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Melrose State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$3,929,000	6,539
Total interest expense	$1,911,000	6,330
Net interest income	$2,018,000	6,634
Provision for loan and lease losses	$0	8,652
Total noninterest income	$108,000	8,883
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	$24,000	9,291
Total noninterest expense	$1,358,000	7,075
Salaries and employee benefits	$483,000	8,463
Premises and equipment expense	$180,000	7,052
Additional noninterest expense	$695,000	5,196
Pre-tax net operating income	$768,000	6,217
Securities gains (losses)	$7,000	3,223
Applicable income taxes	$423,000	4,277
Income before extraordinary items	$352,000	7,516
Extraordinary gains, net	$0	32
Net income	$352,000	7,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$347,520	7,468
1997-12-31 (YTD Data)		Rank
Total interest income	$193,000	10,841
Total interest expense	$109,000	10,770
Net interest income	$84,000	10,864
Provision for loan and lease losses	$0	8,829
Total noninterest income	$6,000	10,826
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	9,403
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	10,761
Total noninterest expense	$47,000	10,912
Salaries and employee benefits	$21,000	10,901
Premises and equipment expense	$8,000	10,859
Additional noninterest expense	$18,000	10,906
Pre-tax net operating income	$43,000	10,266
Securities gains (losses)	$0	3,944
Applicable income taxes	$17,000	9,778
Income before extraordinary items	$26,000	10,338
Extraordinary gains, net	$0	44
Net income	$26,000	10,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$100,000	6,450
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$26,000	10,302
1996-12-31 (YTD Data)		Rank
Total interest income	$3,108,000	7,870
Total interest expense	$1,562,000	7,416
Net interest income	$1,546,000	8,153
Provision for loan and lease losses	$0	9,041
Total noninterest income	$132,000	9,328
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	7,697
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	9,308
Total noninterest expense	$1,153,000	8,145
Salaries and employee benefits	$518,000	8,727
Premises and equipment expense	$166,000	7,709
Additional noninterest expense	$469,000	7,313
Pre-tax net operating income	$525,000	7,799
Securities gains (losses)	$-19,000	10,606
Applicable income taxes	$201,000	7,127
Income before extraordinary items	$305,000	8,381
Extraordinary gains, net	$0	53
Net income	$305,000	8,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,270
Cash dividends	$160,000	5,863
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$317,160	8,211
1995-12-31 (YTD Data)		Rank
Total interest income	$2,742,000	8,575
Total interest expense	$1,347,000	8,123
Net interest income	$1,395,000	8,799
Provision for loan and lease losses	$4,000	8,753
Total noninterest income	$117,000	9,914
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,553
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,472
Total noninterest expense	$1,139,000	8,431
Salaries and employee benefits	$493,000	9,172
Premises and equipment expense	$182,000	7,556
Additional noninterest expense	$464,000	7,568
Pre-tax net operating income	$369,000	9,269
Securities gains (losses)	$0	3,831
Applicable income taxes	$145,000	8,346
Income before extraordinary items	$224,000	9,675
Extraordinary gains, net	$0	65
Net income	$224,000	9,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,497
Cash dividends	$225,000	5,195
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$224,000	9,643
1994-12-31 (YTD Data)		Rank
Total interest income	$2,407,000	9,080
Total interest expense	$976,000	8,798
Net interest income	$1,431,000	9,064
Provision for loan and lease losses	$32,000	7,014
Total noninterest income	$122,000	10,249
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	8,589
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	10,213
Total noninterest expense	$1,136,000	8,850
Salaries and employee benefits	$503,000	9,364
Premises and equipment expense	$188,000	7,687
Additional noninterest expense	$445,000	8,366
Pre-tax net operating income	$385,000	9,476
Securities gains (losses)	$0	3,600
Applicable income taxes	$152,000	8,265
Income before extraordinary items	$233,000	9,885
Extraordinary gains, net	$0	249
Net income	$233,000	9,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	11,219
Cash dividends	$100,000	6,840
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$233,000	9,960
1993-12-31 (YTD Data)		Rank
Total interest income	$2,393,000	9,402
Total interest expense	$998,000	9,124
Net interest income	$1,395,000	9,431
Provision for loan and lease losses	$55,000	7,245
Total noninterest income	$125,000	10,734
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	8,972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,462
Total noninterest expense	$1,118,000	9,260
Salaries and employee benefits	$501,000	9,662
Premises and equipment expense	$171,000	8,352
Additional noninterest expense	$446,000	8,764
Pre-tax net operating income	$347,000	9,832
Securities gains (losses)	$0	7,477
Applicable income taxes	$136,000	8,950
Income before extraordinary items	$211,000	10,515
Extraordinary gains, net	$-84,000	12,878
Net income	$127,000	11,553
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	8,222
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$211,000	10,283
1992-12-31 (YTD Data)		Rank
Total interest income	$2,764,000	9,405
Total interest expense	$1,352,000	9,016
Net interest income	$1,412,000	9,582
Provision for loan and lease losses	$140,000	6,292
Total noninterest income	$94,000	11,878
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	9,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	13,214
Total noninterest expense	$1,034,000	9,834
Salaries and employee benefits	$447,000	10,340
Premises and equipment expense	$168,000	8,608
Additional noninterest expense	$419,000	9,344
Pre-tax net operating income	$332,000	9,850
Securities gains (losses)	$0	8,369
Applicable income taxes	$130,000	9,108
Income before extraordinary items	$202,000	10,570
Extraordinary gains, net	$0	1,422
Net income	$202,000	10,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	4,713
Cash dividends	$40,000	7,952
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$202,000	10,232

* 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.