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Friendship Community Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,167,000	7,237
Total interest expense	$1,386,000	7,378
Net interest income	$1,781,000	6,958
Provision for loan and lease losses	$36,000	6,984
Total noninterest income	$258,000	6,690
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	6,647
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	5,291
Total noninterest expense	$1,593,000	6,504
Salaries and employee benefits	$704,000	7,187
Premises and equipment expense	$344,000	4,991
Additional noninterest expense	$545,000	6,103
Pre-tax net operating income	$410,000	7,418
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$156,000	5,851
Income before extraordinary items	$250,000	7,776
Extraordinary gains, net	$0	38
Net income	$250,000	7,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,683
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$45,000	784
Net operating income	$252,560	7,767
1999-12-31 (YTD Data)		Rank
Total interest income	$2,657,000	7,739
Total interest expense	$1,104,000	7,894
Net interest income	$1,553,000	7,485
Provision for loan and lease losses	$9,000	8,193
Total noninterest income	$229,000	7,154
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	7,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	5,442
Total noninterest expense	$1,458,000	6,886
Salaries and employee benefits	$718,000	7,140
Premises and equipment expense	$264,000	5,875
Additional noninterest expense	$476,000	6,697
Pre-tax net operating income	$315,000	8,010
Securities gains (losses)	$0	3,155
Applicable income taxes	$104,000	6,870
Income before extraordinary items	$211,000	8,215
Extraordinary gains, net	$0	35
Net income	$211,000	8,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$211,000	8,191
1998-12-31 (YTD Data)		Rank
Total interest income	$2,284,000	8,332
Total interest expense	$883,000	8,731
Net interest income	$1,401,000	7,903
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$137,000	8,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	8,653
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,324
Total noninterest expense	$992,000	8,138
Salaries and employee benefits	$484,000	8,454
Premises and equipment expense	$164,000	7,353
Additional noninterest expense	$344,000	7,714
Pre-tax net operating income	$534,000	7,207
Securities gains (losses)	$-4,000	10,023
Applicable income taxes	$198,000	6,217
Income before extraordinary items	$332,000	7,638
Extraordinary gains, net	$0	32
Net income	$332,000	7,637
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$334,560	7,538
1997-12-31 (YTD Data)		Rank
Total interest income	$2,085,000	8,901
Total interest expense	$737,000	9,447
Net interest income	$1,348,000	8,362
Provision for loan and lease losses	$43,000	6,927
Total noninterest income	$79,000	9,779
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,106
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	8,093
Total noninterest expense	$833,000	8,916
Salaries and employee benefits	$399,000	9,262
Premises and equipment expense	$150,000	7,796
Additional noninterest expense	$284,000	8,489
Pre-tax net operating income	$551,000	7,667
Securities gains (losses)	$8,000	2,485
Applicable income taxes	$217,000	6,654
Income before extraordinary items	$342,000	8,060
Extraordinary gains, net	$0	44
Net income	$342,000	8,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$203,000	5,328
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$336,880	8,056
1996-12-31 (YTD Data)		Rank
Total interest income	$1,846,000	9,590
Total interest expense	$614,000	10,235
Net interest income	$1,232,000	8,957
Provision for loan and lease losses	$4,000	8,888
Total noninterest income	$104,000	9,819
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	9,517
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	7,707
Total noninterest expense	$824,000	9,346
Salaries and employee benefits	$385,000	9,714
Premises and equipment expense	$150,000	8,057
Additional noninterest expense	$289,000	8,993
Pre-tax net operating income	$508,000	7,891
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$189,000	7,300
Income before extraordinary items	$318,000	8,276
Extraordinary gains, net	$0	53
Net income	$318,000	8,274
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	$318,640	8,203
1995-12-31 (YTD Data)		Rank
Total interest income	$1,715,000	10,154
Total interest expense	$577,000	10,758
Net interest income	$1,138,000	9,519
Provision for loan and lease losses	$26,000	7,298
Total noninterest income	$63,000	11,107
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	9,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,029
Total noninterest expense	$822,000	9,676
Salaries and employee benefits	$367,000	10,198
Premises and equipment expense	$139,000	8,553
Additional noninterest expense	$316,000	9,085
Pre-tax net operating income	$353,000	9,368
Securities gains (losses)	$-32,000	10,879
Applicable income taxes	$19,000	10,770
Income before extraordinary items	$302,000	8,921
Extraordinary gains, net	$0	65
Net income	$302,000	8,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$332,080	8,607
1994-12-31 (YTD Data)		Rank
Total interest income	$1,434,000	10,864
Total interest expense	$422,000	11,475
Net interest income	$1,012,000	10,349
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$56,000	11,803
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	$29,000	10,859
Total noninterest expense	$770,000	10,378
Salaries and employee benefits	$314,000	11,073
Premises and equipment expense	$135,000	8,947
Additional noninterest expense	$321,000	9,709
Pre-tax net operating income	$278,000	10,295
Securities gains (losses)	$8,000	2,362
Applicable income taxes	$0	11,630
Income before extraordinary items	$286,000	9,293
Extraordinary gains, net	$0	249
Net income	$286,000	9,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$278,000	9,453
1993-12-31 (YTD Data)		Rank
Total interest income	$1,313,000	11,655
Total interest expense	$414,000	12,159
Net interest income	$899,000	11,164
Provision for loan and lease losses	$85,000	6,189
Total noninterest income	$96,000	11,420
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	9,126
Total noninterest expense	$739,000	10,969
Salaries and employee benefits	$252,000	12,167
Premises and equipment expense	$158,000	8,699
Additional noninterest expense	$329,000	10,090
Pre-tax net operating income	$171,000	11,309
Securities gains (losses)	$75,000	2,875
Applicable income taxes	$0	12,141
Income before extraordinary items	$246,000	10,090
Extraordinary gains, net	$0	3,149
Net income	$246,000	10,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	5,334
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$171,000	10,766
1992-12-31 (YTD Data)		Rank
Total interest income	$1,222,000	12,551
Total interest expense	$456,000	12,941
Net interest income	$766,000	12,046
Provision for loan and lease losses	$51,000	8,987
Total noninterest income	$43,000	13,263
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	11,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	12,236
Total noninterest expense	$756,000	11,225
Salaries and employee benefits	$216,000	12,982
Premises and equipment expense	$195,000	7,943
Additional noninterest expense	$345,000	10,262
Pre-tax net operating income	$2,000	12,683
Securities gains (losses)	$111,000	2,842
Applicable income taxes	$29,000	11,842
Income before extraordinary items	$84,000	12,161
Extraordinary gains, net	$29,000	1,140
Net income	$113,000	11,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	7,201
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,860	12,654

* 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.