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Grafton State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$397,000	9,470
Total interest expense	$181,000	9,404
Net interest income	$216,000	9,479
Provision for loan and lease losses	$0	8,228
Total noninterest income	$4,000	9,518
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$3,000	8,339
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,000	9,443
Total noninterest expense	$164,000	9,577
Salaries and employee benefits	$81,000	9,568
Premises and equipment expense	$34,000	9,367
Additional noninterest expense	$49,000	9,553
Pre-tax net operating income	$56,000	8,523
Securities gains (losses)	$0	4,612
Applicable income taxes	$23,000	7,236
Income before extraordinary items	$33,000	8,681
Extraordinary gains, net	$0	105
Net income	$33,000	8,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	8,788
Cash dividends	$7,000	6,555
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$33,000	8,591
2000-12-31 (YTD Data)		Rank
Total interest income	$995,000	9,396
Total interest expense	$462,000	9,317
Net interest income	$533,000	9,403
Provision for loan and lease losses	$0	8,337
Total noninterest income	$38,000	9,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	8,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	9,518
Total noninterest expense	$430,000	9,536
Salaries and employee benefits	$317,000	9,182
Premises and equipment expense	$30,000	9,671
Additional noninterest expense	$83,000	9,728
Pre-tax net operating income	$141,000	8,638
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$32,000	7,564
Income before extraordinary items	$108,000	8,654
Extraordinary gains, net	$0	38
Net income	$108,000	8,653
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$20,000	6,667
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$108,770	8,640
1999-12-31 (YTD Data)		Rank
Total interest income	$916,000	9,693
Total interest expense	$419,000	9,607
Net interest income	$497,000	9,687
Provision for loan and lease losses	$6,000	8,268
Total noninterest income	$42,000	9,707
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	8,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	9,823
Total noninterest expense	$405,000	9,866
Salaries and employee benefits	$279,000	9,582
Premises and equipment expense	$31,000	9,958
Additional noninterest expense	$95,000	9,954
Pre-tax net operating income	$128,000	8,939
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$29,000	8,032
Income before extraordinary items	$100,000	8,969
Extraordinary gains, net	$0	35
Net income	$100,000	8,967
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,179
Cash dividends	$15,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$99,220	8,939
1998-12-31 (YTD Data)		Rank
Total interest income	$930,000	9,910
Total interest expense	$444,000	9,811
Net interest income	$486,000	9,951
Provision for loan and lease losses	$1,000	8,622
Total noninterest income	$42,000	9,951
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,162
Total noninterest expense	$399,000	10,059
Salaries and employee benefits	$270,000	9,779
Premises and equipment expense	$30,000	10,179
Additional noninterest expense	$99,000	10,132
Pre-tax net operating income	$128,000	9,291
Securities gains (losses)	$0	4,449
Applicable income taxes	$26,000	8,769
Income before extraordinary items	$102,000	9,331
Extraordinary gains, net	$0	32
Net income	$102,000	9,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$14,000	7,331
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$102,000	9,260
1997-12-31 (YTD Data)		Rank
Total interest income	$843,000	10,448
Total interest expense	$397,000	10,340
Net interest income	$446,000	10,489
Provision for loan and lease losses	$9,000	8,470
Total noninterest income	$42,000	10,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	8,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,622
Total noninterest expense	$366,000	10,561
Salaries and employee benefits	$261,000	10,204
Premises and equipment expense	$25,000	10,690
Additional noninterest expense	$80,000	10,694
Pre-tax net operating income	$113,000	10,016
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$27,000	9,605
Income before extraordinary items	$90,000	10,020
Extraordinary gains, net	$0	44
Net income	$90,000	10,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,455
Cash dividends	$13,000	7,702
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$86,920	10,006
1996-12-31 (YTD Data)		Rank
Total interest income	$816,000	11,008
Total interest expense	$407,000	10,856
Net interest income	$409,000	11,069
Provision for loan and lease losses	$3,000	8,923
Total noninterest income	$36,000	11,065
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	9,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,207
Total noninterest expense	$315,000	11,188
Salaries and employee benefits	$222,000	10,892
Premises and equipment expense	$24,000	11,240
Additional noninterest expense	$69,000	11,307
Pre-tax net operating income	$127,000	10,222
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$26,000	10,095
Income before extraordinary items	$105,000	10,174
Extraordinary gains, net	$0	53
Net income	$105,000	10,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$30,000	7,843
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$101,800	10,156
1995-12-31 (YTD Data)		Rank
Total interest income	$745,000	11,585
Total interest expense	$366,000	11,427
Net interest income	$379,000	11,644
Provision for loan and lease losses	$5,000	8,671
Total noninterest income	$34,000	11,597
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	9,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,753
Total noninterest expense	$299,000	11,716
Salaries and employee benefits	$212,000	11,420
Premises and equipment expense	$24,000	11,743
Additional noninterest expense	$63,000	11,848
Pre-tax net operating income	$109,000	11,034
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$25,000	10,670
Income before extraordinary items	$87,000	11,041
Extraordinary gains, net	$0	65
Net income	$87,000	11,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$30,000	8,164
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$84,660	11,039
1994-12-31 (YTD Data)		Rank
Total interest income	$691,000	12,212
Total interest expense	$297,000	12,048
Net interest income	$394,000	12,236
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$37,000	12,169
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	10,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$316,000	12,310
Salaries and employee benefits	$194,000	12,101
Premises and equipment expense	$21,000	12,416
Additional noninterest expense	$101,000	12,280
Pre-tax net operating income	$110,000	11,559
Securities gains (losses)	$0	3,600
Applicable income taxes	$30,000	10,923
Income before extraordinary items	$80,000	11,564
Extraordinary gains, net	$0	249
Net income	$80,000	11,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$33,000	8,313
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$80,000	11,610
1993-12-31 (YTD Data)		Rank
Total interest income	$632,000	12,903
Total interest expense	$291,000	12,710
Net interest income	$341,000	12,926
Provision for loan and lease losses	$11,000	9,693
Total noninterest income	$32,000	12,905
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,037
Total noninterest expense	$280,000	13,032
Salaries and employee benefits	$190,000	12,716
Premises and equipment expense	$21,000	13,062
Additional noninterest expense	$69,000	13,143
Pre-tax net operating income	$82,000	11,984
Securities gains (losses)	$15,000	5,022
Applicable income taxes	$21,000	11,584
Income before extraordinary items	$76,000	12,045
Extraordinary gains, net	$0	3,149
Net income	$76,000	12,073
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	8,470
Cash dividends	$33,000	8,371
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$64,300	11,994
1992-12-31 (YTD Data)		Rank
Total interest income	$681,000	13,514
Total interest expense	$331,000	13,400
Net interest income	$350,000	13,509
Provision for loan and lease losses	$49,000	9,137
Total noninterest income	$33,000	13,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	11,097
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	13,723
Total noninterest expense	$277,000	13,633
Salaries and employee benefits	$183,000	13,308
Premises and equipment expense	$19,000	13,693
Additional noninterest expense	$75,000	13,723
Pre-tax net operating income	$57,000	12,373
Securities gains (losses)	$13,000	6,142
Applicable income taxes	$14,000	12,262
Income before extraordinary items	$56,000	12,500
Extraordinary gains, net	$5,000	1,386
Net income	$61,000	12,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	7,598
Cash dividends	$30,000	8,198
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$45,600	12,345

* 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.