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First State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$932,000	10,898
Total interest expense	$395,000	10,885
Net interest income	$537,000	10,807
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$78,000	10,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	9,306
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,116
Total noninterest expense	$385,000	11,010
Salaries and employee benefits	$240,000	10,782
Premises and equipment expense	$29,000	11,154
Additional noninterest expense	$116,000	10,939
Pre-tax net operating income	$218,000	9,680
Securities gains (losses)	$0	4,148
Applicable income taxes	$67,000	9,377
Income before extraordinary items	$151,000	9,784
Extraordinary gains, net	$0	53
Net income	$151,000	9,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$40,000	7,695
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$151,000	9,727
1995-12-31 (YTD Data)		Rank
Total interest income	$804,000	11,515
Total interest expense	$389,000	11,365
Net interest income	$415,000	11,574
Provision for loan and lease losses	$27,000	7,269
Total noninterest income	$80,000	10,736
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	9,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	9,426
Total noninterest expense	$360,000	11,568
Salaries and employee benefits	$196,000	11,515
Premises and equipment expense	$44,000	11,264
Additional noninterest expense	$120,000	11,424
Pre-tax net operating income	$108,000	11,039
Securities gains (losses)	$0	3,831
Applicable income taxes	$25,000	10,670
Income before extraordinary items	$83,000	11,076
Extraordinary gains, net	$0	65
Net income	$83,000	11,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$20,000	8,373
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$83,000	11,058
1994-12-31 (YTD Data)		Rank
Total interest income	$684,000	12,223
Total interest expense	$293,000	12,062
Net interest income	$391,000	12,239
Provision for loan and lease losses	$27,000	7,330
Total noninterest income	$68,000	11,535
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,297
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	10,350
Total noninterest expense	$383,000	12,100
Salaries and employee benefits	$223,000	11,900
Premises and equipment expense	$45,000	11,810
Additional noninterest expense	$115,000	12,162
Pre-tax net operating income	$49,000	11,915
Securities gains (losses)	$0	3,600
Applicable income taxes	$6,000	11,474
Income before extraordinary items	$43,000	11,862
Extraordinary gains, net	$0	249
Net income	$43,000	11,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,370
Cash dividends	$40,000	8,160
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$43,000	11,897
1993-12-31 (YTD Data)		Rank
Total interest income	$697,000	12,815
Total interest expense	$299,000	12,684
Net interest income	$398,000	12,818
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$110,000	11,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,719
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$376,000	12,740
Salaries and employee benefits	$218,000	12,481
Premises and equipment expense	$39,000	12,577
Additional noninterest expense	$119,000	12,770
Pre-tax net operating income	$102,000	11,853
Securities gains (losses)	$4,000	6,316
Applicable income taxes	$18,000	11,644
Income before extraordinary items	$88,000	11,922
Extraordinary gains, net	$5,000	3,059
Net income	$93,000	11,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	11,177
Cash dividends	$40,000	8,186
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$84,680	11,781
1992-12-31 (YTD Data)		Rank
Total interest income	$808,000	13,344
Total interest expense	$388,000	13,218
Net interest income	$420,000	13,333
Provision for loan and lease losses	$0	11,756
Total noninterest income	$65,000	12,707
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	11,127
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	11,257
Total noninterest expense	$373,000	13,296
Salaries and employee benefits	$241,000	12,701
Premises and equipment expense	$32,000	13,348
Additional noninterest expense	$100,000	13,523
Pre-tax net operating income	$112,000	11,899
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$21,000	12,079
Income before extraordinary items	$94,000	12,010
Extraordinary gains, net	$0	1,422
Net income	$94,000	12,076
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	9,510
Cash dividends	$10,000	8,694
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$91,540	11,750

* 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.