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Ruthven State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$112,000	9,856
Total interest expense	$38,000	9,791
Net interest income	$74,000	9,856
Provision for loan and lease losses	$0	8,337
Total noninterest income	$77,000	8,928
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$2,000	8,554
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,039
Total noninterest expense	$144,000	9,869
Salaries and employee benefits	$122,000	9,807
Premises and equipment expense	$4,000	9,855
Additional noninterest expense	$18,000	9,884
Pre-tax net operating income	$7,000	9,093
Securities gains (losses)	$-31,000	8,962
Applicable income taxes	$47,000	7,287
Income before extraordinary items	$-71,000	9,233
Extraordinary gains, net	$0	38
Net income	$-71,000	9,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$4,409,000	695
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-40,000	9,192
1999-12-31 (YTD Data)		Rank
Total interest income	$2,033,000	8,460
Total interest expense	$970,000	8,252
Net interest income	$1,063,000	8,484
Provision for loan and lease losses	$0	8,503
Total noninterest income	$167,000	7,878
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	7,861
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	6,224
Total noninterest expense	$601,000	9,313
Salaries and employee benefits	$356,000	9,150
Premises and equipment expense	$57,000	9,499
Additional noninterest expense	$188,000	9,146
Pre-tax net operating income	$629,000	6,610
Securities gains (losses)	$-65,000	9,859
Applicable income taxes	$133,000	6,472
Income before extraordinary items	$431,000	6,814
Extraordinary gains, net	$0	35
Net income	$431,000	6,813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,444
Cash dividends	$23,000	6,911
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$480,400	6,524
1998-12-31 (YTD Data)		Rank
Total interest income	$2,006,000	8,680
Total interest expense	$956,000	8,543
Net interest income	$1,050,000	8,688
Provision for loan and lease losses	$25,000	7,503
Total noninterest income	$162,000	8,057
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	8,144
Trading account gains and fees	NA	NA
Additional Noninterest Income	$116,000	6,276
Total noninterest expense	$611,000	9,388
Salaries and employee benefits	$345,000	9,322
Premises and equipment expense	$66,000	9,435
Additional noninterest expense	$200,000	9,116
Pre-tax net operating income	$576,000	7,037
Securities gains (losses)	$0	4,449
Applicable income taxes	$144,000	6,930
Income before extraordinary items	$432,000	7,025
Extraordinary gains, net	$0	32
Net income	$432,000	7,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$75,000	6,560
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$432,000	6,930
1997-12-31 (YTD Data)		Rank
Total interest income	$1,968,000	9,046
Total interest expense	$945,000	8,839
Net interest income	$1,023,000	9,126
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$153,000	8,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	8,517
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	6,595
Total noninterest expense	$544,000	9,960
Salaries and employee benefits	$285,000	10,062
Premises and equipment expense	$72,000	9,646
Additional noninterest expense	$187,000	9,572
Pre-tax net operating income	$572,000	7,548
Securities gains (losses)	$0	3,944
Applicable income taxes	$138,000	7,787
Income before extraordinary items	$434,000	7,410
Extraordinary gains, net	$0	44
Net income	$434,000	7,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,078
Cash dividends	$63,000	7,006
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$434,000	7,364
1996-12-31 (YTD Data)		Rank
Total interest income	$1,947,000	9,442
Total interest expense	$927,000	9,250
Net interest income	$1,020,000	9,504
Provision for loan and lease losses	$0	9,041
Total noninterest income	$169,000	8,704
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	8,876
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	6,594
Total noninterest expense	$581,000	10,248
Salaries and employee benefits	$322,000	10,155
Premises and equipment expense	$72,000	10,016
Additional noninterest expense	$187,000	10,089
Pre-tax net operating income	$608,000	7,374
Securities gains (losses)	$0	4,148
Applicable income taxes	$160,000	7,726
Income before extraordinary items	$448,000	7,250
Extraordinary gains, net	$0	53
Net income	$448,000	7,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	10,644
Cash dividends	$49,000	7,591
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$448,000	7,194
1995-12-31 (YTD Data)		Rank
Total interest income	$1,897,000	9,888
Total interest expense	$886,000	9,672
Net interest income	$1,011,000	9,916
Provision for loan and lease losses	$0	8,958
Total noninterest income	$144,000	9,412
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	9,448
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	7,205
Total noninterest expense	$550,000	10,798
Salaries and employee benefits	$284,000	10,889
Premises and equipment expense	$72,000	10,422
Additional noninterest expense	$194,000	10,487
Pre-tax net operating income	$605,000	7,849
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$170,000	7,922
Income before extraordinary items	$439,000	7,733
Extraordinary gains, net	$0	65
Net income	$439,000	7,732
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,578
Cash dividends	$53,000	7,697
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$436,120	7,733
1994-12-31 (YTD Data)		Rank
Total interest income	$1,724,000	10,312
Total interest expense	$743,000	9,862
Net interest income	$981,000	10,452
Provision for loan and lease losses	$0	9,146
Total noninterest income	$153,000	9,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	10,069
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	7,101
Total noninterest expense	$550,000	11,353
Salaries and employee benefits	$268,000	11,498
Premises and equipment expense	$68,000	11,037
Additional noninterest expense	$214,000	10,973
Pre-tax net operating income	$584,000	8,096
Securities gains (losses)	$-109,000	11,585
Applicable income taxes	$120,000	8,923
Income before extraordinary items	$355,000	8,595
Extraordinary gains, net	$0	249
Net income	$355,000	8,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$46,000	8,070
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$436,750	7,891
1993-12-31 (YTD Data)		Rank
Total interest income	$1,758,000	10,684
Total interest expense	$754,000	10,282
Net interest income	$1,004,000	10,765
Provision for loan and lease losses	$-60,000	12,789
Total noninterest income	$136,000	10,502
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	10,450
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,960
Total noninterest expense	$823,000	10,555
Salaries and employee benefits	$534,000	9,345
Premises and equipment expense	$63,000	11,742
Additional noninterest expense	$226,000	11,382
Pre-tax net operating income	$377,000	9,601
Securities gains (losses)	$0	7,477
Applicable income taxes	$73,000	10,384
Income before extraordinary items	$304,000	9,436
Extraordinary gains, net	$0	3,149
Net income	$304,000	9,595
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$26,000	8,540
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$304,000	9,179
1992-12-31 (YTD Data)		Rank
Total interest income	$1,888,000	11,121
Total interest expense	$962,000	10,574
Net interest income	$926,000	11,404
Provision for loan and lease losses	$0	11,756
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,924
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,735
Total noninterest expense	$519,000	12,533
Salaries and employee benefits	$290,000	12,128
Premises and equipment expense	$73,000	11,760
Additional noninterest expense	$156,000	12,847
Pre-tax net operating income	$459,000	8,723
Securities gains (losses)	$-1,000	12,730
Applicable income taxes	$108,000	9,686
Income before extraordinary items	$350,000	8,724
Extraordinary gains, net	$0	1,422
Net income	$350,000	8,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	12,939
Cash dividends	$23,000	8,421
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$350,760	8,351

* 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.