FSB Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 10,122 |
| Total interest expense | $561,000 | 9,938 |
| Net interest income | $595,000 | 10,195 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,198 |
| Total noninterest expense | $662,000 | 9,516 |
| Salaries and employee benefits | $361,000 | 9,523 |
| Premises and equipment expense | $90,000 | 9,218 |
| Additional noninterest expense | $211,000 | 9,259 |
| Pre-tax net operating income | $-13,000 | 10,400 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-10,000 | 10,517 |
| Income before extraordinary items | $-3,000 | 10,408 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-3,000 | 10,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-3,000 | 10,371 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,078,000 | 10,711 |
| Total interest expense | $488,000 | 10,633 |
| Net interest income | $590,000 | 10,683 |
| Provision for loan and lease losses | $89,000 | 5,411 |
| Total noninterest income | $86,000 | 10,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,870 |
| Total noninterest expense | $616,000 | 10,115 |
| Salaries and employee benefits | $320,000 | 10,183 |
| Premises and equipment expense | $73,000 | 9,997 |
| Additional noninterest expense | $223,000 | 9,673 |
| Pre-tax net operating income | $-29,000 | 10,861 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $8,000 | 10,393 |
| Income before extraordinary items | $-37,000 | 10,903 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-37,000 | 10,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-37,000 | 10,862 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $876,000 | 11,452 |
| Total interest expense | $400,000 | 11,326 |
| Net interest income | $476,000 | 11,454 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $66,000 | 11,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $496,000 | 11,032 |
| Salaries and employee benefits | $245,000 | 11,196 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $205,000 | 10,353 |
| Pre-tax net operating income | $34,000 | 11,369 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $15,000 | 10,835 |
| Income before extraordinary items | $19,000 | 11,437 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $19,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $29,000 | 8,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $19,000 | 11,402 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $846,000 | 11,989 |
| Total interest expense | $339,000 | 11,863 |
| Net interest income | $507,000 | 11,987 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $64,000 | 11,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $443,000 | 11,862 |
| Salaries and employee benefits | $216,000 | 11,949 |
| Premises and equipment expense | $44,000 | 11,852 |
| Additional noninterest expense | $183,000 | 11,359 |
| Pre-tax net operating income | $116,000 | 11,522 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $24,000 | 11,075 |
| Income before extraordinary items | $92,000 | 11,463 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $92,000 | 11,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $92,000 | 11,505 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $893,000 | 12,515 |
| Total interest expense | $411,000 | 12,174 |
| Net interest income | $482,000 | 12,599 |
| Provision for loan and lease losses | $14,000 | 9,467 |
| Total noninterest income | $60,000 | 12,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 10,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $453,000 | 12,399 |
| Salaries and employee benefits | $207,000 | 12,571 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $202,000 | 11,701 |
| Pre-tax net operating income | $75,000 | 12,021 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $16,000 | 11,688 |
| Income before extraordinary items | $59,000 | 12,186 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $59,000 | 12,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $13,000 | 8,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $59,000 | 12,032 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,005,000 | 13,016 |
| Total interest expense | $575,000 | 12,416 |
| Net interest income | $430,000 | 13,303 |
| Provision for loan and lease losses | $9,000 | 11,277 |
| Total noninterest income | $47,000 | 13,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 11,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $425,000 | 13,044 |
| Salaries and employee benefits | $215,000 | 12,994 |
| Premises and equipment expense | $42,000 | 12,992 |
| Additional noninterest expense | $168,000 | 12,683 |
| Pre-tax net operating income | $43,000 | 12,457 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,000 | 12,632 |
| Income before extraordinary items | $42,000 | 12,624 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $42,000 | 12,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $12,000 | 8,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $42,000 | 12,372 |
* 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.