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First State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,907,0007,628
Total interest expense$1,143,0008,047
Net interest income$1,764,0007,132
Provision for loan and lease losses$55,0006,428
Total noninterest income$152,0008,197
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0006,326
Trading account gains and feesNANA
Additional Noninterest Income$25,0009,238
Total noninterest expense$1,195,0007,565
Salaries and employee benefits$685,0007,271
Premises and equipment expense$124,0008,185
Additional noninterest expense$386,0007,338
Pre-tax net operating income$666,0006,615
Securities gains (losses)$04,449
Applicable income taxes$222,0005,925
Income before extraordinary items$444,0006,955
Extraordinary gains, net$032
Net income$444,0006,953
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,378
Cash dividends$27,0007,181
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$444,0006,853
1997-12-31 (YTD Data)Rank
Total interest income$2,887,0007,904
Total interest expense$1,141,0008,280
Net interest income$1,746,0007,438
Provision for loan and lease losses$35,0007,233
Total noninterest income$148,0008,621
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$123,0006,696
Trading account gains and feesNANA
Additional Noninterest Income$25,0009,587
Total noninterest expense$1,089,0008,036
Salaries and employee benefits$633,0007,704
Premises and equipment expense$131,0008,214
Additional noninterest expense$325,0008,074
Pre-tax net operating income$770,0006,682
Securities gains (losses)$03,944
Applicable income taxes$278,0005,939
Income before extraordinary items$492,0007,017
Extraordinary gains, net$044
Net income$492,0007,018
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,932
Cash dividends$7,0007,790
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$492,0006,963
1996-12-31 (YTD Data)Rank
Total interest income$2,730,0008,373
Total interest expense$1,159,0008,501
Net interest income$1,571,0008,101
Provision for loan and lease losses$20,0007,945
Total noninterest income$164,0008,793
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$118,0007,104
Trading account gains and feesNANA
Additional Noninterest Income$46,0009,071
Total noninterest expense$1,061,0008,467
Salaries and employee benefits$616,0008,028
Premises and equipment expense$127,0008,603
Additional noninterest expense$318,0008,690
Pre-tax net operating income$654,0007,146
Securities gains (losses)$-1,0009,274
Applicable income taxes$237,0006,613
Income before extraordinary items$416,0007,489
Extraordinary gains, net$053
Net income$416,0007,487
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,676
Cash dividends$7,0008,249
Sale, conversion, retirement of capital stock, net$0953
Net operating income$416,6407,428
1995-12-31 (YTD Data)Rank
Total interest income$2,581,0008,839
Total interest expense$1,103,0008,893
Net interest income$1,478,0008,595
Provision for loan and lease losses$45,0006,418
Total noninterest income$163,0009,088
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$128,0007,139
Trading account gains and feesNANA
Additional Noninterest Income$35,0009,970
Total noninterest expense$1,055,0008,733
Salaries and employee benefits$593,0008,402
Premises and equipment expense$124,0008,943
Additional noninterest expense$338,0008,818
Pre-tax net operating income$541,0008,212
Securities gains (losses)$03,831
Applicable income taxes$186,0007,672
Income before extraordinary items$355,0008,433
Extraordinary gains, net$065
Net income$355,0008,435
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,680
Cash dividends$73,0007,347
Sale, conversion, retirement of capital stock, net$0809
Net operating income$355,0008,412
1994-12-31 (YTD Data)Rank
Total interest income$2,442,0009,010
Total interest expense$983,0008,769
Net interest income$1,459,0008,993
Provision for loan and lease losses$20,0007,754
Total noninterest income$149,0009,723
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$83,0008,589
Trading account gains and feesNANA
Additional Noninterest Income$66,0008,828
Total noninterest expense$1,047,0009,180
Salaries and employee benefits$560,0008,890
Premises and equipment expense$112,0009,637
Additional noninterest expense$375,0009,083
Pre-tax net operating income$541,0008,378
Securities gains (losses)$03,600
Applicable income taxes$184,0007,635
Income before extraordinary items$357,0008,579
Extraordinary gains, net$0249
Net income$357,0008,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$78,0004,203
Cash dividends$8,0008,823
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$357,0008,629
1993-12-31 (YTD Data)Rank
Total interest income$2,450,0009,289
Total interest expense$992,0009,149
Net interest income$1,458,0009,244
Provision for loan and lease losses$45,0007,729
Total noninterest income$144,00010,332
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0008,082
Trading account gains and feesNANA
Additional Noninterest Income$33,00011,102
Total noninterest expense$1,010,0009,689
Salaries and employee benefits$550,0009,216
Premises and equipment expense$90,00010,795
Additional noninterest expense$370,0009,605
Pre-tax net operating income$547,0008,322
Securities gains (losses)$07,477
Applicable income taxes$192,0007,775
Income before extraordinary items$355,0008,884
Extraordinary gains, net$03,149
Net income$355,0009,053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$92,0004,735
Cash dividends$278,0004,620
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$355,0008,628
1992-12-31 (YTD Data)Rank
Total interest income$2,671,0009,586
Total interest expense$1,216,0009,544
Net interest income$1,455,0009,428
Provision for loan and lease losses$65,0008,399
Total noninterest income$139,00010,707
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$107,0008,311
Trading account gains and feesNANA
Additional Noninterest Income$32,00011,632
Total noninterest expense$957,00010,174
Salaries and employee benefits$504,0009,748
Premises and equipment expense$82,00011,425
Additional noninterest expense$371,0009,932
Pre-tax net operating income$572,0007,910
Securities gains (losses)$08,369
Applicable income taxes$210,0007,363
Income before extraordinary items$362,0008,594
Extraordinary gains, net$01,422
Net income$362,0008,721
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0008,076
Cash dividends$207,0004,913
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$362,0008,235

* 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.