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Home State Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$2,285,000	8,156
Total interest expense	$1,048,000	8,053
Net interest income	$1,237,000	8,119
Provision for loan and lease losses	$646,000	1,411
Total noninterest income	$216,000	7,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$195,000	5,181
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,216
Total noninterest expense	$1,084,000	7,886
Salaries and employee benefits	$379,000	9,010
Premises and equipment expense	$184,000	7,067
Additional noninterest expense	$521,000	6,356
Pre-tax net operating income	$-277,000	9,695
Securities gains (losses)	$0	3,155
Applicable income taxes	$-138,000	9,966
Income before extraordinary items	$-139,000	9,609
Extraordinary gains, net	$0	35
Net income	$-139,000	9,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$545,000	1,140
Cash dividends	$33,000	6,792
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-139,000	9,585
1998-12-31 (YTD Data)		Rank
Total interest income	$2,513,000	8,081
Total interest expense	$1,169,000	7,982
Net interest income	$1,344,000	8,011
Provision for loan and lease losses	$269,000	2,874
Total noninterest income	$201,000	7,555
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$177,000	5,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,291
Total noninterest expense	$1,076,000	7,894
Salaries and employee benefits	$414,000	8,881
Premises and equipment expense	$163,000	7,375
Additional noninterest expense	$499,000	6,447
Pre-tax net operating income	$200,000	8,904
Securities gains (losses)	$8,000	3,124
Applicable income taxes	$37,000	8,566
Income before extraordinary items	$171,000	8,833
Extraordinary gains, net	$0	32
Net income	$171,000	8,831
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$219,000	2,303
Cash dividends	$110,000	6,165
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$164,440	8,815
1997-12-31 (YTD Data)		Rank
Total interest income	$2,455,000	8,437
Total interest expense	$1,111,000	8,374
Net interest income	$1,344,000	8,374
Provision for loan and lease losses	$165,000	3,914
Total noninterest income	$197,000	7,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	9,587
Total noninterest expense	$1,040,000	8,210
Salaries and employee benefits	$424,000	9,108
Premises and equipment expense	$166,000	7,452
Additional noninterest expense	$450,000	6,925
Pre-tax net operating income	$336,000	8,797
Securities gains (losses)	$0	3,944
Applicable income taxes	$89,000	8,585
Income before extraordinary items	$247,000	8,774
Extraordinary gains, net	$0	44
Net income	$247,000	8,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$184,000	2,672
Cash dividends	$115,000	6,302
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$247,000	8,733
1996-12-31 (YTD Data)		Rank
Total interest income	$2,241,000	9,036
Total interest expense	$1,011,000	8,966
Net interest income	$1,230,000	8,967
Provision for loan and lease losses	$225,000	3,146
Total noninterest income	$182,000	8,503
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	6,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,411
Total noninterest expense	$961,000	8,829
Salaries and employee benefits	$399,000	9,611
Premises and equipment expense	$141,000	8,264
Additional noninterest expense	$422,000	7,699
Pre-tax net operating income	$225,000	9,628
Securities gains (losses)	$0	4,148
Applicable income taxes	$53,000	9,640
Income before extraordinary items	$172,000	9,572
Extraordinary gains, net	$0	53
Net income	$172,000	9,573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,000	2,829
Cash dividends	$66,000	7,274
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$172,000	9,514
1995-12-31 (YTD Data)		Rank
Total interest income	$1,823,000	10,006
Total interest expense	$787,000	9,998
Net interest income	$1,036,000	9,828
Provision for loan and lease losses	$160,000	3,506
Total noninterest income	$146,000	9,381
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,150
Total noninterest expense	$793,000	9,797
Salaries and employee benefits	$330,000	10,498
Premises and equipment expense	$120,000	9,038
Additional noninterest expense	$343,000	8,763
Pre-tax net operating income	$229,000	10,271
Securities gains (losses)	$26,000	1,716
Applicable income taxes	$67,000	9,845
Income before extraordinary items	$188,000	10,068
Extraordinary gains, net	$0	65
Net income	$188,000	10,072
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,739
Cash dividends	$129,000	6,359
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$168,760	10,253
1994-12-31 (YTD Data)		Rank
Total interest income	$1,381,000	10,977
Total interest expense	$545,000	10,877
Net interest income	$836,000	10,932
Provision for loan and lease losses	$80,000	5,022
Total noninterest income	$85,000	11,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	8,998
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,783
Total noninterest expense	$657,000	10,882
Salaries and employee benefits	$260,000	11,577
Premises and equipment expense	$120,000	9,390
Additional noninterest expense	$277,000	10,219
Pre-tax net operating income	$184,000	11,016
Securities gains (losses)	$0	3,600
Applicable income taxes	$46,000	10,566
Income before extraordinary items	$138,000	10,961
Extraordinary gains, net	$0	249
Net income	$138,000	10,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,864
Cash dividends	$71,000	7,518
Sale, conversion, retirement of capital stock, net	$500,000	544
Net operating income	$138,000	11,018
1993-12-31 (YTD Data)		Rank
Total interest income	$1,181,000	11,927
Total interest expense	$425,000	12,105
Net interest income	$756,000	11,680
Provision for loan and lease losses	$87,000	6,144
Total noninterest income	$57,000	12,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,164
Total noninterest expense	$510,000	12,121
Salaries and employee benefits	$211,000	12,528
Premises and equipment expense	$96,000	10,570
Additional noninterest expense	$203,000	11,689
Pre-tax net operating income	$216,000	10,902
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$80,000	10,214
Income before extraordinary items	$138,000	11,364
Extraordinary gains, net	$13,000	2,867
Net income	$151,000	11,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	5,678
Cash dividends	$62,000	7,666
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$136,720	11,174
1992-12-31 (YTD Data)		Rank
Total interest income	$1,085,000	12,867
Total interest expense	$425,000	13,089
Net interest income	$660,000	12,476
Provision for loan and lease losses	$125,000	6,594
Total noninterest income	$71,000	12,535
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$63,000	9,807
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	13,487
Total noninterest expense	$444,000	12,934
Salaries and employee benefits	$188,000	13,267
Premises and equipment expense	$74,000	11,720
Additional noninterest expense	$182,000	12,493
Pre-tax net operating income	$162,000	11,403
Securities gains (losses)	$11,000	6,349
Applicable income taxes	$65,000	10,856
Income before extraordinary items	$108,000	11,837
Extraordinary gains, net	$0	1,422
Net income	$108,000	11,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	7,501
Cash dividends	$56,000	7,543
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$100,960	11,642

* 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.