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First Dewitt Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$44,982,000	798
Total interest expense	$23,856,000	732
Net interest income	$21,126,000	878
Provision for loan and lease losses	$9,200,000	215
Total noninterest income	$-3,596,000	11,454
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$-3,596,000	11,480
Total noninterest expense	$26,836,000	613
Salaries and employee benefits	$11,101,000	637
Premises and equipment expense	$3,708,000	603
Additional noninterest expense	$12,027,000	580
Pre-tax net operating income	$-18,506,000	11,470
Securities gains (losses)	$-175,000	11,290
Applicable income taxes	$-5,542,000	11,434
Income before extraordinary items	$-13,139,000	11,444
Extraordinary gains, net	$0	53
Net income	$-13,139,000	11,443
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,616,000	312
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-13,016,500	11,443
1995-12-31 (YTD Data)		Rank
Total interest income	$45,575,000	821
Total interest expense	$23,067,000	779
Net interest income	$22,508,000	844
Provision for loan and lease losses	$1,700,000	647
Total noninterest income	$4,463,000	1,032
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$4,463,000	705
Total noninterest expense	$19,328,000	808
Salaries and employee benefits	$7,465,000	915
Premises and equipment expense	$3,348,000	685
Additional noninterest expense	$8,515,000	764
Pre-tax net operating income	$5,943,000	1,284
Securities gains (losses)	$144,000	795
Applicable income taxes	$1,812,000	1,389
Income before extraordinary items	$4,275,000	1,243
Extraordinary gains, net	$0	65
Net income	$4,275,000	1,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$781,000	1,046
Cash dividends	$1,000,000	2,009
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$4,174,200	1,250
1994-12-31 (YTD Data)		Rank
Total interest income	$37,018,000	874
Total interest expense	$14,755,000	926
Net interest income	$22,263,000	845
Provision for loan and lease losses	$1,522,000	706
Total noninterest income	$3,941,000	1,090
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,885
Trading account gains and fees	$0	475
Additional Noninterest Income	$3,791,000	759
Total noninterest expense	$19,366,000	829
Salaries and employee benefits	$7,435,000	914
Premises and equipment expense	$3,178,000	724
Additional noninterest expense	$8,753,000	772
Pre-tax net operating income	$5,316,000	1,384
Securities gains (losses)	$-74,000	11,337
Applicable income taxes	$1,562,000	1,499
Income before extraordinary items	$3,680,000	1,362
Extraordinary gains, net	$0	249
Net income	$3,680,000	1,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,415,000	713
Cash dividends	$1,000,000	1,879
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,731,800	1,355
1993-12-31 (YTD Data)		Rank
Total interest income	$31,078,000	1,029
Total interest expense	$12,894,000	1,046
Net interest income	$18,184,000	1,008
Provision for loan and lease losses	$2,000,000	807
Total noninterest income	$1,700,000	2,213
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,700,000	1,397
Total noninterest expense	$14,626,000	1,076
Salaries and employee benefits	$5,962,000	1,135
Premises and equipment expense	$2,538,000	883
Additional noninterest expense	$6,126,000	1,076
Pre-tax net operating income	$3,258,000	2,094
Securities gains (losses)	$0	7,477
Applicable income taxes	$471,000	4,396
Income before extraordinary items	$2,787,000	1,795
Extraordinary gains, net	$0	3,149
Net income	$2,787,000	1,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,892,000	748
Cash dividends	$450,000	3,356
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,787,000	1,694
1992-12-31 (YTD Data)		Rank
Total interest income	$32,701,000	1,109
Total interest expense	$17,362,000	1,047
Net interest income	$15,339,000	1,220
Provision for loan and lease losses	$2,500,000	968
Total noninterest income	$2,028,000	1,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,028,000	1,229
Total noninterest expense	$12,935,000	1,228
Salaries and employee benefits	$5,261,000	1,280
Premises and equipment expense	$2,604,000	909
Additional noninterest expense	$5,070,000	1,302
Pre-tax net operating income	$1,932,000	3,199
Securities gains (losses)	$0	8,369
Applicable income taxes	$-43,000	13,486
Income before extraordinary items	$1,975,000	2,316
Extraordinary gains, net	$0	1,422
Net income	$1,975,000	2,354
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	4,293
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,975,000	2,152

* 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.