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Excel Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 8,101 |
| Total interest expense | $1,728,000 | 7,015 |
| Net interest income | $1,192,000 | 9,044 |
| Provision for loan and lease losses | $86,000 | 5,456 |
| Total noninterest income | $2,480,000 | 1,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,480,000 | 1,005 |
| Total noninterest expense | $3,496,000 | 3,775 |
| Salaries and employee benefits | $2,045,000 | 3,271 |
| Premises and equipment expense | $588,000 | 3,270 |
| Additional noninterest expense | $863,000 | 4,906 |
| Pre-tax net operating income | $90,000 | 10,423 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $9,000 | 10,382 |
| Income before extraordinary items | $81,000 | 10,385 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $81,000 | 10,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $81,000 | 10,341 |
* 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.