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Citizens State Bank of Walnut Grove, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,160,000	9,703
Total interest expense	$463,000	9,775
Net interest income	$697,000	9,498
Provision for loan and lease losses	$-70,000	10,292
Total noninterest income	$22,000	10,189
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	8,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	10,319
Total noninterest expense	$657,000	9,236
Salaries and employee benefits	$516,000	8,250
Premises and equipment expense	$16,000	10,353
Additional noninterest expense	$125,000	9,907
Pre-tax net operating income	$132,000	9,272
Securities gains (losses)	$0	4,449
Applicable income taxes	$30,000	8,700
Income before extraordinary items	$102,000	9,331
Extraordinary gains, net	$0	32
Net income	$102,000	9,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,720
Cash dividends	$421,000	3,884
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$102,000	9,260
1997-12-31 (YTD Data)		Rank
Total interest income	$1,238,000	10,011
Total interest expense	$481,000	10,141
Net interest income	$757,000	9,780
Provision for loan and lease losses	$0	8,829
Total noninterest income	$27,000	10,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,669
Total noninterest expense	$669,000	9,494
Salaries and employee benefits	$544,000	8,294
Premises and equipment expense	$15,000	10,810
Additional noninterest expense	$110,000	10,443
Pre-tax net operating income	$115,000	10,005
Securities gains (losses)	$0	3,944
Applicable income taxes	$18,000	9,756
Income before extraordinary items	$97,000	9,979
Extraordinary gains, net	$0	44
Net income	$97,000	9,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,408
Cash dividends	$137,000	6,062
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$97,000	9,936
1996-12-31 (YTD Data)		Rank
Total interest income	$1,236,000	10,476
Total interest expense	$505,000	10,584
Net interest income	$731,000	10,298
Provision for loan and lease losses	$0	9,041
Total noninterest income	$28,000	11,167
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	9,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,116
Total noninterest expense	$582,000	10,241
Salaries and employee benefits	$467,000	9,126
Premises and equipment expense	$12,000	11,368
Additional noninterest expense	$103,000	11,063
Pre-tax net operating income	$177,000	9,927
Securities gains (losses)	$0	4,148
Applicable income taxes	$40,000	9,864
Income before extraordinary items	$137,000	9,916
Extraordinary gains, net	$0	53
Net income	$137,000	9,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$132,000	6,255
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$137,000	9,862
1995-12-31 (YTD Data)		Rank
Total interest income	$1,218,000	10,956
Total interest expense	$471,000	11,129
Net interest income	$746,000	10,698
Provision for loan and lease losses	$0	8,958
Total noninterest income	$29,000	11,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	10,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	11,559
Total noninterest expense	$601,000	10,562
Salaries and employee benefits	$469,000	9,368
Premises and equipment expense	$32,000	11,571
Additional noninterest expense	$100,000	11,613
Pre-tax net operating income	$176,000	10,600
Securities gains (losses)	$0	3,831
Applicable income taxes	$44,000	10,292
Income before extraordinary items	$132,000	10,638
Extraordinary gains, net	$0	65
Net income	$132,000	10,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,875
Cash dividends	$99,000	6,889
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$132,000	10,612
1994-12-31 (YTD Data)		Rank
Total interest income	$1,115,000	11,502
Total interest expense	$402,000	11,573
Net interest income	$713,000	11,334
Provision for loan and lease losses	$0	9,146
Total noninterest income	$25,000	12,331
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	10,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,250
Total noninterest expense	$613,000	11,064
Salaries and employee benefits	$449,000	9,838
Premises and equipment expense	$40,000	11,980
Additional noninterest expense	$124,000	12,085
Pre-tax net operating income	$125,000	11,450
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$19,000	11,165
Income before extraordinary items	$100,000	11,384
Extraordinary gains, net	$0	249
Net income	$100,000	11,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	11,772
Cash dividends	$108,000	6,729
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$105,040	11,374
1993-12-31 (YTD Data)		Rank
Total interest income	$1,129,000	12,026
Total interest expense	$432,000	12,060
Net interest income	$697,000	11,889
Provision for loan and lease losses	$0	10,371
Total noninterest income	$23,000	13,031
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	11,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,927
Total noninterest expense	$597,000	11,671
Salaries and employee benefits	$436,000	10,283
Premises and equipment expense	$32,000	12,790
Additional noninterest expense	$129,000	12,671
Pre-tax net operating income	$123,000	11,697
Securities gains (losses)	$0	7,477
Applicable income taxes	$15,000	11,714
Income before extraordinary items	$108,000	11,719
Extraordinary gains, net	$0	3,149
Net income	$108,000	11,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-27,000	12,315
Cash dividends	$188,000	5,619
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$108,000	11,519
1992-12-31 (YTD Data)		Rank
Total interest income	$1,294,000	12,413
Total interest expense	$562,000	12,475
Net interest income	$732,000	12,178
Provision for loan and lease losses	$0	11,756
Total noninterest income	$107,000	11,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	11,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	8,327
Total noninterest expense	$586,000	12,148
Salaries and employee benefits	$420,000	10,630
Premises and equipment expense	$6,000	13,876
Additional noninterest expense	$160,000	12,788
Pre-tax net operating income	$253,000	10,574
Securities gains (losses)	$0	8,369
Applicable income taxes	$64,000	10,889
Income before extraordinary items	$189,000	10,749
Extraordinary gains, net	$0	1,422
Net income	$189,000	10,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	7,201
Cash dividends	$257,000	4,405
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$189,000	10,414

* 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.