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The Exchange State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,131,000	10,620
Total interest expense	$487,000	10,635
Net interest income	$644,000	10,533
Provision for loan and lease losses	$27,000	7,576
Total noninterest income	$100,000	9,896
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	8,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,653
Total noninterest expense	$366,000	11,073
Salaries and employee benefits	$187,000	11,081
Premises and equipment expense	$48,000	10,693
Additional noninterest expense	$131,000	10,785
Pre-tax net operating income	$351,000	8,801
Securities gains (losses)	$0	4,148
Applicable income taxes	$91,000	8,903
Income before extraordinary items	$260,000	8,751
Extraordinary gains, net	$0	53
Net income	$260,000	8,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,811
Cash dividends	$170,000	5,771
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$260,000	8,687
1995-12-31 (YTD Data)		Rank
Total interest income	$1,079,000	11,154
Total interest expense	$443,000	11,209
Net interest income	$636,000	11,015
Provision for loan and lease losses	$0	8,958
Total noninterest income	$87,000	10,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,206
Total noninterest expense	$396,000	11,440
Salaries and employee benefits	$211,000	11,430
Premises and equipment expense	$47,000	11,167
Additional noninterest expense	$138,000	11,204
Pre-tax net operating income	$327,000	9,559
Securities gains (losses)	$0	3,831
Applicable income taxes	$97,000	9,235
Income before extraordinary items	$230,000	9,610
Extraordinary gains, net	$0	65
Net income	$230,000	9,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	10,995
Cash dividends	$245,000	5,050
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$230,000	9,584
1994-12-31 (YTD Data)		Rank
Total interest income	$1,068,000	11,582
Total interest expense	$396,000	11,607
Net interest income	$672,000	11,480
Provision for loan and lease losses	$0	9,146
Total noninterest income	$88,000	11,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	9,629
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	10,409
Total noninterest expense	$402,000	12,034
Salaries and employee benefits	$198,000	12,080
Premises and equipment expense	$50,000	11,639
Additional noninterest expense	$154,000	11,740
Pre-tax net operating income	$358,000	9,677
Securities gains (losses)	$0	3,600
Applicable income taxes	$100,000	9,363
Income before extraordinary items	$258,000	9,607
Extraordinary gains, net	$0	249
Net income	$258,000	9,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$188,000	5,649
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$258,000	9,664
1993-12-31 (YTD Data)		Rank
Total interest income	$1,123,000	12,043
Total interest expense	$427,000	12,093
Net interest income	$696,000	11,896
Provision for loan and lease losses	$0	10,371
Total noninterest income	$73,000	11,986
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	10,111
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,745
Total noninterest expense	$410,000	12,606
Salaries and employee benefits	$200,000	12,641
Premises and equipment expense	$51,000	12,175
Additional noninterest expense	$155,000	12,350
Pre-tax net operating income	$359,000	9,737
Securities gains (losses)	$0	7,477
Applicable income taxes	$103,000	9,654
Income before extraordinary items	$260,000	9,928
Extraordinary gains, net	$0	3,149
Net income	$260,000	10,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	12,001
Cash dividends	$145,000	6,191
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$260,000	9,667
1992-12-31 (YTD Data)		Rank
Total interest income	$1,172,000	12,664
Total interest expense	$526,000	12,644
Net interest income	$646,000	12,535
Provision for loan and lease losses	$0	11,756
Total noninterest income	$95,000	11,854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,488
Total noninterest expense	$404,000	13,149
Salaries and employee benefits	$187,000	13,277
Premises and equipment expense	$54,000	12,540
Additional noninterest expense	$163,000	12,748
Pre-tax net operating income	$337,000	9,802
Securities gains (losses)	$0	8,369
Applicable income taxes	$104,000	9,806
Income before extraordinary items	$233,000	10,134
Extraordinary gains, net	$0	1,422
Net income	$233,000	10,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	12,832
Cash dividends	$112,000	6,357
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$233,000	9,783

* 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.