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BARTELSO SAVINGS BANK, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,279,0006,120
Total interest expense$2,718,0004,947
Net interest income$1,561,0007,471
Provision for loan and lease losses$33,0007,151
Total noninterest income$86,0009,039
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$68,0007,398
Trading account gains and feesNANA
Additional Noninterest Income$18,0009,339
Total noninterest expense$608,0009,297
Salaries and employee benefits$360,0009,125
Premises and equipment expense$112,0008,385
Additional noninterest expense$136,0009,638
Pre-tax net operating income$1,006,0005,295
Securities gains (losses)$03,155
Applicable income taxes$292,0004,875
Income before extraordinary items$714,0005,401
Extraordinary gains, net$035
Net income$714,0005,398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,500
Cash dividends$175,0005,438
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$714,0005,370
1998-12-31 (YTD Data)Rank
Total interest income$3,894,0006,568
Total interest expense$2,397,0005,521
Net interest income$1,497,0007,692
Provision for loan and lease losses$18,0007,833
Total noninterest income$88,0009,223
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$65,0007,657
Trading account gains and feesNANA
Additional Noninterest Income$23,0009,338
Total noninterest expense$635,0009,321
Salaries and employee benefits$379,0009,097
Premises and equipment expense$122,0008,215
Additional noninterest expense$134,0009,807
Pre-tax net operating income$932,0005,630
Securities gains (losses)$2,0003,909
Applicable income taxes$272,0005,438
Income before extraordinary items$662,0005,757
Extraordinary gains, net$032
Net income$662,0005,756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,871
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$660,5805,662
1997-12-31 (YTD Data)Rank
Total interest income$3,610,0007,050
Total interest expense$2,159,0005,959
Net interest income$1,451,0008,099
Provision for loan and lease losses$65,0006,037
Total noninterest income$103,0009,351
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$92,0007,377
Trading account gains and feesNANA
Additional Noninterest Income$11,00010,359
Total noninterest expense$575,0009,845
Salaries and employee benefits$353,0009,574
Premises and equipment expense$108,0008,773
Additional noninterest expense$114,00010,407
Pre-tax net operating income$914,0006,103
Securities gains (losses)$03,944
Applicable income taxes$268,0006,058
Income before extraordinary items$646,0006,135
Extraordinary gains, net$044
Net income$646,0006,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,640
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$646,0006,087
1996-12-31 (YTD Data)Rank
Total interest income$2,986,0008,012
Total interest expense$1,766,0006,914
Net interest income$1,220,0008,989
Provision for loan and lease losses$93,0005,288
Total noninterest income$104,0009,819
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0007,775
Trading account gains and feesNANA
Additional Noninterest Income$16,00010,642
Total noninterest expense$455,00010,767
Salaries and employee benefits$259,00010,663
Premises and equipment expense$80,0009,811
Additional noninterest expense$116,00010,939
Pre-tax net operating income$776,0006,599
Securities gains (losses)$04,148
Applicable income taxes$212,0006,957
Income before extraordinary items$564,0006,483
Extraordinary gains, net$053
Net income$564,0006,486
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,320
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$564,0006,415
1995-12-31 (YTD Data)Rank
Total interest income$2,586,0008,830
Total interest expense$1,533,0007,604
Net interest income$1,053,0009,769
Provision for loan and lease losses$08,958
Total noninterest income$88,00010,550
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$74,0008,484
Trading account gains and feesNANA
Additional Noninterest Income$14,00011,268
Total noninterest expense$441,00011,279
Salaries and employee benefits$228,00011,317
Premises and equipment expense$80,00010,197
Additional noninterest expense$133,00011,278
Pre-tax net operating income$700,0007,329
Securities gains (losses)$03,831
Applicable income taxes$190,0007,597
Income before extraordinary items$510,0007,172
Extraordinary gains, net$065
Net income$510,0007,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,00010,260
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$510,0007,146
1994-12-31 (YTD Data)Rank
Total interest income$2,222,0009,390
Total interest expense$1,198,0007,908
Net interest income$1,024,00010,316
Provision for loan and lease losses$09,146
Total noninterest income$59,00011,739
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$49,0009,727
Trading account gains and feesNANA
Additional Noninterest Income$10,00012,083
Total noninterest expense$448,00011,844
Salaries and employee benefits$221,00011,918
Premises and equipment expense$71,00010,948
Additional noninterest expense$156,00011,716
Pre-tax net operating income$635,0007,804
Securities gains (losses)$19,0001,821
Applicable income taxes$159,0008,133
Income before extraordinary items$495,0007,360
Extraordinary gains, net$0249
Net income$495,0007,364
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,00010,986
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$480,5607,498
1993-12-31 (YTD Data)Rank
Total interest income$2,129,0009,931
Total interest expense$1,153,0008,472
Net interest income$976,00010,869
Provision for loan and lease losses$15,0009,365
Total noninterest income$58,00012,338
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0009,975
Trading account gains and feesNANA
Additional Noninterest Income$6,00012,981
Total noninterest expense$432,00012,501
Salaries and employee benefits$208,00012,561
Premises and equipment expense$81,00011,115
Additional noninterest expense$143,00012,505
Pre-tax net operating income$587,0008,028
Securities gains (losses)$07,477
Applicable income taxes$177,0008,072
Income before extraordinary items$410,0008,327
Extraordinary gains, net$03,149
Net income$410,0008,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0006,716
Cash dividends$16,0008,758
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$410,0008,054
1992-12-31 (YTD Data)Rank
Total interest income$2,034,00010,836
Total interest expense$1,156,0009,771
Net interest income$878,00011,601
Provision for loan and lease losses$011,756
Total noninterest income$65,00012,707
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$45,00010,514
Trading account gains and feesNANA
Additional Noninterest Income$20,00012,557
Total noninterest expense$387,00013,229
Salaries and employee benefits$187,00013,277
Premises and equipment expense$73,00011,760
Additional noninterest expense$127,00013,245
Pre-tax net operating income$556,0008,021
Securities gains (losses)$08,369
Applicable income taxes$183,0007,908
Income before extraordinary items$373,0008,482
Extraordinary gains, net$01,422
Net income$373,0008,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0008,849
Cash dividends$45,0007,841
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$373,0008,124

* 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.