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Ringling State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,337,000	8,928
Total interest expense	$1,023,000	8,935
Net interest income	$1,314,000	8,734
Provision for loan and lease losses	$93,000	5,288
Total noninterest income	$151,000	8,994
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	6,912
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,237
Total noninterest expense	$720,000	9,739
Salaries and employee benefits	$339,000	10,041
Premises and equipment expense	$64,000	10,248
Additional noninterest expense	$317,000	8,705
Pre-tax net operating income	$652,000	7,160
Securities gains (losses)	$0	4,148
Applicable income taxes	$221,000	6,822
Income before extraordinary items	$431,000	7,376
Extraordinary gains, net	$0	53
Net income	$431,000	7,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,939
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$431,000	7,321
1995-12-31 (YTD Data)		Rank
Total interest income	$2,322,000	9,224
Total interest expense	$1,049,000	9,088
Net interest income	$1,273,000	9,144
Provision for loan and lease losses	$0	8,958
Total noninterest income	$161,000	9,123
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	6,984
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,525
Total noninterest expense	$791,000	9,806
Salaries and employee benefits	$334,000	10,459
Premises and equipment expense	$59,000	10,818
Additional noninterest expense	$398,000	8,216
Pre-tax net operating income	$643,000	7,633
Securities gains (losses)	$0	3,831
Applicable income taxes	$221,000	7,081
Income before extraordinary items	$422,000	7,868
Extraordinary gains, net	$0	65
Net income	$422,000	7,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,354
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$422,000	7,834
1994-12-31 (YTD Data)		Rank
Total interest income	$2,134,000	9,554
Total interest expense	$827,000	9,459
Net interest income	$1,307,000	9,441
Provision for loan and lease losses	$0	9,146
Total noninterest income	$165,000	9,413
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	7,250
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$783,000	10,318
Salaries and employee benefits	$323,000	10,987
Premises and equipment expense	$51,000	11,600
Additional noninterest expense	$409,000	8,739
Pre-tax net operating income	$689,000	7,464
Securities gains (losses)	$-124,000	11,687
Applicable income taxes	$196,000	7,404
Income before extraordinary items	$369,000	8,470
Extraordinary gains, net	$0	249
Net income	$369,000	8,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$449,600	7,764
1993-12-31 (YTD Data)		Rank
Total interest income	$2,207,000	9,776
Total interest expense	$837,000	9,851
Net interest income	$1,370,000	9,508
Provision for loan and lease losses	$0	10,371
Total noninterest income	$161,000	10,000
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$137,000	7,418
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$722,000	11,059
Salaries and employee benefits	$293,000	11,734
Premises and equipment expense	$49,000	12,246
Additional noninterest expense	$380,000	9,477
Pre-tax net operating income	$809,000	6,761
Securities gains (losses)	$0	7,477
Applicable income taxes	$284,000	6,283
Income before extraordinary items	$525,000	7,350
Extraordinary gains, net	$0	3,149
Net income	$525,000	7,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	5,980
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$-736,000	13,248
Net operating income	$525,000	7,096
1992-12-31 (YTD Data)		Rank
Total interest income	$2,425,000	10,048
Total interest expense	$1,009,000	10,346
Net interest income	$1,416,000	9,563
Provision for loan and lease losses	$0	11,756
Total noninterest income	$180,000	9,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	7,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	11,562
Total noninterest expense	$710,000	11,469
Salaries and employee benefits	$265,000	12,430
Premises and equipment expense	$57,000	12,412
Additional noninterest expense	$388,000	9,710
Pre-tax net operating income	$886,000	6,161
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$314,000	5,748
Income before extraordinary items	$574,000	6,747
Extraordinary gains, net	$0	1,422
Net income	$574,000	6,835
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	7,780
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$572,700	6,416

* 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.