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Tri-County State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,461,000	6,445
Total interest expense	$2,120,000	6,185
Net interest income	$2,341,000	6,497
Provision for loan and lease losses	$93,000	5,288
Total noninterest income	$493,000	5,216
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$354,000	3,716
Trading account gains and fees	NA	NA
Additional Noninterest Income	$139,000	6,188
Total noninterest expense	$1,239,000	7,866
Salaries and employee benefits	$674,000	7,687
Premises and equipment expense	$117,000	8,867
Additional noninterest expense	$448,000	7,486
Pre-tax net operating income	$1,502,000	4,338
Securities gains (losses)	$-9,000	10,223
Applicable income taxes	$483,000	4,260
Income before extraordinary items	$1,010,000	4,465
Extraordinary gains, net	$0	53
Net income	$1,010,000	4,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	4,059
Cash dividends	$450,000	3,623
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,016,120	4,372
1995-12-31 (YTD Data)		Rank
Total interest income	$4,320,000	6,659
Total interest expense	$2,047,000	6,363
Net interest income	$2,273,000	6,744
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$447,000	5,570
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$307,000	4,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	6,186
Total noninterest expense	$1,403,000	7,573
Salaries and employee benefits	$673,000	7,905
Premises and equipment expense	$156,000	8,119
Additional noninterest expense	$574,000	6,696
Pre-tax net operating income	$1,305,000	4,955
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$409,000	4,875
Income before extraordinary items	$901,000	4,995
Extraordinary gains, net	$0	65
Net income	$901,000	4,994
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$1,575,000	1,463
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$897,550	4,988
1994-12-31 (YTD Data)		Rank
Total interest income	$3,862,000	6,873
Total interest expense	$1,517,000	6,841
Net interest income	$2,345,000	6,766
Provision for loan and lease losses	$12,000	8,270
Total noninterest income	$357,000	6,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$271,000	4,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	7,986
Total noninterest expense	$1,396,000	7,928
Salaries and employee benefits	$635,000	8,375
Premises and equipment expense	$175,000	7,968
Additional noninterest expense	$586,000	7,139
Pre-tax net operating income	$1,294,000	4,955
Securities gains (losses)	$-25,000	10,510
Applicable income taxes	$403,000	4,732
Income before extraordinary items	$866,000	5,049
Extraordinary gains, net	$0	249
Net income	$866,000	5,054
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,944
Cash dividends	$400,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$883,000	5,038
1993-12-31 (YTD Data)		Rank
Total interest income	$3,858,000	7,051
Total interest expense	$1,539,000	7,080
Net interest income	$2,319,000	6,899
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$290,000	7,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	5,619
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	9,036
Total noninterest expense	$1,346,000	8,349
Salaries and employee benefits	$596,000	8,831
Premises and equipment expense	$155,000	8,775
Additional noninterest expense	$595,000	7,388
Pre-tax net operating income	$1,251,000	5,027
Securities gains (losses)	$0	7,477
Applicable income taxes	$401,000	4,994
Income before extraordinary items	$850,000	5,311
Extraordinary gains, net	$250,000	838
Net income	$1,100,000	4,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	7,654
Cash dividends	$925,000	1,901
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$850,000	5,091
1992-12-31 (YTD Data)		Rank
Total interest income	$4,032,000	7,462
Total interest expense	$1,871,000	7,419
Net interest income	$2,161,000	7,344
Provision for loan and lease losses	$12,000	11,000
Total noninterest income	$320,000	7,458
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	6,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	7,138
Total noninterest expense	$1,356,000	8,461
Salaries and employee benefits	$545,000	9,320
Premises and equipment expense	$124,000	9,888
Additional noninterest expense	$687,000	6,839
Pre-tax net operating income	$1,113,000	5,212
Securities gains (losses)	$127,000	2,628
Applicable income taxes	$419,000	4,617
Income before extraordinary items	$821,000	5,256
Extraordinary gains, net	$0	1,422
Net income	$821,000	5,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	6,844
Cash dividends	$300,000	3,979
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$737,180	5,366

* 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.