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OrangeBank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$7,648,000	4,203
Total interest expense	$2,210,000	6,033
Net interest income	$5,438,000	3,254
Provision for loan and lease losses	$48,000	6,700
Total noninterest income	$1,493,000	2,306
Gross Fiduciary activities income	$7,000	1,430
Service charges on deposit accounts	$1,127,000	1,180
Trading account gains and fees	$0	262
Additional Noninterest Income	$359,000	3,633
Total noninterest expense	$3,493,000	3,778
Salaries and employee benefits	$1,876,000	3,532
Premises and equipment expense	$427,000	4,309
Additional noninterest expense	$1,190,000	3,811
Pre-tax net operating income	$3,390,000	2,107
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,139,000	2,096
Income before extraordinary items	$2,251,000	2,193
Extraordinary gains, net	$0	53
Net income	$2,251,000	2,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,559
Cash dividends	$3,450,000	863
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,251,000	2,139
1995-12-31 (YTD Data)		Rank
Total interest income	$5,766,000	5,375
Total interest expense	$1,758,000	6,997
Net interest income	$4,008,000	4,302
Provision for loan and lease losses	$-42,000	11,568
Total noninterest income	$1,064,000	2,959
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$822,000	1,644
Trading account gains and fees	NA	NA
Additional Noninterest Income	$242,000	4,569
Total noninterest expense	$2,521,000	4,963
Salaries and employee benefits	$1,393,000	4,579
Premises and equipment expense	$294,000	5,716
Additional noninterest expense	$834,000	5,082
Pre-tax net operating income	$2,593,000	2,747
Securities gains (losses)	$51,000	1,292
Applicable income taxes	$855,000	2,725
Income before extraordinary items	$1,789,000	2,763
Extraordinary gains, net	$0	65
Net income	$1,789,000	2,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,422
Cash dividends	$1,290,000	1,681
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,754,320	2,774
1994-12-31 (YTD Data)		Rank
Total interest income	$5,121,000	5,567
Total interest expense	$1,486,000	6,932
Net interest income	$3,635,000	4,772
Provision for loan and lease losses	$67,000	5,416
Total noninterest income	$984,000	3,146
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$721,000	1,870
Trading account gains and fees	NA	NA
Additional Noninterest Income	$263,000	4,452
Total noninterest expense	$2,563,000	5,040
Salaries and employee benefits	$1,344,000	4,740
Premises and equipment expense	$295,000	5,794
Additional noninterest expense	$924,000	5,061
Pre-tax net operating income	$1,989,000	3,433
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$648,000	3,297
Income before extraordinary items	$1,335,000	3,516
Extraordinary gains, net	$0	249
Net income	$1,335,000	3,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	11,870
Cash dividends	$843,000	2,196
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,339,020	3,534
1993-12-31 (YTD Data)		Rank
Total interest income	$4,537,000	6,268
Total interest expense	$1,251,000	8,077
Net interest income	$3,286,000	5,230
Provision for loan and lease losses	$98,000	5,836
Total noninterest income	$898,000	3,640
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$679,000	2,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	5,394
Total noninterest expense	$2,387,000	5,487
Salaries and employee benefits	$1,219,000	5,161
Premises and equipment expense	$262,000	6,466
Additional noninterest expense	$906,000	5,337
Pre-tax net operating income	$1,699,000	3,882
Securities gains (losses)	$0	7,477
Applicable income taxes	$460,000	4,509
Income before extraordinary items	$1,239,000	3,889
Extraordinary gains, net	$95,000	1,624
Net income	$1,334,000	3,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	3,256
Cash dividends	$965,000	1,832
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,239,000	3,682
1992-12-31 (YTD Data)		Rank
Total interest income	$4,911,000	6,474
Total interest expense	$1,556,000	8,345
Net interest income	$3,355,000	5,203
Provision for loan and lease losses	$159,000	5,935
Total noninterest income	$1,073,000	3,129
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$585,000	2,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$488,000	3,245
Total noninterest expense	$2,504,000	5,304
Salaries and employee benefits	$1,136,000	5,438
Premises and equipment expense	$272,000	6,405
Additional noninterest expense	$1,096,000	4,700
Pre-tax net operating income	$1,765,000	3,495
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$570,000	3,577
Income before extraordinary items	$1,199,000	3,816
Extraordinary gains, net	$0	1,422
Net income	$1,199,000	3,858
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	7,501
Cash dividends	$1,123,000	1,404
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,196,280	3,540

* 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.