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Hills Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$2,568,0007,835
Total interest expense$1,353,0007,296
Net interest income$1,215,0008,158
Provision for loan and lease losses$48,0006,602
Total noninterest income$249,0006,957
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$174,0005,471
Trading account gains and feesNANA
Additional Noninterest Income$75,0007,287
Total noninterest expense$1,113,0007,810
Salaries and employee benefits$493,0008,374
Premises and equipment expense$236,0006,244
Additional noninterest expense$384,0007,413
Pre-tax net operating income$303,0008,076
Securities gains (losses)$03,155
Applicable income taxes$138,0006,424
Income before extraordinary items$165,0008,547
Extraordinary gains, net$035
Net income$165,0008,545
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,500
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$165,0008,504
1998-12-31 (YTD Data)Rank
Total interest income$1,930,0008,767
Total interest expense$1,070,0008,228
Net interest income$860,0009,109
Provision for loan and lease losses$148,0004,215
Total noninterest income$181,0007,809
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$122,0006,427
Trading account gains and feesNANA
Additional Noninterest Income$59,0007,849
Total noninterest expense$1,072,0007,905
Salaries and employee benefits$455,0008,627
Premises and equipment expense$226,0006,324
Additional noninterest expense$391,0007,289
Pre-tax net operating income$-179,0009,981
Securities gains (losses)$04,449
Applicable income taxes$-54,00010,141
Income before extraordinary items$-125,0009,979
Extraordinary gains, net$032
Net income$-125,0009,976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,524
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$1,000,000463
Net operating income$-125,0009,943
1997-12-31 (YTD Data)Rank
Total interest income$1,286,0009,949
Total interest expense$597,0009,831
Net interest income$689,0009,969
Provision for loan and lease losses$64,0006,078
Total noninterest income$115,0009,144
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0007,468
Trading account gains and feesNANA
Additional Noninterest Income$27,0009,482
Total noninterest expense$613,0009,702
Salaries and employee benefits$207,00010,503
Premises and equipment expense$114,0008,637
Additional noninterest expense$292,0008,398
Pre-tax net operating income$127,0009,959
Securities gains (losses)$5,0002,787
Applicable income taxes$62,0009,053
Income before extraordinary items$70,00010,134
Extraordinary gains, net$044
Net income$70,00010,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,298
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$750,000483
Net operating income$66,80010,120
1996-12-31 (YTD Data)Rank
Total interest income$669,00011,139
Total interest expense$296,00011,084
Net interest income$373,00011,140
Provision for loan and lease losses$12,0008,364
Total noninterest income$49,00010,867
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,0009,108
Trading account gains and feesNANA
Additional Noninterest Income$9,00011,015
Total noninterest expense$269,00011,284
Salaries and employee benefits$108,00011,344
Premises and equipment expense$53,00010,553
Additional noninterest expense$108,00011,014
Pre-tax net operating income$141,00010,136
Securities gains (losses)$04,148
Applicable income taxes$57,0009,572
Income before extraordinary items$84,00010,360
Extraordinary gains, net$053
Net income$84,00010,359
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0006,315
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$84,00010,316
1995-12-31 (YTD Data)Rank
Total interest income$1,211,00010,964
Total interest expense$546,00010,864
Net interest income$665,00010,934
Provision for loan and lease losses$6,0008,588
Total noninterest income$136,0009,549
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0008,284
Trading account gains and feesNANA
Additional Noninterest Income$55,0008,981
Total noninterest expense$463,00011,176
Salaries and employee benefits$245,00011,196
Premises and equipment expense$83,00010,121
Additional noninterest expense$135,00011,244
Pre-tax net operating income$332,0009,513
Securities gains (losses)$2,0003,270
Applicable income taxes$102,0009,142
Income before extraordinary items$232,0009,582
Extraordinary gains, net$065
Net income$232,0009,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,680
Cash dividends$48,0007,835
Sale, conversion, retirement of capital stock, net$0809
Net operating income$230,6209,581
1994-12-31 (YTD Data)Rank
Total interest income$1,013,00011,682
Total interest expense$433,00011,424
Net interest income$580,00011,774
Provision for loan and lease losses$09,146
Total noninterest income$138,0009,955
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$91,0008,334
Trading account gains and feesNANA
Additional Noninterest Income$47,0009,769
Total noninterest expense$469,00011,760
Salaries and employee benefits$237,00011,777
Premises and equipment expense$88,00010,406
Additional noninterest expense$144,00011,865
Pre-tax net operating income$249,00010,497
Securities gains (losses)$26,0001,570
Applicable income taxes$77,0009,880
Income before extraordinary items$198,00010,303
Extraordinary gains, net$0249
Net income$198,00010,305
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,00010,674
Cash dividends$42,0008,136
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$179,28010,553
1993-12-31 (YTD Data)Rank
Total interest income$985,00012,326
Total interest expense$400,00012,224
Net interest income$585,00012,280
Provision for loan and lease losses$010,371
Total noninterest income$149,00010,230
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$93,0008,587
Trading account gains and feesNANA
Additional Noninterest Income$56,0009,758
Total noninterest expense$487,00012,235
Salaries and employee benefits$240,00012,283
Premises and equipment expense$81,00011,115
Additional noninterest expense$166,00012,201
Pre-tax net operating income$247,00010,639
Securities gains (losses)$29,0004,143
Applicable income taxes$72,00010,417
Income before extraordinary items$204,00010,600
Extraordinary gains, net$03,149
Net income$204,00010,710
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00011,050
Cash dividends$47,0008,068
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$182,54010,628
1992-12-31 (YTD Data)Rank
Total interest income$977,00013,063
Total interest expense$461,00012,920
Net interest income$516,00013,030
Provision for loan and lease losses$011,756
Total noninterest income$145,00010,591
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$91,0008,794
Trading account gains and feesNANA
Additional Noninterest Income$54,00010,164
Total noninterest expense$451,00012,895
Salaries and employee benefits$202,00013,135
Premises and equipment expense$70,00011,871
Additional noninterest expense$179,00012,533
Pre-tax net operating income$210,00010,980
Securities gains (losses)$50,0004,121
Applicable income taxes$71,00010,691
Income before extraordinary items$189,00010,749
Extraordinary gains, net$01,422
Net income$189,00010,861
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$43,0007,906
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$152,50010,902

* 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.