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Family Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$17,475,000	1,937
Total interest expense	$5,816,000	2,618
Net interest income	$11,659,000	1,529
Provision for loan and lease losses	$0	9,041
Total noninterest income	$2,320,000	1,633
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,875,000	709
Trading account gains and fees	$0	262
Additional Noninterest Income	$445,000	3,167
Total noninterest expense	$7,406,000	1,908
Salaries and employee benefits	$3,866,000	1,711
Premises and equipment expense	$1,164,000	1,734
Additional noninterest expense	$2,376,000	2,099
Pre-tax net operating income	$6,573,000	1,126
Securities gains (losses)	$-12,000	10,370
Applicable income taxes	$2,177,000	1,139
Income before extraordinary items	$4,384,000	1,162
Extraordinary gains, net	$0	53
Net income	$4,384,000	1,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-89,000	11,192
Cash dividends	$2,063,000	1,247
Sale, conversion, retirement of capital stock, net	$269,000	541
Net operating income	$4,392,040	1,141
1995-12-31 (YTD Data)		Rank
Total interest income	$15,574,000	2,169
Total interest expense	$5,047,000	3,002
Net interest income	$10,527,000	1,697
Provision for loan and lease losses	$95,000	4,744
Total noninterest income	$1,988,000	1,837
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,624,000	802
Trading account gains and fees	$0	522
Additional Noninterest Income	$364,000	3,514
Total noninterest expense	$6,862,000	2,017
Salaries and employee benefits	$3,747,000	1,768
Premises and equipment expense	$1,071,000	1,898
Additional noninterest expense	$2,044,000	2,358
Pre-tax net operating income	$5,558,000	1,375
Securities gains (losses)	$-17,000	10,458
Applicable income taxes	$1,813,000	1,387
Income before extraordinary items	$3,728,000	1,389
Extraordinary gains, net	$0	65
Net income	$3,728,000	1,387
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	3,084
Cash dividends	$1,455,000	1,551
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,739,390	1,366
1994-12-31 (YTD Data)		Rank
Total interest income	$12,093,000	2,506
Total interest expense	$3,199,000	3,735
Net interest income	$8,894,000	2,033
Provision for loan and lease losses	$-37,000	11,935
Total noninterest income	$1,664,000	2,111
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,406,000	937
Trading account gains and fees	$0	475
Additional Noninterest Income	$258,000	4,494
Total noninterest expense	$6,248,000	2,260
Salaries and employee benefits	$3,166,000	2,088
Premises and equipment expense	$804,000	2,516
Additional noninterest expense	$2,278,000	2,308
Pre-tax net operating income	$4,347,000	1,653
Securities gains (losses)	$-12,000	9,966
Applicable income taxes	$1,459,000	1,598
Income before extraordinary items	$2,876,000	1,702
Extraordinary gains, net	$0	249
Net income	$2,876,000	1,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-102,000	12,237
Cash dividends	$531,000	3,053
Sale, conversion, retirement of capital stock, net	$-2,000	12,436
Net operating income	$2,883,920	1,704
1993-12-31 (YTD Data)		Rank
Total interest income	$10,506,000	2,955
Total interest expense	$2,521,000	4,776
Net interest income	$7,985,000	2,253
Provision for loan and lease losses	$241,000	3,462
Total noninterest income	$1,588,000	2,333
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,343,000	983
Trading account gains and fees	$0	532
Additional Noninterest Income	$245,000	5,063
Total noninterest expense	$5,095,000	2,806
Salaries and employee benefits	$2,581,000	2,565
Premises and equipment expense	$647,000	3,098
Additional noninterest expense	$1,867,000	2,895
Pre-tax net operating income	$4,237,000	1,635
Securities gains (losses)	$246,000	1,469
Applicable income taxes	$1,237,000	1,873
Income before extraordinary items	$3,246,000	1,570
Extraordinary gains, net	$0	3,149
Net income	$3,246,000	1,620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	5,035
Cash dividends	$529,000	2,938
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,068,880	1,563
1992-12-31 (YTD Data)		Rank
Total interest income	$9,567,000	3,646
Total interest expense	$3,011,000	5,144
Net interest income	$6,556,000	2,794
Provision for loan and lease losses	$532,000	2,870
Total noninterest income	$1,399,000	2,524
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,183,000	1,116
Trading account gains and fees	$0	504
Additional Noninterest Income	$216,000	5,417
Total noninterest expense	$4,753,000	3,007
Salaries and employee benefits	$2,299,000	2,829
Premises and equipment expense	$687,000	2,969
Additional noninterest expense	$1,767,000	3,108
Pre-tax net operating income	$2,670,000	2,311
Securities gains (losses)	$92,000	3,137
Applicable income taxes	$651,000	3,202
Income before extraordinary items	$2,111,000	2,173
Extraordinary gains, net	$0	1,422
Net income	$2,111,000	2,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$356,000	3,027
Cash dividends	$159,000	5,642
Sale, conversion, retirement of capital stock, net	$189,000	744
Net operating income	$2,041,080	2,064

* 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.