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Kilbourn State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$7,257,000	4,420
Total interest expense	$2,764,000	5,126
Net interest income	$4,493,000	3,903
Provision for loan and lease losses	$0	9,041
Total noninterest income	$353,000	6,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$204,000	5,481
Trading account gains and fees	NA	NA
Additional Noninterest Income	$149,000	5,991
Total noninterest expense	$1,917,000	6,116
Salaries and employee benefits	$1,128,000	5,486
Premises and equipment expense	$352,000	4,999
Additional noninterest expense	$437,000	7,571
Pre-tax net operating income	$2,929,000	2,422
Securities gains (losses)	$-3,000	9,684
Applicable income taxes	$1,045,000	2,262
Income before extraordinary items	$1,881,000	2,585
Extraordinary gains, net	$0	53
Net income	$1,881,000	2,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,304
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,882,920	2,541
1995-12-31 (YTD Data)		Rank
Total interest income	$7,040,000	4,531
Total interest expense	$2,797,000	5,062
Net interest income	$4,243,000	4,108
Provision for loan and lease losses	$0	8,958
Total noninterest income	$335,000	6,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$190,000	5,864
Trading account gains and fees	NA	NA
Additional Noninterest Income	$145,000	6,088
Total noninterest expense	$1,995,000	5,990
Salaries and employee benefits	$1,127,000	5,489
Premises and equipment expense	$427,000	4,282
Additional noninterest expense	$441,000	7,787
Pre-tax net operating income	$2,583,000	2,756
Securities gains (losses)	$-36,000	10,960
Applicable income taxes	$792,000	2,894
Income before extraordinary items	$1,755,000	2,806
Extraordinary gains, net	$0	65
Net income	$1,755,000	2,804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,497
Cash dividends	$600,000	2,907
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,779,840	2,738
1994-12-31 (YTD Data)		Rank
Total interest income	$6,414,000	4,571
Total interest expense	$2,169,000	5,232
Net interest income	$4,245,000	4,148
Provision for loan and lease losses	$0	9,146
Total noninterest income	$288,000	7,408
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	6,254
Trading account gains and fees	NA	NA
Additional Noninterest Income	$108,000	7,272
Total noninterest expense	$2,147,000	5,863
Salaries and employee benefits	$1,075,000	5,751
Premises and equipment expense	$504,000	3,778
Additional noninterest expense	$568,000	7,276
Pre-tax net operating income	$2,386,000	2,949
Securities gains (losses)	$10,000	2,219
Applicable income taxes	$844,000	2,644
Income before extraordinary items	$1,552,000	3,084
Extraordinary gains, net	$0	249
Net income	$1,552,000	3,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	11,116
Cash dividends	$600,000	2,782
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,545,500	3,119
1993-12-31 (YTD Data)		Rank
Total interest income	$6,880,000	4,377
Total interest expense	$2,188,000	5,404
Net interest income	$4,692,000	3,785
Provision for loan and lease losses	$400,000	2,455
Total noninterest income	$307,000	7,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$211,000	5,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	8,002
Total noninterest expense	$2,162,000	5,952
Salaries and employee benefits	$1,042,000	5,920
Premises and equipment expense	$520,000	3,731
Additional noninterest expense	$600,000	7,333
Pre-tax net operating income	$2,437,000	2,773
Securities gains (losses)	$63,000	3,105
Applicable income taxes	$899,000	2,520
Income before extraordinary items	$1,601,000	3,051
Extraordinary gains, net	$0	3,149
Net income	$1,601,000	3,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	3,123
Cash dividends	$600,000	2,624
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,560,680	2,945
1992-12-31 (YTD Data)		Rank
Total interest income	$7,334,000	4,632
Total interest expense	$2,632,000	5,751
Net interest income	$4,702,000	3,848
Provision for loan and lease losses	$400,000	3,453
Total noninterest income	$345,000	7,175
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$252,000	5,104
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	8,327
Total noninterest expense	$2,027,000	6,308
Salaries and employee benefits	$1,030,000	5,874
Premises and equipment expense	$355,000	5,314
Additional noninterest expense	$642,000	7,158
Pre-tax net operating income	$2,620,000	2,361
Securities gains (losses)	$0	8,369
Applicable income taxes	$733,000	2,829
Income before extraordinary items	$1,887,000	2,425
Extraordinary gains, net	$0	1,422
Net income	$1,887,000	2,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	6,201
Cash dividends	$600,000	2,382
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,887,000	2,247

* 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.