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State Bank of Towner, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,958,000	8,056
Total interest expense	$1,455,000	7,679
Net interest income	$1,503,000	8,260
Provision for loan and lease losses	$138,000	4,289
Total noninterest income	$168,000	8,719
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	7,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,649
Total noninterest expense	$840,000	9,277
Salaries and employee benefits	$439,000	9,335
Premises and equipment expense	$109,000	9,055
Additional noninterest expense	$292,000	8,962
Pre-tax net operating income	$693,000	6,962
Securities gains (losses)	$-17,000	10,550
Applicable income taxes	$252,000	6,426
Income before extraordinary items	$424,000	7,424
Extraordinary gains, net	$0	53
Net income	$424,000	7,424
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,017
Cash dividends	$295,000	4,624
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$434,880	7,294
1995-12-31 (YTD Data)		Rank
Total interest income	$2,699,000	8,638
Total interest expense	$1,202,000	8,580
Net interest income	$1,497,000	8,542
Provision for loan and lease losses	$152,000	3,599
Total noninterest income	$72,000	10,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	11,150
Total noninterest expense	$832,000	9,641
Salaries and employee benefits	$411,000	9,860
Premises and equipment expense	$114,000	9,208
Additional noninterest expense	$307,000	9,176
Pre-tax net operating income	$585,000	7,956
Securities gains (losses)	$-42,000	11,077
Applicable income taxes	$113,000	8,910
Income before extraordinary items	$430,000	7,804
Extraordinary gains, net	$0	65
Net income	$430,000	7,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,392
Cash dividends	$329,000	4,315
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$463,180	7,499
1994-12-31 (YTD Data)		Rank
Total interest income	$553,000	12,365
Total interest expense	$221,000	12,286
Net interest income	$332,000	12,360
Provision for loan and lease losses	$45,000	6,361
Total noninterest income	$21,000	12,374
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	10,657
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	12,250
Total noninterest expense	$206,000	12,510
Salaries and employee benefits	$93,000	12,527
Premises and equipment expense	$23,000	12,384
Additional noninterest expense	$90,000	12,374
Pre-tax net operating income	$102,000	11,617
Securities gains (losses)	$0	3,600
Applicable income taxes	$30,000	10,923
Income before extraordinary items	$72,000	11,639
Extraordinary gains, net	$0	249
Net income	$72,000	11,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,826
Cash dividends	$600,000	2,782
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$72,000	11,681
1993-12-31 (YTD Data)		Rank
Total interest income	$2,028,000	10,120
Total interest expense	$860,000	9,742
Net interest income	$1,168,000	10,172
Provision for loan and lease losses	$-15,000	12,550
Total noninterest income	$129,000	10,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	9,182
Total noninterest expense	$846,000	10,446
Salaries and employee benefits	$455,000	10,093
Premises and equipment expense	$105,000	10,294
Additional noninterest expense	$286,000	10,615
Pre-tax net operating income	$466,000	8,896
Securities gains (losses)	$-4,000	12,523
Applicable income taxes	$149,000	8,674
Income before extraordinary items	$313,000	9,328
Extraordinary gains, net	$0	3,149
Net income	$313,000	9,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	11,928
Cash dividends	$349,000	4,025
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$315,720	9,040
1992-12-31 (YTD Data)		Rank
Total interest income	$2,321,000	10,256
Total interest expense	$1,153,000	9,780
Net interest income	$1,168,000	10,435
Provision for loan and lease losses	$-90,000	13,691
Total noninterest income	$124,000	11,071
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	9,539
Total noninterest expense	$925,000	10,338
Salaries and employee benefits	$516,000	9,619
Premises and equipment expense	$103,000	10,619
Additional noninterest expense	$306,000	10,744
Pre-tax net operating income	$457,000	8,734
Securities gains (losses)	$-11,000	13,323
Applicable income taxes	$141,000	8,864
Income before extraordinary items	$305,000	9,253
Extraordinary gains, net	$0	1,422
Net income	$305,000	9,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	13,448
Cash dividends	$199,000	5,145
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$312,480	8,769

* 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.