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First State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,864,0007,683
Total interest expense$1,508,0007,173
Net interest income$1,356,0007,985
Provision for loan and lease losses$150,0004,136
Total noninterest income$269,0006,788
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$234,0004,700
Trading account gains and feesNANA
Additional Noninterest Income$35,0008,765
Total noninterest expense$1,002,0008,111
Salaries and employee benefits$706,0007,152
Premises and equipment expense$131,0008,043
Additional noninterest expense$165,0009,509
Pre-tax net operating income$473,0007,517
Securities gains (losses)$-2,0009,897
Applicable income taxes$176,0006,476
Income before extraordinary items$295,0007,929
Extraordinary gains, net$032
Net income$295,0007,928
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,009
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$296,2807,839
1997-12-31 (YTD Data)Rank
Total interest income$2,261,0008,690
Total interest expense$1,158,0008,235
Net interest income$1,103,0008,932
Provision for loan and lease losses$120,0004,629
Total noninterest income$217,0007,628
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$172,0005,793
Trading account gains and feesNANA
Additional Noninterest Income$45,0008,650
Total noninterest expense$928,0008,586
Salaries and employee benefits$635,0007,696
Premises and equipment expense$113,0008,659
Additional noninterest expense$180,0009,672
Pre-tax net operating income$272,0009,167
Securities gains (losses)$03,944
Applicable income taxes$58,0009,128
Income before extraordinary items$214,0009,033
Extraordinary gains, net$044
Net income$214,0009,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0003,752
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$214,0008,997
1996-12-31 (YTD Data)Rank
Total interest income$1,724,0009,779
Total interest expense$832,0009,547
Net interest income$892,0009,854
Provision for loan and lease losses$110,0004,862
Total noninterest income$187,0008,425
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$160,0006,291
Trading account gains and feesNANA
Additional Noninterest Income$27,00010,012
Total noninterest expense$723,0009,726
Salaries and employee benefits$460,0009,174
Premises and equipment expense$101,0009,258
Additional noninterest expense$162,00010,409
Pre-tax net operating income$246,0009,509
Securities gains (losses)$04,148
Applicable income taxes$79,0009,173
Income before extraordinary items$167,0009,633
Extraordinary gains, net$053
Net income$167,0009,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$60,0004,930
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$167,0009,572
1995-12-31 (YTD Data)Rank
Total interest income$1,646,00010,268
Total interest expense$756,00010,102
Net interest income$890,00010,280
Provision for loan and lease losses$65,0005,556
Total noninterest income$187,0008,635
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$158,0006,485
Trading account gains and feesNANA
Additional Noninterest Income$29,00010,336
Total noninterest expense$551,00010,794
Salaries and employee benefits$325,00010,545
Premises and equipment expense$71,00010,456
Additional noninterest expense$155,00010,999
Pre-tax net operating income$461,0008,681
Securities gains (losses)$03,831
Applicable income taxes$154,0008,195
Income before extraordinary items$307,0008,868
Extraordinary gains, net$065
Net income$307,0008,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,530
Cash dividends$55,0007,670
Sale, conversion, retirement of capital stock, net$0809
Net operating income$307,0008,837
1994-12-31 (YTD Data)Rank
Total interest income$1,464,00010,809
Total interest expense$537,00010,928
Net interest income$927,00010,639
Provision for loan and lease losses$48,0006,241
Total noninterest income$166,0009,388
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$147,0006,969
Trading account gains and feesNANA
Additional Noninterest Income$19,00011,499
Total noninterest expense$522,00011,495
Salaries and employee benefits$309,00011,122
Premises and equipment expense$62,00011,231
Additional noninterest expense$151,00011,786
Pre-tax net operating income$523,0008,497
Securities gains (losses)$1,0003,293
Applicable income taxes$156,0008,187
Income before extraordinary items$368,0008,479
Extraordinary gains, net$0249
Net income$368,0008,481
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0007,012
Cash dividends$300,0004,418
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$367,3008,523
1993-12-31 (YTD Data)Rank
Total interest income$1,415,00011,413
Total interest expense$540,00011,473
Net interest income$875,00011,257
Provision for loan and lease losses$94,0005,936
Total noninterest income$158,00010,062
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0007,368
Trading account gains and feesNANA
Additional Noninterest Income$19,00012,117
Total noninterest expense$517,00012,079
Salaries and employee benefits$289,00011,771
Premises and equipment expense$78,00011,231
Additional noninterest expense$150,00012,427
Pre-tax net operating income$422,0009,247
Securities gains (losses)$07,477
Applicable income taxes$114,0009,431
Income before extraordinary items$308,0009,383
Extraordinary gains, net$03,149
Net income$308,0009,556
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$103,0004,497
Cash dividends$96,0007,040
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$308,0009,125
1992-12-31 (YTD Data)Rank
Total interest income$1,387,00012,211
Total interest expense$609,00012,251
Net interest income$778,00011,997
Provision for loan and lease losses$43,0009,374
Total noninterest income$148,00010,533
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$144,0007,271
Trading account gains and feesNANA
Additional Noninterest Income$4,00013,723
Total noninterest expense$473,00012,788
Salaries and employee benefits$270,00012,358
Premises and equipment expense$60,00012,283
Additional noninterest expense$143,00013,060
Pre-tax net operating income$410,0009,151
Securities gains (losses)$16,0005,884
Applicable income taxes$107,0009,719
Income before extraordinary items$319,0009,058
Extraordinary gains, net$01,422
Net income$319,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0008,793
Cash dividends$71,0007,223
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$307,0008,852

* 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.