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Lincoln Security Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,821,000	6,637
Total interest expense	$1,745,000	6,708
Net interest income	$2,076,000	6,462
Provision for loan and lease losses	$75,000	5,850
Total noninterest income	$434,000	5,307
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	6,004
Trading account gains and fees	NA	NA
Additional Noninterest Income	$301,000	3,911
Total noninterest expense	$1,865,000	5,935
Salaries and employee benefits	$1,004,000	5,901
Premises and equipment expense	$264,000	5,854
Additional noninterest expense	$597,000	5,816
Pre-tax net operating income	$570,000	6,703
Securities gains (losses)	$0	1,956
Applicable income taxes	$234,000	5,102
Income before extraordinary items	$336,000	7,251
Extraordinary gains, net	$0	38
Net income	$336,000	7,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,414
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$336,000	7,241
1999-12-31 (YTD Data)		Rank
Total interest income	$2,849,000	7,543
Total interest expense	$1,257,000	7,501
Net interest income	$1,592,000	7,406
Provision for loan and lease losses	$123,000	4,690
Total noninterest income	$339,000	6,103
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	6,611
Trading account gains and fees	NA	NA
Additional Noninterest Income	$234,000	4,581
Total noninterest expense	$1,375,000	7,096
Salaries and employee benefits	$771,000	6,890
Premises and equipment expense	$197,000	6,860
Additional noninterest expense	$407,000	7,204
Pre-tax net operating income	$433,000	7,442
Securities gains (losses)	$-29,000	9,649
Applicable income taxes	$125,000	6,576
Income before extraordinary items	$279,000	7,728
Extraordinary gains, net	$0	35
Net income	$279,000	7,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,364
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$299,010	7,580
1998-12-31 (YTD Data)		Rank
Total interest income	$2,152,000	8,503
Total interest expense	$956,000	8,543
Net interest income	$1,196,000	8,334
Provision for loan and lease losses	$124,000	4,562
Total noninterest income	$303,000	6,451
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	4,731
Total noninterest expense	$1,192,000	7,571
Salaries and employee benefits	$570,000	7,924
Premises and equipment expense	$177,000	7,107
Additional noninterest expense	$445,000	6,845
Pre-tax net operating income	$183,000	8,989
Securities gains (losses)	$10,000	2,952
Applicable income taxes	$41,000	8,488
Income before extraordinary items	$152,000	8,966
Extraordinary gains, net	$0	32
Net income	$152,000	8,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,204
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$144,100	8,957
1997-12-31 (YTD Data)		Rank
Total interest income	$1,560,000	9,599
Total interest expense	$716,000	9,503
Net interest income	$844,000	9,560
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$135,000	8,817
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	8,837
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,756
Total noninterest expense	$981,000	8,411
Salaries and employee benefits	$509,000	8,539
Premises and equipment expense	$131,000	8,214
Additional noninterest expense	$341,000	7,895
Pre-tax net operating income	$-122,000	10,507
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$-24,000	10,566
Income before extraordinary items	$-94,000	10,514
Extraordinary gains, net	$0	44
Net income	$-94,000	10,517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-97,200	10,490
1996-12-31 (YTD Data)		Rank
Total interest income	$442,000	11,287
Total interest expense	$186,000	11,246
Net interest income	$256,000	11,281
Provision for loan and lease losses	$28,000	7,549
Total noninterest income	$32,000	11,112
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	9,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$475,000	10,684
Salaries and employee benefits	$180,000	11,119
Premises and equipment expense	$34,000	11,051
Additional noninterest expense	$261,000	9,275
Pre-tax net operating income	$-215,000	11,082
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$-31,000	11,028
Income before extraordinary items	$-183,000	11,093
Extraordinary gains, net	$0	53
Net income	$-183,000	11,093
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	$3,079,000	221
Net operating income	$-183,860	11,056

* 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.