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Clinton State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,799,000	6,114
Total interest expense	$2,141,000	6,141
Net interest income	$2,658,000	5,947
Provision for loan and lease losses	$132,000	4,386
Total noninterest income	$266,000	7,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	6,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	6,940
Total noninterest expense	$1,530,000	7,025
Salaries and employee benefits	$732,000	7,344
Premises and equipment expense	$179,000	7,451
Additional noninterest expense	$619,000	6,236
Pre-tax net operating income	$1,262,000	4,951
Securities gains (losses)	$0	4,148
Applicable income taxes	$465,000	4,391
Income before extraordinary items	$797,000	5,326
Extraordinary gains, net	$0	53
Net income	$797,000	5,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,536
Cash dividends	$750,000	2,610
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$797,000	5,260
1995-12-31 (YTD Data)		Rank
Total interest income	$4,623,000	6,326
Total interest expense	$2,121,000	6,231
Net interest income	$2,502,000	6,320
Provision for loan and lease losses	$8,000	8,490
Total noninterest income	$256,000	7,634
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	6,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	6,838
Total noninterest expense	$1,683,000	6,773
Salaries and employee benefits	$825,000	6,971
Premises and equipment expense	$199,000	7,213
Additional noninterest expense	$659,000	6,134
Pre-tax net operating income	$1,067,000	5,722
Securities gains (losses)	$0	3,831
Applicable income taxes	$383,000	5,099
Income before extraordinary items	$684,000	6,093
Extraordinary gains, net	$0	65
Net income	$684,000	6,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,672
Cash dividends	$1,400,000	1,583
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$684,000	6,058
1994-12-31 (YTD Data)		Rank
Total interest income	$4,189,000	6,480
Total interest expense	$1,686,000	6,367
Net interest income	$2,503,000	6,480
Provision for loan and lease losses	$30,000	7,083
Total noninterest income	$218,000	8,425
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	7,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	7,101
Total noninterest expense	$1,653,000	7,118
Salaries and employee benefits	$836,000	7,004
Premises and equipment expense	$152,000	8,497
Additional noninterest expense	$665,000	6,572
Pre-tax net operating income	$1,038,000	5,805
Securities gains (losses)	$0	3,600
Applicable income taxes	$361,000	5,140
Income before extraordinary items	$677,000	6,042
Extraordinary gains, net	$0	249
Net income	$677,000	6,056
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,618
Cash dividends	$400,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$677,000	6,120
1993-12-31 (YTD Data)		Rank
Total interest income	$4,147,000	6,698
Total interest expense	$1,553,000	7,043
Net interest income	$2,594,000	6,373
Provision for loan and lease losses	$140,000	4,819
Total noninterest income	$235,000	8,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	8,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	7,048
Total noninterest expense	$1,622,000	7,436
Salaries and employee benefits	$758,000	7,593
Premises and equipment expense	$162,000	8,585
Additional noninterest expense	$702,000	6,538
Pre-tax net operating income	$1,067,000	5,626
Securities gains (losses)	$4,000	6,316
Applicable income taxes	$361,000	5,377
Income before extraordinary items	$710,000	6,055
Extraordinary gains, net	$0	3,149
Net income	$710,000	6,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$570,000	2,775
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$707,360	5,795
1992-12-31 (YTD Data)		Rank
Total interest income	$4,574,000	6,801
Total interest expense	$1,897,000	7,361
Net interest income	$2,677,000	6,258
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$196,000	9,494
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,491
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	8,250
Total noninterest expense	$1,555,000	7,719
Salaries and employee benefits	$738,000	7,702
Premises and equipment expense	$158,000	8,881
Additional noninterest expense	$659,000	7,039
Pre-tax net operating income	$1,198,000	4,920
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$362,000	5,194
Income before extraordinary items	$838,000	5,176
Extraordinary gains, net	$0	1,422
Net income	$838,000	5,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	5,100
Cash dividends	$1,535,000	1,063
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$836,600	4,878

* 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.