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Exchange State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,980,000	8,233
Total interest expense	$1,112,000	7,792
Net interest income	$868,000	8,544
Provision for loan and lease losses	$24,000	7,420
Total noninterest income	$84,000	8,728
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$63,000	7,334
Trading account gains and fees	$0	177
Additional Noninterest Income	$21,000	8,695
Total noninterest expense	$708,000	8,667
Salaries and employee benefits	$513,000	8,110
Premises and equipment expense	$62,000	8,940
Additional noninterest expense	$133,000	9,177
Pre-tax net operating income	$220,000	7,792
Securities gains (losses)	$50,000	2,347
Applicable income taxes	$15,000	7,441
Income before extraordinary items	$255,000	7,403
Extraordinary gains, net	$0	105
Net income	$255,000	7,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,947
Cash dividends	$375,000	4,005
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$208,000	7,552
2000-12-31 (YTD Data)		Rank
Total interest income	$2,088,000	8,313
Total interest expense	$1,127,000	7,958
Net interest income	$961,000	8,566
Provision for loan and lease losses	$24,000	7,446
Total noninterest income	$64,000	9,127
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	7,470
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,569
Total noninterest expense	$575,000	9,176
Salaries and employee benefits	$387,000	8,812
Premises and equipment expense	$50,000	9,363
Additional noninterest expense	$138,000	9,342
Pre-tax net operating income	$426,000	7,333
Securities gains (losses)	$0	1,956
Applicable income taxes	$39,000	7,426
Income before extraordinary items	$387,000	6,936
Extraordinary gains, net	$0	38
Net income	$387,000	6,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,044
Cash dividends	$390,000	4,022
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$387,000	6,937
1999-12-31 (YTD Data)		Rank
Total interest income	$2,027,000	8,468
Total interest expense	$1,052,000	8,045
Net interest income	$975,000	8,686
Provision for loan and lease losses	$74,000	5,823
Total noninterest income	$64,000	9,390
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	7,665
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,868
Total noninterest expense	$573,000	9,405
Salaries and employee benefits	$388,000	8,952
Premises and equipment expense	$72,000	9,182
Additional noninterest expense	$113,000	9,827
Pre-tax net operating income	$392,000	7,634
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$15,000	8,345
Income before extraordinary items	$382,000	7,082
Extraordinary gains, net	$0	35
Net income	$382,000	7,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,050
Cash dividends	$130,000	5,805
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$377,200	7,086
1998-12-31 (YTD Data)		Rank
Total interest income	$1,988,000	8,706
Total interest expense	$1,084,000	8,192
Net interest income	$904,000	9,013
Provision for loan and lease losses	$66,000	5,965
Total noninterest income	$73,000	9,464
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	10,010
Total noninterest expense	$589,000	9,478
Salaries and employee benefits	$373,000	9,138
Premises and equipment expense	$70,000	9,364
Additional noninterest expense	$146,000	9,694
Pre-tax net operating income	$322,000	8,271
Securities gains (losses)	$-5,000	10,072
Applicable income taxes	$51,000	8,309
Income before extraordinary items	$266,000	8,137
Extraordinary gains, net	$0	32
Net income	$266,000	8,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,269
Cash dividends	$190,000	5,469
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$270,200	8,034
1997-12-31 (YTD Data)		Rank
Total interest income	$2,012,000	8,998
Total interest expense	$1,012,000	8,655
Net interest income	$1,000,000	9,186
Provision for loan and lease losses	$0	8,829
Total noninterest income	$85,000	9,672
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	8,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,798
Total noninterest expense	$604,000	9,732
Salaries and employee benefits	$395,000	9,292
Premises and equipment expense	$72,000	9,646
Additional noninterest expense	$137,000	10,153
Pre-tax net operating income	$481,000	8,026
Securities gains (losses)	$-4,000	9,548
Applicable income taxes	$159,000	7,472
Income before extraordinary items	$318,000	8,241
Extraordinary gains, net	$0	44
Net income	$318,000	8,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	10,298
Cash dividends	$657,000	2,897
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$320,680	8,179
1996-12-31 (YTD Data)		Rank
Total interest income	$2,046,000	9,316
Total interest expense	$1,082,000	8,753
Net interest income	$964,000	9,656
Provision for loan and lease losses	$0	9,041
Total noninterest income	$89,000	10,100
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	8,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,117
Total noninterest expense	$568,000	10,321
Salaries and employee benefits	$373,000	9,793
Premises and equipment expense	$76,000	9,922
Additional noninterest expense	$119,000	10,907
Pre-tax net operating income	$485,000	8,026
Securities gains (losses)	$0	4,148
Applicable income taxes	$154,000	7,820
Income before extraordinary items	$331,000	8,152
Extraordinary gains, net	$0	53
Net income	$331,000	8,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-44,000	10,993
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$331,000	8,095
1995-12-31 (YTD Data)		Rank
Total interest income	$2,008,000	9,710
Total interest expense	$1,040,000	9,118
Net interest income	$968,000	10,031
Provision for loan and lease losses	$0	8,958
Total noninterest income	$80,000	10,736
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	9,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	8,981
Total noninterest expense	$580,000	10,662
Salaries and employee benefits	$336,000	10,435
Premises and equipment expense	$81,000	10,165
Additional noninterest expense	$163,000	10,901
Pre-tax net operating income	$468,000	8,628
Securities gains (losses)	$-2,000	9,253
Applicable income taxes	$168,000	7,963
Income before extraordinary items	$298,000	8,966
Extraordinary gains, net	$0	65
Net income	$298,000	8,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	10,757
Cash dividends	$225,000	5,195
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$299,280	8,919
1994-12-31 (YTD Data)		Rank
Total interest income	$1,817,000	10,131
Total interest expense	$801,000	9,602
Net interest income	$1,016,000	10,334
Provision for loan and lease losses	$36,000	6,762
Total noninterest income	$100,000	10,747
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,401
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	8,528
Total noninterest expense	$599,000	11,130
Salaries and employee benefits	$332,000	10,921
Premises and equipment expense	$82,000	10,584
Additional noninterest expense	$185,000	11,337
Pre-tax net operating income	$481,000	8,785
Securities gains (losses)	$7,000	2,440
Applicable income taxes	$181,000	7,689
Income before extraordinary items	$307,000	9,072
Extraordinary gains, net	$0	249
Net income	$307,000	9,076
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	5,198
Cash dividends	$310,000	4,358
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$302,520	9,193
1993-12-31 (YTD Data)		Rank
Total interest income	$1,859,000	10,476
Total interest expense	$840,000	9,838
Net interest income	$1,019,000	10,717
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$104,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	10,907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	8,622
Total noninterest expense	$564,000	11,828
Salaries and employee benefits	$326,000	11,393
Premises and equipment expense	$44,000	12,403
Additional noninterest expense	$194,000	11,817
Pre-tax net operating income	$509,000	8,607
Securities gains (losses)	$4,000	6,316
Applicable income taxes	$201,000	7,594
Income before extraordinary items	$312,000	9,341
Extraordinary gains, net	$0	3,149
Net income	$312,000	9,510
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	7,224
Cash dividends	$300,000	4,359
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$309,440	9,112
1992-12-31 (YTD Data)		Rank
Total interest income	$2,150,000	10,590
Total interest expense	$1,059,000	10,142
Net interest income	$1,091,000	10,726
Provision for loan and lease losses	$370,000	3,627
Total noninterest income	$111,000	11,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	11,256
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	8,558
Total noninterest expense	$586,000	12,148
Salaries and employee benefits	$312,000	11,880
Premises and equipment expense	$47,000	12,796
Additional noninterest expense	$227,000	11,859
Pre-tax net operating income	$246,000	10,643
Securities gains (losses)	$89,000	3,202
Applicable income taxes	$120,000	9,356
Income before extraordinary items	$215,000	10,395
Extraordinary gains, net	$0	1,422
Net income	$215,000	10,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$327,000	3,175
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$158,040	10,815

* 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.