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Peoples State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$3,243,000	7,174
Total interest expense	$1,723,000	6,743
Net interest income	$1,520,000	7,436
Provision for loan and lease losses	$1,845,000	654
Total noninterest income	$301,000	6,298
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$240,000	4,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	7,442
Total noninterest expense	$1,417,000	6,961
Salaries and employee benefits	$777,000	6,841
Premises and equipment expense	$188,000	6,945
Additional noninterest expense	$452,000	6,760
Pre-tax net operating income	$-1,441,000	9,781
Securities gains (losses)	$0	1,956
Applicable income taxes	$-593,000	9,802
Income before extraordinary items	$-848,000	9,698
Extraordinary gains, net	$0	38
Net income	$-848,000	9,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,807,000	504
Cash dividends	$120,000	5,762
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-848,000	9,695
1999-12-31 (YTD Data)		Rank
Total interest income	$3,334,000	7,004
Total interest expense	$1,730,000	6,494
Net interest income	$1,604,000	7,383
Provision for loan and lease losses	$344,000	2,399
Total noninterest income	$314,000	6,321
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	4,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,614
Total noninterest expense	$1,317,000	7,256
Salaries and employee benefits	$724,000	7,121
Premises and equipment expense	$235,000	6,258
Additional noninterest expense	$358,000	7,625
Pre-tax net operating income	$257,000	8,306
Securities gains (losses)	$0	3,155
Applicable income taxes	$122,000	6,621
Income before extraordinary items	$135,000	8,746
Extraordinary gains, net	$0	35
Net income	$135,000	8,743
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$248,000	2,092
Cash dividends	$162,000	5,521
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$135,000	8,706
1998-12-31 (YTD Data)		Rank
Total interest income	$3,039,000	7,493
Total interest expense	$1,759,000	6,636
Net interest income	$1,280,000	8,164
Provision for loan and lease losses	$318,000	2,487
Total noninterest income	$247,000	7,041
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$186,000	5,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	7,768
Total noninterest expense	$1,130,000	7,735
Salaries and employee benefits	$642,000	7,516
Premises and equipment expense	$197,000	6,767
Additional noninterest expense	$291,000	8,210
Pre-tax net operating income	$79,000	9,502
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$64,000	8,091
Income before extraordinary items	$16,000	9,773
Extraordinary gains, net	$0	32
Net income	$16,000	9,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,715
Cash dividends	$33,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$15,360	9,725
1997-12-31 (YTD Data)		Rank
Total interest income	$2,328,000	8,604
Total interest expense	$1,341,000	7,742
Net interest income	$987,000	9,217
Provision for loan and lease losses	$96,000	5,266
Total noninterest income	$187,000	8,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	6,913
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	7,572
Total noninterest expense	$953,000	8,502
Salaries and employee benefits	$524,000	8,433
Premises and equipment expense	$156,000	7,672
Additional noninterest expense	$273,000	8,606
Pre-tax net operating income	$125,000	9,968
Securities gains (losses)	$0	3,944
Applicable income taxes	$5,000	9,963
Income before extraordinary items	$120,000	9,836
Extraordinary gains, net	$0	44
Net income	$120,000	9,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,261
Cash dividends	$250,000	4,919
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$120,000	9,789
1996-12-31 (YTD Data)		Rank
Total interest income	$1,747,000	9,743
Total interest expense	$904,000	9,322
Net interest income	$843,000	9,990
Provision for loan and lease losses	$11,000	8,496
Total noninterest income	$114,000	9,634
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	9,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,649
Total noninterest expense	$704,000	9,801
Salaries and employee benefits	$370,000	9,812
Premises and equipment expense	$119,000	8,811
Additional noninterest expense	$215,000	9,764
Pre-tax net operating income	$242,000	9,536
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$56,000	9,587
Income before extraordinary items	$188,000	9,416
Extraordinary gains, net	$0	53
Net income	$188,000	9,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,424
Cash dividends	$198,000	5,526
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$186,460	9,370
1995-12-31 (YTD Data)		Rank
Total interest income	$1,670,000	10,231
Total interest expense	$896,000	9,628
Net interest income	$774,000	10,615
Provision for loan and lease losses	$0	8,958
Total noninterest income	$95,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	9,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	8,506
Total noninterest expense	$631,000	10,449
Salaries and employee benefits	$341,000	10,396
Premises and equipment expense	$111,000	9,279
Additional noninterest expense	$179,000	10,702
Pre-tax net operating income	$238,000	10,203
Securities gains (losses)	$16,000	2,046
Applicable income taxes	$55,000	10,091
Income before extraordinary items	$199,000	9,942
Extraordinary gains, net	$0	65
Net income	$199,000	9,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$251,000	4,942
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$186,520	10,060
1994-12-31 (YTD Data)		Rank
Total interest income	$1,419,000	10,893
Total interest expense	$658,000	10,315
Net interest income	$761,000	11,174
Provision for loan and lease losses	$0	9,146
Total noninterest income	$105,000	10,619
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	10,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,286
Total noninterest expense	$611,000	11,073
Salaries and employee benefits	$344,000	10,807
Premises and equipment expense	$98,000	10,100
Additional noninterest expense	$169,000	11,537
Pre-tax net operating income	$255,000	10,449
Securities gains (losses)	$22,000	1,687
Applicable income taxes	$60,000	10,220
Income before extraordinary items	$217,000	10,070
Extraordinary gains, net	$0	249
Net income	$217,000	10,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,447
Cash dividends	$70,000	7,531
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$199,840	10,332
1993-12-31 (YTD Data)		Rank
Total interest income	$1,378,000	11,497
Total interest expense	$611,000	11,074
Net interest income	$767,000	11,631
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$114,000	10,983
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	10,888
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	8,282
Total noninterest expense	$612,000	11,584
Salaries and employee benefits	$326,000	11,393
Premises and equipment expense	$85,000	10,978
Additional noninterest expense	$201,000	11,712
Pre-tax net operating income	$249,000	10,622
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$52,000	10,892
Income before extraordinary items	$199,000	10,670
Extraordinary gains, net	$0	3,149
Net income	$199,000	10,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	12,190
Cash dividends	$240,000	4,974
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$197,420	10,459
1992-12-31 (YTD Data)		Rank
Total interest income	$1,514,000	11,936
Total interest expense	$766,000	11,488
Net interest income	$748,000	12,123
Provision for loan and lease losses	$0	11,756
Total noninterest income	$112,000	11,406
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	9,701
Total noninterest expense	$659,000	11,742
Salaries and employee benefits	$351,000	11,423
Premises and equipment expense	$84,000	11,345
Additional noninterest expense	$224,000	11,899
Pre-tax net operating income	$201,000	11,068
Securities gains (losses)	$137,000	2,533
Applicable income taxes	$111,000	9,628
Income before extraordinary items	$227,000	10,217
Extraordinary gains, net	$0	1,422
Net income	$227,000	10,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	12,539
Cash dividends	$170,000	5,484
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$135,210	11,155

* 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.