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First Heritage National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,261,000	6,621
Total interest expense	$1,935,000	6,557
Net interest income	$2,326,000	6,519
Provision for loan and lease losses	$115,000	4,800
Total noninterest income	$458,000	5,472
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$344,000	3,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,754
Total noninterest expense	$1,925,000	6,101
Salaries and employee benefits	$866,000	6,634
Premises and equipment expense	$268,000	5,987
Additional noninterest expense	$791,000	5,249
Pre-tax net operating income	$744,000	6,734
Securities gains (losses)	$0	4,148
Applicable income taxes	$248,000	6,477
Income before extraordinary items	$496,000	6,929
Extraordinary gains, net	$0	53
Net income	$496,000	6,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,727
Cash dividends	$78,000	7,086
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$496,000	6,864
1995-12-31 (YTD Data)		Rank
Total interest income	$3,636,000	7,385
Total interest expense	$1,622,000	7,354
Net interest income	$2,014,000	7,272
Provision for loan and lease losses	$163,000	3,478
Total noninterest income	$345,000	6,540
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$261,000	4,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	7,808
Total noninterest expense	$1,668,000	6,807
Salaries and employee benefits	$844,000	6,862
Premises and equipment expense	$218,000	6,867
Additional noninterest expense	$606,000	6,495
Pre-tax net operating income	$528,000	8,285
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$232,000	6,930
Income before extraordinary items	$295,000	8,990
Extraordinary gains, net	$0	65
Net income	$295,000	8,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,622
Cash dividends	$498,000	3,401
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$295,640	8,950
1994-12-31 (YTD Data)		Rank
Total interest income	$2,880,000	8,269
Total interest expense	$1,172,000	8,012
Net interest income	$1,708,000	8,276
Provision for loan and lease losses	$102,000	4,499
Total noninterest income	$305,000	7,183
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$251,000	5,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,402
Total noninterest expense	$1,261,000	8,386
Salaries and employee benefits	$577,000	8,778
Premises and equipment expense	$185,000	7,754
Additional noninterest expense	$499,000	7,861
Pre-tax net operating income	$650,000	7,718
Securities gains (losses)	$-27,000	10,567
Applicable income taxes	$206,000	7,245
Income before extraordinary items	$417,000	8,024
Extraordinary gains, net	$0	249
Net income	$417,000	8,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,184
Cash dividends	$249,000	4,988
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$435,090	7,904
1993-12-31 (YTD Data)		Rank
Total interest income	$2,587,000	9,028
Total interest expense	$972,000	9,243
Net interest income	$1,615,000	8,757
Provision for loan and lease losses	$90,000	6,008
Total noninterest income	$333,000	7,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$263,000	4,909
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	9,084
Total noninterest expense	$1,166,000	9,030
Salaries and employee benefits	$593,000	8,859
Premises and equipment expense	$195,000	7,784
Additional noninterest expense	$378,000	9,504
Pre-tax net operating income	$692,000	7,413
Securities gains (losses)	$-9,000	12,743
Applicable income taxes	$247,000	6,851
Income before extraordinary items	$436,000	8,087
Extraordinary gains, net	$0	3,149
Net income	$436,000	8,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$90,000	4,789
Cash dividends	$187,000	5,626
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$441,760	7,777
1992-12-31 (YTD Data)		Rank
Total interest income	$2,732,000	9,472
Total interest expense	$1,165,000	9,729
Net interest income	$1,567,000	9,053
Provision for loan and lease losses	$-39,000	13,578
Total noninterest income	$314,000	7,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$267,000	4,878
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	10,600
Total noninterest expense	$1,140,000	9,324
Salaries and employee benefits	$548,000	9,291
Premises and equipment expense	$205,000	7,717
Additional noninterest expense	$387,000	9,726
Pre-tax net operating income	$780,000	6,661
Securities gains (losses)	$-5,000	13,085
Applicable income taxes	$265,000	6,436
Income before extraordinary items	$510,000	7,238
Extraordinary gains, net	$0	1,422
Net income	$510,000	7,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$249,000	4,524
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$513,300	6,839

* 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.