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State Bank of Terry, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,784,000	7,780
Total interest expense	$1,325,000	7,599
Net interest income	$1,459,000	7,778
Provision for loan and lease losses	$40,000	6,927
Total noninterest income	$110,000	8,845
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	7,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,196
Total noninterest expense	$760,000	8,905
Salaries and employee benefits	$477,000	8,502
Premises and equipment expense	$92,000	8,886
Additional noninterest expense	$191,000	9,226
Pre-tax net operating income	$769,000	6,212
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$284,000	5,318
Income before extraordinary items	$489,000	6,670
Extraordinary gains, net	$0	32
Net income	$489,000	6,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,328
Cash dividends	$96,000	6,336
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$486,440	6,581
1997-12-31 (YTD Data)		Rank
Total interest income	$2,789,000	8,021
Total interest expense	$1,288,000	7,880
Net interest income	$1,501,000	7,980
Provision for loan and lease losses	$34,000	7,270
Total noninterest income	$108,000	9,266
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	7,607
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$754,000	9,216
Salaries and employee benefits	$472,000	8,806
Premises and equipment expense	$93,000	9,130
Additional noninterest expense	$189,000	9,552
Pre-tax net operating income	$821,000	6,449
Securities gains (losses)	$13,000	2,177
Applicable income taxes	$298,000	5,740
Income before extraordinary items	$536,000	6,764
Extraordinary gains, net	$0	44
Net income	$536,000	6,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,767
Cash dividends	$96,000	6,604
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$527,680	6,759
1996-12-31 (YTD Data)		Rank
Total interest income	$2,723,000	8,383
Total interest expense	$1,284,000	8,147
Net interest income	$1,439,000	8,414
Provision for loan and lease losses	$90,000	5,326
Total noninterest income	$108,000	9,748
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	7,775
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,411
Total noninterest expense	$714,000	9,765
Salaries and employee benefits	$455,000	9,207
Premises and equipment expense	$89,000	9,582
Additional noninterest expense	$170,000	10,300
Pre-tax net operating income	$743,000	6,740
Securities gains (losses)	$9,000	2,573
Applicable income taxes	$273,000	6,139
Income before extraordinary items	$479,000	7,045
Extraordinary gains, net	$0	53
Net income	$479,000	7,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,017
Cash dividends	$96,000	6,813
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$473,240	7,027
1995-12-31 (YTD Data)		Rank
Total interest income	$2,551,000	8,886
Total interest expense	$1,228,000	8,500
Net interest income	$1,323,000	9,011
Provision for loan and lease losses	$7,000	8,542
Total noninterest income	$100,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,891
Total noninterest expense	$722,000	10,100
Salaries and employee benefits	$436,000	9,649
Premises and equipment expense	$76,000	10,320
Additional noninterest expense	$210,000	10,303
Pre-tax net operating income	$694,000	7,353
Securities gains (losses)	$12,000	2,250
Applicable income taxes	$263,000	6,470
Income before extraordinary items	$443,000	7,698
Extraordinary gains, net	$0	65
Net income	$443,000	7,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,798
Cash dividends	$96,000	6,925
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$435,320	7,739
1994-12-31 (YTD Data)		Rank
Total interest income	$2,187,000	9,452
Total interest expense	$911,000	9,078
Net interest income	$1,276,000	9,530
Provision for loan and lease losses	$0	9,146
Total noninterest income	$98,000	10,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,860
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	11,176
Total noninterest expense	$747,000	10,481
Salaries and employee benefits	$421,000	10,098
Premises and equipment expense	$93,000	10,249
Additional noninterest expense	$233,000	10,727
Pre-tax net operating income	$627,000	7,843
Securities gains (losses)	$-7,000	9,611
Applicable income taxes	$234,000	6,767
Income before extraordinary items	$386,000	8,303
Extraordinary gains, net	$0	249
Net income	$386,000	8,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$96,000	7,030
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$390,480	8,325
1993-12-31 (YTD Data)		Rank
Total interest income	$2,173,000	9,839
Total interest expense	$932,000	9,414
Net interest income	$1,241,000	9,931
Provision for loan and lease losses	$0	10,371
Total noninterest income	$97,000	11,399
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	9,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$725,000	11,042
Salaries and employee benefits	$408,000	10,552
Premises and equipment expense	$78,000	11,231
Additional noninterest expense	$239,000	11,210
Pre-tax net operating income	$613,000	7,859
Securities gains (losses)	$10,000	5,473
Applicable income taxes	$239,000	6,966
Income before extraordinary items	$384,000	8,591
Extraordinary gains, net	$0	3,149
Net income	$384,000	8,757
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	8,297
Cash dividends	$96,000	7,040
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$377,600	8,404
1992-12-31 (YTD Data)		Rank
Total interest income	$2,450,000	10,004
Total interest expense	$1,188,000	9,644
Net interest income	$1,262,000	10,090
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$104,000	11,616
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	9,162
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	12,236
Total noninterest expense	$626,000	11,910
Salaries and employee benefits	$367,000	11,261
Premises and equipment expense	$55,000	12,495
Additional noninterest expense	$204,000	12,186
Pre-tax net operating income	$690,000	7,158
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$271,000	6,345
Income before extraordinary items	$420,000	8,021
Extraordinary gains, net	$0	1,422
Net income	$420,000	8,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	7,468
Cash dividends	$72,000	7,205
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$419,360	7,669

* 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.