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First State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$13,670,0002,383
Total interest expense$6,883,0002,199
Net interest income$6,787,0002,502
Provision for loan and lease losses$15,695,000159
Total noninterest income$1,575,0002,183
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,440,000857
Trading account gains and fees$0224
Additional Noninterest Income$135,0005,944
Total noninterest expense$4,340,0002,989
Salaries and employee benefits$1,945,0003,434
Premises and equipment expense$733,0002,661
Additional noninterest expense$1,662,0002,509
Pre-tax net operating income$-11,673,00010,468
Securities gains (losses)$-107,00010,397
Applicable income taxes$-5,924,00010,456
Income before extraordinary items$-5,856,00010,444
Extraordinary gains, net$032
Net income$-5,856,00010,443
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,029,000150
Cash dividends$17,0007,297
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-5,787,52010,438
1997-12-31 (YTD Data)Rank
Total interest income$13,358,0002,455
Total interest expense$6,721,0002,243
Net interest income$6,637,0002,619
Provision for loan and lease losses$3,350,000406
Total noninterest income$1,150,0002,730
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,052,0001,205
Trading account gains and fees$0239
Additional Noninterest Income$98,0006,853
Total noninterest expense$4,195,0003,041
Salaries and employee benefits$2,028,0003,263
Premises and equipment expense$611,0003,098
Additional noninterest expense$1,556,0002,641
Pre-tax net operating income$242,0009,338
Securities gains (losses)$-145,00010,810
Applicable income taxes$010,065
Income before extraordinary items$97,0009,979
Extraordinary gains, net$044
Net income$97,0009,980
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,683,000416
Cash dividends$40,0007,339
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$242,0008,777
1996-12-31 (YTD Data)Rank
Total interest income$5,105,0005,849
Total interest expense$2,215,0006,020
Net interest income$2,890,0005,592
Provision for loan and lease losses$1,422,000781
Total noninterest income$1,117,0002,846
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$552,0002,468
Trading account gains and feesNANA
Additional Noninterest Income$565,0002,683
Total noninterest expense$4,023,0003,330
Salaries and employee benefits$1,356,0004,709
Premises and equipment expense$487,0003,860
Additional noninterest expense$2,180,0002,270
Pre-tax net operating income$-1,438,00011,381
Securities gains (losses)$1,0003,760
Applicable income taxes$-344,00011,323
Income before extraordinary items$-1,093,00011,372
Extraordinary gains, net$053
Net income$-1,093,00011,372
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,246,000774
Cash dividends$361,0004,114
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-1,093,76011,353
1995-12-31 (YTD Data)Rank
Total interest income$5,278,0005,754
Total interest expense$2,584,0005,419
Net interest income$2,694,0005,971
Provision for loan and lease losses$359,0002,041
Total noninterest income$1,001,0003,097
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$615,0002,204
Trading account gains and feesNANA
Additional Noninterest Income$386,0003,379
Total noninterest expense$2,507,0004,987
Salaries and employee benefits$705,0007,685
Premises and equipment expense$344,0005,083
Additional noninterest expense$1,458,0003,166
Pre-tax net operating income$829,0006,725
Securities gains (losses)$-2,0009,253
Applicable income taxes$292,0006,108
Income before extraordinary items$535,0007,002
Extraordinary gains, net$065
Net income$535,0007,001
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$327,0001,837
Cash dividends$165,0005,889
Sale, conversion, retirement of capital stock, net$0809
Net operating income$536,3006,971
1994-12-31 (YTD Data)Rank
Total interest income$3,878,0006,856
Total interest expense$1,738,0006,240
Net interest income$2,140,0007,228
Provision for loan and lease losses$170,0003,353
Total noninterest income$817,0003,663
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$637,0002,119
Trading account gains and feesNANA
Additional Noninterest Income$180,0005,611
Total noninterest expense$2,658,0004,887
Salaries and employee benefits$703,0007,859
Premises and equipment expense$378,0004,815
Additional noninterest expense$1,577,0003,162
Pre-tax net operating income$129,00011,420
Securities gains (losses)$03,600
Applicable income taxes$32,00010,876
Income before extraordinary items$97,00011,412
Extraordinary gains, net$0249
Net income$97,00011,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$146,0003,018
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$97,00011,455
1993-12-31 (YTD Data)Rank
Total interest income$3,282,0007,869
Total interest expense$1,399,0007,544
Net interest income$1,883,0008,003
Provision for loan and lease losses$183,0004,103
Total noninterest income$1,119,0003,073
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$688,0001,983
Trading account gains and feesNANA
Additional Noninterest Income$431,0003,585
Total noninterest expense$2,224,0005,813
Salaries and employee benefits$573,0009,027
Premises and equipment expense$340,0005,343
Additional noninterest expense$1,311,0003,911
Pre-tax net operating income$595,0007,978
Securities gains (losses)$07,477
Applicable income taxes$161,0008,402
Income before extraordinary items$434,0008,111
Extraordinary gains, net$03,149
Net income$434,0008,277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$189,0003,231
Cash dividends$290,0004,525
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$434,0007,839
1992-12-31 (YTD Data)Rank
Total interest income$3,216,0008,612
Total interest expense$1,593,0008,226
Net interest income$1,623,0008,898
Provision for loan and lease losses$180,0005,503
Total noninterest income$1,059,0003,169
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$669,0002,032
Trading account gains and feesNANA
Additional Noninterest Income$390,0003,768
Total noninterest expense$2,052,0006,242
Salaries and employee benefits$538,0009,389
Premises and equipment expense$304,0005,913
Additional noninterest expense$1,210,0004,313
Pre-tax net operating income$450,0008,802
Securities gains (losses)$6,0006,913
Applicable income taxes$172,0008,127
Income before extraordinary items$284,0009,497
Extraordinary gains, net$172,000500
Net income$456,0007,803
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$220,0003,995
Cash dividends$278,0004,221
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$280,1609,173

* 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.