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Mansfield Bank and Trust Company, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,168,000	7,782
Total interest expense	$1,260,000	8,210
Net interest income	$1,908,000	7,334
Provision for loan and lease losses	$0	9,041
Total noninterest income	$466,000	5,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$345,000	3,801
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	6,566
Total noninterest expense	$1,808,000	6,364
Salaries and employee benefits	$935,000	6,288
Premises and equipment expense	$331,000	5,217
Additional noninterest expense	$542,000	6,749
Pre-tax net operating income	$566,000	7,589
Securities gains (losses)	$8,000	2,673
Applicable income taxes	$152,000	7,845
Income before extraordinary items	$422,000	7,437
Extraordinary gains, net	$0	53
Net income	$422,000	7,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-67,000	11,124
Cash dividends	$97,000	6,799
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$416,080	7,433
1995-12-31 (YTD Data)		Rank
Total interest income	$3,074,000	8,092
Total interest expense	$1,221,000	8,523
Net interest income	$1,853,000	7,639
Provision for loan and lease losses	$0	8,958
Total noninterest income	$403,000	5,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$321,000	4,053
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	7,878
Total noninterest expense	$1,700,000	6,734
Salaries and employee benefits	$844,000	6,862
Premises and equipment expense	$297,000	5,671
Additional noninterest expense	$559,000	6,784
Pre-tax net operating income	$556,000	8,146
Securities gains (losses)	$15,000	2,090
Applicable income taxes	$201,000	7,387
Income before extraordinary items	$370,000	8,317
Extraordinary gains, net	$0	65
Net income	$370,000	8,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$301,000	4,479
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$360,250	8,370
1994-12-31 (YTD Data)		Rank
Total interest income	$2,887,000	8,253
Total interest expense	$982,000	8,772
Net interest income	$1,905,000	7,789
Provision for loan and lease losses	$0	9,146
Total noninterest income	$469,000	5,521
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$339,000	3,945
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	6,669
Total noninterest expense	$1,718,000	6,934
Salaries and employee benefits	$801,000	7,206
Premises and equipment expense	$322,000	5,409
Additional noninterest expense	$595,000	7,076
Pre-tax net operating income	$656,000	7,669
Securities gains (losses)	$53,000	1,120
Applicable income taxes	$231,000	6,821
Income before extraordinary items	$478,000	7,472
Extraordinary gains, net	$0	249
Net income	$478,000	7,477
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,205
Cash dividends	$141,000	6,243
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$442,490	7,834
1993-12-31 (YTD Data)		Rank
Total interest income	$2,988,000	8,356
Total interest expense	$924,000	9,449
Net interest income	$2,064,000	7,499
Provision for loan and lease losses	$0	10,371
Total noninterest income	$435,000	6,137
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$300,000	4,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	6,905
Total noninterest expense	$1,855,000	6,746
Salaries and employee benefits	$798,000	7,338
Premises and equipment expense	$347,000	5,271
Additional noninterest expense	$710,000	6,490
Pre-tax net operating income	$644,000	7,657
Securities gains (losses)	$115,000	2,304
Applicable income taxes	$282,000	6,308
Income before extraordinary items	$477,000	7,721
Extraordinary gains, net	$203,000	1,003
Net income	$680,000	6,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	12,335
Cash dividends	$280,000	4,592
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$403,400	8,124
1992-12-31 (YTD Data)		Rank
Total interest income	$3,211,000	8,618
Total interest expense	$1,184,000	9,659
Net interest income	$2,027,000	7,673
Provision for loan and lease losses	$0	11,756
Total noninterest income	$468,000	5,905
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$298,000	4,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$170,000	6,222
Total noninterest expense	$1,870,000	6,740
Salaries and employee benefits	$789,000	7,327
Premises and equipment expense	$215,000	7,514
Additional noninterest expense	$866,000	5,697
Pre-tax net operating income	$625,000	7,551
Securities gains (losses)	$82,000	3,330
Applicable income taxes	$240,000	6,828
Income before extraordinary items	$467,000	7,600
Extraordinary gains, net	$240,000	364
Net income	$707,000	5,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	6,983
Cash dividends	$333,000	3,770
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$412,880	7,740

* 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.