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Dakota Community Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,876,000	9,547
Total interest expense	$817,000	9,593
Net interest income	$1,059,000	9,392
Provision for loan and lease losses	$63,000	6,028
Total noninterest income	$304,000	6,891
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,933
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	5,512
Total noninterest expense	$1,085,000	8,380
Salaries and employee benefits	$629,000	7,955
Premises and equipment expense	$149,000	8,083
Additional noninterest expense	$307,000	8,805
Pre-tax net operating income	$215,000	9,700
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$65,000	9,414
Income before extraordinary items	$149,000	9,801
Extraordinary gains, net	$0	53
Net income	$149,000	9,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	10,752
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$149,700	9,740
1995-12-31 (YTD Data)		Rank
Total interest income	$1,466,000	10,588
Total interest expense	$640,000	10,523
Net interest income	$826,000	10,458
Provision for loan and lease losses	$8,000	8,490
Total noninterest income	$125,000	9,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	8,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	8,706
Total noninterest expense	$812,000	9,720
Salaries and employee benefits	$448,000	9,547
Premises and equipment expense	$82,000	10,145
Additional noninterest expense	$282,000	9,451
Pre-tax net operating income	$131,000	10,902
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$47,000	10,241
Income before extraordinary items	$85,000	11,058
Extraordinary gains, net	$0	65
Net income	$85,000	11,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	11,245
Cash dividends	$50,000	7,734
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$84,360	11,042
1994-12-31 (YTD Data)		Rank
Total interest income	$1,127,000	11,481
Total interest expense	$385,000	11,666
Net interest income	$742,000	11,242
Provision for loan and lease losses	$92,000	4,738
Total noninterest income	$81,000	11,223
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	10,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$537,000	11,422
Salaries and employee benefits	$294,000	11,258
Premises and equipment expense	$29,000	12,238
Additional noninterest expense	$214,000	10,973
Pre-tax net operating income	$194,000	10,941
Securities gains (losses)	$18,000	1,859
Applicable income taxes	$72,000	9,978
Income before extraordinary items	$140,000	10,931
Extraordinary gains, net	$0	249
Net income	$140,000	10,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,999
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$128,120	11,122
1993-12-31 (YTD Data)		Rank
Total interest income	$1,176,000	11,938
Total interest expense	$485,000	11,756
Net interest income	$691,000	11,914
Provision for loan and lease losses	$53,000	7,335
Total noninterest income	$62,000	12,252
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,569
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$515,000	12,085
Salaries and employee benefits	$270,000	11,976
Premises and equipment expense	$44,000	12,403
Additional noninterest expense	$201,000	11,712
Pre-tax net operating income	$185,000	11,177
Securities gains (losses)	$8,000	5,699
Applicable income taxes	$36,000	11,244
Income before extraordinary items	$157,000	11,113
Extraordinary gains, net	$0	3,149
Net income	$157,000	11,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	5,115
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$150,520	10,992
1992-12-31 (YTD Data)		Rank
Total interest income	$1,470,000	12,034
Total interest expense	$747,000	11,595
Net interest income	$723,000	12,223
Provision for loan and lease losses	$221,000	4,952
Total noninterest income	$44,000	13,249
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	10,969
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	13,290
Total noninterest expense	$413,000	13,093
Salaries and employee benefits	$232,000	12,802
Premises and equipment expense	$31,000	13,377
Additional noninterest expense	$150,000	12,956
Pre-tax net operating income	$133,000	11,683
Securities gains (losses)	$0	8,369
Applicable income taxes	$36,000	11,628
Income before extraordinary items	$97,000	11,975
Extraordinary gains, net	$0	1,422
Net income	$97,000	12,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	3,841
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$97,000	11,682

* 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.