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Orangeville Community Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,971,000	8,240
Total interest expense	$1,057,000	7,910
Net interest income	$914,000	8,440
Provision for loan and lease losses	$0	8,228
Total noninterest income	$113,000	8,336
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$61,000	7,379
Trading account gains and fees	$0	177
Additional Noninterest Income	$52,000	7,628
Total noninterest expense	$547,000	9,082
Salaries and employee benefits	$292,000	9,095
Premises and equipment expense	$75,000	8,708
Additional noninterest expense	$180,000	8,823
Pre-tax net operating income	$480,000	6,638
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$137,000	5,593
Income before extraordinary items	$344,000	6,861
Extraordinary gains, net	$0	105
Net income	$344,000	6,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,648
Cash dividends	$41,000	6,236
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$343,280	6,755
2000-12-31 (YTD Data)		Rank
Total interest income	$1,902,000	8,503
Total interest expense	$992,000	8,234
Net interest income	$910,000	8,674
Provision for loan and lease losses	$0	8,337
Total noninterest income	$105,000	8,528
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	7,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	7,661
Total noninterest expense	$529,000	9,316
Salaries and employee benefits	$269,000	9,389
Premises and equipment expense	$82,000	8,748
Additional noninterest expense	$178,000	8,995
Pre-tax net operating income	$486,000	7,061
Securities gains (losses)	$0	1,956
Applicable income taxes	$130,000	6,160
Income before extraordinary items	$356,000	7,128
Extraordinary gains, net	$0	38
Net income	$356,000	7,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,699
Cash dividends	$42,000	6,486
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$356,000	7,122
1999-12-31 (YTD Data)		Rank
Total interest income	$1,728,000	8,794
Total interest expense	$867,000	8,527
Net interest income	$861,000	8,930
Provision for loan and lease losses	$0	8,503
Total noninterest income	$89,000	8,996
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	8,025
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	8,163
Total noninterest expense	$552,000	9,456
Salaries and employee benefits	$301,000	9,459
Premises and equipment expense	$82,000	8,984
Additional noninterest expense	$169,000	9,350
Pre-tax net operating income	$398,000	7,608
Securities gains (losses)	$-1,000	8,592
Applicable income taxes	$119,000	6,664
Income before extraordinary items	$278,000	7,741
Extraordinary gains, net	$0	35
Net income	$278,000	7,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$25,000	6,862
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$278,700	7,713
1998-12-31 (YTD Data)		Rank
Total interest income	$1,793,000	8,937
Total interest expense	$957,000	8,536
Net interest income	$836,000	9,169
Provision for loan and lease losses	$0	8,652
Total noninterest income	$82,000	9,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,314
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,420
Total noninterest expense	$514,000	9,728
Salaries and employee benefits	$291,000	9,664
Premises and equipment expense	$72,000	9,327
Additional noninterest expense	$151,000	9,646
Pre-tax net operating income	$404,000	7,855
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$122,000	7,223
Income before extraordinary items	$287,000	7,992
Extraordinary gains, net	$0	32
Net income	$287,000	7,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,505
Cash dividends	$64,000	6,704
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$283,500	7,934
1997-12-31 (YTD Data)		Rank
Total interest income	$1,914,000	9,119
Total interest expense	$1,049,000	8,555
Net interest income	$865,000	9,504
Provision for loan and lease losses	$9,000	8,470
Total noninterest income	$76,000	9,837
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	8,837
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	8,774
Total noninterest expense	$518,000	10,062
Salaries and employee benefits	$300,000	9,951
Premises and equipment expense	$78,000	9,482
Additional noninterest expense	$140,000	10,120
Pre-tax net operating income	$414,000	8,367
Securities gains (losses)	$9,000	2,430
Applicable income taxes	$131,000	7,903
Income before extraordinary items	$292,000	8,437
Extraordinary gains, net	$0	44
Net income	$292,000	8,438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,272
Cash dividends	$32,000	7,438
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$285,790	8,450
1996-12-31 (YTD Data)		Rank
Total interest income	$1,885,000	9,527
Total interest expense	$1,039,000	8,881
Net interest income	$846,000	9,976
Provision for loan and lease losses	$23,000	7,847
Total noninterest income	$69,000	10,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	9,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	9,447
Total noninterest expense	$541,000	10,425
Salaries and employee benefits	$316,000	10,223
Premises and equipment expense	$68,000	10,142
Additional noninterest expense	$157,000	10,469
Pre-tax net operating income	$351,000	8,801
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$81,000	9,119
Income before extraordinary items	$268,000	8,679
Extraordinary gains, net	$0	53
Net income	$268,000	8,677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,803
Cash dividends	$47,000	7,606
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$269,540	8,608
1995-12-31 (YTD Data)		Rank
Total interest income	$1,500,000	10,530
Total interest expense	$812,000	9,901
Net interest income	$688,000	10,879
Provision for loan and lease losses	$0	8,958
Total noninterest income	$55,000	11,269
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	9,675
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,891
Total noninterest expense	$483,000	11,091
Salaries and employee benefits	$280,000	10,920
Premises and equipment expense	$62,000	10,713
Additional noninterest expense	$141,000	11,171
Pre-tax net operating income	$260,000	10,042
Securities gains (losses)	$0	3,831
Applicable income taxes	$57,000	10,046
Income before extraordinary items	$203,000	9,892
Extraordinary gains, net	$0	65
Net income	$203,000	9,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$47,000	7,864
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$203,000	9,864
1994-12-31 (YTD Data)		Rank
Total interest income	$1,296,000	11,143
Total interest expense	$604,000	10,580
Net interest income	$692,000	11,405
Provision for loan and lease losses	$0	9,146
Total noninterest income	$66,000	11,591
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	9,666
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,783
Total noninterest expense	$519,000	11,511
Salaries and employee benefits	$288,000	11,318
Premises and equipment expense	$66,000	11,093
Additional noninterest expense	$165,000	11,585
Pre-tax net operating income	$239,000	10,584
Securities gains (losses)	$0	3,600
Applicable income taxes	$46,000	10,566
Income before extraordinary items	$193,000	10,354
Extraordinary gains, net	$0	249
Net income	$193,000	10,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$90,000	7,108
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$193,000	10,400
1993-12-31 (YTD Data)		Rank
Total interest income	$1,358,000	11,550
Total interest expense	$651,000	10,868
Net interest income	$707,000	11,846
Provision for loan and lease losses	$0	10,371
Total noninterest income	$54,000	12,434
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	10,409
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	12,477
Total noninterest expense	$523,000	12,040
Salaries and employee benefits	$280,000	11,873
Premises and equipment expense	$65,000	11,682
Additional noninterest expense	$178,000	12,046
Pre-tax net operating income	$238,000	10,713
Securities gains (losses)	$0	7,477
Applicable income taxes	$51,000	10,921
Income before extraordinary items	$187,000	10,793
Extraordinary gains, net	$0	3,149
Net income	$187,000	10,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$48,000	8,039
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$187,000	10,574
1992-12-31 (YTD Data)		Rank
Total interest income	$1,487,000	11,999
Total interest expense	$779,000	11,428
Net interest income	$708,000	12,287
Provision for loan and lease losses	$0	11,756
Total noninterest income	$67,000	12,655
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	10,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	12,017
Total noninterest expense	$515,000	12,554
Salaries and employee benefits	$285,000	12,188
Premises and equipment expense	$64,000	12,099
Additional noninterest expense	$166,000	12,710
Pre-tax net operating income	$260,000	10,515
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$63,000	10,913
Income before extraordinary items	$199,000	10,612
Extraordinary gains, net	$0	1,422
Net income	$199,000	10,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$62,000	7,386
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$197,480	10,300

* 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.