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First State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,974,000	9,407
Total interest expense	$934,000	9,226
Net interest income	$1,040,000	9,446
Provision for loan and lease losses	$250,000	2,928
Total noninterest income	$418,000	5,803
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$241,000	4,950
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	5,512
Total noninterest expense	$1,074,000	8,424
Salaries and employee benefits	$615,000	8,037
Premises and equipment expense	$153,000	7,986
Additional noninterest expense	$306,000	8,818
Pre-tax net operating income	$134,000	10,188
Securities gains (losses)	$16,000	2,154
Applicable income taxes	$80,000	9,145
Income before extraordinary items	$70,000	10,454
Extraordinary gains, net	$0	53
Net income	$70,000	10,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$225,000	2,492
Cash dividends	$250,000	4,932
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$59,760	10,477
1995-12-31 (YTD Data)		Rank
Total interest income	$1,246,000	10,921
Total interest expense	$519,000	10,953
Net interest income	$727,000	10,762
Provision for loan and lease losses	$45,000	6,418
Total noninterest income	$271,000	7,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	7,225
Trading account gains and fees	NA	NA
Additional Noninterest Income	$147,000	6,047
Total noninterest expense	$961,000	9,113
Salaries and employee benefits	$444,000	9,591
Premises and equipment expense	$142,000	8,472
Additional noninterest expense	$375,000	8,452
Pre-tax net operating income	$-8,000	11,507
Securities gains (losses)	$104,000	944
Applicable income taxes	$21,000	10,738
Income before extraordinary items	$75,000	11,140
Extraordinary gains, net	$0	65
Net income	$75,000	11,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,247
Cash dividends	$150,000	6,032
Sale, conversion, retirement of capital stock, net	$1,000,000	293
Net operating income	$-6,120	11,484
1994-12-31 (YTD Data)		Rank
Total interest income	$1,032,000	11,654
Total interest expense	$345,000	11,845
Net interest income	$687,000	11,421
Provision for loan and lease losses	$22,000	7,672
Total noninterest income	$211,000	8,554
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	8,093
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	7,194
Total noninterest expense	$665,000	10,848
Salaries and employee benefits	$305,000	11,156
Premises and equipment expense	$93,000	10,249
Additional noninterest expense	$267,000	10,327
Pre-tax net operating income	$211,000	10,808
Securities gains (losses)	$7,000	2,440
Applicable income taxes	$58,000	10,278
Income before extraordinary items	$160,000	10,701
Extraordinary gains, net	$0	249
Net income	$160,000	10,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,320
Cash dividends	$200,000	5,405
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$154,890	10,815
1993-12-31 (YTD Data)		Rank
Total interest income	$983,000	12,330
Total interest expense	$324,000	12,568
Net interest income	$659,000	12,010
Provision for loan and lease losses	$-25,000	12,616
Total noninterest income	$184,000	9,527
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,960
Total noninterest expense	$621,000	11,534
Salaries and employee benefits	$265,000	12,025
Premises and equipment expense	$90,000	10,795
Additional noninterest expense	$266,000	10,877
Pre-tax net operating income	$247,000	10,639
Securities gains (losses)	$16,000	4,943
Applicable income taxes	$61,000	10,680
Income before extraordinary items	$202,000	10,630
Extraordinary gains, net	$22,000	2,659
Net income	$224,000	10,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	7,730
Cash dividends	$150,000	6,064
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$189,680	10,552
1992-12-31 (YTD Data)		Rank
Total interest income	$1,015,000	12,996
Total interest expense	$430,000	13,066
Net interest income	$585,000	12,774
Provision for loan and lease losses	$16,000	10,806
Total noninterest income	$164,000	10,187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	9,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	8,638
Total noninterest expense	$577,000	12,194
Salaries and employee benefits	$264,000	12,449
Premises and equipment expense	$83,000	11,388
Additional noninterest expense	$230,000	11,810
Pre-tax net operating income	$156,000	11,467
Securities gains (losses)	$38,000	4,584
Applicable income taxes	$54,000	11,145
Income before extraordinary items	$140,000	11,416
Extraordinary gains, net	$53,000	974
Net income	$193,000	10,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	8,849
Cash dividends	$80,000	6,992
Sale, conversion, retirement of capital stock, net	$160,000	765
Net operating income	$112,640	11,459

* 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.