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The Bank and Trust, S.S.B., Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,745,000	8,994
Total interest expense	$730,000	9,117
Net interest income	$1,015,000	8,757
Provision for loan and lease losses	$10,000	8,212
Total noninterest income	$201,000	7,555
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$149,000	5,953
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,090
Total noninterest expense	$868,000	8,535
Salaries and employee benefits	$483,000	8,463
Premises and equipment expense	$135,000	7,968
Additional noninterest expense	$250,000	8,607
Pre-tax net operating income	$338,000	8,184
Securities gains (losses)	$0	4,449
Applicable income taxes	$118,000	7,272
Income before extraordinary items	$220,000	8,473
Extraordinary gains, net	$0	32
Net income	$220,000	8,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,505
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$220,000	8,395
1997-12-31 (YTD Data)		Rank
Total interest income	$1,720,000	9,398
Total interest expense	$745,000	9,422
Net interest income	$975,000	9,245
Provision for loan and lease losses	$10,000	8,395
Total noninterest income	$198,000	7,865
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	6,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,389
Total noninterest expense	$793,000	9,063
Salaries and employee benefits	$408,000	9,211
Premises and equipment expense	$143,000	7,962
Additional noninterest expense	$242,000	8,940
Pre-tax net operating income	$370,000	8,610
Securities gains (losses)	$0	3,944
Applicable income taxes	$127,000	7,961
Income before extraordinary items	$243,000	8,804
Extraordinary gains, net	$0	44
Net income	$243,000	8,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$127,000	6,152
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$243,000	8,762
1996-12-31 (YTD Data)		Rank
Total interest income	$1,788,000	9,674
Total interest expense	$808,000	9,616
Net interest income	$980,000	9,604
Provision for loan and lease losses	$0	9,041
Total noninterest income	$205,000	8,157
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$156,000	6,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,929
Total noninterest expense	$779,000	9,517
Salaries and employee benefits	$392,000	9,656
Premises and equipment expense	$143,000	8,222
Additional noninterest expense	$244,000	9,456
Pre-tax net operating income	$406,000	8,465
Securities gains (losses)	$0	4,148
Applicable income taxes	$137,000	8,089
Income before extraordinary items	$269,000	8,674
Extraordinary gains, net	$0	53
Net income	$269,000	8,672
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,158
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$269,000	8,609
1995-12-31 (YTD Data)		Rank
Total interest income	$1,658,000	10,250
Total interest expense	$805,000	9,923
Net interest income	$853,000	10,372
Provision for loan and lease losses	$0	8,958
Total noninterest income	$182,000	8,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	6,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	9,709
Total noninterest expense	$705,000	10,172
Salaries and employee benefits	$369,000	10,175
Premises and equipment expense	$120,000	9,038
Additional noninterest expense	$216,000	10,236
Pre-tax net operating income	$330,000	9,532
Securities gains (losses)	$-7,000	9,876
Applicable income taxes	$110,000	8,977
Income before extraordinary items	$213,000	9,797
Extraordinary gains, net	$0	65
Net income	$213,000	9,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,150
Cash dividends	$127,000	6,371
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$217,620	9,716
1994-12-31 (YTD Data)		Rank
Total interest income	$1,221,000	11,306
Total interest expense	$457,000	11,292
Net interest income	$764,000	11,168
Provision for loan and lease losses	$-64,000	12,055
Total noninterest income	$145,000	9,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,301
Total noninterest expense	$660,000	10,864
Salaries and employee benefits	$339,000	10,857
Premises and equipment expense	$118,000	9,449
Additional noninterest expense	$203,000	11,122
Pre-tax net operating income	$313,000	10,034
Securities gains (losses)	$4,000	2,755
Applicable income taxes	$109,000	9,152
Income before extraordinary items	$208,000	10,186
Extraordinary gains, net	$0	249
Net income	$208,000	10,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	11,913
Cash dividends	$145,000	6,196
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$205,360	10,262
1993-12-31 (YTD Data)		Rank
Total interest income	$1,177,000	11,936
Total interest expense	$442,000	11,995
Net interest income	$735,000	11,740
Provision for loan and lease losses	$-26,000	12,628
Total noninterest income	$126,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	8,130
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,255
Total noninterest expense	$664,000	11,335
Salaries and employee benefits	$322,000	11,426
Premises and equipment expense	$132,000	9,415
Additional noninterest expense	$210,000	11,589
Pre-tax net operating income	$223,000	10,842
Securities gains (losses)	$0	7,477
Applicable income taxes	$76,000	10,314
Income before extraordinary items	$147,000	11,238
Extraordinary gains, net	$23,000	2,642
Net income	$170,000	11,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	12,290
Cash dividends	$89,000	7,164
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$147,000	11,030
1992-12-31 (YTD Data)		Rank
Total interest income	$1,259,000	12,478
Total interest expense	$554,000	12,516
Net interest income	$705,000	12,298
Provision for loan and lease losses	$-51,000	13,629
Total noninterest income	$115,000	11,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,491
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	13,064
Total noninterest expense	$626,000	11,910
Salaries and employee benefits	$305,000	11,960
Premises and equipment expense	$117,000	10,138
Additional noninterest expense	$204,000	12,186
Pre-tax net operating income	$245,000	10,650
Securities gains (losses)	$0	8,369
Applicable income taxes	$83,000	10,366
Income before extraordinary items	$162,000	11,103
Extraordinary gains, net	$0	1,422
Net income	$162,000	11,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	12,801
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$162,000	10,768

* 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.