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First State Bank, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$16,127,0001,909
Total interest expense$7,567,0001,501
Net interest income$8,560,0002,261
Provision for loan and lease losses$1,210,0001,122
Total noninterest income$2,152,0002,011
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,366,0001,179
Trading account gains and fees$0153
Additional Noninterest Income$786,0002,531
Total noninterest expense$9,023,0001,683
Salaries and employee benefits$4,313,0001,865
Premises and equipment expense$1,472,0001,506
Additional noninterest expense$3,238,0001,470
Pre-tax net operating income$479,0006,847
Securities gains (losses)$78,0001,993
Applicable income taxes$139,0005,615
Income before extraordinary items$418,0006,753
Extraordinary gains, net$070
Net income$418,0006,752
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$961,0001,002
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$359,5006,905
2001-12-31 (YTD Data)Rank
Total interest income$18,989,0001,796
Total interest expense$12,351,0001,319
Net interest income$6,638,0002,691
Provision for loan and lease losses$3,717,000444
Total noninterest income$1,451,0002,578
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$990,0001,488
Trading account gains and fees$0177
Additional Noninterest Income$461,0003,270
Total noninterest expense$7,952,0001,819
Salaries and employee benefits$3,700,0002,032
Premises and equipment expense$1,156,0001,858
Additional noninterest expense$3,096,0001,504
Pre-tax net operating income$-3,580,0009,547
Securities gains (losses)$04,612
Applicable income taxes$-1,408,0009,565
Income before extraordinary items$-2,172,0009,532
Extraordinary gains, net$0105
Net income$-2,172,0009,533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,765,000623
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-2,172,0009,509
2000-12-31 (YTD Data)Rank
Total interest income$20,376,0001,696
Total interest expense$12,678,0001,372
Net interest income$7,698,0002,310
Provision for loan and lease losses$2,118,000585
Total noninterest income$1,750,0002,065
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$768,0001,809
Trading account gains and fees$0180
Additional Noninterest Income$982,0001,882
Total noninterest expense$6,239,0002,203
Salaries and employee benefits$2,970,0002,414
Premises and equipment expense$667,0002,996
Additional noninterest expense$2,602,0001,704
Pre-tax net operating income$1,091,0005,023
Securities gains (losses)$2,0001,609
Applicable income taxes$363,0004,198
Income before extraordinary items$730,0005,308
Extraordinary gains, net$038
Net income$730,0005,307
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,050,000472
Cash dividends$1,200,0001,976
Sale, conversion, retirement of capital stock, net$0969
Net operating income$728,6605,316
1999-12-31 (YTD Data)Rank
Total interest income$19,197,0001,690
Total interest expense$10,483,0001,434
Net interest income$8,714,0002,018
Provision for loan and lease losses$1,250,000814
Total noninterest income$893,0003,360
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$467,0002,796
Trading account gains and fees$0173
Additional Noninterest Income$426,0003,275
Total noninterest expense$5,325,0002,544
Salaries and employee benefits$2,579,0002,720
Premises and equipment expense$653,0003,050
Additional noninterest expense$2,093,0002,080
Pre-tax net operating income$3,032,0002,397
Securities gains (losses)$-9,0009,275
Applicable income taxes$1,083,0002,083
Income before extraordinary items$1,940,0002,659
Extraordinary gains, net$035
Net income$1,940,0002,659
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$992,000713
Cash dividends$1,100,0002,102
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,945,7602,621
1998-12-31 (YTD Data)Rank
Total interest income$19,702,0001,651
Total interest expense$11,329,0001,360
Net interest income$8,373,0002,044
Provision for loan and lease losses$750,0001,238
Total noninterest income$818,0003,568
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$416,0003,029
Trading account gains and fees$0224
Additional Noninterest Income$402,0003,434
Total noninterest expense$4,589,0002,822
Salaries and employee benefits$2,274,0002,964
Premises and equipment expense$490,0003,763
Additional noninterest expense$1,825,0002,287
Pre-tax net operating income$3,852,0001,896
Securities gains (losses)$27,0002,200
Applicable income taxes$1,327,0001,818
Income before extraordinary items$2,552,0002,047
Extraordinary gains, net$032
Net income$2,552,0002,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$571,0001,133
Cash dividends$750,0002,706
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,534,1801,986
1997-12-31 (YTD Data)Rank
Total interest income$18,987,0001,741
Total interest expense$10,419,0001,489
Net interest income$8,568,0002,032
Provision for loan and lease losses$900,0001,074
Total noninterest income$727,0003,859
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$456,0002,862
Trading account gains and fees$0239
Additional Noninterest Income$271,0004,163
Total noninterest expense$4,438,0002,863
Salaries and employee benefits$2,261,0002,929
Premises and equipment expense$518,0003,591
Additional noninterest expense$1,659,0002,485
Pre-tax net operating income$3,957,0001,899
Securities gains (losses)$16,0002,045
Applicable income taxes$1,354,0001,870
Income before extraordinary items$2,619,0002,015
Extraordinary gains, net$044
Net income$2,619,0002,014
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,046,000781
Cash dividends$700,0002,776
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,608,4401,970
1996-12-31 (YTD Data)Rank
Total interest income$18,675,0001,808
Total interest expense$10,170,0001,567
Net interest income$8,505,0002,104
Provision for loan and lease losses$600,0001,497
Total noninterest income$825,0003,619
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$486,0002,783
Trading account gains and fees$0262
Additional Noninterest Income$339,0003,781
Total noninterest expense$4,551,0002,988
Salaries and employee benefits$2,189,0003,051
Premises and equipment expense$587,0003,277
Additional noninterest expense$1,775,0002,731
Pre-tax net operating income$4,179,0001,719
Securities gains (losses)$9,0002,573
Applicable income taxes$1,383,0001,729
Income before extraordinary items$2,805,0001,765
Extraordinary gains, net$053
Net income$2,805,0001,766
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$686,0001,134
Cash dividends$900,0002,306
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,798,9701,734
1995-12-31 (YTD Data)Rank
Total interest income$17,377,0001,947
Total interest expense$9,668,0001,642
Net interest income$7,709,0002,331
Provision for loan and lease losses$600,0001,345
Total noninterest income$735,0003,936
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$458,0002,961
Trading account gains and fees$0522
Additional Noninterest Income$277,0004,203
Total noninterest expense$4,404,0003,046
Salaries and employee benefits$2,067,0003,209
Premises and equipment expense$542,0003,507
Additional noninterest expense$1,795,0002,631
Pre-tax net operating income$3,440,0002,132
Securities gains (losses)$22,0001,840
Applicable income taxes$1,021,0002,334
Income before extraordinary items$2,441,0002,067
Extraordinary gains, net$065
Net income$2,441,0002,065
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$287,0001,993
Cash dividends$700,0002,638
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,425,3802,046
1994-12-31 (YTD Data)Rank
Total interest income$14,166,0002,160
Total interest expense$7,436,0001,686
Net interest income$6,730,0002,696
Provision for loan and lease losses$400,0001,822
Total noninterest income$523,0005,133
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$318,0004,157
Trading account gains and fees$0475
Additional Noninterest Income$205,0005,180
Total noninterest expense$4,038,0003,404
Salaries and employee benefits$1,796,0003,625
Premises and equipment expense$526,0003,639
Additional noninterest expense$1,716,0002,946
Pre-tax net operating income$2,815,0002,516
Securities gains (losses)$43,0001,243
Applicable income taxes$846,0002,638
Income before extraordinary items$2,012,0002,417
Extraordinary gains, net$0249
Net income$2,012,0002,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$287,0001,962
Cash dividends$200,0005,405
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,981,9002,466
1993-12-31 (YTD Data)Rank
Total interest income$12,149,0002,540
Total interest expense$5,601,0002,310
Net interest income$6,548,0002,751
Provision for loan and lease losses$680,0001,698
Total noninterest income$559,0005,197
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$327,0004,113
Trading account gains and fees$0532
Additional Noninterest Income$232,0005,222
Total noninterest expense$3,774,0003,671
Salaries and employee benefits$1,616,0003,995
Premises and equipment expense$577,0003,447
Additional noninterest expense$1,581,0003,347
Pre-tax net operating income$2,653,0002,571
Securities gains (losses)$38,0003,799
Applicable income taxes$904,0002,511
Income before extraordinary items$1,787,0002,781
Extraordinary gains, net$41,0002,294
Net income$1,828,0002,813
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$305,0002,449
Cash dividends$750,0002,263
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,761,9202,667
1992-12-31 (YTD Data)Rank
Total interest income$11,466,0003,070
Total interest expense$5,858,0002,845
Net interest income$5,608,0003,268
Provision for loan and lease losses$460,0003,175
Total noninterest income$496,0005,668
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$316,0004,266
Trading account gains and feesNANA
Additional Noninterest Income$180,0006,025
Total noninterest expense$3,264,0004,196
Salaries and employee benefits$1,441,0004,378
Premises and equipment expense$499,0003,971
Additional noninterest expense$1,324,0003,981
Pre-tax net operating income$2,380,0002,619
Securities gains (losses)$150,0002,415
Applicable income taxes$835,0002,495
Income before extraordinary items$1,695,0002,718
Extraordinary gains, net$01,422
Net income$1,695,0002,758
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$228,0003,927
Cash dividends$400,0003,284
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,594,5002,663

* 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.