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Dubois National Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,837,000	8,882
Total interest expense	$693,000	9,209
Net interest income	$1,144,000	8,460
Provision for loan and lease losses	$161,000	4,001
Total noninterest income	$143,000	8,329
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	7,628
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,275
Total noninterest expense	$835,000	8,652
Salaries and employee benefits	$462,000	8,597
Premises and equipment expense	$150,000	7,646
Additional noninterest expense	$223,000	8,869
Pre-tax net operating income	$291,000	8,446
Securities gains (losses)	$0	4,449
Applicable income taxes	$76,000	7,886
Income before extraordinary items	$215,000	8,513
Extraordinary gains, net	$0	32
Net income	$215,000	8,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,956
Cash dividends	$50,000	6,861
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$215,000	8,432
1997-12-31 (YTD Data)		Rank
Total interest income	$1,769,000	9,324
Total interest expense	$643,000	9,703
Net interest income	$1,126,000	8,876
Provision for loan and lease losses	$0	8,829
Total noninterest income	$148,000	8,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,828
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,510
Total noninterest expense	$770,000	9,144
Salaries and employee benefits	$435,000	9,042
Premises and equipment expense	$143,000	7,962
Additional noninterest expense	$192,000	9,519
Pre-tax net operating income	$504,000	7,895
Securities gains (losses)	$0	3,944
Applicable income taxes	$147,000	7,658
Income before extraordinary items	$357,000	7,936
Extraordinary gains, net	$0	44
Net income	$357,000	7,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,017
Cash dividends	$200,000	5,346
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$357,000	7,880
1996-12-31 (YTD Data)		Rank
Total interest income	$1,645,000	9,908
Total interest expense	$592,000	10,300
Net interest income	$1,053,000	9,406
Provision for loan and lease losses	$0	9,041
Total noninterest income	$136,000	9,243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	8,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,879
Total noninterest expense	$746,000	9,650
Salaries and employee benefits	$408,000	9,550
Premises and equipment expense	$140,000	8,281
Additional noninterest expense	$198,000	9,951
Pre-tax net operating income	$443,000	8,255
Securities gains (losses)	$0	4,148
Applicable income taxes	$119,000	8,411
Income before extraordinary items	$324,000	8,222
Extraordinary gains, net	$0	53
Net income	$324,000	8,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,336
Cash dividends	$220,000	5,231
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$324,000	8,158
1995-12-31 (YTD Data)		Rank
Total interest income	$1,507,000	10,511
Total interest expense	$551,000	10,853
Net interest income	$956,000	10,062
Provision for loan and lease losses	$0	8,958
Total noninterest income	$144,000	9,412
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	$82,000	7,878
Total noninterest expense	$682,000	10,256
Salaries and employee benefits	$364,000	10,223
Premises and equipment expense	$120,000	9,038
Additional noninterest expense	$198,000	10,438
Pre-tax net operating income	$418,000	8,953
Securities gains (losses)	$0	3,831
Applicable income taxes	$110,000	8,977
Income before extraordinary items	$308,000	8,859
Extraordinary gains, net	$0	65
Net income	$308,000	8,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$150,000	6,032
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$308,000	8,824
1994-12-31 (YTD Data)		Rank
Total interest income	$1,328,000	11,084
Total interest expense	$424,000	11,469
Net interest income	$904,000	10,713
Provision for loan and lease losses	$0	9,146
Total noninterest income	$116,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,102
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	9,662
Total noninterest expense	$623,000	11,021
Salaries and employee benefits	$293,000	11,269
Premises and equipment expense	$122,000	9,334
Additional noninterest expense	$208,000	11,044
Pre-tax net operating income	$397,000	9,400
Securities gains (losses)	$0	3,600
Applicable income taxes	$105,000	9,245
Income before extraordinary items	$292,000	9,229
Extraordinary gains, net	$0	249
Net income	$292,000	9,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$110,000	6,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$292,000	9,298
1993-12-31 (YTD Data)		Rank
Total interest income	$1,290,000	11,703
Total interest expense	$434,000	12,046
Net interest income	$856,000	11,324
Provision for loan and lease losses	$0	10,371
Total noninterest income	$115,000	10,961
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	9,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	10,391
Total noninterest expense	$593,000	11,696
Salaries and employee benefits	$286,000	11,805
Premises and equipment expense	$117,000	9,887
Additional noninterest expense	$190,000	11,866
Pre-tax net operating income	$378,000	9,598
Securities gains (losses)	$0	7,477
Applicable income taxes	$100,000	9,745
Income before extraordinary items	$278,000	9,714
Extraordinary gains, net	$0	3,149
Net income	$278,000	9,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	11,470
Cash dividends	$135,000	6,315
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$278,000	9,453
1992-12-31 (YTD Data)		Rank
Total interest income	$1,305,000	12,392
Total interest expense	$508,000	12,729
Net interest income	$797,000	11,921
Provision for loan and lease losses	$0	11,756
Total noninterest income	$126,000	11,025
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	9,060
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	10,841
Total noninterest expense	$543,000	12,384
Salaries and employee benefits	$261,000	12,491
Premises and equipment expense	$111,000	10,343
Additional noninterest expense	$171,000	12,650
Pre-tax net operating income	$380,000	9,424
Securities gains (losses)	$0	8,369
Applicable income taxes	$108,000	9,686
Income before extraordinary items	$272,000	9,654
Extraordinary gains, net	$0	1,422
Net income	$272,000	9,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	12,482
Cash dividends	$160,000	5,601
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$272,000	9,281

* 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.