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MidFirst Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$6,887,000	4,644
Total interest expense	$2,457,000	5,576
Net interest income	$4,430,000	3,940
Provision for loan and lease losses	$25,000	7,649
Total noninterest income	$1,461,000	2,342
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$385,000	3,448
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,076,000	1,722
Total noninterest expense	$2,544,000	4,930
Salaries and employee benefits	$1,695,000	3,865
Premises and equipment expense	$308,000	5,488
Additional noninterest expense	$541,000	6,757
Pre-tax net operating income	$3,322,000	2,159
Securities gains (losses)	$5,000	2,986
Applicable income taxes	$1,136,000	2,098
Income before extraordinary items	$2,191,000	2,254
Extraordinary gains, net	$0	53
Net income	$2,191,000	2,254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,694
Cash dividends	$2,500,000	1,090
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,187,700	2,205
1995-12-31 (YTD Data)		Rank
Total interest income	$6,609,000	4,787
Total interest expense	$2,522,000	5,525
Net interest income	$4,087,000	4,233
Provision for loan and lease losses	$0	8,958
Total noninterest income	$1,050,000	2,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$345,000	3,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$705,000	2,286
Total noninterest expense	$2,664,000	4,724
Salaries and employee benefits	$1,543,000	4,189
Premises and equipment expense	$307,000	5,528
Additional noninterest expense	$814,000	5,179
Pre-tax net operating income	$2,473,000	2,877
Securities gains (losses)	$-21,000	10,587
Applicable income taxes	$782,000	2,928
Income before extraordinary items	$1,670,000	2,943
Extraordinary gains, net	$0	65
Net income	$1,670,000	2,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,397
Cash dividends	$1,300,000	1,661
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,684,280	2,881
1994-12-31 (YTD Data)		Rank
Total interest income	$6,339,000	4,627
Total interest expense	$1,972,000	5,671
Net interest income	$4,367,000	4,032
Provision for loan and lease losses	$14,000	8,180
Total noninterest income	$1,304,000	2,574
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$368,000	3,668
Trading account gains and fees	NA	NA
Additional Noninterest Income	$936,000	1,920
Total noninterest expense	$2,810,000	4,665
Salaries and employee benefits	$1,681,000	3,861
Premises and equipment expense	$311,000	5,548
Additional noninterest expense	$818,000	5,598
Pre-tax net operating income	$2,847,000	2,487
Securities gains (losses)	$-8,000	9,681
Applicable income taxes	$905,000	2,467
Income before extraordinary items	$1,934,000	2,508
Extraordinary gains, net	$0	249
Net income	$1,934,000	2,508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	2,911
Cash dividends	$1,549,000	1,370
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,939,440	2,523
1993-12-31 (YTD Data)		Rank
Total interest income	$6,102,000	4,879
Total interest expense	$1,886,000	6,124
Net interest income	$4,216,000	4,194
Provision for loan and lease losses	$45,000	7,729
Total noninterest income	$1,468,000	2,481
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$392,000	3,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,076,000	1,937
Total noninterest expense	$2,679,000	4,964
Salaries and employee benefits	$1,480,000	4,326
Premises and equipment expense	$351,000	5,221
Additional noninterest expense	$848,000	5,635
Pre-tax net operating income	$2,960,000	2,318
Securities gains (losses)	$169,000	1,868
Applicable income taxes	$978,000	2,310
Income before extraordinary items	$2,151,000	2,320
Extraordinary gains, net	$0	3,149
Net income	$2,151,000	2,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	12,611
Cash dividends	$2,550,000	816
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,034,390	2,317
1992-12-31 (YTD Data)		Rank
Total interest income	$6,652,000	5,044
Total interest expense	$2,247,000	6,510
Net interest income	$4,405,000	4,082
Provision for loan and lease losses	$112,000	6,979
Total noninterest income	$1,513,000	2,377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$403,000	3,458
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,110,000	1,861
Total noninterest expense	$2,866,000	4,720
Salaries and employee benefits	$1,373,000	4,585
Premises and equipment expense	$280,000	6,282
Additional noninterest expense	$1,213,000	4,302
Pre-tax net operating income	$2,940,000	2,116
Securities gains (losses)	$128,000	2,614
Applicable income taxes	$930,000	2,247
Income before extraordinary items	$2,138,000	2,148
Extraordinary gains, net	$0	1,422
Net income	$2,138,000	2,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	13,441
Cash dividends	$2,320,000	744
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,048,400	2,051

* 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.