Republic Bank, F.S.B., Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$432,000	10,259
Total interest expense	$188,000	10,201
Net interest income	$244,000	10,260
Provision for loan and lease losses	$60,000	6,123
Total noninterest income	$60,000	9,681
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$60,000	7,800
Total noninterest expense	$388,000	10,089
Salaries and employee benefits	$168,000	10,221
Premises and equipment expense	$87,000	8,995
Additional noninterest expense	$133,000	9,822
Pre-tax net operating income	$-144,000	9,953
Securities gains (losses)	$0	4,449
Applicable income taxes	$-54,000	10,141
Income before extraordinary items	$-90,000	9,949
Extraordinary gains, net	$0	32
Net income	$-90,000	9,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$2,650,000	353
Net operating income	$-90,000	9,909

* 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.