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The Planters Bank & Trust Company, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,317,000	9,512
Total interest expense	$681,000	9,231
Net interest income	$636,000	9,645
Provision for loan and lease losses	$32,000	7,261
Total noninterest income	$118,000	8,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	7,058
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,114
Total noninterest expense	$629,000	9,339
Salaries and employee benefits	$339,000	9,368
Premises and equipment expense	$87,000	8,995
Additional noninterest expense	$203,000	9,083
Pre-tax net operating income	$93,000	9,441
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$12,000	9,035
Income before extraordinary items	$85,000	9,437
Extraordinary gains, net	$0	32
Net income	$85,000	9,438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,386
Cash dividends	$38,000	7,049
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$81,480	9,393
1997-12-31 (YTD Data)		Rank
Total interest income	$1,133,000	10,156
Total interest expense	$549,000	9,971
Net interest income	$584,000	10,216
Provision for loan and lease losses	$24,000	7,686
Total noninterest income	$81,000	9,741
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	8,290
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$594,000	9,772
Salaries and employee benefits	$297,000	9,974
Premises and equipment expense	$82,000	9,385
Additional noninterest expense	$215,000	9,221
Pre-tax net operating income	$47,000	10,255
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$0	10,065
Income before extraordinary items	$48,000	10,249
Extraordinary gains, net	$0	44
Net income	$48,000	10,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$38,000	7,383
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$47,000	10,216
1996-12-31 (YTD Data)		Rank
Total interest income	$1,045,000	10,755
Total interest expense	$469,000	10,686
Net interest income	$576,000	10,716
Provision for loan and lease losses	$16,000	8,168
Total noninterest income	$53,000	10,797
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$510,000	10,547
Salaries and employee benefits	$286,000	10,464
Premises and equipment expense	$51,000	10,608
Additional noninterest expense	$173,000	10,254
Pre-tax net operating income	$103,000	10,348
Securities gains (losses)	$0	4,148
Applicable income taxes	$17,000	10,255
Income before extraordinary items	$86,000	10,348
Extraordinary gains, net	$0	53
Net income	$86,000	10,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$38,000	7,752
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$86,000	10,302
1995-12-31 (YTD Data)		Rank
Total interest income	$1,039,000	11,215
Total interest expense	$494,000	11,032
Net interest income	$545,000	11,288
Provision for loan and lease losses	$8,000	8,490
Total noninterest income	$60,000	11,165
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	9,304
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	11,383
Total noninterest expense	$459,000	11,197
Salaries and employee benefits	$261,000	11,075
Premises and equipment expense	$48,000	11,142
Additional noninterest expense	$150,000	11,048
Pre-tax net operating income	$138,000	10,846
Securities gains (losses)	$-36,000	10,960
Applicable income taxes	$17,000	10,802
Income before extraordinary items	$85,000	11,058
Extraordinary gains, net	$0	65
Net income	$85,000	11,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$38,000	8,029
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$114,880	10,769
1994-12-31 (YTD Data)		Rank
Total interest income	$820,000	12,036
Total interest expense	$380,000	11,686
Net interest income	$440,000	12,156
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$62,000	11,679
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	9,692
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	11,965
Total noninterest expense	$433,000	11,893
Salaries and employee benefits	$239,000	11,761
Premises and equipment expense	$39,000	12,012
Additional noninterest expense	$155,000	11,730
Pre-tax net operating income	$64,000	11,835
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$8,000	11,420
Income before extraordinary items	$55,000	11,770
Extraordinary gains, net	$0	249
Net income	$55,000	11,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$38,000	8,235
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$55,870	11,811
1993-12-31 (YTD Data)		Rank
Total interest income	$862,000	12,559
Total interest expense	$364,000	12,383
Net interest income	$498,000	12,558
Provision for loan and lease losses	$5,000	10,098
Total noninterest income	$54,000	12,434
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	10,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$456,000	12,384
Salaries and employee benefits	$252,000	12,167
Premises and equipment expense	$42,000	12,473
Additional noninterest expense	$162,000	12,256
Pre-tax net operating income	$91,000	11,918
Securities gains (losses)	$19,000	4,737
Applicable income taxes	$24,000	11,523
Income before extraordinary items	$86,000	11,942
Extraordinary gains, net	$0	3,149
Net income	$86,000	11,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	9,293
Cash dividends	$37,000	8,299
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$71,180	11,922
1992-12-31 (YTD Data)		Rank
Total interest income	$1,057,000	12,914
Total interest expense	$478,000	12,849
Net interest income	$579,000	12,803
Provision for loan and lease losses	$5,000	11,499
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	10,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	13,214
Total noninterest expense	$443,000	12,939
Salaries and employee benefits	$243,000	12,676
Premises and equipment expense	$47,000	12,796
Additional noninterest expense	$153,000	12,907
Pre-tax net operating income	$183,000	11,235
Securities gains (losses)	$0	8,369
Applicable income taxes	$56,000	11,086
Income before extraordinary items	$127,000	11,587
Extraordinary gains, net	$0	1,422
Net income	$127,000	11,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$38,000	8,042
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$127,000	11,263

* 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.