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Savanna State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$2,372,000	7,878
Total interest expense	$1,489,000	6,999
Net interest income	$883,000	8,507
Provision for loan and lease losses	$350,000	2,901
Total noninterest income	$56,000	9,091
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$26,000	8,045
Trading account gains and fees	$0	177
Additional Noninterest Income	$30,000	8,341
Total noninterest expense	$665,000	8,762
Salaries and employee benefits	$389,000	8,673
Premises and equipment expense	$111,000	8,127
Additional noninterest expense	$165,000	8,944
Pre-tax net operating income	$-76,000	8,838
Securities gains (losses)	$30,000	2,828
Applicable income taxes	$-107,000	9,273
Income before extraordinary items	$61,000	8,555
Extraordinary gains, net	$0	105
Net income	$61,000	8,553
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	2,738
Cash dividends	$100,000	5,729
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$41,800	8,552
2000-12-31 (YTD Data)		Rank
Total interest income	$2,795,000	7,616
Total interest expense	$1,571,000	7,026
Net interest income	$1,224,000	8,020
Provision for loan and lease losses	$84,000	5,667
Total noninterest income	$62,000	9,152
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	7,880
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	8,843
Total noninterest expense	$675,000	8,890
Salaries and employee benefits	$394,000	8,778
Premises and equipment expense	$111,000	8,251
Additional noninterest expense	$170,000	9,067
Pre-tax net operating income	$527,000	6,871
Securities gains (losses)	$0	1,956
Applicable income taxes	$193,000	5,458
Income before extraordinary items	$334,000	7,266
Extraordinary gains, net	$0	38
Net income	$334,000	7,264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,794
Cash dividends	$450,000	3,733
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$334,000	7,262
1999-12-31 (YTD Data)		Rank
Total interest income	$3,038,000	7,332
Total interest expense	$1,777,000	6,398
Net interest income	$1,261,000	8,077
Provision for loan and lease losses	$11,000	8,085
Total noninterest income	$74,000	9,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,095
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	8,625
Total noninterest expense	$694,000	9,052
Salaries and employee benefits	$418,000	8,796
Premises and equipment expense	$104,000	8,553
Additional noninterest expense	$172,000	9,313
Pre-tax net operating income	$630,000	6,606
Securities gains (losses)	$0	3,155
Applicable income taxes	$213,000	5,568
Income before extraordinary items	$417,000	6,891
Extraordinary gains, net	$0	35
Net income	$417,000	6,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	9,163
Cash dividends	$150,000	5,619
Sale, conversion, retirement of capital stock, net	$-166,000	10,113
Net operating income	$417,000	6,867
1998-12-31 (YTD Data)		Rank
Total interest income	$3,181,000	7,312
Total interest expense	$1,901,000	6,345
Net interest income	$1,280,000	8,164
Provision for loan and lease losses	$114,000	4,857
Total noninterest income	$85,000	9,261
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	8,070
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	8,704
Total noninterest expense	$693,000	9,120
Salaries and employee benefits	$390,000	9,031
Premises and equipment expense	$97,000	8,780
Additional noninterest expense	$206,000	9,053
Pre-tax net operating income	$558,000	7,115
Securities gains (losses)	$0	4,449
Applicable income taxes	$218,000	5,980
Income before extraordinary items	$340,000	7,594
Extraordinary gains, net	$0	32
Net income	$340,000	7,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,626
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$340,000	7,510
1997-12-31 (YTD Data)		Rank
Total interest income	$3,074,000	7,667
Total interest expense	$1,867,000	6,532
Net interest income	$1,207,000	8,663
Provision for loan and lease losses	$48,000	6,747
Total noninterest income	$99,000	9,446
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	$51,000	8,389
Total noninterest expense	$613,000	9,702
Salaries and employee benefits	$331,000	9,727
Premises and equipment expense	$101,000	8,944
Additional noninterest expense	$181,000	9,661
Pre-tax net operating income	$645,000	7,227
Securities gains (losses)	$5,000	2,787
Applicable income taxes	$221,000	6,611
Income before extraordinary items	$429,000	7,446
Extraordinary gains, net	$0	44
Net income	$429,000	7,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$425,700	7,426
1996-12-31 (YTD Data)		Rank
Total interest income	$2,789,000	8,293
Total interest expense	$1,720,000	7,030
Net interest income	$1,069,000	9,366
Provision for loan and lease losses	$33,000	7,304
Total noninterest income	$91,000	10,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	8,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,116
Total noninterest expense	$633,000	10,054
Salaries and employee benefits	$342,000	10,022
Premises and equipment expense	$100,000	9,292
Additional noninterest expense	$191,000	10,039
Pre-tax net operating income	$494,000	7,970
Securities gains (losses)	$-21,000	10,654
Applicable income taxes	$155,000	7,813
Income before extraordinary items	$318,000	8,276
Extraordinary gains, net	$0	53
Net income	$318,000	8,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,149
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$332,070	8,082
1995-12-31 (YTD Data)		Rank
Total interest income	$2,398,000	9,123
Total interest expense	$1,463,000	7,796
Net interest income	$935,000	10,134
Provision for loan and lease losses	$0	8,958
Total noninterest income	$239,000	7,845
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	8,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,743
Total noninterest expense	$651,000	10,360
Salaries and employee benefits	$297,000	10,774
Premises and equipment expense	$70,000	10,479
Additional noninterest expense	$284,000	9,419
Pre-tax net operating income	$523,000	8,307
Securities gains (losses)	$-322,000	11,759
Applicable income taxes	$49,000	10,213
Income before extraordinary items	$152,000	10,444
Extraordinary gains, net	$0	65
Net income	$152,000	10,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$396,720	8,076
1994-12-31 (YTD Data)		Rank
Total interest income	$1,749,000	10,265
Total interest expense	$885,000	9,199
Net interest income	$864,000	10,839
Provision for loan and lease losses	$0	9,146
Total noninterest income	$171,000	9,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,191
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	6,520
Total noninterest expense	$791,000	10,284
Salaries and employee benefits	$370,000	10,545
Premises and equipment expense	$77,000	10,744
Additional noninterest expense	$344,000	9,422
Pre-tax net operating income	$244,000	10,544
Securities gains (losses)	$-5,000	9,408
Applicable income taxes	$62,000	10,185
Income before extraordinary items	$177,000	10,528
Extraordinary gains, net	$0	249
Net income	$177,000	10,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$180,700	10,538
1993-12-31 (YTD Data)		Rank
Total interest income	$1,886,000	10,413
Total interest expense	$934,000	9,407
Net interest income	$952,000	10,947
Provision for loan and lease losses	$0	10,371
Total noninterest income	$87,000	11,637
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	9,471
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$807,000	10,633
Salaries and employee benefits	$369,000	10,953
Premises and equipment expense	$73,000	11,396
Additional noninterest expense	$365,000	9,662
Pre-tax net operating income	$232,000	10,769
Securities gains (losses)	$74,000	2,889
Applicable income taxes	$94,000	9,895
Income before extraordinary items	$212,000	10,506
Extraordinary gains, net	$104,000	1,528
Net income	$316,000	9,451
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	11,928
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$160,940	10,868
1992-12-31 (YTD Data)		Rank
Total interest income	$2,047,000	10,811
Total interest expense	$1,119,000	9,907
Net interest income	$928,000	11,397
Provision for loan and lease losses	$32,000	9,896
Total noninterest income	$83,000	12,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	10,969
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	10,399
Total noninterest expense	$818,000	10,916
Salaries and employee benefits	$360,000	11,340
Premises and equipment expense	$104,000	10,590
Additional noninterest expense	$352,000	10,171
Pre-tax net operating income	$161,000	11,414
Securities gains (losses)	$220,000	1,877
Applicable income taxes	$124,000	9,259
Income before extraordinary items	$257,000	9,826
Extraordinary gains, net	$0	1,422
Net income	$257,000	9,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	8,392
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$109,600	11,505

* 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.