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Montour Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,280,000	7,621
Total interest expense	$1,808,000	6,824
Net interest income	$1,472,000	8,334
Provision for loan and lease losses	$70,000	5,840
Total noninterest income	$80,000	10,284
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	9,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,801
Total noninterest expense	$997,000	8,676
Salaries and employee benefits	$237,000	10,795
Premises and equipment expense	$74,000	9,976
Additional noninterest expense	$686,000	5,816
Pre-tax net operating income	$485,000	8,026
Securities gains (losses)	$0	4,148
Applicable income taxes	$177,000	7,479
Income before extraordinary items	$308,000	8,350
Extraordinary gains, net	$0	53
Net income	$308,000	8,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	4,000
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$308,000	8,297
1995-12-31 (YTD Data)		Rank
Total interest income	$3,197,000	7,930
Total interest expense	$1,835,000	6,823
Net interest income	$1,362,000	8,899
Provision for loan and lease losses	$90,000	4,814
Total noninterest income	$65,000	11,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,521
Total noninterest expense	$969,000	9,086
Salaries and employee benefits	$305,000	10,704
Premises and equipment expense	$108,000	9,386
Additional noninterest expense	$556,000	6,806
Pre-tax net operating income	$368,000	9,286
Securities gains (losses)	$45,000	1,385
Applicable income taxes	$144,000	8,373
Income before extraordinary items	$269,000	9,239
Extraordinary gains, net	$0	65
Net income	$269,000	9,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,621
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$239,750	9,492
1994-12-31 (YTD Data)		Rank
Total interest income	$2,594,000	8,739
Total interest expense	$1,372,000	7,301
Net interest income	$1,222,000	9,704
Provision for loan and lease losses	$76,000	5,132
Total noninterest income	$21,000	12,374
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	10,704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,083
Total noninterest expense	$836,000	10,067
Salaries and employee benefits	$286,000	11,337
Premises and equipment expense	$133,000	9,004
Additional noninterest expense	$417,000	8,655
Pre-tax net operating income	$331,000	9,899
Securities gains (losses)	$0	3,600
Applicable income taxes	$-127,000	12,330
Income before extraordinary items	$458,000	7,630
Extraordinary gains, net	$0	249
Net income	$458,000	7,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,826
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$5,000	1,118
Net operating income	$458,000	7,685
1993-12-31 (YTD Data)		Rank
Total interest income	$1,848,000	10,494
Total interest expense	$935,000	9,404
Net interest income	$913,000	11,117
Provision for loan and lease losses	$121,000	5,179
Total noninterest income	$21,000	13,055
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	11,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	12,609
Total noninterest expense	$753,000	10,903
Salaries and employee benefits	$245,000	12,237
Premises and equipment expense	$198,000	7,726
Additional noninterest expense	$310,000	10,318
Pre-tax net operating income	$60,000	12,116
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$60,000	12,177
Extraordinary gains, net	$0	3,149
Net income	$60,000	12,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$60,000	12,024
1992-12-31 (YTD Data)		Rank
Total interest income	$1,311,000	12,379
Total interest expense	$692,000	11,858
Net interest income	$619,000	12,648
Provision for loan and lease losses	$81,000	7,858
Total noninterest income	$17,000	13,725
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	11,683
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	13,214
Total noninterest expense	$709,000	11,475
Salaries and employee benefits	$247,000	12,643
Premises and equipment expense	$194,000	7,976
Additional noninterest expense	$268,000	11,302
Pre-tax net operating income	$-154,000	13,024
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-154,000	13,129
Extraordinary gains, net	$0	1,422
Net income	$-154,000	13,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	10,379
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-154,000	12,991

* 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.