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The Rochester Community Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$298,579,000	194
Total interest expense	$166,098,000	177
Net interest income	$132,481,000	220
Provision for loan and lease losses	$14,204,000	167
Total noninterest income	$87,428,000	166
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$4,670,000	331
Trading account gains and fees	$0	262
Additional Noninterest Income	$82,758,000	125
Total noninterest expense	$147,293,000	185
Salaries and employee benefits	$72,768,000	146
Premises and equipment expense	$18,399,000	180
Additional noninterest expense	$56,126,000	222
Pre-tax net operating income	$58,412,000	221
Securities gains (losses)	$1,900,000	159
Applicable income taxes	$18,188,000	241
Income before extraordinary items	$42,124,000	216
Extraordinary gains, net	$0	53
Net income	$42,124,000	216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,746,000	180
Cash dividends	$95,257,000	89
Sale, conversion, retirement of capital stock, net	$1,127,000	358
Net operating income	$40,794,000	218
1995-12-31 (YTD Data)		Rank
Total interest income	$277,845,000	214
Total interest expense	$152,164,000	200
Net interest income	$125,681,000	228
Provision for loan and lease losses	$7,589,000	232
Total noninterest income	$75,683,000	174
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$4,468,000	370
Trading account gains and fees	$0	522
Additional Noninterest Income	$71,215,000	124
Total noninterest expense	$134,415,000	197
Salaries and employee benefits	$61,471,000	167
Premises and equipment expense	$17,938,000	185
Additional noninterest expense	$55,006,000	224
Pre-tax net operating income	$59,360,000	237
Securities gains (losses)	$344,000	464
Applicable income taxes	$13,283,000	308
Income before extraordinary items	$46,421,000	203
Extraordinary gains, net	$0	65
Net income	$46,421,000	202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,675,000	225
Cash dividends	$19,407,000	261
Sale, conversion, retirement of capital stock, net	$2,450,000	187
Net operating income	$46,152,680	204
1994-12-31 (YTD Data)		Rank
Total interest income	$230,689,000	226
Total interest expense	$118,425,000	201
Net interest income	$112,264,000	253
Provision for loan and lease losses	$10,402,000	189
Total noninterest income	$113,704,000	119
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$4,141,000	377
Trading account gains and fees	$0	475
Additional Noninterest Income	$109,563,000	83
Total noninterest expense	$143,167,000	186
Salaries and employee benefits	$66,242,000	154
Premises and equipment expense	$15,635,000	203
Additional noninterest expense	$61,290,000	196
Pre-tax net operating income	$72,399,000	184
Securities gains (losses)	$823,000	192
Applicable income taxes	$11,085,000	315
Income before extraordinary items	$62,137,000	155
Extraordinary gains, net	$0	249
Net income	$62,137,000	155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,330,000	207
Cash dividends	$8,026,000	403
Sale, conversion, retirement of capital stock, net	$2,495,000	275
Net operating income	$61,437,450	160
1993-12-31 (YTD Data)		Rank
Total interest income	$202,735,000	231
Total interest expense	$114,960,000	175
Net interest income	$87,775,000	286
Provision for loan and lease losses	$11,813,000	247
Total noninterest income	$112,119,000	112
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$4,125,000	371
Trading account gains and fees	$0	532
Additional Noninterest Income	$107,994,000	76
Total noninterest expense	$229,951,000	116
Salaries and employee benefits	$78,645,000	121
Premises and equipment expense	$15,037,000	208
Additional noninterest expense	$136,269,000	95
Pre-tax net operating income	$-41,870,000	13,302
Securities gains (losses)	$6,091,000	127
Applicable income taxes	$17,373,000	204
Income before extraordinary items	$-53,152,000	13,265
Extraordinary gains, net	$0	3,149
Net income	$-53,152,000	13,264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,368,000	157
Cash dividends	$2,833,000	762
Sale, conversion, retirement of capital stock, net	$73,168,000	21
Net operating income	$-59,243,000	13,267
1992-12-31 (YTD Data)		Rank
Total interest income	$224,069,000	229
Total interest expense	$155,411,000	157
Net interest income	$68,658,000	347
Provision for loan and lease losses	$10,512,000	353
Total noninterest income	$127,723,000	94
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$4,019,000	375
Trading account gains and fees	$0	504
Additional Noninterest Income	$123,704,000	52
Total noninterest expense	$177,618,000	141
Salaries and employee benefits	$73,992,000	123
Premises and equipment expense	$16,025,000	194
Additional noninterest expense	$87,601,000	138
Pre-tax net operating income	$8,251,000	777
Securities gains (losses)	$18,723,000	67
Applicable income taxes	$4,548,000	523
Income before extraordinary items	$22,426,000	254
Extraordinary gains, net	$0	1,422
Net income	$22,426,000	253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,538,000	307
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$1,166,000	391
Net operating income	$6,885,910	631

* 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.