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Perry County Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,045,000	7,938
Total interest expense	$1,039,000	8,881
Net interest income	$2,006,000	7,128
Provision for loan and lease losses	$72,000	5,782
Total noninterest income	$418,000	5,803
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$274,000	4,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	6,090
Total noninterest expense	$1,072,000	8,433
Salaries and employee benefits	$668,000	7,732
Premises and equipment expense	$166,000	7,709
Additional noninterest expense	$238,000	9,527
Pre-tax net operating income	$1,280,000	4,880
Securities gains (losses)	$0	4,148
Applicable income taxes	$417,000	4,765
Income before extraordinary items	$863,000	5,016
Extraordinary gains, net	$0	53
Net income	$863,000	5,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,007
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$863,000	4,963
1995-12-31 (YTD Data)		Rank
Total interest income	$2,762,000	8,543
Total interest expense	$942,000	9,454
Net interest income	$1,820,000	7,713
Provision for loan and lease losses	$108,000	4,448
Total noninterest income	$364,000	6,333
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$254,000	4,891
Trading account gains and fees	NA	NA
Additional Noninterest Income	$110,000	6,935
Total noninterest expense	$976,000	9,052
Salaries and employee benefits	$531,000	8,844
Premises and equipment expense	$157,000	8,098
Additional noninterest expense	$288,000	9,369
Pre-tax net operating income	$1,100,000	5,602
Securities gains (losses)	$0	3,831
Applicable income taxes	$353,000	5,401
Income before extraordinary items	$747,000	5,728
Extraordinary gains, net	$0	65
Net income	$747,000	5,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	2,878
Cash dividends	$100,000	6,741
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$747,000	5,701
1994-12-31 (YTD Data)		Rank
Total interest income	$2,362,000	9,146
Total interest expense	$767,000	9,767
Net interest income	$1,595,000	8,591
Provision for loan and lease losses	$244,000	2,652
Total noninterest income	$322,000	6,983
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$244,000	5,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	8,327
Total noninterest expense	$934,000	9,614
Salaries and employee benefits	$492,000	9,467
Premises and equipment expense	$147,000	8,631
Additional noninterest expense	$295,000	10,024
Pre-tax net operating income	$739,000	7,196
Securities gains (losses)	$0	3,600
Applicable income taxes	$229,000	6,867
Income before extraordinary items	$510,000	7,234
Extraordinary gains, net	$0	249
Net income	$510,000	7,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	3,515
Cash dividends	$100,000	6,840
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$510,000	7,267
1993-12-31 (YTD Data)		Rank
Total interest income	$2,129,000	9,931
Total interest expense	$737,000	10,376
Net interest income	$1,392,000	9,440
Provision for loan and lease losses	$320,000	2,859
Total noninterest income	$298,000	7,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	5,496
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	8,988
Total noninterest expense	$953,000	9,960
Salaries and employee benefits	$486,000	9,810
Premises and equipment expense	$169,000	8,403
Additional noninterest expense	$298,000	10,480
Pre-tax net operating income	$417,000	9,278
Securities gains (losses)	$0	7,477
Applicable income taxes	$112,000	9,471
Income before extraordinary items	$305,000	9,424
Extraordinary gains, net	$17,000	2,772
Net income	$322,000	9,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,954
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$305,000	9,168
1992-12-31 (YTD Data)		Rank
Total interest income	$2,090,000	10,716
Total interest expense	$840,000	11,149
Net interest income	$1,250,000	10,145
Provision for loan and lease losses	$235,000	4,801
Total noninterest income	$317,000	7,498
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	5,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	8,401
Total noninterest expense	$893,000	10,521
Salaries and employee benefits	$436,000	10,450
Premises and equipment expense	$158,000	8,881
Additional noninterest expense	$299,000	10,840
Pre-tax net operating income	$439,000	8,901
Securities gains (losses)	$0	8,369
Applicable income taxes	$115,000	9,514
Income before extraordinary items	$324,000	9,003
Extraordinary gains, net	$0	1,422
Net income	$324,000	9,149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$235,000	3,850
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$324,000	8,643

* 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.