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First State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,346,0008,263
Total interest expense$801,0008,937
Net interest income$1,545,0007,581
Provision for loan and lease losses$20,0007,729
Total noninterest income$240,0007,112
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$165,0005,686
Trading account gains and feesNANA
Additional Noninterest Income$75,0007,329
Total noninterest expense$662,0009,219
Salaries and employee benefits$316,0009,532
Premises and equipment expense$40,00010,020
Additional noninterest expense$306,0008,065
Pre-tax net operating income$1,103,0005,131
Securities gains (losses)$04,449
Applicable income taxes$360,0004,695
Income before extraordinary items$743,0005,418
Extraordinary gains, net$032
Net income$743,0005,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,0009,741
Cash dividends$336,0004,336
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$743,0005,317
1997-12-31 (YTD Data)Rank
Total interest income$2,173,0008,819
Total interest expense$711,0009,513
Net interest income$1,462,0008,068
Provision for loan and lease losses$35,0007,233
Total noninterest income$332,0006,318
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$179,0005,677
Trading account gains and feesNANA
Additional Noninterest Income$153,0005,635
Total noninterest expense$638,0009,597
Salaries and employee benefits$300,0009,951
Premises and equipment expense$35,00010,527
Additional noninterest expense$303,0008,290
Pre-tax net operating income$1,121,0005,459
Securities gains (losses)$03,944
Applicable income taxes$358,0005,227
Income before extraordinary items$763,0005,613
Extraordinary gains, net$044
Net income$763,0005,617
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,539
Cash dividends$322,0004,402
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$763,0005,564
1996-12-31 (YTD Data)Rank
Total interest income$1,914,0009,494
Total interest expense$668,00010,066
Net interest income$1,246,0008,910
Provision for loan and lease losses$09,041
Total noninterest income$286,0007,115
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$161,0006,268
Trading account gains and feesNANA
Additional Noninterest Income$125,0006,477
Total noninterest expense$590,00010,202
Salaries and employee benefits$283,00010,486
Premises and equipment expense$33,00011,075
Additional noninterest expense$274,0009,148
Pre-tax net operating income$942,0005,946
Securities gains (losses)$04,148
Applicable income taxes$294,0005,902
Income before extraordinary items$648,0006,002
Extraordinary gains, net$053
Net income$648,0006,003
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00010,529
Cash dividends$280,0004,699
Sale, conversion, retirement of capital stock, net$0953
Net operating income$648,0005,940
1995-12-31 (YTD Data)Rank
Total interest income$1,780,00010,046
Total interest expense$602,00010,655
Net interest income$1,178,0009,401
Provision for loan and lease losses$08,958
Total noninterest income$465,0005,445
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0006,895
Trading account gains and feesNANA
Additional Noninterest Income$326,0003,807
Total noninterest expense$593,00010,592
Salaries and employee benefits$257,00011,104
Premises and equipment expense$37,00011,447
Additional noninterest expense$299,0009,249
Pre-tax net operating income$1,050,0005,795
Securities gains (losses)$03,831
Applicable income taxes$326,0005,713
Income before extraordinary items$724,0005,846
Extraordinary gains, net$065
Net income$724,0005,843
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00010,757
Cash dividends$245,0005,050
Sale, conversion, retirement of capital stock, net$0809
Net operating income$724,0005,826
1994-12-31 (YTD Data)Rank
Total interest income$1,527,00010,690
Total interest expense$431,00011,434
Net interest income$1,096,00010,078
Provision for loan and lease losses$09,146
Total noninterest income$272,0007,624
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$126,0007,458
Trading account gains and feesNANA
Additional Noninterest Income$146,0006,278
Total noninterest expense$553,00011,340
Salaries and employee benefits$227,00011,865
Premises and equipment expense$29,00012,238
Additional noninterest expense$297,0009,995
Pre-tax net operating income$815,0006,802
Securities gains (losses)$03,600
Applicable income taxes$224,0006,953
Income before extraordinary items$591,0006,605
Extraordinary gains, net$0249
Net income$591,0006,620
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,00010,731
Cash dividends$175,0005,766
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$591,0006,664
1993-12-31 (YTD Data)Rank
Total interest income$1,563,00011,082
Total interest expense$456,00011,909
Net interest income$1,107,00010,378
Provision for loan and lease losses$25,0008,682
Total noninterest income$151,00010,182
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$108,0008,152
Trading account gains and feesNANA
Additional Noninterest Income$43,00010,513
Total noninterest expense$550,00011,910
Salaries and employee benefits$251,00012,183
Premises and equipment expense$30,00012,856
Additional noninterest expense$269,00010,837
Pre-tax net operating income$683,0007,453
Securities gains (losses)$07,477
Applicable income taxes$199,0007,638
Income before extraordinary items$484,0007,683
Extraordinary gains, net$21,0002,682
Net income$505,0007,688
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0008,132
Cash dividends$140,0006,241
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$484,0007,430
1992-12-31 (YTD Data)Rank
Total interest income$1,768,00011,379
Total interest expense$578,00012,403
Net interest income$1,190,00010,358
Provision for loan and lease losses$70,0008,246
Total noninterest income$221,0009,009
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$109,0008,244
Trading account gains and feesNANA
Additional Noninterest Income$112,0007,695
Total noninterest expense$567,00012,267
Salaries and employee benefits$219,00012,944
Premises and equipment expense$41,00013,024
Additional noninterest expense$307,00010,733
Pre-tax net operating income$774,0006,691
Securities gains (losses)$08,369
Applicable income taxes$247,0006,708
Income before extraordinary items$527,0007,111
Extraordinary gains, net$01,422
Net income$527,0007,205
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0008,662
Cash dividends$70,0007,232
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$527,0006,733

* 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.