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Boatmen's Bank of Vandalia, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,971,000	8,036
Total interest expense	$1,568,000	7,399
Net interest income	$1,403,000	8,507
Provision for loan and lease losses	$52,000	6,510
Total noninterest income	$198,000	8,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	7,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	7,023
Total noninterest expense	$826,000	9,333
Salaries and employee benefits	$453,000	9,225
Premises and equipment expense	$78,000	9,872
Additional noninterest expense	$295,000	8,937
Pre-tax net operating income	$723,000	6,828
Securities gains (losses)	$0	4,148
Applicable income taxes	$184,000	7,383
Income before extraordinary items	$539,000	6,626
Extraordinary gains, net	$0	53
Net income	$539,000	6,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,270
Cash dividends	$441,000	3,694
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$539,000	6,568
1995-12-31 (YTD Data)		Rank
Total interest income	$2,887,000	8,389
Total interest expense	$1,526,000	7,625
Net interest income	$1,361,000	8,903
Provision for loan and lease losses	$-100,000	11,704
Total noninterest income	$175,000	8,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	7,303
Total noninterest expense	$944,000	9,190
Salaries and employee benefits	$500,000	9,117
Premises and equipment expense	$74,000	10,376
Additional noninterest expense	$370,000	8,491
Pre-tax net operating income	$692,000	7,362
Securities gains (losses)	$0	3,831
Applicable income taxes	$166,000	7,998
Income before extraordinary items	$526,000	7,054
Extraordinary gains, net	$0	65
Net income	$526,000	7,053
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	11,076
Cash dividends	$499,000	3,397
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$526,000	7,035
1994-12-31 (YTD Data)		Rank
Total interest income	$2,659,000	8,634
Total interest expense	$1,197,000	7,914
Net interest income	$1,462,000	8,981
Provision for loan and lease losses	$-110,000	12,197
Total noninterest income	$150,000	9,703
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	7,880
Total noninterest expense	$942,000	9,583
Salaries and employee benefits	$497,000	9,418
Premises and equipment expense	$80,000	10,655
Additional noninterest expense	$365,000	9,181
Pre-tax net operating income	$780,000	6,971
Securities gains (losses)	$0	3,600
Applicable income taxes	$192,000	7,478
Income before extraordinary items	$588,000	6,632
Extraordinary gains, net	$0	249
Net income	$588,000	6,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-44,000	11,809
Cash dividends	$556,000	2,957
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$588,000	6,692
1993-12-31 (YTD Data)		Rank
Total interest income	$2,919,000	8,465
Total interest expense	$1,239,000	8,113
Net interest income	$1,680,000	8,553
Provision for loan and lease losses	$-400,000	13,148
Total noninterest income	$138,000	10,455
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	9,975
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	8,379
Total noninterest expense	$994,000	9,753
Salaries and employee benefits	$514,000	9,535
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$394,000	9,328
Pre-tax net operating income	$1,224,000	5,114
Securities gains (losses)	$8,000	5,699
Applicable income taxes	$346,000	5,550
Income before extraordinary items	$886,000	5,158
Extraordinary gains, net	$0	3,149
Net income	$886,000	5,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	12,163
Cash dividends	$829,000	2,076
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$880,240	4,956
1992-12-31 (YTD Data)		Rank
Total interest income	$3,512,000	8,166
Total interest expense	$1,689,000	7,920
Net interest income	$1,823,000	8,274
Provision for loan and lease losses	$6,000	11,435
Total noninterest income	$131,000	10,899
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	10,193
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	8,942
Total noninterest expense	$998,000	9,992
Salaries and employee benefits	$509,000	9,695
Premises and equipment expense	$78,000	11,557
Additional noninterest expense	$411,000	9,431
Pre-tax net operating income	$950,000	5,853
Securities gains (losses)	$0	8,369
Applicable income taxes	$226,000	7,072
Income before extraordinary items	$724,000	5,785
Extraordinary gains, net	$24,000	1,188
Net income	$748,000	5,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$681,000	2,187
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$724,000	5,441

* 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.