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First State Bank, Income and Expense

2008-12-31 (YTD Data)Rank
Total interest income$1,528,0007,663
Total interest expense$662,0007,389
Net interest income$866,0007,751
Provision for loan and lease losses$570,0003,604
Total noninterest income$938,0003,546
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$44,0006,730
Trading account gains and fees$0154
Additional Noninterest Income$894,0002,298
Total noninterest expense$894,0007,676
Salaries and employee benefits$448,0007,782
Premises and equipment expense$92,0007,695
Additional noninterest expense$354,0007,223
Pre-tax net operating income$340,0005,317
Securities gains (losses)$40,0001,753
Applicable income taxes$102,0003,377
Income before extraordinary items$278,0005,196
Extraordinary gains, net$039
Net income$278,0005,194
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$488,0002,829
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$248,8005,462
2008-09-30 (YTD Data)Rank
Total interest income$1,173,0007,716
Total interest expense$510,0007,480
Net interest income$663,0007,794
Provision for loan and lease losses$375,0003,175
Total noninterest income$448,0004,579
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$34,0006,756
Trading account gains and fees$0148
Additional Noninterest Income$414,0003,125
Total noninterest expense$659,0007,731
Salaries and employee benefits$346,0007,785
Premises and equipment expense$71,0007,712
Additional noninterest expense$242,0007,367
Pre-tax net operating income$77,0006,489
Securities gains (losses)$40,0001,574
Applicable income taxes$5,0005,028
Income before extraordinary items$112,0006,107
Extraordinary gains, net$031
Net income$112,0006,106
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$298,0002,568
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$73,6006,458
2008-06-30 (YTD Data)Rank
Total interest income$809,0007,755
Total interest expense$351,0007,548
Net interest income$458,0007,796
Provision for loan and lease losses$30,0005,577
Total noninterest income$225,0005,205
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$20,0006,861
Trading account gains and fees$0149
Additional Noninterest Income$205,0003,711
Total noninterest expense$443,0007,778
Salaries and employee benefits$231,0007,844
Premises and equipment expense$51,0007,691
Additional noninterest expense$161,0007,407
Pre-tax net operating income$210,0005,748
Securities gains (losses)$15,0002,228
Applicable income taxes$79,0003,685
Income before extraordinary items$146,0006,001
Extraordinary gains, net$021
Net income$146,0005,999
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,450
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$136,2506,011
2008-03-31 (YTD Data)Rank
Total interest income$416,0007,794
Total interest expense$184,0007,598
Net interest income$232,0007,833
Provision for loan and lease losses$15,0005,068
Total noninterest income$117,0005,137
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$8,0006,987
Trading account gains and fees$0158
Additional Noninterest Income$109,0003,609
Total noninterest expense$228,0007,780
Salaries and employee benefits$117,0007,875
Premises and equipment expense$29,0007,567
Additional noninterest expense$82,0007,385
Pre-tax net operating income$106,0005,943
Securities gains (losses)$15,0001,758
Applicable income taxes$44,0003,700
Income before extraordinary items$77,0006,171
Extraordinary gains, net$015
Net income$77,0006,173
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$67,4006,218
2007-12-31 (YTD Data)Rank
Total interest income$1,448,0007,927
Total interest expense$836,0007,429
Net interest income$612,0008,175
Provision for loan and lease losses$60,0005,449
Total noninterest income$814,0003,976
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$42,0006,872
Trading account gains and fees$0178
Additional Noninterest Income$772,0002,609
Total noninterest expense$856,0007,855
Salaries and employee benefits$438,0007,958
Premises and equipment expense$99,0007,763
Additional noninterest expense$319,0007,453
Pre-tax net operating income$510,0005,962
Securities gains (losses)$8,0001,417
Applicable income taxes$175,0003,988
Income before extraordinary items$343,0006,266
Extraordinary gains, net$039
Net income$343,0006,265
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0007,761
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$337,7206,272
2007-09-30 (YTD Data)Rank
Total interest income$1,046,0008,013
Total interest expense$597,0007,554
Net interest income$449,0008,253
Provision for loan and lease losses$45,0005,124
Total noninterest income$462,0004,589
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$31,0006,911
Trading account gains and fees$0184
Additional Noninterest Income$431,0003,070
Total noninterest expense$589,0007,930
Salaries and employee benefits$305,0008,023
Premises and equipment expense$64,0007,889
Additional noninterest expense$220,0007,563
Pre-tax net operating income$277,0006,655
Securities gains (losses)$8,0001,069
Applicable income taxes$95,0004,485
Income before extraordinary items$190,0006,846
Extraordinary gains, net$033
Net income$190,0006,844
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,441
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$184,6406,872
2007-06-30 (YTD Data)Rank
Total interest income$656,0008,126
Total interest expense$366,0007,678
Net interest income$290,0008,334
Provision for loan and lease losses$30,0004,873
Total noninterest income$239,0005,180
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$22,0006,923
Trading account gains and fees$0168
Additional Noninterest Income$217,0003,630
Total noninterest expense$398,0007,967
Salaries and employee benefits$204,0008,072
Premises and equipment expense$45,0007,884
Additional noninterest expense$149,0007,585
Pre-tax net operating income$101,0007,237
Securities gains (losses)$6,000974
Applicable income taxes$32,0005,076
Income before extraordinary items$75,0007,304
Extraordinary gains, net$029
Net income$75,0007,304
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,005
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$70,8007,323
2007-03-31 (YTD Data)Rank
Total interest income$314,0008,224
Total interest expense$177,0007,738
Net interest income$137,0008,424
Provision for loan and lease losses$15,0004,592
Total noninterest income$164,0004,431
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$11,0006,918
Trading account gains and fees$0195
Additional Noninterest Income$153,0002,982
Total noninterest expense$207,0007,962
Salaries and employee benefits$101,0008,117
Premises and equipment expense$24,0007,842
Additional noninterest expense$82,0007,439
Pre-tax net operating income$79,0006,933
Securities gains (losses)$6,000777
Applicable income taxes$15,0005,100
Income before extraordinary items$70,0006,861
Extraordinary gains, net$022
Net income$70,0006,860
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,566
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$65,0806,914
2006-12-31 (YTD Data)Rank
Total interest income$1,028,0008,262
Total interest expense$479,0007,961
Net interest income$549,0008,375
Provision for loan and lease losses$60,0005,315
Total noninterest income$551,0004,920
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$34,0007,114
Trading account gains and fees$0130
Additional Noninterest Income$517,0003,275
Total noninterest expense$847,0007,945
Salaries and employee benefits$409,0008,127
Premises and equipment expense$107,0007,719
Additional noninterest expense$331,0007,416
Pre-tax net operating income$193,0007,431
Securities gains (losses)$7,0001,177
Applicable income taxes$25,0005,836
Income before extraordinary items$175,0007,377
Extraordinary gains, net$051
Net income$175,0007,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0007,730
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$168,9107,401
2006-09-30 (YTD Data)Rank
Total interest income$715,0008,378
Total interest expense$317,0008,089
Net interest income$398,0008,456
Provision for loan and lease losses$45,0005,149
Total noninterest income$432,0004,839
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$21,0007,256
Trading account gains and fees$0126
Additional Noninterest Income$411,0003,174
Total noninterest expense$586,0008,055
Salaries and employee benefits$289,0008,194
Premises and equipment expense$77,0007,801
Additional noninterest expense$220,0007,631
Pre-tax net operating income$199,0007,419
Securities gains (losses)$01,388
Applicable income taxes$59,0005,330
Income before extraordinary items$140,0007,533
Extraordinary gains, net$045
Net income$140,0007,535
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0007,425
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$140,0007,535
2006-06-30 (YTD Data)Rank
Total interest income$445,0008,463
Total interest expense$186,0008,198
Net interest income$259,0008,523
Provision for loan and lease losses$30,0004,987
Total noninterest income$239,0005,255
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$14,0007,307
Trading account gains and fees$0126
Additional Noninterest Income$225,0003,515
Total noninterest expense$367,0008,156
Salaries and employee benefits$194,0008,231
Premises and equipment expense$21,0008,509
Additional noninterest expense$152,0007,586
Pre-tax net operating income$101,0007,687
Securities gains (losses)$01,185
Applicable income taxes$30,0005,570
Income before extraordinary items$71,0007,755
Extraordinary gains, net$039
Net income$71,0007,756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,074
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$71,0007,759
2006-03-31 (YTD Data)Rank
Total interest income$206,0008,520
Total interest expense$78,0008,330
Net interest income$128,0008,557
Provision for loan and lease losses$15,0004,758
Total noninterest income$138,0004,874
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$6,0007,374
Trading account gains and fees$0115
Additional Noninterest Income$132,0003,209
Total noninterest expense$183,0008,183
Salaries and employee benefits$97,0008,248
Premises and equipment expense$16,0008,272
Additional noninterest expense$70,0007,732
Pre-tax net operating income$68,0007,462
Securities gains (losses)$0955
Applicable income taxes$20,0005,352
Income before extraordinary items$48,0007,572
Extraordinary gains, net$021
Net income$48,0007,571
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,481
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$48,0007,571
2005-12-31 (YTD Data)Rank
Total interest income$58,0008,815
Total interest expense$20,0008,742
Net interest income$38,0008,817
Provision for loan and lease losses$40,0005,969
Total noninterest income$32,0008,536
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$2,0007,708
Trading account gains and fees$0138
Additional Noninterest Income$30,0007,856
Total noninterest expense$51,0008,817
Salaries and employee benefits$27,0008,803
Premises and equipment expense$3,0008,796
Additional noninterest expense$21,0008,819
Pre-tax net operating income$-21,0008,277
Securities gains (losses)$02,296
Applicable income taxes$-7,0008,450
Income before extraordinary items$-14,0008,297
Extraordinary gains, net$046
Net income$-14,0008,297
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$-14,0008,269

* 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.