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First Volunteer Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$4,099,000	6,398
Total interest expense	$2,050,000	6,105
Net interest income	$2,049,000	6,579
Provision for loan and lease losses	$268,000	2,883
Total noninterest income	$235,000	7,157
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$197,000	5,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,617
Total noninterest expense	$1,597,000	6,434
Salaries and employee benefits	$858,000	6,425
Premises and equipment expense	$224,000	6,354
Additional noninterest expense	$515,000	6,333
Pre-tax net operating income	$419,000	7,764
Securities gains (losses)	$19,000	2,467
Applicable income taxes	$147,000	6,882
Income before extraordinary items	$291,000	7,958
Extraordinary gains, net	$0	32
Net income	$291,000	7,957
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$226,000	2,262
Cash dividends	$112,000	6,152
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$278,460	7,980
1997-12-31 (YTD Data)		Rank
Total interest income	$4,081,000	6,587
Total interest expense	$1,909,000	6,453
Net interest income	$2,172,000	6,579
Provision for loan and lease losses	$246,000	2,979
Total noninterest income	$259,000	7,109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$217,000	5,083
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	8,774
Total noninterest expense	$1,401,000	7,030
Salaries and employee benefits	$690,000	7,373
Premises and equipment expense	$236,000	6,266
Additional noninterest expense	$475,000	6,717
Pre-tax net operating income	$784,000	6,609
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$278,000	5,939
Income before extraordinary items	$507,000	6,921
Extraordinary gains, net	$0	44
Net income	$507,000	6,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$214,000	2,440
Cash dividends	$120,000	6,224
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$506,350	6,869
1996-12-31 (YTD Data)		Rank
Total interest income	$3,808,000	7,044
Total interest expense	$1,827,000	6,785
Net interest income	$1,981,000	7,186
Provision for loan and lease losses	$140,000	4,234
Total noninterest income	$276,000	7,245
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$216,000	5,293
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	8,463
Total noninterest expense	$1,293,000	7,680
Salaries and employee benefits	$601,000	8,117
Premises and equipment expense	$253,000	6,211
Additional noninterest expense	$439,000	7,557
Pre-tax net operating income	$824,000	6,405
Securities gains (losses)	$9,000	2,573
Applicable income taxes	$288,000	5,966
Income before extraordinary items	$545,000	6,591
Extraordinary gains, net	$0	53
Net income	$545,000	6,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,304
Cash dividends	$287,000	4,668
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$539,150	6,567
1995-12-31 (YTD Data)		Rank
Total interest income	$3,304,000	7,801
Total interest expense	$1,781,000	6,944
Net interest income	$1,523,000	8,470
Provision for loan and lease losses	$40,000	6,618
Total noninterest income	$304,000	7,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	5,888
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	6,773
Total noninterest expense	$1,303,000	7,852
Salaries and employee benefits	$591,000	8,419
Premises and equipment expense	$256,000	6,253
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$484,000	8,523
Securities gains (losses)	$9,000	2,462
Applicable income taxes	$175,000	7,838
Income before extraordinary items	$318,000	8,759
Extraordinary gains, net	$0	65
Net income	$318,000	8,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,712
Cash dividends	$106,000	6,668
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$312,150	8,770
1994-12-31 (YTD Data)		Rank
Total interest income	$2,634,000	8,673
Total interest expense	$1,206,000	7,877
Net interest income	$1,428,000	9,077
Provision for loan and lease losses	$87,000	4,874
Total noninterest income	$238,000	8,112
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	6,386
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,873
Total noninterest expense	$1,239,000	8,469
Salaries and employee benefits	$549,000	8,966
Premises and equipment expense	$248,000	6,554
Additional noninterest expense	$442,000	8,396
Pre-tax net operating income	$340,000	9,817
Securities gains (losses)	$-48,000	10,996
Applicable income taxes	$92,000	9,543
Income before extraordinary items	$200,000	10,275
Extraordinary gains, net	$0	249
Net income	$200,000	10,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,425
Cash dividends	$103,000	6,801
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$232,640	9,967
1993-12-31 (YTD Data)		Rank
Total interest income	$2,347,000	9,475
Total interest expense	$900,000	9,554
Net interest income	$1,447,000	9,283
Provision for loan and lease losses	$48,000	7,582
Total noninterest income	$242,000	8,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	6,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	8,582
Total noninterest expense	$1,126,000	9,219
Salaries and employee benefits	$519,000	9,467
Premises and equipment expense	$231,000	7,075
Additional noninterest expense	$376,000	9,528
Pre-tax net operating income	$515,000	8,564
Securities gains (losses)	$15,000	5,022
Applicable income taxes	$159,000	8,437
Income before extraordinary items	$371,000	8,733
Extraordinary gains, net	$0	3,149
Net income	$371,000	8,889
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	5,529
Cash dividends	$132,000	6,351
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$360,500	8,564
1992-12-31 (YTD Data)		Rank
Total interest income	$2,573,000	9,771
Total interest expense	$1,191,000	9,636
Net interest income	$1,382,000	9,690
Provision for loan and lease losses	$139,000	6,334
Total noninterest income	$301,000	7,723
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$165,000	6,724
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	6,990
Total noninterest expense	$1,141,000	9,321
Salaries and employee benefits	$507,000	9,719
Premises and equipment expense	$215,000	7,514
Additional noninterest expense	$419,000	9,344
Pre-tax net operating income	$403,000	9,222
Securities gains (losses)	$84,000	3,291
Applicable income taxes	$104,000	9,806
Income before extraordinary items	$383,000	8,385
Extraordinary gains, net	$0	1,422
Net income	$383,000	8,508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	5,459
Cash dividends	$40,000	7,952
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$316,640	8,716

* 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.