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The Arkansas Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$3,857,000	6,593
Total interest expense	$2,273,000	5,706
Net interest income	$1,584,000	7,500
Provision for loan and lease losses	$62,000	6,072
Total noninterest income	$491,000	4,987
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$326,000	3,677
Trading account gains and fees	NA	NA
Additional Noninterest Income	$165,000	5,440
Total noninterest expense	$1,432,000	6,877
Salaries and employee benefits	$568,000	7,938
Premises and equipment expense	$250,000	5,967
Additional noninterest expense	$614,000	5,659
Pre-tax net operating income	$581,000	7,018
Securities gains (losses)	$26,000	2,229
Applicable income taxes	$186,000	6,344
Income before extraordinary items	$421,000	7,085
Extraordinary gains, net	$0	32
Net income	$421,000	7,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$403,060	7,100
1997-12-31 (YTD Data)		Rank
Total interest income	$3,478,000	7,183
Total interest expense	$2,061,000	6,149
Net interest income	$1,417,000	8,194
Provision for loan and lease losses	$93,000	5,327
Total noninterest income	$497,000	5,017
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$328,000	3,796
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,381
Total noninterest expense	$1,486,000	6,822
Salaries and employee benefits	$576,000	8,077
Premises and equipment expense	$254,000	6,002
Additional noninterest expense	$656,000	5,472
Pre-tax net operating income	$335,000	8,802
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$84,000	8,688
Income before extraordinary items	$253,000	8,722
Extraordinary gains, net	$0	44
Net income	$253,000	8,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$251,500	8,703
1996-12-31 (YTD Data)		Rank
Total interest income	$1,114,000	10,651
Total interest expense	$667,000	10,069
Net interest income	$447,000	11,001
Provision for loan and lease losses	$0	9,041
Total noninterest income	$107,000	9,768
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	8,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,253
Total noninterest expense	$701,000	9,814
Salaries and employee benefits	$159,000	11,201
Premises and equipment expense	$68,000	10,142
Additional noninterest expense	$474,000	7,256
Pre-tax net operating income	$-147,000	11,016
Securities gains (losses)	$0	4,148
Applicable income taxes	$10,000	10,369
Income before extraordinary items	$-157,000	11,068
Extraordinary gains, net	$0	53
Net income	$-157,000	11,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,952
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-157,000	11,028
1995-12-31 (YTD Data)		Rank
Total interest income	$2,895,000	8,370
Total interest expense	$1,880,000	6,723
Net interest income	$1,015,000	9,899
Provision for loan and lease losses	$68,000	5,482
Total noninterest income	$132,000	9,617
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,130
Total noninterest expense	$851,000	9,550
Salaries and employee benefits	$326,000	10,537
Premises and equipment expense	$112,000	9,254
Additional noninterest expense	$413,000	8,058
Pre-tax net operating income	$228,000	10,282
Securities gains (losses)	$0	3,831
Applicable income taxes	$59,000	9,999
Income before extraordinary items	$169,000	10,279
Extraordinary gains, net	$0	65
Net income	$169,000	10,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$74,000	7,334
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$169,000	10,249
1994-12-31 (YTD Data)		Rank
Total interest income	$2,448,000	8,999
Total interest expense	$1,393,000	7,230
Net interest income	$1,055,000	10,227
Provision for loan and lease losses	$62,000	5,552
Total noninterest income	$95,000	10,864
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,102
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,920
Total noninterest expense	$810,000	10,202
Salaries and employee benefits	$299,000	11,214
Premises and equipment expense	$107,000	9,803
Additional noninterest expense	$404,000	8,791
Pre-tax net operating income	$278,000	10,295
Securities gains (losses)	$174,000	543
Applicable income taxes	$155,000	8,217
Income before extraordinary items	$297,000	9,184
Extraordinary gains, net	$0	249
Net income	$297,000	9,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$182,160	10,520
1993-12-31 (YTD Data)		Rank
Total interest income	$2,137,000	9,914
Total interest expense	$1,209,000	8,213
Net interest income	$928,000	11,043
Provision for loan and lease losses	$39,000	8,009
Total noninterest income	$57,000	12,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,569
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,885
Total noninterest expense	$678,000	11,269
Salaries and employee benefits	$248,000	12,209
Premises and equipment expense	$82,000	11,085
Additional noninterest expense	$348,000	9,861
Pre-tax net operating income	$268,000	10,483
Securities gains (losses)	$0	7,477
Applicable income taxes	$71,000	10,446
Income before extraordinary items	$197,000	10,690
Extraordinary gains, net	$0	3,149
Net income	$197,000	10,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$197,000	10,462
1992-12-31 (YTD Data)		Rank
Total interest income	$1,604,000	11,721
Total interest expense	$984,000	10,465
Net interest income	$620,000	12,644
Provision for loan and lease losses	$36,000	9,661
Total noninterest income	$17,000	13,725
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	11,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	13,414
Total noninterest expense	$526,000	12,477
Salaries and employee benefits	$147,000	13,569
Premises and equipment expense	$22,000	13,625
Additional noninterest expense	$357,000	10,107
Pre-tax net operating income	$75,000	12,240
Securities gains (losses)	$421,000	1,237
Applicable income taxes	$175,000	8,076
Income before extraordinary items	$321,000	9,031
Extraordinary gains, net	$0	1,422
Net income	$321,000	9,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$2,400,000	275
Net operating income	$47,350	12,321

* 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.