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Minnesota BANKFIRST, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$25,934,000	1,247
Total interest expense	$4,562,000	3,257
Net interest income	$21,372,000	799
Provision for loan and lease losses	$2,197,000	540
Total noninterest income	$89,000	9,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	8,992
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	6,994
Total noninterest expense	$7,336,000	1,786
Salaries and employee benefits	$380,000	9,090
Premises and equipment expense	$156,000	7,517
Additional noninterest expense	$6,800,000	782
Pre-tax net operating income	$11,928,000	679
Securities gains (losses)	$-1,000	9,769
Applicable income taxes	$4,586,000	616
Income before extraordinary items	$7,341,000	758
Extraordinary gains, net	$0	32
Net income	$7,341,000	757
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,062,000	722
Cash dividends	$500,000	3,496
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$7,341,640	734
1997-12-31 (YTD Data)		Rank
Total interest income	$2,968,000	7,790
Total interest expense	$1,535,000	7,262
Net interest income	$1,433,000	8,145
Provision for loan and lease losses	$197,000	3,492
Total noninterest income	$17,000	10,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	9,392
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,252
Total noninterest expense	$980,000	8,416
Salaries and employee benefits	$350,000	9,599
Premises and equipment expense	$91,000	9,188
Additional noninterest expense	$539,000	6,199
Pre-tax net operating income	$273,000	9,162
Securities gains (losses)	$68,000	1,163
Applicable income taxes	$150,000	7,611
Income before extraordinary items	$191,000	9,237
Extraordinary gains, net	$0	44
Net income	$191,000	9,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$147,480	9,566
1996-12-31 (YTD Data)		Rank
Total interest income	$1,676,000	9,842
Total interest expense	$921,000	9,265
Net interest income	$755,000	10,238
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$57,000	10,730
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	9,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,801
Total noninterest expense	$667,000	9,920
Salaries and employee benefits	$338,000	10,046
Premises and equipment expense	$88,000	9,600
Additional noninterest expense	$241,000	9,491
Pre-tax net operating income	$85,000	10,446
Securities gains (losses)	$25,000	1,832
Applicable income taxes	$29,000	10,047
Income before extraordinary items	$81,000	10,385
Extraordinary gains, net	$0	53
Net income	$81,000	10,384
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,762
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$62,500	10,459
1995-12-31 (YTD Data)		Rank
Total interest income	$1,536,000	10,467
Total interest expense	$940,000	9,467
Net interest income	$596,000	11,139
Provision for loan and lease losses	$44,000	6,492
Total noninterest income	$40,000	11,511
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	10,263
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	9,923
Total noninterest expense	$591,000	10,602
Salaries and employee benefits	$258,000	11,095
Premises and equipment expense	$88,000	9,975
Additional noninterest expense	$245,000	9,885
Pre-tax net operating income	$1,000	11,458
Securities gains (losses)	$260,000	573
Applicable income taxes	$117,000	8,844
Income before extraordinary items	$144,000	10,517
Extraordinary gains, net	$0	65
Net income	$144,000	10,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-22,400	11,513
1994-12-31 (YTD Data)		Rank
Total interest income	$824,000	12,031
Total interest expense	$353,000	11,819
Net interest income	$471,000	12,088
Provision for loan and lease losses	$55,000	5,922
Total noninterest income	$4,000	12,516
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$2,000	10,827
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	12,485
Total noninterest expense	$402,000	12,034
Salaries and employee benefits	$166,000	12,277
Premises and equipment expense	$59,000	11,335
Additional noninterest expense	$177,000	11,439
Pre-tax net operating income	$18,000	12,027
Securities gains (losses)	$-12,000	9,966
Applicable income taxes	$0	11,630
Income before extraordinary items	$6,000	12,019
Extraordinary gains, net	$0	249
Net income	$6,000	12,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$18,000	12,011

* 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.