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Stockmens Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,673,000	9,846
Total interest expense	$581,000	10,335
Net interest income	$1,092,000	9,305
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$232,000	7,822
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$187,000	5,794
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,116
Total noninterest expense	$798,000	9,432
Salaries and employee benefits	$373,000	9,793
Premises and equipment expense	$175,000	7,528
Additional noninterest expense	$250,000	9,394
Pre-tax net operating income	$466,000	8,138
Securities gains (losses)	$0	4,148
Applicable income taxes	$116,000	8,455
Income before extraordinary items	$350,000	8,002
Extraordinary gains, net	$0	53
Net income	$350,000	8,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	5,074
Cash dividends	$370,000	4,083
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$350,000	7,940
1995-12-31 (YTD Data)		Rank
Total interest income	$1,624,000	10,306
Total interest expense	$548,000	10,859
Net interest income	$1,076,000	9,696
Provision for loan and lease losses	$20,000	7,637
Total noninterest income	$218,000	8,150
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$178,000	6,102
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	9,709
Total noninterest expense	$707,000	10,161
Salaries and employee benefits	$356,000	10,285
Premises and equipment expense	$153,000	8,197
Additional noninterest expense	$198,000	10,438
Pre-tax net operating income	$567,000	8,065
Securities gains (losses)	$30,000	1,626
Applicable income taxes	$215,000	7,172
Income before extraordinary items	$382,000	8,223
Extraordinary gains, net	$0	65
Net income	$382,000	8,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,712
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$362,800	8,349
1994-12-31 (YTD Data)		Rank
Total interest income	$870,000	11,950
Total interest expense	$281,000	12,096
Net interest income	$589,000	11,745
Provision for loan and lease losses	$156,000	3,523
Total noninterest income	$108,000	10,558
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$475,000	11,722
Salaries and employee benefits	$183,000	12,184
Premises and equipment expense	$93,000	10,249
Additional noninterest expense	$199,000	11,166
Pre-tax net operating income	$66,000	11,823
Securities gains (losses)	$0	3,600
Applicable income taxes	$11,000	11,350
Income before extraordinary items	$55,000	11,770
Extraordinary gains, net	$0	249
Net income	$55,000	11,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	4,047
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$55,000	11,813
1993-12-31 (YTD Data)		Rank
Total interest income	$1,101,000	12,085
Total interest expense	$342,000	12,488
Net interest income	$759,000	11,668
Provision for loan and lease losses	$60,000	6,949
Total noninterest income	$174,000	9,724
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	8,152
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	9,257
Total noninterest expense	$671,000	11,302
Salaries and employee benefits	$367,000	10,976
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$217,000	11,505
Pre-tax net operating income	$202,000	11,018
Securities gains (losses)	$22,000	4,534
Applicable income taxes	$84,000	10,123
Income before extraordinary items	$140,000	11,333
Extraordinary gains, net	$-20,000	12,458
Net income	$120,000	11,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	5,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$125,920	11,293
1992-12-31 (YTD Data)		Rank
Total interest income	$1,196,000	12,612
Total interest expense	$375,000	13,282
Net interest income	$821,000	11,825
Provision for loan and lease losses	$0	11,756
Total noninterest income	$149,000	10,515
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	8,491
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$674,000	11,656
Salaries and employee benefits	$369,000	11,230
Premises and equipment expense	$88,000	11,176
Additional noninterest expense	$217,000	12,004
Pre-tax net operating income	$296,000	10,177
Securities gains (losses)	$15,000	5,962
Applicable income taxes	$64,000	10,889
Income before extraordinary items	$247,000	9,955
Extraordinary gains, net	$0	1,422
Net income	$247,000	10,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	10,059
Cash dividends	$800,000	1,894
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$235,150	9,744

* 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.