CMS Case Study

LOAN INCOME RE INT INC INT INC INT INC INT INC INT INC INT INC

CONSUMER LOAN CONSTRUCTION LOANS COMMERCIAL LOANS ADJUSTABLE RATE -RE HOME EQUITY LOC - RE LOANS HELD FOR SALE

5,224.06 1 ,159.44 2 7,850.34

164,291.61

1,924,292.32

36,982.86 841, 480.67 -

395,690.40

9,630,159.94

1 ,739.20 2,069.94-

49,955.15 63,732.98

572,008.87 768,780.76

. 00 .OO

689.82

20,212.61-

QZAB LOAN TAX CREDIT ACCRUAL TOTAL INT INCOME RE LOANS TOTAL INTEREST INCOME LOANS

54,237.43

. 00

38,042.98 50,211.16-

1,102,895.66 1, 481,117.04

13 , 311,144. 90 - 17, 350, 028 . 60 -

LOAN FEE INCOME LOAN FEES-CONSUMER LOAN FEES-REAL ESTATE LOAN FEES-COMMERCIAL SBA LOAN ORIGINATION FEES

.00

6,660.00 50,925.37 - 14,625.59 84, 427.54

93,600.32 681, 409.49 - 188 , 344. 54 -

500.00 250.00-

.OO . 00 .OO . 00 .OO . 00 .OO

2,359,850.76 116,208.46

LATE CHARGES-CONSUMER LATE CHARGES-COMMERCIAL LATE CHARGES-LOC SKIP A PAYMENT FEES EXTENSION FEES LOC ANNUAL FEES DAILY OVERDRAFT FEE

8,884.29 3 ,428.19

6,122.83 6,507.15 2,730.00-

4 76.60

1,785.00-

.OO

. 00

1,350.00 4,883.75

20,152.71 40,909.7ei

157.50 907.50

TOTAL LOAN FEE INCOME TOTAL LOAN INCOME

177,446.33

3,515,835.96 20, 865 , 864. 56 -

51,118.66-

1,658,563.37

*SERVICE CHARGES/FEES ON DEPOSITS* *SERVICE CHARGES

SERV CHG SERV CHG SERV CHG SERV CHG SERV CHG SERV CHG

PERSONAL CHECKING INTEREST CHECKING BUSINESS CHECKING

.95

6,621.96 1,427.28 4,98L60

76,447.95 17,162.00 59,399.71 5,411.00

1,308.00-

.OO .00 .OO .OO .OO

BUSINESS INTEREST CK PERSONAL MONEY MARKET BUSINESS MONEY MARKET

443.75 30.00 64.00

240.00 842. €3a

SERV CHG BUSINESS SAVINGS

46.01-

133.01-