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Landmark Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,731,000	6,173
Total interest expense	$2,724,000	5,189
Net interest income	$2,007,000	7,126
Provision for loan and lease losses	$361,000	2,247
Total noninterest income	$268,000	7,345
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	7,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$175,000	5,536
Total noninterest expense	$2,655,000	4,773
Salaries and employee benefits	$1,266,000	4,960
Premises and equipment expense	$400,000	4,537
Additional noninterest expense	$989,000	4,446
Pre-tax net operating income	$-741,000	11,300
Securities gains (losses)	$92,000	997
Applicable income taxes	$-145,000	11,224
Income before extraordinary items	$-504,000	11,269
Extraordinary gains, net	$0	53
Net income	$-504,000	11,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	3,696
Cash dividends	$22,000	8,024
Sale, conversion, retirement of capital stock, net	$4,000	909
Net operating income	$-575,760	11,264
1995-12-31 (YTD Data)		Rank
Total interest income	$5,279,000	5,752
Total interest expense	$2,858,000	4,981
Net interest income	$2,421,000	6,443
Provision for loan and lease losses	$205,000	2,949
Total noninterest income	$355,000	6,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$265,000	4,328
Total noninterest expense	$2,493,000	5,007
Salaries and employee benefits	$1,166,000	5,341
Premises and equipment expense	$463,000	4,021
Additional noninterest expense	$864,000	4,930
Pre-tax net operating income	$78,000	11,191
Securities gains (losses)	$0	3,831
Applicable income taxes	$32,000	10,549
Income before extraordinary items	$46,000	11,305
Extraordinary gains, net	$0	65
Net income	$46,000	11,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,374
Cash dividends	$70,000	7,384
Sale, conversion, retirement of capital stock, net	$30,000	687
Net operating income	$46,000	11,270
1994-12-31 (YTD Data)		Rank
Total interest income	$3,804,000	6,941
Total interest expense	$1,392,000	7,232
Net interest income	$2,412,000	6,638
Provision for loan and lease losses	$203,000	2,987
Total noninterest income	$303,000	7,201
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	8,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$217,000	5,013
Total noninterest expense	$2,192,000	5,765
Salaries and employee benefits	$1,057,000	5,819
Premises and equipment expense	$388,000	4,708
Additional noninterest expense	$747,000	6,008
Pre-tax net operating income	$320,000	9,989
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$120,000	8,923
Income before extraordinary items	$201,000	10,263
Extraordinary gains, net	$0	249
Net income	$201,000	10,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$103,000	6,801
Sale, conversion, retirement of capital stock, net	$99,000	816
Net operating income	$200,360	10,326
1993-12-31 (YTD Data)		Rank
Total interest income	$2,857,000	8,568
Total interest expense	$971,000	9,247
Net interest income	$1,886,000	7,991
Provision for loan and lease losses	$145,000	4,744
Total noninterest income	$629,000	4,804
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$558,000	3,022
Total noninterest expense	$1,591,000	7,533
Salaries and employee benefits	$738,000	7,725
Premises and equipment expense	$290,000	6,016
Additional noninterest expense	$563,000	7,659
Pre-tax net operating income	$779,000	6,924
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$265,000	6,565
Income before extraordinary items	$516,000	7,417
Extraordinary gains, net	$306,000	702
Net income	$822,000	5,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	7,578
Cash dividends	$46,000	8,081
Sale, conversion, retirement of capital stock, net	$811,000	515
Net operating income	$514,680	7,194
1992-12-31 (YTD Data)		Rank
Total interest income	$2,129,000	10,640
Total interest expense	$837,000	11,157
Net interest income	$1,292,000	10,000
Provision for loan and lease losses	$71,000	8,232
Total noninterest income	$111,000	11,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$47,000	10,435
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	9,594
Total noninterest expense	$1,148,000	9,287
Salaries and employee benefits	$500,000	9,787
Premises and equipment expense	$265,000	6,528
Additional noninterest expense	$383,000	9,787
Pre-tax net operating income	$184,000	11,223
Securities gains (losses)	$23,000	5,402
Applicable income taxes	$30,000	11,811
Income before extraordinary items	$177,000	10,906
Extraordinary gains, net	$154,000	549
Net income	$331,000	9,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$150,000	768
Net operating income	$157,220	10,827

* 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.