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First State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$18,103,0001,789
Total interest expense$5,688,0002,660
Net interest income$12,415,0001,364
Provision for loan and lease losses$1,164,000862
Total noninterest income$3,897,0001,108
Gross Fiduciary activities income$319,000762
Service charges on deposit accounts$2,550,000508
Trading account gains and fees$0224
Additional Noninterest Income$1,028,0001,815
Total noninterest expense$11,825,0001,115
Salaries and employee benefits$6,776,000963
Premises and equipment expense$1,637,0001,164
Additional noninterest expense$3,412,0001,300
Pre-tax net operating income$3,323,0002,167
Securities gains (losses)$04,449
Applicable income taxes$1,047,0002,228
Income before extraordinary items$2,276,0002,284
Extraordinary gains, net$032
Net income$2,276,0002,283
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,390,000590
Cash dividends$611,0003,086
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,276,0002,205
1997-12-31 (YTD Data)Rank
Total interest income$17,710,0001,865
Total interest expense$5,488,0002,727
Net interest income$12,222,0001,420
Provision for loan and lease losses$1,514,000723
Total noninterest income$3,568,0001,161
Gross Fiduciary activities income$305,000802
Service charges on deposit accounts$2,460,000538
Trading account gains and fees$0239
Additional Noninterest Income$803,0002,023
Total noninterest expense$11,841,0001,125
Salaries and employee benefits$6,968,000950
Premises and equipment expense$1,602,0001,231
Additional noninterest expense$3,271,0001,338
Pre-tax net operating income$2,435,0002,978
Securities gains (losses)$2,0003,292
Applicable income taxes$758,0003,052
Income before extraordinary items$1,679,0003,021
Extraordinary gains, net$044
Net income$1,679,0003,020
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,500,000603
Cash dividends$575,0003,187
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,677,6202,971
1996-12-31 (YTD Data)Rank
Total interest income$17,745,0001,908
Total interest expense$5,441,0002,801
Net interest income$12,304,0001,461
Provision for loan and lease losses$1,950,000634
Total noninterest income$3,208,0001,290
Gross Fiduciary activities income$303,000858
Service charges on deposit accounts$2,206,000618
Trading account gains and fees$0262
Additional Noninterest Income$699,0002,303
Total noninterest expense$11,000,0001,306
Salaries and employee benefits$6,527,0001,025
Premises and equipment expense$1,462,0001,392
Additional noninterest expense$3,011,0001,726
Pre-tax net operating income$2,562,0002,720
Securities gains (losses)$-1,0009,274
Applicable income taxes$822,0002,779
Income before extraordinary items$1,739,0002,799
Extraordinary gains, net$053
Net income$1,739,0002,801
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,873,000598
Cash dividends$936,0002,254
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,739,6802,756
1995-12-31 (YTD Data)Rank
Total interest income$16,775,0002,008
Total interest expense$5,780,0002,659
Net interest income$10,995,0001,634
Provision for loan and lease losses$1,135,000863
Total noninterest income$3,050,0001,345
Gross Fiduciary activities income$233,000965
Service charges on deposit accounts$2,143,000640
Trading account gains and fees$0522
Additional Noninterest Income$674,0002,352
Total noninterest expense$10,483,0001,352
Salaries and employee benefits$6,173,0001,104
Premises and equipment expense$1,281,0001,584
Additional noninterest expense$3,029,0001,686
Pre-tax net operating income$2,427,0002,933
Securities gains (losses)$03,831
Applicable income taxes$762,0003,003
Income before extraordinary items$1,665,0002,952
Extraordinary gains, net$065
Net income$1,665,0002,949
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,154,000799
Cash dividends$628,0002,836
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,665,0002,921
1994-12-31 (YTD Data)Rank
Total interest income$15,263,0002,036
Total interest expense$4,617,0002,648
Net interest income$10,646,0001,699
Provision for loan and lease losses$771,0001,129
Total noninterest income$2,947,0001,386
Gross Fiduciary activities income$282,000924
Service charges on deposit accounts$1,900,000711
Trading account gains and fees$0475
Additional Noninterest Income$765,0002,192
Total noninterest expense$9,837,0001,493
Salaries and employee benefits$5,514,0001,218
Premises and equipment expense$1,288,0001,600
Additional noninterest expense$3,035,0001,790
Pre-tax net operating income$2,985,0002,388
Securities gains (losses)$20,0001,779
Applicable income taxes$946,0002,360
Income before extraordinary items$2,059,0002,359
Extraordinary gains, net$0249
Net income$2,059,0002,359
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$698,0001,092
Cash dividends$433,0003,541
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,045,2002,397
1993-12-31 (YTD Data)Rank
Total interest income$15,155,0002,072
Total interest expense$4,447,0002,878
Net interest income$10,708,0001,700
Provision for loan and lease losses$1,001,0001,299
Total noninterest income$2,377,0001,744
Gross Fiduciary activities income$207,0001,054
Service charges on deposit accounts$1,699,000774
Trading account gains and fees$0532
Additional Noninterest Income$471,0003,390
Total noninterest expense$9,148,0001,654
Salaries and employee benefits$5,075,0001,318
Premises and equipment expense$1,189,0001,767
Additional noninterest expense$2,884,0001,973
Pre-tax net operating income$2,936,0002,334
Securities gains (losses)$07,477
Applicable income taxes$922,0002,462
Income before extraordinary items$2,014,0002,497
Extraordinary gains, net$47,0002,224
Net income$2,061,0002,522
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,018,0001,129
Cash dividends$365,0003,887
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,014,0002,348
1992-12-31 (YTD Data)Rank
Total interest income$15,792,0002,234
Total interest expense$5,584,0002,980
Net interest income$10,208,0001,789
Provision for loan and lease losses$1,537,0001,378
Total noninterest income$2,178,0001,829
Gross Fiduciary activities income$168,0001,124
Service charges on deposit accounts$1,534,000851
Trading account gains and fees$0504
Additional Noninterest Income$476,0003,289
Total noninterest expense$8,183,0001,850
Salaries and employee benefits$4,603,0001,445
Premises and equipment expense$950,0002,195
Additional noninterest expense$2,630,0002,236
Pre-tax net operating income$2,666,0002,316
Securities gains (losses)$08,369
Applicable income taxes$788,0002,657
Income before extraordinary items$1,878,0002,438
Extraordinary gains, net$01,422
Net income$1,878,0002,482
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,133,0001,448
Cash dividends$384,0003,435
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,878,0002,267

* 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.