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Dacotah Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,620,000	7,250
Total interest expense	$1,969,000	6,470
Net interest income	$1,651,000	7,896
Provision for loan and lease losses	$195,000	3,475
Total noninterest income	$349,000	6,448
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$164,000	6,219
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,391
Total noninterest expense	$1,215,000	7,949
Salaries and employee benefits	$647,000	7,862
Premises and equipment expense	$151,000	8,033
Additional noninterest expense	$417,000	7,744
Pre-tax net operating income	$590,000	7,476
Securities gains (losses)	$0	4,148
Applicable income taxes	$206,000	7,049
Income before extraordinary items	$384,000	7,762
Extraordinary gains, net	$0	53
Net income	$384,000	7,759
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,738
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$384,000	7,701
1995-12-31 (YTD Data)		Rank
Total interest income	$3,603,000	7,421
Total interest expense	$1,892,000	6,698
Net interest income	$1,711,000	7,986
Provision for loan and lease losses	$0	8,958
Total noninterest income	$308,000	6,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	6,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$150,000	5,986
Total noninterest expense	$1,220,000	8,144
Salaries and employee benefits	$630,000	8,185
Premises and equipment expense	$151,000	8,239
Additional noninterest expense	$439,000	7,816
Pre-tax net operating income	$799,000	6,839
Securities gains (losses)	$0	3,831
Applicable income taxes	$262,000	6,486
Income before extraordinary items	$537,000	6,984
Extraordinary gains, net	$0	65
Net income	$537,000	6,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$475,000	3,477
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$537,000	6,961
1994-12-31 (YTD Data)		Rank
Total interest income	$3,356,000	7,543
Total interest expense	$1,603,000	6,598
Net interest income	$1,753,000	8,169
Provision for loan and lease losses	$0	9,146
Total noninterest income	$269,000	7,669
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$148,000	6,243
Total noninterest expense	$1,224,000	8,516
Salaries and employee benefits	$619,000	8,491
Premises and equipment expense	$150,000	8,551
Additional noninterest expense	$455,000	8,271
Pre-tax net operating income	$798,000	6,879
Securities gains (losses)	$0	3,600
Applicable income taxes	$242,000	6,656
Income before extraordinary items	$556,000	6,857
Extraordinary gains, net	$0	249
Net income	$556,000	6,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,614
Cash dividends	$200,000	5,405
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$556,000	6,912
1993-12-31 (YTD Data)		Rank
Total interest income	$3,469,000	7,574
Total interest expense	$1,690,000	6,658
Net interest income	$1,779,000	8,295
Provision for loan and lease losses	$165,000	4,400
Total noninterest income	$240,000	8,531
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,999
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	7,138
Total noninterest expense	$1,161,000	9,055
Salaries and employee benefits	$615,000	8,675
Premises and equipment expense	$123,000	9,690
Additional noninterest expense	$423,000	8,995
Pre-tax net operating income	$693,000	7,407
Securities gains (losses)	$0	7,477
Applicable income taxes	$193,000	7,749
Income before extraordinary items	$500,000	7,562
Extraordinary gains, net	$0	3,149
Net income	$500,000	7,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	4,080
Cash dividends	$125,000	6,440
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$500,000	7,301
1992-12-31 (YTD Data)		Rank
Total interest income	$3,997,000	7,514
Total interest expense	$2,174,000	6,683
Net interest income	$1,823,000	8,274
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$255,000	8,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,923
Trading account gains and fees	NA	NA
Additional Noninterest Income	$134,000	7,060
Total noninterest expense	$1,080,000	9,611
Salaries and employee benefits	$590,000	8,900
Premises and equipment expense	$105,000	10,550
Additional noninterest expense	$385,000	9,756
Pre-tax net operating income	$938,000	5,910
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$278,000	6,248
Income before extraordinary items	$661,000	6,165
Extraordinary gains, net	$0	1,422
Net income	$661,000	6,233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	6,591
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$660,300	5,812

* 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.