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Hamel State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,517,000	6,766
Total interest expense	$1,842,000	6,354
Net interest income	$1,675,000	7,020
Provision for loan and lease losses	$48,000	6,745
Total noninterest income	$178,000	7,540
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$135,000	6,013
Trading account gains and fees	$0	177
Additional Noninterest Income	$43,000	7,892
Total noninterest expense	$1,096,000	7,695
Salaries and employee benefits	$599,000	7,675
Premises and equipment expense	$87,000	8,512
Additional noninterest expense	$410,000	7,063
Pre-tax net operating income	$709,000	5,783
Securities gains (losses)	$0	4,612
Applicable income taxes	$194,000	5,086
Income before extraordinary items	$515,000	5,991
Extraordinary gains, net	$0	105
Net income	$515,000	5,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,166
Cash dividends	$80,000	5,886
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$515,000	5,880
2000-12-31 (YTD Data)		Rank
Total interest income	$3,360,000	7,042
Total interest expense	$1,828,000	6,544
Net interest income	$1,532,000	7,420
Provision for loan and lease losses	$36,000	6,984
Total noninterest income	$194,000	7,350
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	5,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,624
Total noninterest expense	$1,074,000	7,809
Salaries and employee benefits	$566,000	7,882
Premises and equipment expense	$77,000	8,850
Additional noninterest expense	$431,000	6,916
Pre-tax net operating income	$616,000	6,522
Securities gains (losses)	$0	1,956
Applicable income taxes	$174,000	5,672
Income before extraordinary items	$442,000	6,617
Extraordinary gains, net	$0	38
Net income	$442,000	6,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,868
Cash dividends	$140,000	5,600
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$442,000	6,635
1999-12-31 (YTD Data)		Rank
Total interest income	$3,212,000	7,143
Total interest expense	$1,774,000	6,404
Net interest income	$1,438,000	7,712
Provision for loan and lease losses	$36,000	6,998
Total noninterest income	$174,000	7,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	6,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,882
Total noninterest expense	$1,046,000	7,989
Salaries and employee benefits	$552,000	8,025
Premises and equipment expense	$97,000	8,686
Additional noninterest expense	$397,000	7,298
Pre-tax net operating income	$530,000	6,997
Securities gains (losses)	$0	3,155
Applicable income taxes	$155,000	6,214
Income before extraordinary items	$375,000	7,125
Extraordinary gains, net	$0	35
Net income	$375,000	7,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,085
Cash dividends	$83,000	6,262
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$375,000	7,101
1998-12-31 (YTD Data)		Rank
Total interest income	$3,159,000	7,345
Total interest expense	$1,900,000	6,348
Net interest income	$1,259,000	8,197
Provision for loan and lease losses	$18,000	7,833
Total noninterest income	$126,000	8,604
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,189
Total noninterest expense	$970,000	8,211
Salaries and employee benefits	$488,000	8,435
Premises and equipment expense	$89,000	8,954
Additional noninterest expense	$393,000	7,272
Pre-tax net operating income	$397,000	7,895
Securities gains (losses)	$-4,000	10,023
Applicable income taxes	$102,000	7,498
Income before extraordinary items	$291,000	7,958
Extraordinary gains, net	$0	32
Net income	$291,000	7,957
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$48,000	6,948
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$293,960	7,859
1997-12-31 (YTD Data)		Rank
Total interest income	$2,696,000	8,131
Total interest expense	$1,568,000	7,188
Net interest income	$1,128,000	8,873
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$107,000	9,285
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	7,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	9,280
Total noninterest expense	$879,000	8,750
Salaries and employee benefits	$434,000	9,045
Premises and equipment expense	$74,000	9,594
Additional noninterest expense	$371,000	7,614
Pre-tax net operating income	$344,000	8,759
Securities gains (losses)	$0	3,944
Applicable income taxes	$85,000	8,663
Income before extraordinary items	$259,000	8,679
Extraordinary gains, net	$0	44
Net income	$259,000	8,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,643
Cash dividends	$47,000	7,274
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$259,000	8,640
1996-12-31 (YTD Data)		Rank
Total interest income	$2,444,000	8,761
Total interest expense	$1,394,000	7,851
Net interest income	$1,050,000	9,416
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$98,000	9,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	8,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	9,697
Total noninterest expense	$676,000	9,891
Salaries and employee benefits	$340,000	10,035
Premises and equipment expense	$61,000	10,325
Additional noninterest expense	$275,000	9,140
Pre-tax net operating income	$460,000	8,162
Securities gains (losses)	$0	4,148
Applicable income taxes	$130,000	8,215
Income before extraordinary items	$330,000	8,161
Extraordinary gains, net	$0	53
Net income	$330,000	8,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$83,000	6,999
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$330,000	8,104
1995-12-31 (YTD Data)		Rank
Total interest income	$2,307,000	9,245
Total interest expense	$1,264,000	8,391
Net interest income	$1,043,000	9,800
Provision for loan and lease losses	$0	8,958
Total noninterest income	$82,000	10,689
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,833
Total noninterest expense	$672,000	10,287
Salaries and employee benefits	$314,000	10,640
Premises and equipment expense	$58,000	10,852
Additional noninterest expense	$300,000	9,239
Pre-tax net operating income	$453,000	8,737
Securities gains (losses)	$0	3,831
Applicable income taxes	$132,000	8,584
Income before extraordinary items	$321,000	8,731
Extraordinary gains, net	$0	65
Net income	$321,000	8,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$121,000	6,460
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$321,000	8,699
1994-12-31 (YTD Data)		Rank
Total interest income	$1,931,000	9,928
Total interest expense	$984,000	8,763
Net interest income	$947,000	10,567
Provision for loan and lease losses	$0	9,146
Total noninterest income	$87,000	11,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,920
Total noninterest expense	$647,000	10,916
Salaries and employee benefits	$299,000	11,214
Premises and equipment expense	$44,000	11,852
Additional noninterest expense	$304,000	9,926
Pre-tax net operating income	$387,000	9,460
Securities gains (losses)	$0	3,600
Applicable income taxes	$85,000	9,683
Income before extraordinary items	$302,000	9,121
Extraordinary gains, net	$0	249
Net income	$302,000	9,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$107,000	6,750
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$302,000	9,196
1993-12-31 (YTD Data)		Rank
Total interest income	$2,012,000	10,148
Total interest expense	$1,018,000	9,021
Net interest income	$994,000	10,802
Provision for loan and lease losses	$85,000	6,189
Total noninterest income	$82,000	11,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$611,000	11,591
Salaries and employee benefits	$284,000	11,829
Premises and equipment expense	$47,000	12,313
Additional noninterest expense	$280,000	10,687
Pre-tax net operating income	$380,000	9,579
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$148,000	8,695
Income before extraordinary items	$233,000	10,241
Extraordinary gains, net	$0	3,149
Net income	$233,000	10,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$116,000	6,624
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$232,360	10,004
1992-12-31 (YTD Data)		Rank
Total interest income	$2,261,000	10,354
Total interest expense	$1,298,000	9,245
Net interest income	$963,000	11,237
Provision for loan and lease losses	$7,000	11,393
Total noninterest income	$75,000	12,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	10,079
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$560,000	12,302
Salaries and employee benefits	$242,000	12,692
Premises and equipment expense	$38,000	13,134
Additional noninterest expense	$280,000	11,125
Pre-tax net operating income	$471,000	8,627
Securities gains (losses)	$-9,000	13,256
Applicable income taxes	$149,000	8,642
Income before extraordinary items	$313,000	9,125
Extraordinary gains, net	$0	1,422
Net income	$313,000	9,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	10,714
Cash dividends	$120,000	6,190
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$319,120	8,689

* 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.