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Nebraska State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$860,000	9,979
Total interest expense	$411,000	9,874
Net interest income	$449,000	10,012
Provision for loan and lease losses	$0	8,652
Total noninterest income	$57,000	9,739
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	8,047
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,104
Total noninterest expense	$372,000	10,122
Salaries and employee benefits	$275,000	9,757
Premises and equipment expense	$16,000	10,353
Additional noninterest expense	$81,000	10,258
Pre-tax net operating income	$134,000	9,260
Securities gains (losses)	$0	4,449
Applicable income taxes	$20,000	8,879
Income before extraordinary items	$114,000	9,231
Extraordinary gains, net	$0	32
Net income	$114,000	9,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,720
Cash dividends	$16,000	7,304
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$114,000	9,161
1997-12-31 (YTD Data)		Rank
Total interest income	$830,000	10,456
Total interest expense	$398,000	10,337
Net interest income	$432,000	10,514
Provision for loan and lease losses	$0	8,829
Total noninterest income	$54,000	10,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	8,475
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	10,622
Total noninterest expense	$352,000	10,587
Salaries and employee benefits	$254,000	10,246
Premises and equipment expense	$18,000	10,780
Additional noninterest expense	$80,000	10,694
Pre-tax net operating income	$134,000	9,926
Securities gains (losses)	$0	3,944
Applicable income taxes	$23,000	9,670
Income before extraordinary items	$111,000	9,896
Extraordinary gains, net	$0	44
Net income	$111,000	9,896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$13,000	7,702
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$111,000	9,853
1996-12-31 (YTD Data)		Rank
Total interest income	$806,000	11,016
Total interest expense	$373,000	10,935
Net interest income	$433,000	11,032
Provision for loan and lease losses	$0	9,041
Total noninterest income	$63,000	10,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,246
Total noninterest expense	$334,000	11,150
Salaries and employee benefits	$241,000	10,777
Premises and equipment expense	$13,000	11,357
Additional noninterest expense	$80,000	11,252
Pre-tax net operating income	$162,000	10,011
Securities gains (losses)	$0	4,148
Applicable income taxes	$32,000	9,997
Income before extraordinary items	$130,000	9,966
Extraordinary gains, net	$0	53
Net income	$130,000	9,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,797
Cash dividends	$13,000	8,160
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$130,000	9,914
1995-12-31 (YTD Data)		Rank
Total interest income	$788,000	11,536
Total interest expense	$369,000	11,415
Net interest income	$419,000	11,562
Provision for loan and lease losses	$0	8,958
Total noninterest income	$67,000	11,027
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	11,713
Total noninterest expense	$333,000	11,637
Salaries and employee benefits	$238,000	11,246
Premises and equipment expense	$10,000	11,903
Additional noninterest expense	$85,000	11,738
Pre-tax net operating income	$153,000	10,758
Securities gains (losses)	$0	3,831
Applicable income taxes	$28,000	10,615
Income before extraordinary items	$125,000	10,700
Extraordinary gains, net	$0	65
Net income	$125,000	10,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$10,000	8,554
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$125,000	10,679
1994-12-31 (YTD Data)		Rank
Total interest income	$746,000	12,138
Total interest expense	$316,000	11,974
Net interest income	$430,000	12,178
Provision for loan and lease losses	$0	9,146
Total noninterest income	$61,000	11,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	12,349
Total noninterest expense	$333,000	12,260
Salaries and employee benefits	$230,000	11,838
Premises and equipment expense	$17,000	12,468
Additional noninterest expense	$86,000	12,395
Pre-tax net operating income	$158,000	11,202
Securities gains (losses)	$0	3,600
Applicable income taxes	$30,000	10,923
Income before extraordinary items	$128,000	11,078
Extraordinary gains, net	$0	249
Net income	$128,000	11,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,012
Cash dividends	$10,000	8,760
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$128,000	11,124
1993-12-31 (YTD Data)		Rank
Total interest income	$758,000	12,732
Total interest expense	$341,000	12,492
Net interest income	$417,000	12,768
Provision for loan and lease losses	$0	10,371
Total noninterest income	$64,000	12,201
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,037
Total noninterest expense	$332,000	12,889
Salaries and employee benefits	$221,000	12,448
Premises and equipment expense	$15,000	13,159
Additional noninterest expense	$96,000	12,965
Pre-tax net operating income	$149,000	11,480
Securities gains (losses)	$0	7,477
Applicable income taxes	$27,000	11,459
Income before extraordinary items	$122,000	11,551
Extraordinary gains, net	$0	3,149
Net income	$122,000	11,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	9,293
Cash dividends	$9,000	8,936
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$122,000	11,340
1992-12-31 (YTD Data)		Rank
Total interest income	$788,000	13,368
Total interest expense	$384,000	13,237
Net interest income	$404,000	13,380
Provision for loan and lease losses	$0	11,756
Total noninterest income	$86,000	12,095
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,928
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	12,093
Total noninterest expense	$357,000	13,375
Salaries and employee benefits	$232,000	12,802
Premises and equipment expense	$11,000	13,823
Additional noninterest expense	$114,000	13,393
Pre-tax net operating income	$133,000	11,683
Securities gains (losses)	$0	8,369
Applicable income taxes	$26,000	11,922
Income before extraordinary items	$107,000	11,849
Extraordinary gains, net	$0	1,422
Net income	$107,000	11,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	13,072
Cash dividends	$10,000	8,694
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$107,000	11,548

* 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.