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Hometown Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$4,135,000	6,373
Total interest expense	$1,649,000	6,859
Net interest income	$2,486,000	5,826
Provision for loan and lease losses	$11,000	7,947
Total noninterest income	$227,000	7,005
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$188,000	5,261
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	8,200
Total noninterest expense	$1,734,000	6,201
Salaries and employee benefits	$1,041,000	5,762
Premises and equipment expense	$245,000	6,127
Additional noninterest expense	$448,000	6,789
Pre-tax net operating income	$968,000	5,340
Securities gains (losses)	$0	1,956
Applicable income taxes	$330,000	4,382
Income before extraordinary items	$638,000	5,673
Extraordinary gains, net	$0	38
Net income	$638,000	5,672
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,468
Cash dividends	$141,000	5,592
Sale, conversion, retirement of capital stock, net	$46,000	779
Net operating income	$638,000	5,686
1999-12-31 (YTD Data)		Rank
Total interest income	$3,882,000	6,470
Total interest expense	$1,418,000	7,151
Net interest income	$2,464,000	5,852
Provision for loan and lease losses	$17,000	7,804
Total noninterest income	$228,000	7,165
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$154,000	5,778
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	7,314
Total noninterest expense	$1,833,000	6,015
Salaries and employee benefits	$1,098,000	5,504
Premises and equipment expense	$247,000	6,077
Additional noninterest expense	$488,000	6,596
Pre-tax net operating income	$842,000	5,786
Securities gains (losses)	$0	3,155
Applicable income taxes	$283,000	4,940
Income before extraordinary items	$559,000	6,107
Extraordinary gains, net	$0	35
Net income	$559,000	6,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,508
Cash dividends	$134,000	5,789
Sale, conversion, retirement of capital stock, net	$-11,000	10,058
Net operating income	$559,000	6,082
1998-12-31 (YTD Data)		Rank
Total interest income	$3,764,000	6,695
Total interest expense	$1,389,000	7,444
Net interest income	$2,375,000	6,022
Provision for loan and lease losses	$8,000	8,341
Total noninterest income	$181,000	7,809
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	5,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,387
Total noninterest expense	$1,833,000	5,919
Salaries and employee benefits	$1,009,000	5,760
Premises and equipment expense	$272,000	5,673
Additional noninterest expense	$552,000	6,079
Pre-tax net operating income	$715,000	6,425
Securities gains (losses)	$0	4,449
Applicable income taxes	$253,000	5,623
Income before extraordinary items	$462,000	6,840
Extraordinary gains, net	$0	32
Net income	$462,000	6,838
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$127,000	5,994
Sale, conversion, retirement of capital stock, net	$-342,000	10,381
Net operating income	$462,000	6,736
1997-12-31 (YTD Data)		Rank
Total interest income	$3,889,000	6,759
Total interest expense	$1,384,000	7,621
Net interest income	$2,505,000	6,052
Provision for loan and lease losses	$105,000	5,052
Total noninterest income	$200,000	7,843
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	5,829
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	9,328
Total noninterest expense	$1,786,000	6,098
Salaries and employee benefits	$1,016,000	5,797
Premises and equipment expense	$213,000	6,604
Additional noninterest expense	$557,000	6,076
Pre-tax net operating income	$814,000	6,484
Securities gains (losses)	$0	3,944
Applicable income taxes	$286,000	5,856
Income before extraordinary items	$528,000	6,809
Extraordinary gains, net	$0	44
Net income	$528,000	6,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,092
Cash dividends	$129,000	6,139
Sale, conversion, retirement of capital stock, net	$4,000	1,002
Net operating income	$528,000	6,750
1996-12-31 (YTD Data)		Rank
Total interest income	$3,699,000	7,157
Total interest expense	$1,388,000	7,870
Net interest income	$2,311,000	6,550
Provision for loan and lease losses	$73,000	5,762
Total noninterest income	$199,000	8,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$171,000	6,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$1,874,000	6,230
Salaries and employee benefits	$1,006,000	5,956
Premises and equipment expense	$190,000	7,213
Additional noninterest expense	$678,000	5,867
Pre-tax net operating income	$563,000	7,610
Securities gains (losses)	$0	4,148
Applicable income taxes	$95,000	8,825
Income before extraordinary items	$468,000	7,126
Extraordinary gains, net	$0	53
Net income	$468,000	7,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,856
Cash dividends	$108,000	6,551
Sale, conversion, retirement of capital stock, net	$171,000	598
Net operating income	$468,000	7,067
1995-12-31 (YTD Data)		Rank
Total interest income	$3,630,000	7,390
Total interest expense	$1,313,000	8,240
Net interest income	$2,317,000	6,649
Provision for loan and lease losses	$114,000	4,327
Total noninterest income	$235,000	7,916
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$211,000	5,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,650
Total noninterest expense	$1,959,000	6,081
Salaries and employee benefits	$913,000	6,493
Premises and equipment expense	$201,000	7,169
Additional noninterest expense	$845,000	5,020
Pre-tax net operating income	$479,000	8,560
Securities gains (losses)	$11,000	2,318
Applicable income taxes	$192,000	7,562
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	$163,000	2,854
Cash dividends	$98,000	6,903
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$290,960	9,001
1994-12-31 (YTD Data)		Rank
Total interest income	$3,019,000	8,003
Total interest expense	$1,040,000	8,518
Net interest income	$1,979,000	7,615
Provision for loan and lease losses	$70,000	5,310
Total noninterest income	$214,000	8,501
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$179,000	6,275
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,639,000	7,171
Salaries and employee benefits	$855,000	6,901
Premises and equipment expense	$179,000	7,870
Additional noninterest expense	$605,000	7,006
Pre-tax net operating income	$484,000	8,770
Securities gains (losses)	$-65,000	11,238
Applicable income taxes	$114,000	9,050
Income before extraordinary items	$305,000	9,089
Extraordinary gains, net	$0	249
Net income	$305,000	9,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,525
Cash dividends	$82,000	7,266
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$352,450	8,676
1993-12-31 (YTD Data)		Rank
Total interest income	$2,726,000	8,784
Total interest expense	$1,128,000	8,564
Net interest income	$1,598,000	8,803
Provision for loan and lease losses	$151,000	4,610
Total noninterest income	$195,000	9,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	6,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,679
Total noninterest expense	$1,333,000	8,398
Salaries and employee benefits	$681,000	8,129
Premises and equipment expense	$159,000	8,674
Additional noninterest expense	$493,000	8,289
Pre-tax net operating income	$309,000	10,165
Securities gains (losses)	$0	7,477
Applicable income taxes	$134,000	9,002
Income before extraordinary items	$175,000	10,928
Extraordinary gains, net	$0	3,149
Net income	$175,000	11,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	7,896
Cash dividends	$70,000	7,518
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$175,000	10,727
1992-12-31 (YTD Data)		Rank
Total interest income	$2,787,000	9,354
Total interest expense	$1,359,000	8,994
Net interest income	$1,428,000	9,519
Provision for loan and lease losses	$199,000	5,248
Total noninterest income	$339,000	7,232
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	7,385
Trading account gains and fees	NA	NA
Additional Noninterest Income	$199,000	5,690
Total noninterest expense	$1,404,000	8,279
Salaries and employee benefits	$713,000	7,889
Premises and equipment expense	$140,000	9,399
Additional noninterest expense	$551,000	7,976
Pre-tax net operating income	$164,000	11,387
Securities gains (losses)	$-12,000	13,350
Applicable income taxes	$24,000	11,995
Income before extraordinary items	$128,000	11,574
Extraordinary gains, net	$0	1,422
Net income	$128,000	11,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$217,000	4,024
Cash dividends	$70,000	7,232
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$138,080	11,108

* 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.