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MidConn Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$25,051,000	1,364
Total interest expense	$11,560,000	1,404
Net interest income	$13,491,000	1,322
Provision for loan and lease losses	$1,300,000	827
Total noninterest income	$887,000	3,430
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$405,000	3,306
Trading account gains and fees	$0	262
Additional Noninterest Income	$482,000	2,999
Total noninterest expense	$10,155,000	1,414
Salaries and employee benefits	$4,547,000	1,475
Premises and equipment expense	$1,687,000	1,229
Additional noninterest expense	$3,921,000	1,375
Pre-tax net operating income	$2,923,000	2,427
Securities gains (losses)	$0	4,148
Applicable income taxes	$993,000	2,365
Income before extraordinary items	$1,930,000	2,531
Extraordinary gains, net	$0	53
Net income	$1,930,000	2,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,467,000	700
Cash dividends	$1,155,000	1,929
Sale, conversion, retirement of capital stock, net	$533,000	458
Net operating income	$1,930,000	2,485
1995-12-31 (YTD Data)		Rank
Total interest income	$24,442,000	1,404
Total interest expense	$11,158,000	1,457
Net interest income	$13,284,000	1,352
Provision for loan and lease losses	$2,563,000	494
Total noninterest income	$1,771,000	2,028
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$402,000	3,353
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,369,000	1,439
Total noninterest expense	$10,677,000	1,324
Salaries and employee benefits	$4,547,000	1,459
Premises and equipment expense	$1,609,000	1,295
Additional noninterest expense	$4,521,000	1,212
Pre-tax net operating income	$1,815,000	3,816
Securities gains (losses)	$12,000	2,250
Applicable income taxes	$725,000	3,141
Income before extraordinary items	$1,102,000	4,241
Extraordinary gains, net	$0	65
Net income	$1,102,000	4,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,213,000	535
Cash dividends	$1,061,000	1,931
Sale, conversion, retirement of capital stock, net	$191,000	492
Net operating income	$1,094,320	4,257
1994-12-31 (YTD Data)		Rank
Total interest income	$19,390,000	1,596
Total interest expense	$7,777,000	1,622
Net interest income	$11,613,000	1,551
Provision for loan and lease losses	$540,000	1,448
Total noninterest income	$912,000	3,331
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$349,000	3,851
Trading account gains and fees	$0	475
Additional Noninterest Income	$563,000	2,719
Total noninterest expense	$8,425,000	1,731
Salaries and employee benefits	$3,628,000	1,845
Premises and equipment expense	$1,212,000	1,705
Additional noninterest expense	$3,585,000	1,549
Pre-tax net operating income	$3,560,000	2,007
Securities gains (losses)	$19,000	1,821
Applicable income taxes	$1,559,000	1,502
Income before extraordinary items	$2,020,000	2,403
Extraordinary gains, net	$0	249
Net income	$2,020,000	2,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,284,000	750
Cash dividends	$867,000	2,147
Sale, conversion, retirement of capital stock, net	$250,000	658
Net operating income	$2,007,840	2,435
1993-12-31 (YTD Data)		Rank
Total interest income	$14,761,000	2,121
Total interest expense	$6,393,000	2,027
Net interest income	$8,368,000	2,158
Provision for loan and lease losses	$63,000	6,860
Total noninterest income	$873,000	3,721
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$249,000	5,136
Trading account gains and fees	$0	532
Additional Noninterest Income	$624,000	2,805
Total noninterest expense	$6,488,000	2,236
Salaries and employee benefits	$2,825,000	2,356
Premises and equipment expense	$705,000	2,857
Additional noninterest expense	$2,958,000	1,935
Pre-tax net operating income	$2,690,000	2,539
Securities gains (losses)	$24,000	4,420
Applicable income taxes	$1,042,000	2,154
Income before extraordinary items	$1,672,000	2,925
Extraordinary gains, net	$127,000	1,371
Net income	$1,799,000	2,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,863
Cash dividends	$676,000	2,440
Sale, conversion, retirement of capital stock, net	$128,000	845
Net operating income	$1,656,640	2,800
1992-12-31 (YTD Data)		Rank
Total interest income	$17,147,000	2,065
Total interest expense	$8,421,000	2,022
Net interest income	$8,726,000	2,091
Provision for loan and lease losses	$473,000	3,125
Total noninterest income	$746,000	4,193
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$271,000	4,810
Trading account gains and fees	$0	504
Additional Noninterest Income	$475,000	3,294
Total noninterest expense	$8,245,000	1,839
Salaries and employee benefits	$2,581,000	2,501
Premises and equipment expense	$716,000	2,864
Additional noninterest expense	$4,948,000	1,333
Pre-tax net operating income	$754,000	6,810
Securities gains (losses)	$881,000	724
Applicable income taxes	$748,000	2,786
Income before extraordinary items	$887,000	4,984
Extraordinary gains, net	$0	1,422
Net income	$887,000	5,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	5,553
Cash dividends	$393,000	3,407
Sale, conversion, retirement of capital stock, net	$87,000	853
Net operating income	$323,160	8,652

* 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.