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Hills Bank Kalona, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,404,000	7,010
Total interest expense	$1,980,000	6,304
Net interest income	$1,424,000	7,601
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$194,000	7,350
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$137,000	5,948
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	7,569
Total noninterest expense	$901,000	8,295
Salaries and employee benefits	$348,000	9,005
Premises and equipment expense	$158,000	7,469
Additional noninterest expense	$395,000	7,186
Pre-tax net operating income	$657,000	6,385
Securities gains (losses)	$0	1,956
Applicable income taxes	$254,000	4,946
Income before extraordinary items	$403,000	6,832
Extraordinary gains, net	$0	38
Net income	$403,000	6,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	4,301
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$403,000	6,845
1999-12-31 (YTD Data)		Rank
Total interest income	$2,714,000	7,694
Total interest expense	$1,455,000	7,085
Net interest income	$1,259,000	8,081
Provision for loan and lease losses	$48,000	6,602
Total noninterest income	$169,000	7,853
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	$50,000	8,065
Total noninterest expense	$883,000	8,480
Salaries and employee benefits	$338,000	9,261
Premises and equipment expense	$158,000	7,534
Additional noninterest expense	$387,000	7,379
Pre-tax net operating income	$497,000	7,150
Securities gains (losses)	$0	3,155
Applicable income taxes	$190,000	5,810
Income before extraordinary items	$307,000	7,554
Extraordinary gains, net	$0	35
Net income	$307,000	7,552
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,444
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$307,000	7,524
1998-12-31 (YTD Data)		Rank
Total interest income	$2,351,000	8,256
Total interest expense	$1,274,000	7,743
Net interest income	$1,077,000	8,616
Provision for loan and lease losses	$48,000	6,686
Total noninterest income	$152,000	8,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	6,670
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	8,456
Total noninterest expense	$817,000	8,722
Salaries and employee benefits	$284,000	9,696
Premises and equipment expense	$130,000	8,067
Additional noninterest expense	$403,000	7,195
Pre-tax net operating income	$364,000	8,065
Securities gains (losses)	$0	4,449
Applicable income taxes	$134,000	7,060
Income before extraordinary items	$230,000	8,391
Extraordinary gains, net	$0	32
Net income	$230,000	8,390
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,814
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$230,000	8,322
1997-12-31 (YTD Data)		Rank
Total interest income	$2,064,000	8,921
Total interest expense	$1,042,000	8,576
Net interest income	$1,022,000	9,133
Provision for loan and lease losses	$64,000	6,078
Total noninterest income	$122,000	9,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	7,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$729,000	9,300
Salaries and employee benefits	$263,000	10,190
Premises and equipment expense	$106,000	8,826
Additional noninterest expense	$360,000	7,707
Pre-tax net operating income	$351,000	8,731
Securities gains (losses)	$0	3,944
Applicable income taxes	$127,000	7,961
Income before extraordinary items	$224,000	8,951
Extraordinary gains, net	$0	44
Net income	$224,000	8,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,842
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$224,000	8,917
1996-12-31 (YTD Data)		Rank
Total interest income	$530,000	11,238
Total interest expense	$257,000	11,153
Net interest income	$273,000	11,265
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$19,000	11,245
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	9,652
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	11,282
Total noninterest expense	$228,000	11,336
Salaries and employee benefits	$68,000	11,405
Premises and equipment expense	$31,000	11,122
Additional noninterest expense	$129,000	10,805
Pre-tax net operating income	$54,000	10,577
Securities gains (losses)	$0	4,148
Applicable income taxes	$19,000	10,217
Income before extraordinary items	$35,000	10,657
Extraordinary gains, net	$0	53
Net income	$35,000	10,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$5,030,000	145
Net operating income	$35,000	10,607

* 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.