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Farmers State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,543,000	10,046
Total interest expense	$701,000	9,963
Net interest income	$842,000	9,993
Provision for loan and lease losses	$35,000	7,226
Total noninterest income	$125,000	9,446
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,167
Total noninterest expense	$513,000	10,533
Salaries and employee benefits	$196,000	11,031
Premises and equipment expense	$70,000	10,079
Additional noninterest expense	$247,000	9,427
Pre-tax net operating income	$419,000	8,401
Securities gains (losses)	$0	4,148
Applicable income taxes	$169,000	7,593
Income before extraordinary items	$250,000	8,839
Extraordinary gains, net	$0	53
Net income	$250,000	8,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$60,000	7,342
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$250,000	8,776
1995-12-31 (YTD Data)		Rank
Total interest income	$1,410,000	10,671
Total interest expense	$664,000	10,432
Net interest income	$746,000	10,698
Provision for loan and lease losses	$32,000	7,011
Total noninterest income	$119,000	9,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	9,762
Total noninterest expense	$486,000	11,076
Salaries and employee benefits	$190,000	11,544
Premises and equipment expense	$59,000	10,818
Additional noninterest expense	$237,000	9,968
Pre-tax net operating income	$347,000	9,404
Securities gains (losses)	$0	3,831
Applicable income taxes	$136,000	8,513
Income before extraordinary items	$211,000	9,816
Extraordinary gains, net	$0	65
Net income	$211,000	9,820
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,181
Cash dividends	$30,000	8,164
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$211,000	9,784
1994-12-31 (YTD Data)		Rank
Total interest income	$1,262,000	11,217
Total interest expense	$516,000	11,029
Net interest income	$746,000	11,227
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$107,000	10,582
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	9,141
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$470,000	11,756
Salaries and employee benefits	$200,000	12,070
Premises and equipment expense	$56,000	11,432
Additional noninterest expense	$214,000	10,973
Pre-tax net operating income	$323,000	9,962
Securities gains (losses)	$-22,000	10,411
Applicable income taxes	$119,000	8,946
Income before extraordinary items	$182,000	10,474
Extraordinary gains, net	$0	249
Net income	$182,000	10,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$196,080	10,368
1993-12-31 (YTD Data)		Rank
Total interest income	$1,168,000	11,950
Total interest expense	$479,000	11,781
Net interest income	$689,000	11,922
Provision for loan and lease losses	$65,000	6,791
Total noninterest income	$88,000	11,610
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	10,018
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	10,863
Total noninterest expense	$460,000	12,359
Salaries and employee benefits	$198,000	12,665
Premises and equipment expense	$41,000	12,502
Additional noninterest expense	$221,000	11,452
Pre-tax net operating income	$252,000	10,608
Securities gains (losses)	$0	7,477
Applicable income taxes	$102,000	9,679
Income before extraordinary items	$150,000	11,203
Extraordinary gains, net	$5,000	3,059
Net income	$155,000	11,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	7,896
Cash dividends	$15,000	8,780
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$150,000	10,996
1992-12-31 (YTD Data)		Rank
Total interest income	$1,183,000	12,638
Total interest expense	$518,000	12,687
Net interest income	$665,000	12,461
Provision for loan and lease losses	$80,000	7,886
Total noninterest income	$72,000	12,504
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$38,000	10,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,488
Total noninterest expense	$412,000	13,100
Salaries and employee benefits	$179,000	13,330
Premises and equipment expense	$27,000	13,499
Additional noninterest expense	$206,000	12,160
Pre-tax net operating income	$245,000	10,650
Securities gains (losses)	$0	8,369
Applicable income taxes	$97,000	10,000
Income before extraordinary items	$148,000	11,302
Extraordinary gains, net	$0	1,422
Net income	$148,000	11,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	6,983
Cash dividends	$30,000	8,198
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$148,000	10,965

* 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.