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Rippey Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,558,000	8,889
Total interest expense	$991,000	8,238
Net interest income	$567,000	9,338
Provision for loan and lease losses	$96,000	5,401
Total noninterest income	$55,000	9,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	8,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,125
Total noninterest expense	$514,000	9,359
Salaries and employee benefits	$277,000	9,358
Premises and equipment expense	$26,000	9,715
Additional noninterest expense	$211,000	8,685
Pre-tax net operating income	$12,000	9,076
Securities gains (losses)	$0	1,956
Applicable income taxes	$-44,000	9,467
Income before extraordinary items	$56,000	8,943
Extraordinary gains, net	$0	38
Net income	$56,000	8,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,477
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$56,000	8,925
1999-12-31 (YTD Data)		Rank
Total interest income	$1,589,000	8,954
Total interest expense	$1,083,000	7,952
Net interest income	$506,000	9,673
Provision for loan and lease losses	$162,000	4,084
Total noninterest income	$58,000	9,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	8,591
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,297
Total noninterest expense	$351,000	9,979
Salaries and employee benefits	$233,000	9,778
Premises and equipment expense	$22,000	10,065
Additional noninterest expense	$96,000	9,948
Pre-tax net operating income	$51,000	9,231
Securities gains (losses)	$0	3,155
Applicable income taxes	$10,000	8,485
Income before extraordinary items	$41,000	9,282
Extraordinary gains, net	$0	35
Net income	$41,000	9,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,227
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$41,000	9,249
1998-12-31 (YTD Data)		Rank
Total interest income	$1,633,000	9,120
Total interest expense	$1,023,000	8,358
Net interest income	$610,000	9,714
Provision for loan and lease losses	$2,000	8,582
Total noninterest income	$75,000	9,432
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,778
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	7,849
Total noninterest expense	$324,000	10,210
Salaries and employee benefits	$227,000	9,981
Premises and equipment expense	$27,000	10,222
Additional noninterest expense	$70,000	10,306
Pre-tax net operating income	$359,000	8,098
Securities gains (losses)	$0	4,449
Applicable income taxes	$100,000	7,528
Income before extraordinary items	$259,000	8,186
Extraordinary gains, net	$0	32
Net income	$259,000	8,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$100,000	6,234
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$259,000	8,105
1997-12-31 (YTD Data)		Rank
Total interest income	$1,622,000	9,532
Total interest expense	$1,027,000	8,606
Net interest income	$595,000	10,195
Provision for loan and lease losses	$1,000	8,801
Total noninterest income	$65,000	10,031
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	9,200
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,480
Total noninterest expense	$304,000	10,693
Salaries and employee benefits	$210,000	10,492
Premises and equipment expense	$24,000	10,708
Additional noninterest expense	$70,000	10,751
Pre-tax net operating income	$355,000	8,700
Securities gains (losses)	$0	3,944
Applicable income taxes	$121,000	8,071
Income before extraordinary items	$234,000	8,878
Extraordinary gains, net	$0	44
Net income	$234,000	8,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,371
Cash dividends	$100,000	6,450
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$234,000	8,847
1996-12-31 (YTD Data)		Rank
Total interest income	$1,607,000	9,963
Total interest expense	$1,010,000	8,971
Net interest income	$597,000	10,663
Provision for loan and lease losses	$9,000	8,632
Total noninterest income	$83,000	10,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	9,636
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	8,243
Total noninterest expense	$302,000	11,220
Salaries and employee benefits	$205,000	10,990
Premises and equipment expense	$24,000	11,240
Additional noninterest expense	$73,000	11,289
Pre-tax net operating income	$369,000	8,694
Securities gains (losses)	$0	4,148
Applicable income taxes	$105,000	8,669
Income before extraordinary items	$264,000	8,709
Extraordinary gains, net	$0	53
Net income	$264,000	8,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$264,000	8,650
1995-12-31 (YTD Data)		Rank
Total interest income	$1,502,000	10,527
Total interest expense	$880,000	9,689
Net interest income	$622,000	11,065
Provision for loan and lease losses	$64,000	5,599
Total noninterest income	$81,000	10,708
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	10,084
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,550
Total noninterest expense	$293,000	11,728
Salaries and employee benefits	$197,000	11,508
Premises and equipment expense	$11,000	11,891
Additional noninterest expense	$85,000	11,738
Pre-tax net operating income	$346,000	9,416
Securities gains (losses)	$0	3,831
Applicable income taxes	$113,000	8,910
Income before extraordinary items	$233,000	9,572
Extraordinary gains, net	$0	65
Net income	$233,000	9,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,677
Cash dividends	$100,000	6,741
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$233,000	9,556
1994-12-31 (YTD Data)		Rank
Total interest income	$1,434,000	10,864
Total interest expense	$811,000	9,550
Net interest income	$623,000	11,634
Provision for loan and lease losses	$15,000	8,073
Total noninterest income	$88,000	11,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	10,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	8,568
Total noninterest expense	$330,000	12,266
Salaries and employee benefits	$198,000	12,080
Premises and equipment expense	$11,000	12,531
Additional noninterest expense	$121,000	12,106
Pre-tax net operating income	$366,000	9,609
Securities gains (losses)	$0	3,600
Applicable income taxes	$103,000	9,288
Income before extraordinary items	$263,000	9,560
Extraordinary gains, net	$0	249
Net income	$263,000	9,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$85,000	7,219
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$263,000	9,615
1993-12-31 (YTD Data)		Rank
Total interest income	$1,433,000	11,378
Total interest expense	$801,000	10,050
Net interest income	$632,000	12,104
Provision for loan and lease losses	$15,000	9,365
Total noninterest income	$77,000	11,876
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	9,542
Total noninterest expense	$314,000	12,939
Salaries and employee benefits	$191,000	12,709
Premises and equipment expense	$23,000	13,026
Additional noninterest expense	$100,000	12,934
Pre-tax net operating income	$380,000	9,579
Securities gains (losses)	$0	7,477
Applicable income taxes	$127,000	9,151
Income before extraordinary items	$253,000	10,004
Extraordinary gains, net	$0	3,149
Net income	$253,000	10,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$80,000	7,275
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$253,000	9,755
1992-12-31 (YTD Data)		Rank
Total interest income	$1,433,000	12,120
Total interest expense	$865,000	11,028
Net interest income	$568,000	12,853
Provision for loan and lease losses	$2,000	11,664
Total noninterest income	$86,000	12,095
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,442
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	9,328
Total noninterest expense	$312,000	13,531
Salaries and employee benefits	$182,000	13,317
Premises and equipment expense	$21,000	13,653
Additional noninterest expense	$109,000	13,443
Pre-tax net operating income	$340,000	9,776
Securities gains (losses)	$0	8,369
Applicable income taxes	$104,000	9,806
Income before extraordinary items	$236,000	10,083
Extraordinary gains, net	$0	1,422
Net income	$236,000	10,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	12,178
Cash dividends	$75,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$236,000	9,729

* 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.