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Farmers State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,650,000	9,102
Total interest expense	$714,000	9,167
Net interest income	$936,000	8,943
Provision for loan and lease losses	$0	8,652
Total noninterest income	$149,000	8,247
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	7,438
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,329
Total noninterest expense	$731,000	9,012
Salaries and employee benefits	$492,000	8,413
Premises and equipment expense	$58,000	9,619
Additional noninterest expense	$181,000	9,330
Pre-tax net operating income	$354,000	8,127
Securities gains (losses)	$3,000	3,720
Applicable income taxes	$74,000	7,918
Income before extraordinary items	$283,000	8,013
Extraordinary gains, net	$0	32
Net income	$283,000	8,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	9,466
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$280,630	7,960
1997-12-31 (YTD Data)		Rank
Total interest income	$1,481,000	9,692
Total interest expense	$540,000	9,999
Net interest income	$941,000	9,324
Provision for loan and lease losses	$0	8,829
Total noninterest income	$150,000	8,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	7,961
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,280
Total noninterest expense	$716,000	9,344
Salaries and employee benefits	$502,000	8,592
Premises and equipment expense	$45,000	10,318
Additional noninterest expense	$169,000	9,788
Pre-tax net operating income	$375,000	8,579
Securities gains (losses)	$-3,000	9,416
Applicable income taxes	$78,000	8,774
Income before extraordinary items	$294,000	8,424
Extraordinary gains, net	$0	44
Net income	$294,000	8,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,506
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$296,370	8,362
1996-12-31 (YTD Data)		Rank
Total interest income	$1,411,000	10,235
Total interest expense	$538,000	10,471
Net interest income	$873,000	9,901
Provision for loan and lease losses	$0	9,041
Total noninterest income	$160,000	8,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	7,486
Total noninterest expense	$702,000	9,807
Salaries and employee benefits	$492,000	8,953
Premises and equipment expense	$44,000	10,805
Additional noninterest expense	$166,000	10,357
Pre-tax net operating income	$331,000	8,915
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$92,000	8,884
Income before extraordinary items	$238,000	8,930
Extraordinary gains, net	$0	53
Net income	$238,000	8,932
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	$238,720	8,871
1995-12-31 (YTD Data)		Rank
Total interest income	$1,343,000	10,769
Total interest expense	$523,000	10,941
Net interest income	$820,000	10,473
Provision for loan and lease losses	$0	8,958
Total noninterest income	$151,000	9,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	8,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	8,156
Total noninterest expense	$739,000	10,037
Salaries and employee benefits	$509,000	9,037
Premises and equipment expense	$43,000	11,294
Additional noninterest expense	$187,000	10,592
Pre-tax net operating income	$232,000	10,246
Securities gains (losses)	$-3,000	9,402
Applicable income taxes	$54,000	10,109
Income before extraordinary items	$175,000	10,213
Extraordinary gains, net	$0	65
Net income	$175,000	10,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$1,375,000	1,606
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$177,280	10,160
1994-12-31 (YTD Data)		Rank
Total interest income	$1,226,000	11,296
Total interest expense	$419,000	11,485
Net interest income	$807,000	11,030
Provision for loan and lease losses	$0	9,146
Total noninterest income	$131,000	10,093
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,402
Total noninterest expense	$682,000	10,776
Salaries and employee benefits	$460,000	9,752
Premises and equipment expense	$30,000	12,221
Additional noninterest expense	$192,000	11,243
Pre-tax net operating income	$256,000	10,445
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$64,000	10,134
Income before extraordinary items	$193,000	10,354
Extraordinary gains, net	$0	249
Net income	$193,000	10,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-69,000	12,053
Cash dividends	$35,000	8,283
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$192,250	10,417
1993-12-31 (YTD Data)		Rank
Total interest income	$1,189,000	11,915
Total interest expense	$388,000	12,278
Net interest income	$801,000	11,502
Provision for loan and lease losses	$0	10,371
Total noninterest income	$136,000	10,502
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	$66,000	9,257
Total noninterest expense	$741,000	10,956
Salaries and employee benefits	$537,000	9,325
Premises and equipment expense	$31,000	12,825
Additional noninterest expense	$173,000	12,113
Pre-tax net operating income	$196,000	11,083
Securities gains (losses)	$0	7,477
Applicable income taxes	$38,000	11,202
Income before extraordinary items	$158,000	11,101
Extraordinary gains, net	$0	3,149
Net income	$158,000	11,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$35,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$158,000	10,900
1992-12-31 (YTD Data)		Rank
Total interest income	$1,347,000	12,295
Total interest expense	$536,000	12,590
Net interest income	$811,000	11,868
Provision for loan and lease losses	$0	11,756
Total noninterest income	$143,000	10,636
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	10,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	8,478
Total noninterest expense	$703,000	11,505
Salaries and employee benefits	$486,000	9,912
Premises and equipment expense	$43,000	12,949
Additional noninterest expense	$174,000	12,615
Pre-tax net operating income	$251,000	10,593
Securities gains (losses)	$22,000	5,460
Applicable income taxes	$61,000	10,966
Income before extraordinary items	$212,000	10,438
Extraordinary gains, net	$0	1,422
Net income	$212,000	10,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$35,000	8,104
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$194,840	10,335

* 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.