MSB Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $52,966,000 | 670 |
| Total interest expense | $28,659,000 | 599 |
| Net interest income | $24,307,000 | 750 |
| Provision for loan and lease losses | $1,565,000 | 708 |
| Total noninterest income | $4,359,000 | 1,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,359,000 | 674 |
| Total noninterest expense | $23,394,000 | 654 |
| Salaries and employee benefits | $8,678,000 | 787 |
| Premises and equipment expense | $3,389,000 | 611 |
| Additional noninterest expense | $11,327,000 | 527 |
| Pre-tax net operating income | $3,707,000 | 2,028 |
| Securities gains (losses) | $378,000 | 499 |
| Applicable income taxes | $1,617,000 | 1,598 |
| Income before extraordinary items | $2,468,000 | 2,135 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,468,000 | 2,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 1,005 |
| Cash dividends | $3,560,000 | 821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,226,080 | 2,289 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $54,178,000 | 686 |
| Total interest expense | $30,740,000 | 605 |
| Net interest income | $23,438,000 | 795 |
| Provision for loan and lease losses | $1,400,000 | 792 |
| Total noninterest income | $3,902,000 | 1,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,902,000 | 749 |
| Total noninterest expense | $22,893,000 | 706 |
| Salaries and employee benefits | $8,489,000 | 813 |
| Premises and equipment expense | $3,284,000 | 678 |
| Additional noninterest expense | $11,120,000 | 617 |
| Pre-tax net operating income | $3,047,000 | 2,341 |
| Securities gains (losses) | $155,000 | 787 |
| Applicable income taxes | $1,222,000 | 1,966 |
| Income before extraordinary items | $1,980,000 | 2,485 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,980,000 | 2,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,099,000 | 850 |
| Cash dividends | $1,550,000 | 1,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,880,800 | 2,546 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $29,030,000 | 1,193 |
| Total interest expense | $15,100,000 | 1,114 |
| Net interest income | $13,930,000 | 1,295 |
| Provision for loan and lease losses | $483,000 | 1,616 |
| Total noninterest income | $2,270,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,275,000 | 1,049 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $995,000 | 1,808 |
| Total noninterest expense | $11,346,000 | 1,270 |
| Salaries and employee benefits | $5,897,000 | 1,145 |
| Premises and equipment expense | $2,415,000 | 904 |
| Additional noninterest expense | $3,034,000 | 1,683 |
| Pre-tax net operating income | $4,371,000 | 1,683 |
| Securities gains (losses) | $-129,000 | 11,578 |
| Applicable income taxes | $1,737,000 | 1,440 |
| Income before extraordinary items | $2,505,000 | 2,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,505,000 | 2,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,018 |
| Cash dividends | $734,000 | 2,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,587,560 | 1,921 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,281,000 | 1,295 |
| Total interest expense | $10,682,000 | 1,228 |
| Net interest income | $13,599,000 | 1,326 |
| Provision for loan and lease losses | $119,000 | 4,225 |
| Total noninterest income | $2,160,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,636,000 | 805 |
| Trading account gains and fees | $-254,000 | 4,901 |
| Additional Noninterest Income | $778,000 | 2,172 |
| Total noninterest expense | $14,249,000 | 1,054 |
| Salaries and employee benefits | $7,740,000 | 886 |
| Premises and equipment expense | $2,347,000 | 914 |
| Additional noninterest expense | $4,162,000 | 1,372 |
| Pre-tax net operating income | $1,391,000 | 4,694 |
| Securities gains (losses) | $301,000 | 386 |
| Applicable income taxes | $622,000 | 3,403 |
| Income before extraordinary items | $1,070,000 | 4,270 |
| Extraordinary gains, net | $116,000 | 104 |
| Net income | $1,186,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,299 |
| Cash dividends | $739,000 | 2,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $877,360 | 5,063 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $25,132,000 | 1,267 |
| Total interest expense | $11,185,000 | 1,218 |
| Net interest income | $13,947,000 | 1,292 |
| Provision for loan and lease losses | $356,000 | 2,678 |
| Total noninterest income | $3,185,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,601,000 | 813 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,584,000 | 1,482 |
| Total noninterest expense | $12,582,000 | 1,226 |
| Salaries and employee benefits | $6,485,000 | 1,062 |
| Premises and equipment expense | $2,466,000 | 904 |
| Additional noninterest expense | $3,631,000 | 1,641 |
| Pre-tax net operating income | $4,194,000 | 1,653 |
| Securities gains (losses) | $572,000 | 814 |
| Applicable income taxes | $2,104,000 | 1,151 |
| Income before extraordinary items | $2,662,000 | 1,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,662,000 | 1,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,604 |
| Cash dividends | $709,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,295,920 | 2,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $26,986,000 | 1,353 |
| Total interest expense | $14,723,000 | 1,206 |
| Net interest income | $12,263,000 | 1,501 |
| Provision for loan and lease losses | $1,055,000 | 1,773 |
| Total noninterest income | $2,183,000 | 1,826 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,182,000 | 1,118 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,001,000 | 2,001 |
| Total noninterest expense | $11,972,000 | 1,331 |
| Salaries and employee benefits | $5,926,000 | 1,132 |
| Premises and equipment expense | $2,334,000 | 982 |
| Additional noninterest expense | $3,712,000 | 1,680 |
| Pre-tax net operating income | $1,419,000 | 4,263 |
| Securities gains (losses) | $2,179,000 | 388 |
| Applicable income taxes | $1,270,000 | 1,658 |
| Income before extraordinary items | $2,328,000 | 1,971 |
| Extraordinary gains, net | $-318,000 | 13,788 |
| Net income | $2,010,000 | 2,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,045,000 | 1,517 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $8,428,000 | 107 |
| Net operating income | $911,650 | 4,561 |
* 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.