First Bank of South Dakota (National Association), Income and Expense

1997-12-31 (YTD Data)		Rank
Total interest income	$50,466,000	692
Total interest expense	$34,674,000	523
Net interest income	$15,792,000	1,119
Provision for loan and lease losses	$27,000,000	117
Total noninterest income	$86,336,000	158
Gross Fiduciary activities income	$2,949,000	268
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	$0	239
Additional Noninterest Income	$83,387,000	121
Total noninterest expense	$37,922,000	417
Salaries and employee benefits	$316,000	9,833
Premises and equipment expense	$495,000	3,740
Additional noninterest expense	$37,111,000	239
Pre-tax net operating income	$37,206,000	284
Securities gains (losses)	$0	3,944
Applicable income taxes	$14,227,000	272
Income before extraordinary items	$22,979,000	299
Extraordinary gains, net	$0	44
Net income	$22,979,000	299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,528,000	151
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$95,000,000	12
Net operating income	$22,979,000	289

* 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.