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Woodford County Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,108,000	7,870
Total interest expense	$1,365,000	7,929
Net interest income	$1,743,000	7,678
Provision for loan and lease losses	$0	9,041
Total noninterest income	$355,000	6,377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$196,000	5,636
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	5,807
Total noninterest expense	$1,443,000	7,276
Salaries and employee benefits	$844,000	6,751
Premises and equipment expense	$135,000	8,405
Additional noninterest expense	$464,000	7,354
Pre-tax net operating income	$655,000	7,139
Securities gains (losses)	$0	4,148
Applicable income taxes	$157,000	7,776
Income before extraordinary items	$498,000	6,917
Extraordinary gains, net	$0	53
Net income	$498,000	6,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$190,000	5,589
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$498,000	6,852
1995-12-31 (YTD Data)		Rank
Total interest income	$3,112,000	8,052
Total interest expense	$1,266,000	8,384
Net interest income	$1,846,000	7,653
Provision for loan and lease losses	$0	8,958
Total noninterest income	$314,000	6,924
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$184,000	5,982
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	6,408
Total noninterest expense	$1,508,000	7,251
Salaries and employee benefits	$929,000	6,410
Premises and equipment expense	$123,000	8,962
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$652,000	7,575
Securities gains (losses)	$0	3,831
Applicable income taxes	$155,000	8,182
Income before extraordinary items	$497,000	7,278
Extraordinary gains, net	$0	65
Net income	$497,000	7,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	11,327
Cash dividends	$1,100,000	1,865
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$497,000	7,238
1994-12-31 (YTD Data)		Rank
Total interest income	$2,994,000	8,057
Total interest expense	$1,095,000	8,305
Net interest income	$1,899,000	7,806
Provision for loan and lease losses	$0	9,146
Total noninterest income	$294,000	7,323
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	6,445
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	6,824
Total noninterest expense	$1,439,000	7,794
Salaries and employee benefits	$842,000	6,965
Premises and equipment expense	$112,000	9,637
Additional noninterest expense	$485,000	8,002
Pre-tax net operating income	$754,000	7,108
Securities gains (losses)	$0	3,600
Applicable income taxes	$159,000	8,133
Income before extraordinary items	$595,000	6,585
Extraordinary gains, net	$0	249
Net income	$595,000	6,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	11,264
Cash dividends	$560,000	2,943
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$595,000	6,647
1993-12-31 (YTD Data)		Rank
Total interest income	$3,122,000	8,139
Total interest expense	$1,219,000	8,179
Net interest income	$1,903,000	7,946
Provision for loan and lease losses	$0	10,371
Total noninterest income	$323,000	7,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	6,355
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	6,740
Total noninterest expense	$1,458,000	7,969
Salaries and employee benefits	$821,000	7,194
Premises and equipment expense	$99,000	10,473
Additional noninterest expense	$538,000	7,877
Pre-tax net operating income	$768,000	6,983
Securities gains (losses)	$0	7,477
Applicable income taxes	$89,000	10,008
Income before extraordinary items	$679,000	6,246
Extraordinary gains, net	$0	3,149
Net income	$679,000	6,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-42,000	12,568
Cash dividends	$280,000	4,592
Sale, conversion, retirement of capital stock, net	$-652,000	13,244
Net operating income	$679,000	5,998
1992-12-31 (YTD Data)		Rank
Total interest income	$3,448,000	8,262
Total interest expense	$1,685,000	7,932
Net interest income	$1,763,000	8,458
Provision for loan and lease losses	$0	11,756
Total noninterest income	$284,000	7,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	6,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	7,922
Total noninterest expense	$1,436,000	8,152
Salaries and employee benefits	$817,000	7,153
Premises and equipment expense	$134,000	9,571
Additional noninterest expense	$485,000	8,600
Pre-tax net operating income	$611,000	7,628
Securities gains (losses)	$18,000	5,726
Applicable income taxes	$50,000	11,256
Income before extraordinary items	$579,000	6,713
Extraordinary gains, net	$0	1,422
Net income	$579,000	6,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-76,000	13,642
Cash dividends	$240,000	4,583
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$562,440	6,481

* 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.