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Dacotah Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,270,000	7,633
Total interest expense	$1,516,000	7,534
Net interest income	$1,754,000	7,655
Provision for loan and lease losses	$0	9,041
Total noninterest income	$260,000	7,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	6,594
Total noninterest expense	$1,277,000	7,734
Salaries and employee benefits	$639,000	7,904
Premises and equipment expense	$167,000	7,688
Additional noninterest expense	$471,000	7,289
Pre-tax net operating income	$737,000	6,760
Securities gains (losses)	$0	4,148
Applicable income taxes	$243,000	6,547
Income before extraordinary items	$494,000	6,941
Extraordinary gains, net	$0	53
Net income	$494,000	6,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,315
Cash dividends	$141,000	6,149
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$494,000	6,880
1995-12-31 (YTD Data)		Rank
Total interest income	$3,349,000	7,743
Total interest expense	$1,503,000	7,696
Net interest income	$1,846,000	7,653
Provision for loan and lease losses	$110,000	4,388
Total noninterest income	$242,000	7,800
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	6,865
Total noninterest expense	$1,256,000	8,013
Salaries and employee benefits	$614,000	8,271
Premises and equipment expense	$144,000	8,429
Additional noninterest expense	$498,000	7,264
Pre-tax net operating income	$722,000	7,210
Securities gains (losses)	$0	3,831
Applicable income taxes	$226,000	7,005
Income before extraordinary items	$496,000	7,288
Extraordinary gains, net	$0	65
Net income	$496,000	7,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,939
Cash dividends	$121,000	6,460
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$496,000	7,250
1994-12-31 (YTD Data)		Rank
Total interest income	$3,239,000	7,711
Total interest expense	$1,381,000	7,265
Net interest income	$1,858,000	7,897
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$242,000	8,057
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,363
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	7,162
Total noninterest expense	$1,233,000	8,489
Salaries and employee benefits	$586,000	8,715
Premises and equipment expense	$142,000	8,775
Additional noninterest expense	$505,000	7,794
Pre-tax net operating income	$777,000	6,990
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$233,000	6,778
Income before extraordinary items	$545,000	6,951
Extraordinary gains, net	$0	249
Net income	$545,000	6,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	11,664
Cash dividends	$220,000	5,230
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$544,300	7,010
1993-12-31 (YTD Data)		Rank
Total interest income	$3,455,000	7,596
Total interest expense	$1,588,000	6,911
Net interest income	$1,867,000	8,050
Provision for loan and lease losses	$180,000	4,132
Total noninterest income	$206,000	9,122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	7,832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	8,379
Total noninterest expense	$1,301,000	8,509
Salaries and employee benefits	$569,000	9,059
Premises and equipment expense	$140,000	9,169
Additional noninterest expense	$592,000	7,410
Pre-tax net operating income	$592,000	7,995
Securities gains (losses)	$0	7,477
Applicable income taxes	$165,000	8,309
Income before extraordinary items	$427,000	8,162
Extraordinary gains, net	$0	3,149
Net income	$427,000	8,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$117,000	4,228
Cash dividends	$84,000	7,236
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$427,000	7,894
1992-12-31 (YTD Data)		Rank
Total interest income	$3,696,000	7,916
Total interest expense	$2,001,000	7,105
Net interest income	$1,695,000	8,669
Provision for loan and lease losses	$180,000	5,503
Total noninterest income	$181,000	9,800
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	8,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	9,388
Total noninterest expense	$1,103,000	9,498
Salaries and employee benefits	$503,000	9,756
Premises and equipment expense	$143,000	9,322
Additional noninterest expense	$457,000	8,901
Pre-tax net operating income	$593,000	7,760
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$185,000	7,849
Income before extraordinary items	$411,000	8,101
Extraordinary gains, net	$0	1,422
Net income	$411,000	8,226
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	8,917
Cash dividends	$28,000	8,296
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$408,930	7,773

* 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.