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The Merchants & Planters Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$103,000	10,179
Total interest expense	$46,000	10,106
Net interest income	$57,000	10,188
Provision for loan and lease losses	$0	8,503
Total noninterest income	$7,000	10,085
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	8,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	10,068
Total noninterest expense	$53,000	10,212
Salaries and employee benefits	$15,000	10,201
Premises and equipment expense	$27,000	10,017
Additional noninterest expense	$11,000	10,211
Pre-tax net operating income	$11,000	9,368
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$11,000	9,408
Extraordinary gains, net	$0	35
Net income	$11,000	9,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$11,000	9,378
1998-12-31 (YTD Data)		Rank
Total interest income	$1,938,000	8,760
Total interest expense	$825,000	8,873
Net interest income	$1,113,000	8,545
Provision for loan and lease losses	$24,000	7,567
Total noninterest income	$175,000	7,888
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	7,438
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,607
Total noninterest expense	$745,000	8,957
Salaries and employee benefits	$498,000	8,369
Premises and equipment expense	$54,000	9,724
Additional noninterest expense	$193,000	9,189
Pre-tax net operating income	$519,000	7,272
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$141,000	6,963
Income before extraordinary items	$382,000	7,329
Extraordinary gains, net	$0	32
Net income	$382,000	7,326
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,860
Cash dividends	$65,000	6,687
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$379,080	7,267
1997-12-31 (YTD Data)		Rank
Total interest income	$1,791,000	9,292
Total interest expense	$723,000	9,486
Net interest income	$1,068,000	9,022
Provision for loan and lease losses	$0	8,829
Total noninterest income	$115,000	9,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,828
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,733
Total noninterest expense	$717,000	9,340
Salaries and employee benefits	$476,000	8,776
Premises and equipment expense	$60,000	9,951
Additional noninterest expense	$181,000	9,661
Pre-tax net operating income	$466,000	8,109
Securities gains (losses)	$7,000	2,566
Applicable income taxes	$140,000	7,754
Income before extraordinary items	$333,000	8,127
Extraordinary gains, net	$0	44
Net income	$333,000	8,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,017
Cash dividends	$65,000	6,979
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$328,100	8,118
1996-12-31 (YTD Data)		Rank
Total interest income	$1,601,000	9,974
Total interest expense	$670,000	10,061
Net interest income	$931,000	9,753
Provision for loan and lease losses	$0	9,041
Total noninterest income	$103,000	9,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	8,297
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,653
Total noninterest expense	$659,000	9,959
Salaries and employee benefits	$422,000	9,455
Premises and equipment expense	$64,000	10,248
Additional noninterest expense	$173,000	10,254
Pre-tax net operating income	$375,000	8,657
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$114,000	8,499
Income before extraordinary items	$263,000	8,721
Extraordinary gains, net	$0	53
Net income	$263,000	8,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	5,120
Cash dividends	$50,000	7,494
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$261,600	8,675
1995-12-31 (YTD Data)		Rank
Total interest income	$1,381,000	10,715
Total interest expense	$534,000	10,905
Net interest income	$847,000	10,392
Provision for loan and lease losses	$0	8,958
Total noninterest income	$105,000	10,171
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	8,644
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	9,923
Total noninterest expense	$629,000	10,455
Salaries and employee benefits	$387,000	10,042
Premises and equipment expense	$63,000	10,685
Additional noninterest expense	$179,000	10,702
Pre-tax net operating income	$323,000	9,589
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$98,000	9,217
Income before extraordinary items	$228,000	9,634
Extraordinary gains, net	$0	65
Net income	$228,000	9,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,236
Cash dividends	$50,000	7,734
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$225,900	9,629
1994-12-31 (YTD Data)		Rank
Total interest income	$1,184,000	11,384
Total interest expense	$409,000	11,534
Net interest income	$775,000	11,136
Provision for loan and lease losses	$0	9,146
Total noninterest income	$100,000	10,747
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	9,072
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	10,653
Total noninterest expense	$581,000	11,223
Salaries and employee benefits	$342,000	10,830
Premises and equipment expense	$62,000	11,231
Additional noninterest expense	$177,000	11,439
Pre-tax net operating income	$294,000	10,177
Securities gains (losses)	$5,000	2,624
Applicable income taxes	$90,000	9,572
Income before extraordinary items	$209,000	10,175
Extraordinary gains, net	$0	249
Net income	$209,000	10,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	11,294
Cash dividends	$35,000	8,283
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$205,500	10,261
1993-12-31 (YTD Data)		Rank
Total interest income	$1,174,000	11,942
Total interest expense	$391,000	12,266
Net interest income	$783,000	11,566
Provision for loan and lease losses	$0	10,371
Total noninterest income	$104,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	10,391
Total noninterest expense	$568,000	11,811
Salaries and employee benefits	$329,000	11,369
Premises and equipment expense	$59,000	11,888
Additional noninterest expense	$180,000	12,017
Pre-tax net operating income	$319,000	10,090
Securities gains (losses)	$12,000	5,266
Applicable income taxes	$99,000	9,774
Income before extraordinary items	$232,000	10,252
Extraordinary gains, net	$0	3,149
Net income	$232,000	10,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	11,177
Cash dividends	$35,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$223,600	10,127
1992-12-31 (YTD Data)		Rank
Total interest income	$1,256,000	12,487
Total interest expense	$487,000	12,827
Net interest income	$769,000	12,033
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	$55,000	10,113
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	11,059
Total noninterest expense	$562,000	12,292
Salaries and employee benefits	$318,000	11,817
Premises and equipment expense	$66,000	12,026
Additional noninterest expense	$178,000	12,547
Pre-tax net operating income	$302,000	10,119
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$91,000	10,135
Income before extraordinary items	$224,000	10,262
Extraordinary gains, net	$0	1,422
Net income	$224,000	10,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	10,255
Cash dividends	$25,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$214,770	10,049

* 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.