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Dairy State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$4,669,0005,932
Total interest expense$1,952,0006,262
Net interest income$2,717,0005,535
Provision for loan and lease losses$143,0004,290
Total noninterest income$221,0007,321
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$43,0008,213
Trading account gains and feesNANA
Additional Noninterest Income$178,0005,261
Total noninterest expense$1,988,0005,625
Salaries and employee benefits$1,052,0005,580
Premises and equipment expense$377,0004,629
Additional noninterest expense$559,0006,024
Pre-tax net operating income$807,0006,069
Securities gains (losses)$04,449
Applicable income taxes$267,0005,480
Income before extraordinary items$540,0006,372
Extraordinary gains, net$032
Net income$540,0006,371
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$138,0003,066
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$540,0006,265
1997-12-31 (YTD Data)Rank
Total interest income$4,139,0006,530
Total interest expense$1,732,0006,815
Net interest income$2,407,0006,207
Provision for loan and lease losses$27,0007,550
Total noninterest income$102,0009,375
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$37,0008,760
Trading account gains and feesNANA
Additional Noninterest Income$65,0007,858
Total noninterest expense$1,903,0005,841
Salaries and employee benefits$1,017,0005,793
Premises and equipment expense$323,0005,191
Additional noninterest expense$563,0006,027
Pre-tax net operating income$579,0007,516
Securities gains (losses)$03,944
Applicable income taxes$148,0007,639
Income before extraordinary items$431,0007,427
Extraordinary gains, net$044
Net income$431,0007,430
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$431,0007,384
1996-12-31 (YTD Data)Rank
Total interest income$3,685,0007,183
Total interest expense$1,562,0007,416
Net interest income$2,123,0006,907
Provision for loan and lease losses$56,0006,391
Total noninterest income$163,0008,804
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,0009,108
Trading account gains and feesNANA
Additional Noninterest Income$123,0006,525
Total noninterest expense$1,605,0006,829
Salaries and employee benefits$920,0006,369
Premises and equipment expense$191,0007,191
Additional noninterest expense$494,0007,108
Pre-tax net operating income$625,0007,290
Securities gains (losses)$20,0002,000
Applicable income taxes$172,0007,559
Income before extraordinary items$473,0007,091
Extraordinary gains, net$053
Net income$473,0007,093
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,265
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$458,4007,128
1995-12-31 (YTD Data)Rank
Total interest income$3,409,0007,676
Total interest expense$1,329,0008,193
Net interest income$2,080,0007,123
Provision for loan and lease losses$79,0005,161
Total noninterest income$161,0009,123
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$44,0009,427
Trading account gains and feesNANA
Additional Noninterest Income$117,0006,722
Total noninterest expense$1,484,0007,326
Salaries and employee benefits$838,0006,903
Premises and equipment expense$196,0007,269
Additional noninterest expense$450,0007,705
Pre-tax net operating income$678,0007,426
Securities gains (losses)$03,831
Applicable income taxes$217,0007,139
Income before extraordinary items$461,0007,550
Extraordinary gains, net$065
Net income$461,0007,549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,140
Cash dividends$210,0005,348
Sale, conversion, retirement of capital stock, net$0809
Net operating income$461,0007,522
1994-12-31 (YTD Data)Rank
Total interest income$3,194,0007,770
Total interest expense$1,192,0007,938
Net interest income$2,002,0007,569
Provision for loan and lease losses$30,0007,083
Total noninterest income$124,00010,218
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$42,0009,972
Trading account gains and feesNANA
Additional Noninterest Income$82,0008,157
Total noninterest expense$1,457,0007,744
Salaries and employee benefits$773,0007,359
Premises and equipment expense$210,0007,210
Additional noninterest expense$474,0008,111
Pre-tax net operating income$639,0007,772
Securities gains (losses)$-10,0009,836
Applicable income taxes$172,0007,876
Income before extraordinary items$457,0007,643
Extraordinary gains, net$0249
Net income$457,0007,651
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,066
Cash dividends$80,0007,289
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$464,3007,630
1993-12-31 (YTD Data)Rank
Total interest income$3,158,0008,079
Total interest expense$1,326,0007,792
Net interest income$1,832,0008,159
Provision for loan and lease losses$88,0006,122
Total noninterest income$281,0007,923
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$46,00010,201
Trading account gains and feesNANA
Additional Noninterest Income$235,0005,178
Total noninterest expense$1,466,0007,939
Salaries and employee benefits$735,0007,747
Premises and equipment expense$220,0007,289
Additional noninterest expense$511,0008,101
Pre-tax net operating income$559,0008,236
Securities gains (losses)$07,477
Applicable income taxes$169,0008,222
Income before extraordinary items$390,0008,537
Extraordinary gains, net$03,149
Net income$390,0008,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0005,115
Cash dividends$113,0006,670
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$390,0008,269
1992-12-31 (YTD Data)Rank
Total interest income$3,540,0008,123
Total interest expense$1,578,0008,277
Net interest income$1,962,0007,861
Provision for loan and lease losses$132,0006,450
Total noninterest income$135,00010,810
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,00010,701
Trading account gains and feesNANA
Additional Noninterest Income$95,0008,250
Total noninterest expense$1,399,0008,297
Salaries and employee benefits$732,0007,759
Premises and equipment expense$238,0007,007
Additional noninterest expense$429,0009,216
Pre-tax net operating income$566,0007,948
Securities gains (losses)$08,369
Applicable income taxes$171,0008,144
Income before extraordinary items$395,0008,271
Extraordinary gains, net$01,422
Net income$395,0008,398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0007,050
Cash dividends$104,0006,492
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$395,0007,911

* 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.