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Tomoka State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$5,526,000	5,503
Total interest expense	$2,193,000	6,064
Net interest income	$3,333,000	5,031
Provision for loan and lease losses	$280,000	2,725
Total noninterest income	$572,000	4,713
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$313,000	4,097
Trading account gains and fees	NA	NA
Additional Noninterest Income	$259,000	4,445
Total noninterest expense	$2,197,000	5,548
Salaries and employee benefits	$1,110,000	5,547
Premises and equipment expense	$308,000	5,488
Additional noninterest expense	$779,000	5,303
Pre-tax net operating income	$1,428,000	4,511
Securities gains (losses)	$16,000	2,154
Applicable income taxes	$498,000	4,160
Income before extraordinary items	$946,000	4,705
Extraordinary gains, net	$0	53
Net income	$946,000	4,706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	4,754
Cash dividends	$80,000	7,029
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$935,440	4,689
1995-12-31 (YTD Data)		Rank
Total interest income	$4,852,000	6,124
Total interest expense	$1,908,000	6,672
Net interest income	$2,944,000	5,580
Provision for loan and lease losses	$130,000	3,931
Total noninterest income	$613,000	4,494
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$281,000	4,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$332,000	3,756
Total noninterest expense	$2,039,000	5,898
Salaries and employee benefits	$1,028,000	5,919
Premises and equipment expense	$264,000	6,144
Additional noninterest expense	$747,000	5,548
Pre-tax net operating income	$1,388,000	4,723
Securities gains (losses)	$-40,000	11,046
Applicable income taxes	$512,000	4,121
Income before extraordinary items	$836,000	5,273
Extraordinary gains, net	$0	65
Net income	$836,000	5,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,478
Cash dividends	$45,000	7,893
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$861,600	5,151
1994-12-31 (YTD Data)		Rank
Total interest income	$3,692,000	7,081
Total interest expense	$1,544,000	6,768
Net interest income	$2,148,000	7,206
Provision for loan and lease losses	$82,000	4,991
Total noninterest income	$449,000	5,696
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$221,000	5,489
Trading account gains and fees	NA	NA
Additional Noninterest Income	$228,000	4,839
Total noninterest expense	$1,836,000	6,602
Salaries and employee benefits	$863,000	6,856
Premises and equipment expense	$245,000	6,609
Additional noninterest expense	$728,000	6,144
Pre-tax net operating income	$679,000	7,527
Securities gains (losses)	$5,000	2,624
Applicable income taxes	$227,000	6,901
Income before extraordinary items	$457,000	7,643
Extraordinary gains, net	$0	249
Net income	$457,000	7,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$92,000	7,085
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$453,650	7,727
1993-12-31 (YTD Data)		Rank
Total interest income	$2,975,000	8,377
Total interest expense	$1,501,000	7,202
Net interest income	$1,474,000	9,194
Provision for loan and lease losses	$62,000	6,899
Total noninterest income	$651,000	4,669
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$427,000	3,608
Total noninterest expense	$1,991,000	6,357
Salaries and employee benefits	$829,000	7,145
Premises and equipment expense	$218,000	7,325
Additional noninterest expense	$944,000	5,167
Pre-tax net operating income	$72,000	12,040
Securities gains (losses)	$97,000	2,547
Applicable income taxes	$37,000	11,224
Income before extraordinary items	$132,000	11,431
Extraordinary gains, net	$0	3,149
Net income	$132,000	11,497
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	7,509
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$56,340	12,056
1992-12-31 (YTD Data)		Rank
Total interest income	$2,887,000	9,174
Total interest expense	$1,664,000	7,997
Net interest income	$1,223,000	10,245
Provision for loan and lease losses	$101,000	7,218
Total noninterest income	$395,000	6,593
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	9,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$313,000	4,318
Total noninterest expense	$1,170,000	9,181
Salaries and employee benefits	$539,000	9,376
Premises and equipment expense	$190,000	8,078
Additional noninterest expense	$441,000	9,086
Pre-tax net operating income	$347,000	9,719
Securities gains (losses)	$60,000	3,829
Applicable income taxes	$109,000	9,667
Income before extraordinary items	$298,000	9,359
Extraordinary gains, net	$0	1,422
Net income	$298,000	9,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	9,962
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$254,200	9,495

* 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.