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Walton Bank & Trust Co., Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$5,403,000	5,455
Total interest expense	$2,429,000	5,658
Net interest income	$2,974,000	5,193
Provision for loan and lease losses	$130,000	4,683
Total noninterest income	$771,000	3,746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$462,000	2,904
Trading account gains and fees	NA	NA
Additional Noninterest Income	$309,000	3,852
Total noninterest expense	$1,933,000	5,797
Salaries and employee benefits	$1,048,000	5,742
Premises and equipment expense	$225,000	6,384
Additional noninterest expense	$660,000	5,415
Pre-tax net operating income	$1,682,000	3,752
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$586,000	3,158
Income before extraordinary items	$1,092,000	4,127
Extraordinary gains, net	$0	38
Net income	$1,092,000	4,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,794
Cash dividends	$225,000	4,932
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,094,600	4,123
1999-12-31 (YTD Data)		Rank
Total interest income	$4,266,000	6,136
Total interest expense	$1,771,000	6,418
Net interest income	$2,495,000	5,805
Provision for loan and lease losses	$65,000	6,026
Total noninterest income	$602,000	4,423
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$417,000	3,106
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,124
Total noninterest expense	$1,719,000	6,257
Salaries and employee benefits	$943,000	6,124
Premises and equipment expense	$206,000	6,718
Additional noninterest expense	$570,000	6,019
Pre-tax net operating income	$1,313,000	4,488
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$454,000	3,839
Income before extraordinary items	$860,000	4,870
Extraordinary gains, net	$0	35
Net income	$860,000	4,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,892
Cash dividends	$157,000	5,576
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$859,350	4,830
1998-12-31 (YTD Data)		Rank
Total interest income	$3,911,000	6,552
Total interest expense	$1,645,000	6,883
Net interest income	$2,266,000	6,187
Provision for loan and lease losses	$263,000	2,907
Total noninterest income	$498,000	4,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$372,000	3,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	6,085
Total noninterest expense	$1,507,000	6,671
Salaries and employee benefits	$761,000	6,858
Premises and equipment expense	$181,000	7,033
Additional noninterest expense	$565,000	5,987
Pre-tax net operating income	$994,000	5,432
Securities gains (losses)	$11,000	2,878
Applicable income taxes	$312,000	5,065
Income before extraordinary items	$693,000	5,649
Extraordinary gains, net	$0	32
Net income	$693,000	5,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,246
Cash dividends	$150,000	5,770
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$685,410	5,570
1997-12-31 (YTD Data)		Rank
Total interest income	$3,366,000	7,331
Total interest expense	$1,394,000	7,596
Net interest income	$1,972,000	6,971
Provision for loan and lease losses	$36,000	7,137
Total noninterest income	$422,000	5,550
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$326,000	3,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	6,891
Total noninterest expense	$1,307,000	7,314
Salaries and employee benefits	$713,000	7,245
Premises and equipment expense	$187,000	7,075
Additional noninterest expense	$407,000	7,294
Pre-tax net operating income	$1,051,000	5,678
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$396,000	4,911
Income before extraordinary items	$656,000	6,084
Extraordinary gains, net	$0	44
Net income	$656,000	6,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,540
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$655,360	6,044
1996-12-31 (YTD Data)		Rank
Total interest income	$3,105,000	7,877
Total interest expense	$1,280,000	8,160
Net interest income	$1,825,000	7,506
Provision for loan and lease losses	$22,000	7,876
Total noninterest income	$367,000	6,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$295,000	4,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	8,006
Total noninterest expense	$1,293,000	7,680
Salaries and employee benefits	$662,000	7,769
Premises and equipment expense	$151,000	8,033
Additional noninterest expense	$480,000	7,212
Pre-tax net operating income	$877,000	6,178
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$299,000	5,846
Income before extraordinary items	$576,000	6,421
Extraordinary gains, net	$0	53
Net income	$576,000	6,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$577,320	6,342
1995-12-31 (YTD Data)		Rank
Total interest income	$2,681,000	8,669
Total interest expense	$1,063,000	9,028
Net interest income	$1,618,000	8,222
Provision for loan and lease losses	$20,000	7,637
Total noninterest income	$270,000	7,436
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$222,000	5,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	9,325
Total noninterest expense	$1,126,000	8,479
Salaries and employee benefits	$590,000	8,426
Premises and equipment expense	$155,000	8,146
Additional noninterest expense	$381,000	8,387
Pre-tax net operating income	$742,000	7,104
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$260,000	6,512
Income before extraordinary items	$481,000	7,396
Extraordinary gains, net	$0	65
Net income	$481,000	7,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$481,650	7,355
1994-12-31 (YTD Data)		Rank
Total interest income	$2,114,000	9,580
Total interest expense	$706,000	10,059
Net interest income	$1,408,000	9,130
Provision for loan and lease losses	$34,000	6,932
Total noninterest income	$246,000	8,018
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$208,000	5,708
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	10,284
Total noninterest expense	$1,070,000	9,082
Salaries and employee benefits	$521,000	9,197
Premises and equipment expense	$167,000	8,151
Additional noninterest expense	$382,000	9,016
Pre-tax net operating income	$550,000	8,308
Securities gains (losses)	$0	3,600
Applicable income taxes	$187,000	7,575
Income before extraordinary items	$363,000	8,526
Extraordinary gains, net	$0	249
Net income	$363,000	8,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,783
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$363,000	8,569
1993-12-31 (YTD Data)		Rank
Total interest income	$1,864,000	10,465
Total interest expense	$691,000	10,636
Net interest income	$1,173,000	10,153
Provision for loan and lease losses	$32,000	8,327
Total noninterest income	$241,000	8,512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$209,000	5,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$1,023,000	9,638
Salaries and employee benefits	$483,000	9,835
Premises and equipment expense	$164,000	8,533
Additional noninterest expense	$376,000	9,528
Pre-tax net operating income	$359,000	9,737
Securities gains (losses)	$0	7,477
Applicable income taxes	$75,000	10,332
Income before extraordinary items	$284,000	9,645
Extraordinary gains, net	$0	3,149
Net income	$284,000	9,788
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$284,000	9,387
1992-12-31 (YTD Data)		Rank
Total interest income	$1,844,000	11,206
Total interest expense	$801,000	11,325
Net interest income	$1,043,000	10,924
Provision for loan and lease losses	$59,000	8,714
Total noninterest income	$208,000	9,264
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	6,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	11,113
Total noninterest expense	$972,000	10,103
Salaries and employee benefits	$459,000	10,213
Premises and equipment expense	$164,000	8,734
Additional noninterest expense	$349,000	10,204
Pre-tax net operating income	$220,000	10,887
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$152,000	11,242
Extraordinary gains, net	$70,000	889
Net income	$222,000	10,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$150,640	10,937

* 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.