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Market Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,779,000	6,665
Total interest expense	$1,991,000	6,290
Net interest income	$1,788,000	6,944
Provision for loan and lease losses	$0	8,337
Total noninterest income	$67,000	9,076
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$67,000	7,272
Total noninterest expense	$1,169,000	7,577
Salaries and employee benefits	$642,000	7,480
Premises and equipment expense	$198,000	6,805
Additional noninterest expense	$329,000	7,724
Pre-tax net operating income	$686,000	6,279
Securities gains (losses)	$0	1,956
Applicable income taxes	$233,000	5,112
Income before extraordinary items	$453,000	6,577
Extraordinary gains, net	$0	38
Net income	$453,000	6,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$500,000	3,528
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$453,000	6,589
1999-12-31 (YTD Data)		Rank
Total interest income	$3,694,000	6,619
Total interest expense	$1,844,000	6,277
Net interest income	$1,850,000	6,912
Provision for loan and lease losses	$0	8,503
Total noninterest income	$57,000	9,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$57,000	7,811
Total noninterest expense	$1,082,000	7,893
Salaries and employee benefits	$608,000	7,719
Premises and equipment expense	$149,000	7,678
Additional noninterest expense	$325,000	7,912
Pre-tax net operating income	$825,000	5,841
Securities gains (losses)	$463,000	355
Applicable income taxes	$438,000	3,924
Income before extraordinary items	$850,000	4,901
Extraordinary gains, net	$0	35
Net income	$850,000	4,901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$2,200,000	1,259
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$544,420	6,172
1998-12-31 (YTD Data)		Rank
Total interest income	$3,795,000	6,665
Total interest expense	$1,878,000	6,398
Net interest income	$1,917,000	6,818
Provision for loan and lease losses	$0	8,652
Total noninterest income	$58,000	9,719
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$58,000	7,880
Total noninterest expense	$1,085,000	7,868
Salaries and employee benefits	$590,000	7,814
Premises and equipment expense	$148,000	7,696
Additional noninterest expense	$347,000	7,696
Pre-tax net operating income	$890,000	5,770
Securities gains (losses)	$0	4,449
Applicable income taxes	$303,000	5,143
Income before extraordinary items	$587,000	6,115
Extraordinary gains, net	$0	32
Net income	$587,000	6,115
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	$587,000	6,010
1997-12-31 (YTD Data)		Rank
Total interest income	$3,689,000	6,960
Total interest expense	$1,859,000	6,546
Net interest income	$1,830,000	7,253
Provision for loan and lease losses	$0	8,829
Total noninterest income	$46,000	10,353
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$46,000	8,605
Total noninterest expense	$1,053,000	8,160
Salaries and employee benefits	$677,000	7,453
Premises and equipment expense	$145,000	7,919
Additional noninterest expense	$231,000	9,065
Pre-tax net operating income	$823,000	6,437
Securities gains (losses)	$0	3,944
Applicable income taxes	$280,000	5,917
Income before extraordinary items	$543,000	6,714
Extraordinary gains, net	$0	44
Net income	$543,000	6,716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$543,000	6,656
1996-12-31 (YTD Data)		Rank
Total interest income	$3,189,000	7,749
Total interest expense	$1,733,000	7,005
Net interest income	$1,456,000	8,373
Provision for loan and lease losses	$2,000	8,964
Total noninterest income	$43,000	10,966
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$43,000	9,213
Total noninterest expense	$1,168,000	8,075
Salaries and employee benefits	$479,000	9,033
Premises and equipment expense	$143,000	8,222
Additional noninterest expense	$546,000	6,715
Pre-tax net operating income	$329,000	8,931
Securities gains (losses)	$0	4,148
Applicable income taxes	$47,000	9,744
Income before extraordinary items	$282,000	8,572
Extraordinary gains, net	$0	53
Net income	$282,000	8,569
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	$282,000	8,508
1995-12-31 (YTD Data)		Rank
Total interest income	$3,208,000	7,918
Total interest expense	$1,693,000	7,155
Net interest income	$1,515,000	8,492
Provision for loan and lease losses	$11,000	8,279
Total noninterest income	$37,000	11,551
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$37,000	9,867
Total noninterest expense	$889,000	9,396
Salaries and employee benefits	$410,000	9,868
Premises and equipment expense	$156,000	8,119
Additional noninterest expense	$323,000	8,998
Pre-tax net operating income	$652,000	7,575
Securities gains (losses)	$0	3,831
Applicable income taxes	$222,000	7,058
Income before extraordinary items	$430,000	7,804
Extraordinary gains, net	$0	65
Net income	$430,000	7,803
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	NA	NA
Net operating income	$430,000	7,777
1994-12-31 (YTD Data)		Rank
Total interest income	$2,411,000	9,074
Total interest expense	$1,230,000	7,787
Net interest income	$1,181,000	9,806
Provision for loan and lease losses	$0	9,146
Total noninterest income	$28,000	12,289
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$28,000	10,920
Total noninterest expense	$622,000	11,023
Salaries and employee benefits	$268,000	11,498
Premises and equipment expense	$93,000	10,249
Additional noninterest expense	$261,000	10,391
Pre-tax net operating income	$587,000	8,071
Securities gains (losses)	$0	3,600
Applicable income taxes	$206,000	7,245
Income before extraordinary items	$381,000	8,346
Extraordinary gains, net	$0	249
Net income	$381,000	8,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$381,000	8,398
1993-12-31 (YTD Data)		Rank
Total interest income	$2,393,000	9,402
Total interest expense	$1,362,000	7,666
Net interest income	$1,031,000	10,670
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$21,000	13,055
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$558,000	11,864
Salaries and employee benefits	$260,000	12,077
Premises and equipment expense	$89,000	10,821
Additional noninterest expense	$209,000	11,604
Pre-tax net operating income	$470,000	8,862
Securities gains (losses)	$0	7,477
Applicable income taxes	$163,000	8,358
Income before extraordinary items	$307,000	9,397
Extraordinary gains, net	$0	3,149
Net income	$307,000	9,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$307,000	9,140
1992-12-31 (YTD Data)		Rank
Total interest income	$2,815,000	9,296
Total interest expense	$1,806,000	7,593
Net interest income	$1,009,000	11,071
Provision for loan and lease losses	$24,000	10,335
Total noninterest income	$45,000	13,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$45,000	10,722
Total noninterest expense	$573,000	12,238
Salaries and employee benefits	$252,000	12,588
Premises and equipment expense	$91,000	11,073
Additional noninterest expense	$230,000	11,810
Pre-tax net operating income	$457,000	8,734
Securities gains (losses)	$0	8,369
Applicable income taxes	$144,000	8,775
Income before extraordinary items	$313,000	9,125
Extraordinary gains, net	$0	1,422
Net income	$313,000	9,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$313,000	8,757

* 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.