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The Junction City Banking Company, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$762,000	9,801
Total interest expense	$239,000	9,884
Net interest income	$523,000	9,646
Provision for loan and lease losses	$0	8,503
Total noninterest income	$21,000	9,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	8,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	10,002
Total noninterest expense	$423,000	9,824
Salaries and employee benefits	$215,000	9,855
Premises and equipment expense	$29,000	9,986
Additional noninterest expense	$179,000	9,243
Pre-tax net operating income	$121,000	8,974
Securities gains (losses)	$0	3,155
Applicable income taxes	$30,000	8,004
Income before extraordinary items	$91,000	9,030
Extraordinary gains, net	$0	35
Net income	$91,000	9,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	9,262
Cash dividends	$34,000	6,786
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$91,000	8,996
1998-12-31 (YTD Data)		Rank
Total interest income	$798,000	10,021
Total interest expense	$254,000	10,120
Net interest income	$544,000	9,838
Provision for loan and lease losses	$0	8,652
Total noninterest income	$21,000	10,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	8,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	9,789
Total noninterest expense	$395,000	10,067
Salaries and employee benefits	$227,000	9,981
Premises and equipment expense	$24,000	10,263
Additional noninterest expense	$144,000	9,718
Pre-tax net operating income	$170,000	9,068
Securities gains (losses)	$0	4,449
Applicable income taxes	$53,000	8,285
Income before extraordinary items	$117,000	9,214
Extraordinary gains, net	$0	32
Net income	$117,000	9,214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,285
Cash dividends	$34,000	7,091
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$117,000	9,140
1997-12-31 (YTD Data)		Rank
Total interest income	$810,000	10,467
Total interest expense	$259,000	10,582
Net interest income	$551,000	10,284
Provision for loan and lease losses	$0	8,829
Total noninterest income	$35,000	10,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	9,039
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	10,359
Total noninterest expense	$390,000	10,503
Salaries and employee benefits	$267,000	10,162
Premises and equipment expense	$27,000	10,663
Additional noninterest expense	$96,000	10,560
Pre-tax net operating income	$196,000	9,593
Securities gains (losses)	$-16,000	10,264
Applicable income taxes	$36,000	9,472
Income before extraordinary items	$144,000	9,640
Extraordinary gains, net	$0	44
Net income	$144,000	9,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-48,000	10,525
Cash dividends	$34,000	7,426
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$156,800	9,483
1996-12-31 (YTD Data)		Rank
Total interest income	$799,000	11,025
Total interest expense	$255,000	11,156
Net interest income	$544,000	10,787
Provision for loan and lease losses	$0	9,041
Total noninterest income	$40,000	11,011
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	9,437
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,823
Total noninterest expense	$366,000	11,073
Salaries and employee benefits	$245,000	10,744
Premises and equipment expense	$18,000	11,323
Additional noninterest expense	$103,000	11,063
Pre-tax net operating income	$218,000	9,680
Securities gains (losses)	$0	4,148
Applicable income taxes	$59,000	9,531
Income before extraordinary items	$159,000	9,703
Extraordinary gains, net	$0	53
Net income	$159,000	9,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,970
Cash dividends	$30,000	7,843
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$159,000	9,640
1995-12-31 (YTD Data)		Rank
Total interest income	$817,000	11,497
Total interest expense	$263,000	11,648
Net interest income	$554,000	11,253
Provision for loan and lease losses	$-80,000	11,668
Total noninterest income	$32,000	11,623
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	9,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,654
Total noninterest expense	$391,000	11,455
Salaries and employee benefits	$258,000	11,095
Premises and equipment expense	$28,000	11,660
Additional noninterest expense	$105,000	11,565
Pre-tax net operating income	$275,000	9,940
Securities gains (losses)	$-38,000	11,009
Applicable income taxes	$75,000	9,683
Income before extraordinary items	$162,000	10,346
Extraordinary gains, net	$0	65
Net income	$162,000	10,349
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,260
Cash dividends	$30,000	8,164
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$187,840	10,040
1994-12-31 (YTD Data)		Rank
Total interest income	$824,000	12,031
Total interest expense	$224,000	12,276
Net interest income	$600,000	11,704
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$35,000	12,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,401
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	12,207
Total noninterest expense	$380,000	12,114
Salaries and employee benefits	$243,000	11,724
Premises and equipment expense	$28,000	12,262
Additional noninterest expense	$109,000	12,220
Pre-tax net operating income	$195,000	10,930
Securities gains (losses)	$-19,000	10,292
Applicable income taxes	$52,000	10,415
Income before extraordinary items	$124,000	11,114
Extraordinary gains, net	$0	249
Net income	$124,000	11,121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$28,000	8,423
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$137,300	11,026
1993-12-31 (YTD Data)		Rank
Total interest income	$806,000	12,666
Total interest expense	$222,000	12,928
Net interest income	$584,000	12,283
Provision for loan and lease losses	$65,000	6,791
Total noninterest income	$36,000	12,849
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	12,819
Total noninterest expense	$355,000	12,813
Salaries and employee benefits	$225,000	12,412
Premises and equipment expense	$27,000	12,925
Additional noninterest expense	$103,000	12,900
Pre-tax net operating income	$200,000	11,037
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$73,000	10,384
Income before extraordinary items	$129,000	11,471
Extraordinary gains, net	$0	3,149
Net income	$131,000	11,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$28,000	8,510
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$127,720	11,269
1992-12-31 (YTD Data)		Rank
Total interest income	$882,000	13,225
Total interest expense	$270,000	13,555
Net interest income	$612,000	12,669
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$39,000	13,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	11,127
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	13,290
Total noninterest expense	$343,000	13,427
Salaries and employee benefits	$219,000	12,944
Premises and equipment expense	$22,000	13,625
Additional noninterest expense	$102,000	13,505
Pre-tax net operating income	$188,000	11,187
Securities gains (losses)	$0	8,369
Applicable income taxes	$54,000	11,145
Income before extraordinary items	$134,000	11,487
Extraordinary gains, net	$0	1,422
Net income	$134,000	11,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	9,510
Cash dividends	$28,000	8,296
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$134,000	11,167

* 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.