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Legacy Bank TC, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$2,215,000	8,232
Total interest expense	$921,000	8,387
Net interest income	$1,294,000	7,998
Provision for loan and lease losses	$0	8,503
Total noninterest income	$722,000	3,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$472,000	2,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	4,438
Total noninterest expense	$1,772,000	6,129
Salaries and employee benefits	$712,000	7,176
Premises and equipment expense	$408,000	4,461
Additional noninterest expense	$652,000	5,517
Pre-tax net operating income	$244,000	8,366
Securities gains (losses)	$0	3,155
Applicable income taxes	$3,000	8,654
Income before extraordinary items	$241,000	7,996
Extraordinary gains, net	$0	35
Net income	$241,000	7,994
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,495
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$241,000	7,970
1998-12-31 (YTD Data)		Rank
Total interest income	$1,994,000	8,692
Total interest expense	$908,000	8,666
Net interest income	$1,086,000	8,595
Provision for loan and lease losses	$46,000	6,765
Total noninterest income	$597,000	4,403
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$473,000	2,686
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	6,121
Total noninterest expense	$1,562,000	6,518
Salaries and employee benefits	$632,000	7,579
Premises and equipment expense	$327,000	5,108
Additional noninterest expense	$603,000	5,740
Pre-tax net operating income	$75,000	9,525
Securities gains (losses)	$0	4,449
Applicable income taxes	$4,000	9,224
Income before extraordinary items	$71,000	9,511
Extraordinary gains, net	$0	32
Net income	$71,000	9,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,737
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$71,000	9,448
1997-12-31 (YTD Data)		Rank
Total interest income	$1,694,000	9,432
Total interest expense	$740,000	9,438
Net interest income	$954,000	9,296
Provision for loan and lease losses	$48,000	6,747
Total noninterest income	$444,000	5,377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$408,000	3,167
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	9,049
Total noninterest expense	$1,208,000	7,647
Salaries and employee benefits	$520,000	8,459
Premises and equipment expense	$336,000	5,059
Additional noninterest expense	$352,000	7,791
Pre-tax net operating income	$142,000	9,892
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$15,000	9,816
Income before extraordinary items	$131,000	9,763
Extraordinary gains, net	$0	44
Net income	$131,000	9,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,076
Cash dividends	$120,000	6,224
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$127,400	9,737
1996-12-31 (YTD Data)		Rank
Total interest income	$1,492,000	10,125
Total interest expense	$578,000	10,343
Net interest income	$914,000	9,799
Provision for loan and lease losses	$36,000	7,135
Total noninterest income	$344,000	6,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$316,000	4,069
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$948,000	8,886
Salaries and employee benefits	$451,000	9,249
Premises and equipment expense	$166,000	7,709
Additional noninterest expense	$331,000	8,563
Pre-tax net operating income	$274,000	9,298
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$114,000	8,499
Income before extraordinary items	$161,000	9,681
Extraordinary gains, net	$0	53
Net income	$161,000	9,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	6,017
Cash dividends	$235,000	5,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$160,360	9,628
1995-12-31 (YTD Data)		Rank
Total interest income	$1,450,000	10,614
Total interest expense	$555,000	10,832
Net interest income	$895,000	10,261
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$349,000	6,495
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$326,000	4,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,706
Total noninterest expense	$784,000	9,839
Salaries and employee benefits	$410,000	9,868
Premises and equipment expense	$108,000	9,386
Additional noninterest expense	$266,000	9,649
Pre-tax net operating income	$430,000	8,871
Securities gains (losses)	$-52,000	11,200
Applicable income taxes	$142,000	8,417
Income before extraordinary items	$236,000	9,546
Extraordinary gains, net	$0	65
Net income	$236,000	9,551
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$45,000	7,893
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$269,280	9,209
1994-12-31 (YTD Data)		Rank
Total interest income	$1,259,000	11,223
Total interest expense	$455,000	11,304
Net interest income	$804,000	11,048
Provision for loan and lease losses	$34,000	6,932
Total noninterest income	$293,000	7,340
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$275,000	4,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,564
Total noninterest expense	$777,000	10,346
Salaries and employee benefits	$372,000	10,529
Premises and equipment expense	$172,000	8,034
Additional noninterest expense	$233,000	10,727
Pre-tax net operating income	$286,000	10,231
Securities gains (losses)	$-17,000	10,215
Applicable income taxes	$80,000	9,807
Income before extraordinary items	$189,000	10,412
Extraordinary gains, net	$0	249
Net income	$189,000	10,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,674
Cash dividends	$95,000	7,051
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$200,900	10,325
1993-12-31 (YTD Data)		Rank
Total interest income	$714,000	12,787
Total interest expense	$232,000	12,891
Net interest income	$482,000	12,599
Provision for loan and lease losses	$63,000	6,860
Total noninterest income	$178,000	9,642
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	6,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,761
Total noninterest expense	$507,000	12,135
Salaries and employee benefits	$214,000	12,503
Premises and equipment expense	$137,000	9,260
Additional noninterest expense	$156,000	12,331
Pre-tax net operating income	$90,000	11,926
Securities gains (losses)	$0	7,477
Applicable income taxes	$36,000	11,244
Income before extraordinary items	$54,000	12,221
Extraordinary gains, net	$0	3,149
Net income	$54,000	12,248
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	7,153
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$1,390,000	416
Net operating income	$54,000	12,074

* 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.