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Tri-State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,728,000	9,771
Total interest expense	$758,000	9,774
Net interest income	$970,000	9,636
Provision for loan and lease losses	$0	9,041
Total noninterest income	$165,000	8,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	6,857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$589,000	10,204
Salaries and employee benefits	$344,000	10,011
Premises and equipment expense	$63,000	10,274
Additional noninterest expense	$182,000	10,148
Pre-tax net operating income	$546,000	7,706
Securities gains (losses)	$0	4,148
Applicable income taxes	$139,000	8,045
Income before extraordinary items	$407,000	7,558
Extraordinary gains, net	$0	53
Net income	$407,000	7,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$79,000	7,079
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$407,000	7,506
1995-12-31 (YTD Data)		Rank
Total interest income	$1,610,000	10,330
Total interest expense	$663,000	10,437
Net interest income	$947,000	10,096
Provision for loan and lease losses	$0	8,958
Total noninterest income	$138,000	9,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,568
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,336
Total noninterest expense	$621,000	10,485
Salaries and employee benefits	$334,000	10,459
Premises and equipment expense	$69,000	10,506
Additional noninterest expense	$218,000	10,204
Pre-tax net operating income	$464,000	8,660
Securities gains (losses)	$0	3,831
Applicable income taxes	$129,000	8,642
Income before extraordinary items	$335,000	8,610
Extraordinary gains, net	$0	65
Net income	$335,000	8,614
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-57,000	11,526
Cash dividends	$79,000	7,221
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$335,000	8,582
1994-12-31 (YTD Data)		Rank
Total interest income	$1,437,000	10,859
Total interest expense	$538,000	10,917
Net interest income	$899,000	10,729
Provision for loan and lease losses	$0	9,146
Total noninterest income	$141,000	9,885
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	7,946
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$602,000	11,112
Salaries and employee benefits	$318,000	11,043
Premises and equipment expense	$84,000	10,524
Additional noninterest expense	$200,000	11,156
Pre-tax net operating income	$438,000	9,073
Securities gains (losses)	$0	3,600
Applicable income taxes	$108,000	9,171
Income before extraordinary items	$330,000	8,822
Extraordinary gains, net	$0	249
Net income	$330,000	8,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-72,000	12,079
Cash dividends	$79,000	7,364
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$330,000	8,882
1993-12-31 (YTD Data)		Rank
Total interest income	$1,367,000	11,525
Total interest expense	$564,000	11,341
Net interest income	$803,000	11,494
Provision for loan and lease losses	$0	10,371
Total noninterest income	$139,000	10,431
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	8,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,614
Total noninterest expense	$619,000	11,545
Salaries and employee benefits	$320,000	11,445
Premises and equipment expense	$102,000	10,386
Additional noninterest expense	$197,000	11,772
Pre-tax net operating income	$323,000	10,035
Securities gains (losses)	$0	7,477
Applicable income taxes	$77,000	10,286
Income before extraordinary items	$246,000	10,090
Extraordinary gains, net	$0	3,149
Net income	$246,000	10,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	5,636
Cash dividends	$53,000	7,881
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$246,000	9,846
1992-12-31 (YTD Data)		Rank
Total interest income	$1,500,000	11,975
Total interest expense	$699,000	11,816
Net interest income	$801,000	11,906
Provision for loan and lease losses	$62,000	8,472
Total noninterest income	$152,000	10,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	8,668
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,979
Total noninterest expense	$576,000	12,212
Salaries and employee benefits	$305,000	11,960
Premises and equipment expense	$84,000	11,345
Additional noninterest expense	$187,000	12,425
Pre-tax net operating income	$315,000	9,987
Securities gains (losses)	$0	8,369
Applicable income taxes	$88,000	10,227
Income before extraordinary items	$227,000	10,217
Extraordinary gains, net	$0	1,422
Net income	$227,000	10,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$66,000	7,319
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$227,000	9,869

* 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.