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Pinnacle Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,852,000	7,694
Total interest expense	$1,236,000	7,823
Net interest income	$1,616,000	7,438
Provision for loan and lease losses	$67,000	5,949
Total noninterest income	$141,000	8,365
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	6,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	9,064
Total noninterest expense	$795,000	8,788
Salaries and employee benefits	$376,000	9,112
Premises and equipment expense	$59,000	9,596
Additional noninterest expense	$360,000	7,574
Pre-tax net operating income	$895,000	5,747
Securities gains (losses)	$0	4,449
Applicable income taxes	$297,000	5,196
Income before extraordinary items	$598,000	6,069
Extraordinary gains, net	$0	32
Net income	$598,000	6,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$25,000	7,195
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$598,000	5,958
1997-12-31 (YTD Data)		Rank
Total interest income	$2,867,000	7,922
Total interest expense	$1,276,000	7,904
Net interest income	$1,591,000	7,801
Provision for loan and lease losses	$24,000	7,686
Total noninterest income	$183,000	8,083
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,626
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,171
Total noninterest expense	$804,000	9,020
Salaries and employee benefits	$350,000	9,599
Premises and equipment expense	$76,000	9,545
Additional noninterest expense	$378,000	7,549
Pre-tax net operating income	$946,000	6,003
Securities gains (losses)	$0	3,944
Applicable income taxes	$309,000	5,641
Income before extraordinary items	$637,000	6,174
Extraordinary gains, net	$0	44
Net income	$637,000	6,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$75,000	6,827
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$637,000	6,127
1996-12-31 (YTD Data)		Rank
Total interest income	$2,794,000	8,286
Total interest expense	$1,242,000	8,263
Net interest income	$1,552,000	8,144
Provision for loan and lease losses	$13,000	8,331
Total noninterest income	$175,000	8,605
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$767,000	9,560
Salaries and employee benefits	$350,000	9,955
Premises and equipment expense	$71,000	10,045
Additional noninterest expense	$346,000	8,405
Pre-tax net operating income	$947,000	5,934
Securities gains (losses)	$0	4,148
Applicable income taxes	$309,000	5,738
Income before extraordinary items	$638,000	6,050
Extraordinary gains, net	$0	53
Net income	$638,000	6,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$638,000	5,988
1995-12-31 (YTD Data)		Rank
Total interest income	$2,812,000	8,482
Total interest expense	$1,326,000	8,201
Net interest income	$1,486,000	8,570
Provision for loan and lease losses	$0	8,958
Total noninterest income	$130,000	9,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	7,660
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,586
Total noninterest expense	$815,000	9,708
Salaries and employee benefits	$356,000	10,285
Premises and equipment expense	$73,000	10,394
Additional noninterest expense	$386,000	8,339
Pre-tax net operating income	$801,000	6,835
Securities gains (losses)	$0	3,831
Applicable income taxes	$249,000	6,662
Income before extraordinary items	$552,000	6,891
Extraordinary gains, net	$0	65
Net income	$552,000	6,889
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$552,000	6,869
1994-12-31 (YTD Data)		Rank
Total interest income	$2,604,000	8,727
Total interest expense	$1,087,000	8,331
Net interest income	$1,517,000	8,841
Provision for loan and lease losses	$0	9,146
Total noninterest income	$127,000	10,164
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	8,150
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,859
Total noninterest expense	$837,000	10,060
Salaries and employee benefits	$387,000	10,399
Premises and equipment expense	$74,000	10,838
Additional noninterest expense	$376,000	9,077
Pre-tax net operating income	$807,000	6,836
Securities gains (losses)	$-22,000	10,411
Applicable income taxes	$243,000	6,649
Income before extraordinary items	$542,000	6,985
Extraordinary gains, net	$0	249
Net income	$542,000	6,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$557,180	6,904
1993-12-31 (YTD Data)		Rank
Total interest income	$2,545,000	9,101
Total interest expense	$1,192,000	8,284
Net interest income	$1,353,000	9,566
Provision for loan and lease losses	$0	10,371
Total noninterest income	$124,000	10,752
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	8,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$794,000	10,696
Salaries and employee benefits	$356,000	11,083
Premises and equipment expense	$78,000	11,231
Additional noninterest expense	$360,000	9,731
Pre-tax net operating income	$683,000	7,453
Securities gains (losses)	$-2,000	12,373
Applicable income taxes	$202,000	7,571
Income before extraordinary items	$479,000	7,712
Extraordinary gains, net	$0	3,149
Net income	$479,000	7,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-58,000	12,735
Cash dividends	$150,000	6,064
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$480,400	7,456
1992-12-31 (YTD Data)		Rank
Total interest income	$2,572,000	9,773
Total interest expense	$1,341,000	9,076
Net interest income	$1,231,000	10,212
Provision for loan and lease losses	$0	11,756
Total noninterest income	$128,000	10,980
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	9,060
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	10,722
Total noninterest expense	$753,000	11,241
Salaries and employee benefits	$328,000	11,694
Premises and equipment expense	$71,000	11,832
Additional noninterest expense	$354,000	10,142
Pre-tax net operating income	$606,000	7,670
Securities gains (losses)	$-43,000	13,648
Applicable income taxes	$155,000	8,485
Income before extraordinary items	$408,000	8,132
Extraordinary gains, net	$0	1,422
Net income	$408,000	8,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	13,369
Cash dividends	$300,000	3,979
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$438,960	7,495

* 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.