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The Talco State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,581,000	10,002
Total interest expense	$663,000	10,086
Net interest income	$918,000	9,790
Provision for loan and lease losses	$26,000	7,618
Total noninterest income	$177,000	8,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	6,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,981
Total noninterest expense	$717,000	9,749
Salaries and employee benefits	$347,000	9,984
Premises and equipment expense	$106,000	9,125
Additional noninterest expense	$264,000	9,251
Pre-tax net operating income	$352,000	8,796
Securities gains (losses)	$0	4,148
Applicable income taxes	$123,000	8,345
Income before extraordinary items	$229,000	9,009
Extraordinary gains, net	$0	53
Net income	$229,000	9,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,694
Cash dividends	$175,000	5,723
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$229,000	8,949
1995-12-31 (YTD Data)		Rank
Total interest income	$1,503,000	10,525
Total interest expense	$593,000	10,690
Net interest income	$910,000	10,212
Provision for loan and lease losses	$18,000	7,795
Total noninterest income	$204,000	8,359
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	6,984
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,396
Total noninterest expense	$738,000	10,042
Salaries and employee benefits	$345,000	10,374
Premises and equipment expense	$94,000	9,797
Additional noninterest expense	$299,000	9,249
Pre-tax net operating income	$358,000	9,338
Securities gains (losses)	$0	3,831
Applicable income taxes	$120,000	8,792
Income before extraordinary items	$238,000	9,523
Extraordinary gains, net	$0	65
Net income	$238,000	9,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$175,000	5,792
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$238,000	9,507
1994-12-31 (YTD Data)		Rank
Total interest income	$1,259,000	11,223
Total interest expense	$387,000	11,655
Net interest income	$872,000	10,822
Provision for loan and lease losses	$38,000	6,695
Total noninterest income	$184,000	9,030
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	7,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$732,000	10,552
Salaries and employee benefits	$342,000	10,830
Premises and equipment expense	$99,000	10,067
Additional noninterest expense	$291,000	10,061
Pre-tax net operating income	$286,000	10,231
Securities gains (losses)	$0	3,600
Applicable income taxes	$92,000	9,543
Income before extraordinary items	$194,000	10,341
Extraordinary gains, net	$0	249
Net income	$194,000	10,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,088
Cash dividends	$165,000	5,872
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$194,000	10,385
1993-12-31 (YTD Data)		Rank
Total interest income	$1,223,000	11,840
Total interest expense	$368,000	12,368
Net interest income	$855,000	11,327
Provision for loan and lease losses	$26,000	8,647
Total noninterest income	$190,000	9,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	7,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,038
Total noninterest expense	$716,000	11,085
Salaries and employee benefits	$323,000	11,420
Premises and equipment expense	$115,000	9,950
Additional noninterest expense	$278,000	10,714
Pre-tax net operating income	$303,000	10,211
Securities gains (losses)	$0	7,477
Applicable income taxes	$102,000	9,679
Income before extraordinary items	$201,000	10,646
Extraordinary gains, net	$0	3,149
Net income	$201,000	10,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	7,153
Cash dividends	$145,000	6,191
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$201,000	10,418
1992-12-31 (YTD Data)		Rank
Total interest income	$1,335,000	12,318
Total interest expense	$509,000	12,725
Net interest income	$826,000	11,807
Provision for loan and lease losses	$39,000	9,563
Total noninterest income	$166,000	10,133
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	7,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	11,113
Total noninterest expense	$739,000	11,312
Salaries and employee benefits	$288,000	12,154
Premises and equipment expense	$127,000	9,784
Additional noninterest expense	$324,000	10,509
Pre-tax net operating income	$214,000	10,938
Securities gains (losses)	$0	8,369
Applicable income taxes	$53,000	11,175
Income before extraordinary items	$161,000	11,115
Extraordinary gains, net	$0	1,422
Net income	$161,000	11,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	7,838
Cash dividends	$130,000	6,040
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$161,000	10,778

* 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.