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The Huntington State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$18,713,000	1,731
Total interest expense	$5,349,000	2,811
Net interest income	$13,364,000	1,270
Provision for loan and lease losses	$6,545,000	267
Total noninterest income	$5,603,000	854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	8,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,579,000	601
Total noninterest expense	$9,726,000	1,349
Salaries and employee benefits	$6,150,000	1,061
Premises and equipment expense	$707,000	2,744
Additional noninterest expense	$2,869,000	1,505
Pre-tax net operating income	$2,696,000	2,613
Securities gains (losses)	$0	4,449
Applicable income taxes	$891,000	2,515
Income before extraordinary items	$1,805,000	2,786
Extraordinary gains, net	$0	32
Net income	$1,805,000	2,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,156,000	273
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,805,000	2,710
1997-12-31 (YTD Data)		Rank
Total interest income	$7,177,000	4,406
Total interest expense	$1,850,000	6,558
Net interest income	$5,327,000	3,281
Provision for loan and lease losses	$1,255,000	825
Total noninterest income	$1,018,000	3,002
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$982,000	1,759
Total noninterest expense	$3,328,000	3,767
Salaries and employee benefits	$2,189,000	3,033
Premises and equipment expense	$276,000	5,713
Additional noninterest expense	$863,000	4,468
Pre-tax net operating income	$1,762,000	3,925
Securities gains (losses)	$0	3,944
Applicable income taxes	$620,000	3,574
Income before extraordinary items	$1,142,000	4,228
Extraordinary gains, net	$0	44
Net income	$1,142,000	4,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$428,000	1,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,142,000	4,173
1996-12-31 (YTD Data)		Rank
Total interest income	$1,331,000	10,340
Total interest expense	$418,000	10,825
Net interest income	$913,000	9,802
Provision for loan and lease losses	$306,000	2,528
Total noninterest income	$74,000	10,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	9,540
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,801
Total noninterest expense	$515,000	10,524
Salaries and employee benefits	$251,000	10,710
Premises and equipment expense	$31,000	11,122
Additional noninterest expense	$233,000	9,579
Pre-tax net operating income	$166,000	9,991
Securities gains (losses)	$0	4,148
Applicable income taxes	$44,000	9,795
Income before extraordinary items	$122,000	10,020
Extraordinary gains, net	$0	53
Net income	$122,000	10,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,243
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$122,000	9,969
1995-12-31 (YTD Data)		Rank
Total interest income	$788,000	11,536
Total interest expense	$306,000	11,564
Net interest income	$482,000	11,441
Provision for loan and lease losses	$-2,000	11,346
Total noninterest income	$35,000	11,581
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	9,864
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,604
Total noninterest expense	$216,000	11,858
Salaries and employee benefits	$71,000	11,921
Premises and equipment expense	$11,000	11,891
Additional noninterest expense	$134,000	11,263
Pre-tax net operating income	$303,000	9,720
Securities gains (losses)	$0	3,831
Applicable income taxes	$132,000	8,584
Income before extraordinary items	$171,000	10,254
Extraordinary gains, net	$0	65
Net income	$171,000	10,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$171,000	10,227
1994-12-31 (YTD Data)		Rank
Total interest income	$553,000	12,365
Total interest expense	$213,000	12,312
Net interest income	$340,000	12,345
Provision for loan and lease losses	$2,000	9,032
Total noninterest income	$28,000	12,289
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	10,503
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$193,000	12,522
Salaries and employee benefits	$68,000	12,563
Premises and equipment expense	$10,000	12,540
Additional noninterest expense	$115,000	12,162
Pre-tax net operating income	$173,000	11,099
Securities gains (losses)	$0	3,600
Applicable income taxes	$60,000	10,220
Income before extraordinary items	$113,000	11,240
Extraordinary gains, net	$0	249
Net income	$113,000	11,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$113,000	11,283
1993-12-31 (YTD Data)		Rank
Total interest income	$490,000	13,066
Total interest expense	$253,000	12,831
Net interest income	$237,000	13,095
Provision for loan and lease losses	$3,000	10,228
Total noninterest income	$27,000	12,981
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,981
Total noninterest expense	$202,000	13,174
Salaries and employee benefits	$65,000	13,241
Premises and equipment expense	$10,000	13,209
Additional noninterest expense	$127,000	12,689
Pre-tax net operating income	$59,000	12,124
Securities gains (losses)	$0	7,477
Applicable income taxes	$21,000	11,584
Income before extraordinary items	$38,000	12,323
Extraordinary gains, net	$0	3,149
Net income	$38,000	12,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$38,000	12,186
1992-12-31 (YTD Data)		Rank
Total interest income	$627,000	13,580
Total interest expense	$397,000	13,192
Net interest income	$230,000	13,734
Provision for loan and lease losses	$2,000	11,664
Total noninterest income	$30,000	13,538
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	11,256
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	13,603
Total noninterest expense	$205,000	13,793
Salaries and employee benefits	$62,000	13,868
Premises and equipment expense	$10,000	13,841
Additional noninterest expense	$133,000	13,171
Pre-tax net operating income	$53,000	12,397
Securities gains (losses)	$0	8,369
Applicable income taxes	$18,000	12,166
Income before extraordinary items	$35,000	12,678
Extraordinary gains, net	$0	1,422
Net income	$35,000	12,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	10,870
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$35,000	12,431

* 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.