$4,308,000	6,678
Total interest expense	$2,218,000	6,051
Net interest income	$2,090,000	7,103
Provision for loan and lease losses	$120,000	4,090
Total noninterest income	$249,000	7,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	7,273
Total noninterest expense	$1,440,000	7,462
Salaries and employee benefits	$689,000	7,789
Premises and equipment expense	$300,000	5,625
Additional noninterest expense	$451,000	7,696
Pre-tax net operating income	$779,000	6,922
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$285,000	6,195
Income before extraordinary items	$498,000	7,271
Extraordinary gains, net	$0	65
Net income	$498,000	7,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$182,000	5,706
Sale, conversion, retirement of capital stock, net	$110,000	549
Net operating income	$495,440	7,259
1994-12-31 (YTD Data)		Rank
Total interest income	$2,908,000	8,211
Total interest expense	$1,398,000	7,211
Net interest income	$1,510,000	8,859
Provision for loan and lease losses	$146,000	3,670
Total noninterest income	$208,000	8,599
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	7,945
Total noninterest expense	$1,166,000	8,739
Salaries and employee benefits	$453,000	9,805
Premises and equipment expense	$307,000	5,617
Additional noninterest expense	$406,000	8,774
Pre-tax net operating income	$406,000	9,318
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$107,000	9,194
Income before extraordinary items	$300,000	9,150
Extraordinary gains, net	$0	249
Net income	$300,000	9,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$240,000	5,038
Sale, conversion, retirement of capital stock, net	$1,390,000	366
Net operating income	$299,260	9,219
1993-12-31 (YTD Data)		Rank
Total interest income	$1,833,000	10,529
Total interest expense	$887,000	9,606
Net interest income	$946,000	10,972
Provision for loan and lease losses	$54,000	7,292
Total noninterest income	$190,000	9,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	9,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	7,354
Total noninterest expense	$864,000	10,376
Salaries and employee benefits	$333,000	11,329
Premises and equipment expense	$221,000	7,269
Additional noninterest expense	$310,000	10,318
Pre-tax net operating income	$218,000	10,885
Securities gains (losses)	$78,000	2,824
Applicable income taxes	$67,000	10,544
Income before extraordinary items	$229,000	10,283
Extraordinary gains, net	$0	3,149
Net income	$229,000	10,408
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$160,000	5,928
Sale, conversion, retirement of capital stock, net	$100,000	885
Net operating income	$168,940	10,796
1992-12-31 (YTD Data)		Rank
Total interest income	$1,445,000	12,090
Total interest expense	$697,000	11,834
Net interest income	$748,000	12,123
Provision for loan and lease losses	$10,000	11,168
Total noninterest income	$125,000	11,046
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	9,997
Trading account gains and fees	NA	NA
Additional Noninterest Income	$67,000	9,442
Total noninterest expense	$690,000	11,566
Salaries and employee benefits	$309,000	11,906
Premises and equipment expense	$142,000	9,348
Additional noninterest expense	$239,000	11,688
Pre-tax net operating income	$173,000	11,312
Securities gains (losses)	$33,000	4,829
Applicable income taxes	$43,000	11,451
Income before extraordinary items	$163,000	11,094
Extraordinary gains, net	$0	1,422
Net income	$163,000	11,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$69,000	7,264
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$136,930	11,132

* 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.