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Security State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,206,000	7,026
Total interest expense	$1,697,000	6,610
Net interest income	$1,509,000	7,313
Provision for loan and lease losses	$0	8,228
Total noninterest income	$300,000	6,428
Gross Fiduciary activities income	$2,000	1,637
Service charges on deposit accounts	$164,000	5,607
Trading account gains and fees	$0	177
Additional Noninterest Income	$134,000	5,754
Total noninterest expense	$1,246,000	7,343
Salaries and employee benefits	$728,000	7,074
Premises and equipment expense	$144,000	7,624
Additional noninterest expense	$374,000	7,332
Pre-tax net operating income	$563,000	6,313
Securities gains (losses)	$13,000	3,437
Applicable income taxes	$207,000	4,962
Income before extraordinary items	$369,000	6,741
Extraordinary gains, net	$0	105
Net income	$369,000	6,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,867
Cash dividends	$130,000	5,493
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$360,680	6,659
2000-12-31 (YTD Data)		Rank
Total interest income	$3,032,000	7,381
Total interest expense	$1,843,000	6,526
Net interest income	$1,189,000	8,092
Provision for loan and lease losses	$25,000	7,386
Total noninterest income	$185,000	7,432
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	6,196
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,397
Total noninterest expense	$1,012,000	7,982
Salaries and employee benefits	$521,000	8,147
Premises and equipment expense	$149,000	7,613
Additional noninterest expense	$342,000	7,612
Pre-tax net operating income	$337,000	7,748
Securities gains (losses)	$0	1,956
Applicable income taxes	$115,000	6,332
Income before extraordinary items	$222,000	7,945
Extraordinary gains, net	$0	38
Net income	$222,000	7,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-30,000	9,506
Cash dividends	$60,000	6,304
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$222,000	7,948
1999-12-31 (YTD Data)		Rank
Total interest income	$2,557,000	7,847
Total interest expense	$1,350,000	7,302
Net interest income	$1,207,000	8,174
Provision for loan and lease losses	$415,000	2,049
Total noninterest income	$105,000	8,744
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	7,279
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	8,750
Total noninterest expense	$891,000	8,451
Salaries and employee benefits	$498,000	8,348
Premises and equipment expense	$136,000	7,908
Additional noninterest expense	$257,000	8,492
Pre-tax net operating income	$6,000	9,387
Securities gains (losses)	$16,000	1,502
Applicable income taxes	$-28,000	9,752
Income before extraordinary items	$50,000	9,238
Extraordinary gains, net	$0	35
Net income	$50,000	9,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$265,000	1,996
Cash dividends	$125,000	5,846
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$34,000	9,275
1998-12-31 (YTD Data)		Rank
Total interest income	$2,645,000	7,927
Total interest expense	$1,427,000	7,355
Net interest income	$1,218,000	8,295
Provision for loan and lease losses	$60,000	6,123
Total noninterest income	$112,000	8,814
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	7,419
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,655
Total noninterest expense	$890,000	8,463
Salaries and employee benefits	$510,000	8,297
Premises and equipment expense	$144,000	7,784
Additional noninterest expense	$236,000	8,733
Pre-tax net operating income	$380,000	7,981
Securities gains (losses)	$0	4,449
Applicable income taxes	$117,000	7,286
Income before extraordinary items	$263,000	8,156
Extraordinary gains, net	$0	32
Net income	$263,000	8,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,038
Cash dividends	$125,000	6,004
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$263,000	8,076
1997-12-31 (YTD Data)		Rank
Total interest income	$2,426,000	8,475
Total interest expense	$1,243,000	7,998
Net interest income	$1,183,000	8,721
Provision for loan and lease losses	$305,000	2,540
Total noninterest income	$123,000	9,012
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	7,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	9,236
Total noninterest expense	$883,000	8,741
Salaries and employee benefits	$502,000	8,592
Premises and equipment expense	$129,000	8,265
Additional noninterest expense	$252,000	8,826
Pre-tax net operating income	$118,000	9,996
Securities gains (losses)	$44,000	1,416
Applicable income taxes	$32,000	9,533
Income before extraordinary items	$130,000	9,767
Extraordinary gains, net	$0	44
Net income	$130,000	9,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$326,000	1,851
Cash dividends	$120,000	6,224
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$94,800	9,954
1996-12-31 (YTD Data)		Rank
Total interest income	$2,350,000	8,903
Total interest expense	$1,139,000	8,568
Net interest income	$1,211,000	9,007
Provision for loan and lease losses	$0	9,041
Total noninterest income	$171,000	8,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,197
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	8,577
Total noninterest expense	$880,000	9,126
Salaries and employee benefits	$510,000	8,795
Premises and equipment expense	$96,000	9,398
Additional noninterest expense	$274,000	9,148
Pre-tax net operating income	$502,000	7,930
Securities gains (losses)	$0	4,148
Applicable income taxes	$134,000	8,146
Income before extraordinary items	$368,000	7,875
Extraordinary gains, net	$0	53
Net income	$368,000	7,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	7,019
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$368,000	7,814
1995-12-31 (YTD Data)		Rank
Total interest income	$2,138,000	9,511
Total interest expense	$1,003,000	9,249
Net interest income	$1,135,000	9,526
Provision for loan and lease losses	$0	8,958
Total noninterest income	$153,000	9,259
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	7,690
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	9,276
Total noninterest expense	$881,000	9,426
Salaries and employee benefits	$472,000	9,337
Premises and equipment expense	$79,000	10,226
Additional noninterest expense	$330,000	8,915
Pre-tax net operating income	$407,000	9,024
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$64,000	9,898
Income before extraordinary items	$348,000	8,497
Extraordinary gains, net	$0	65
Net income	$348,000	8,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$-281,000	10,493
Net operating income	$343,800	8,506
1994-12-31 (YTD Data)		Rank
Total interest income	$2,063,000	9,680
Total interest expense	$809,000	9,563
Net interest income	$1,254,000	9,608
Provision for loan and lease losses	$10,000	8,460
Total noninterest income	$98,000	10,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,111
Total noninterest expense	$840,000	10,048
Salaries and employee benefits	$427,000	10,034
Premises and equipment expense	$79,000	10,685
Additional noninterest expense	$334,000	9,558
Pre-tax net operating income	$502,000	8,640
Securities gains (losses)	$25,000	1,598
Applicable income taxes	$150,000	8,297
Income before extraordinary items	$377,000	8,390
Extraordinary gains, net	$0	249
Net income	$377,000	8,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,696
Cash dividends	$240,000	5,038
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$359,000	8,608
1993-12-31 (YTD Data)		Rank
Total interest income	$2,225,000	9,727
Total interest expense	$876,000	9,654
Net interest income	$1,349,000	9,578
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$110,000	11,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	8,496
Total noninterest expense	$889,000	10,250
Salaries and employee benefits	$443,000	10,224
Premises and equipment expense	$75,000	11,339
Additional noninterest expense	$371,000	9,592
Pre-tax net operating income	$546,000	8,328
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$169,000	8,222
Income before extraordinary items	$378,000	8,655
Extraordinary gains, net	$0	3,149
Net income	$378,000	8,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	10,864
Cash dividends	$115,000	6,633
Sale, conversion, retirement of capital stock, net	$-531,000	13,240
Net operating income	$377,310	8,405
1992-12-31 (YTD Data)		Rank
Total interest income	$2,370,000	10,149
Total interest expense	$1,104,000	9,966
Net interest income	$1,266,000	10,074
Provision for loan and lease losses	$22,000	10,490
Total noninterest income	$105,000	11,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,899
Total noninterest expense	$777,000	11,115
Salaries and employee benefits	$420,000	10,630
Premises and equipment expense	$83,000	11,388
Additional noninterest expense	$274,000	11,213
Pre-tax net operating income	$572,000	7,910
Securities gains (losses)	$-4,000	13,019
Applicable income taxes	$217,000	7,239
Income before extraordinary items	$351,000	8,707
Extraordinary gains, net	$0	1,422
Net income	$351,000	8,840
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	12,396
Cash dividends	$95,000	6,756
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$353,560	8,315

* 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.