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Dacotah Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,499,000	10,108
Total interest expense	$731,000	9,877
Net interest income	$768,000	10,199
Provision for loan and lease losses	$75,000	5,702
Total noninterest income	$109,000	9,722
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	7,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	9,892
Total noninterest expense	$479,000	10,666
Salaries and employee benefits	$211,000	10,951
Premises and equipment expense	$58,000	10,410
Additional noninterest expense	$210,000	9,825
Pre-tax net operating income	$323,000	8,974
Securities gains (losses)	$0	4,148
Applicable income taxes	$101,000	8,731
Income before extraordinary items	$222,000	9,091
Extraordinary gains, net	$0	53
Net income	$222,000	9,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,212
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$222,000	9,030
1995-12-31 (YTD Data)		Rank
Total interest income	$1,466,000	10,588
Total interest expense	$679,000	10,383
Net interest income	$787,000	10,567
Provision for loan and lease losses	$0	8,958
Total noninterest income	$103,000	10,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	9,663
Total noninterest expense	$529,000	10,892
Salaries and employee benefits	$231,000	11,293
Premises and equipment expense	$60,000	10,776
Additional noninterest expense	$238,000	9,956
Pre-tax net operating income	$361,000	9,319
Securities gains (losses)	$0	3,831
Applicable income taxes	$119,000	8,810
Income before extraordinary items	$242,000	9,485
Extraordinary gains, net	$0	65
Net income	$242,000	9,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	10,757
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$242,000	9,470
1994-12-31 (YTD Data)		Rank
Total interest income	$1,325,000	11,089
Total interest expense	$546,000	10,871
Net interest income	$779,000	11,122
Provision for loan and lease losses	$0	9,146
Total noninterest income	$101,000	10,716
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	9,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	9,980
Total noninterest expense	$511,000	11,560
Salaries and employee benefits	$222,000	11,908
Premises and equipment expense	$60,000	11,299
Additional noninterest expense	$229,000	10,782
Pre-tax net operating income	$369,000	9,583
Securities gains (losses)	$0	3,600
Applicable income taxes	$114,000	9,050
Income before extraordinary items	$255,000	9,638
Extraordinary gains, net	$0	249
Net income	$255,000	9,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,614
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$255,000	9,704
1993-12-31 (YTD Data)		Rank
Total interest income	$1,380,000	11,490
Total interest expense	$602,000	11,134
Net interest income	$778,000	11,590
Provision for loan and lease losses	$38,000	8,041
Total noninterest income	$82,000	11,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$472,000	12,302
Salaries and employee benefits	$212,000	12,523
Premises and equipment expense	$42,000	12,473
Additional noninterest expense	$218,000	11,491
Pre-tax net operating income	$350,000	9,805
Securities gains (losses)	$0	7,477
Applicable income taxes	$108,000	9,551
Income before extraordinary items	$242,000	10,138
Extraordinary gains, net	$0	3,149
Net income	$242,000	10,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	10,864
Cash dividends	$50,000	7,918
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$242,000	9,883
1992-12-31 (YTD Data)		Rank
Total interest income	$1,534,000	11,877
Total interest expense	$767,000	11,479
Net interest income	$767,000	12,043
Provision for loan and lease losses	$0	11,756
Total noninterest income	$78,000	12,335
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$420,000	13,067
Salaries and employee benefits	$199,000	13,174
Premises and equipment expense	$31,000	13,377
Additional noninterest expense	$190,000	12,374
Pre-tax net operating income	$425,000	9,019
Securities gains (losses)	$0	8,369
Applicable income taxes	$133,000	9,043
Income before extraordinary items	$292,000	9,429
Extraordinary gains, net	$0	1,422
Net income	$292,000	9,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-35,000	13,343
Cash dividends	$50,000	7,650
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$292,000	9,041

* 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.