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Lorena State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,090,000	8,572
Total interest expense	$949,000	8,565
Net interest income	$1,141,000	8,470
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$136,000	8,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	6,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,525
Total noninterest expense	$729,000	9,020
Salaries and employee benefits	$457,000	8,616
Premises and equipment expense	$91,000	8,906
Additional noninterest expense	$181,000	9,330
Pre-tax net operating income	$536,000	7,201
Securities gains (losses)	$0	4,449
Applicable income taxes	$183,000	6,381
Income before extraordinary items	$353,000	7,513
Extraordinary gains, net	$0	32
Net income	$353,000	7,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,124
Cash dividends	$180,000	5,532
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$353,000	7,429
1997-12-31 (YTD Data)		Rank
Total interest income	$2,119,000	8,866
Total interest expense	$990,000	8,714
Net interest income	$1,129,000	8,869
Provision for loan and lease losses	$27,000	7,550
Total noninterest income	$137,000	8,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	6,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,956
Total noninterest expense	$709,000	9,374
Salaries and employee benefits	$431,000	9,061
Premises and equipment expense	$94,000	9,100
Additional noninterest expense	$184,000	9,612
Pre-tax net operating income	$530,000	7,760
Securities gains (losses)	$0	3,944
Applicable income taxes	$165,000	7,393
Income before extraordinary items	$365,000	7,880
Extraordinary gains, net	$0	44
Net income	$365,000	7,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,805
Cash dividends	$155,000	5,831
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$365,000	7,824
1996-12-31 (YTD Data)		Rank
Total interest income	$1,974,000	9,407
Total interest expense	$961,000	9,151
Net interest income	$1,013,000	9,521
Provision for loan and lease losses	$26,000	7,618
Total noninterest income	$148,000	9,035
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$136,000	6,733
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$664,000	9,934
Salaries and employee benefits	$393,000	9,647
Premises and equipment expense	$88,000	9,600
Additional noninterest expense	$183,000	10,130
Pre-tax net operating income	$471,000	8,111
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$163,000	7,688
Income before extraordinary items	$309,000	8,343
Extraordinary gains, net	$0	53
Net income	$309,000	8,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,885
Cash dividends	$90,000	6,879
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$308,350	8,294
1995-12-31 (YTD Data)		Rank
Total interest income	$1,817,000	10,014
Total interest expense	$845,000	9,811
Net interest income	$972,000	10,019
Provision for loan and lease losses	$0	8,958
Total noninterest income	$151,000	9,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	6,895
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	11,383
Total noninterest expense	$684,000	10,250
Salaries and employee benefits	$390,000	10,019
Premises and equipment expense	$92,000	9,856
Additional noninterest expense	$202,000	10,386
Pre-tax net operating income	$439,000	8,813
Securities gains (losses)	$0	3,831
Applicable income taxes	$133,000	8,562
Income before extraordinary items	$306,000	8,880
Extraordinary gains, net	$0	65
Net income	$306,000	8,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$80,000	7,161
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$306,000	8,850
1994-12-31 (YTD Data)		Rank
Total interest income	$1,490,000	10,752
Total interest expense	$637,000	10,423
Net interest income	$853,000	10,868
Provision for loan and lease losses	$0	9,146
Total noninterest income	$153,000	9,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,301
Total noninterest expense	$699,000	10,706
Salaries and employee benefits	$365,000	10,598
Premises and equipment expense	$81,000	10,622
Additional noninterest expense	$253,000	10,490
Pre-tax net operating income	$307,000	10,088
Securities gains (losses)	$0	3,600
Applicable income taxes	$122,000	8,885
Income before extraordinary items	$185,000	10,441
Extraordinary gains, net	$0	249
Net income	$185,000	10,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,986
Cash dividends	$110,000	6,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$185,000	10,483
1993-12-31 (YTD Data)		Rank
Total interest income	$1,237,000	11,808
Total interest expense	$493,000	11,710
Net interest income	$744,000	11,706
Provision for loan and lease losses	$0	10,371
Total noninterest income	$151,000	10,182
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	12,038
Total noninterest expense	$608,000	11,607
Salaries and employee benefits	$318,000	11,470
Premises and equipment expense	$75,000	11,339
Additional noninterest expense	$215,000	11,536
Pre-tax net operating income	$287,000	10,345
Securities gains (losses)	$0	7,477
Applicable income taxes	$71,000	10,446
Income before extraordinary items	$216,000	10,461
Extraordinary gains, net	$141,000	1,294
Net income	$357,000	9,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$35,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$216,000	10,214
1992-12-31 (YTD Data)		Rank
Total interest income	$1,222,000	12,551
Total interest expense	$563,000	12,472
Net interest income	$659,000	12,479
Provision for loan and lease losses	$16,000	10,806
Total noninterest income	$146,000	10,574
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$118,000	7,999
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$595,000	12,093
Salaries and employee benefits	$301,000	11,997
Premises and equipment expense	$66,000	12,026
Additional noninterest expense	$228,000	11,842
Pre-tax net operating income	$194,000	11,125
Securities gains (losses)	$0	8,369
Applicable income taxes	$52,000	11,201
Income before extraordinary items	$142,000	11,390
Extraordinary gains, net	$17,000	1,262
Net income	$159,000	11,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	12,901
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$142,000	11,045

* 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.