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The Blue Springs State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,051,000	9,809
Total interest expense	$559,000	9,569
Net interest income	$492,000	9,938
Provision for loan and lease losses	$0	8,652
Total noninterest income	$71,000	9,497
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	8,089
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	9,338
Total noninterest expense	$324,000	10,210
Salaries and employee benefits	$199,000	10,111
Premises and equipment expense	$17,000	10,340
Additional noninterest expense	$108,000	10,072
Pre-tax net operating income	$239,000	8,720
Securities gains (losses)	$2,000	3,909
Applicable income taxes	$42,000	8,467
Income before extraordinary items	$199,000	8,629
Extraordinary gains, net	$0	32
Net income	$199,000	8,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	9,653
Cash dividends	$149,000	5,836
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$197,340	8,571
1997-12-31 (YTD Data)		Rank
Total interest income	$1,086,000	10,216
Total interest expense	$560,000	9,941
Net interest income	$526,000	10,327
Provision for loan and lease losses	$15,000	8,110
Total noninterest income	$69,000	9,962
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	8,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,956
Total noninterest expense	$322,000	10,658
Salaries and employee benefits	$191,000	10,579
Premises and equipment expense	$18,000	10,780
Additional noninterest expense	$113,000	10,417
Pre-tax net operating income	$258,000	9,245
Securities gains (losses)	$-1,000	9,009
Applicable income taxes	$56,000	9,157
Income before extraordinary items	$201,000	9,142
Extraordinary gains, net	$0	44
Net income	$201,000	9,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,932
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$201,780	9,098
1996-12-31 (YTD Data)		Rank
Total interest income	$1,081,000	10,704
Total interest expense	$575,000	10,358
Net interest income	$506,000	10,880
Provision for loan and lease losses	$0	9,041
Total noninterest income	$70,000	10,476
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	8,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	10,461
Total noninterest expense	$312,000	11,193
Salaries and employee benefits	$184,000	11,092
Premises and equipment expense	$19,000	11,310
Additional noninterest expense	$109,000	11,007
Pre-tax net operating income	$264,000	9,376
Securities gains (losses)	$0	4,148
Applicable income taxes	$54,000	9,620
Income before extraordinary items	$210,000	9,200
Extraordinary gains, net	$0	53
Net income	$210,000	9,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$190,000	5,589
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$210,000	9,148
1995-12-31 (YTD Data)		Rank
Total interest income	$1,021,000	11,241
Total interest expense	$529,000	10,919
Net interest income	$492,000	11,413
Provision for loan and lease losses	$0	8,958
Total noninterest income	$69,000	10,984
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	9,178
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$321,000	11,662
Salaries and employee benefits	$180,000	11,597
Premises and equipment expense	$17,000	11,838
Additional noninterest expense	$124,000	11,383
Pre-tax net operating income	$240,000	10,196
Securities gains (losses)	$11,000	2,318
Applicable income taxes	$43,000	10,315
Income before extraordinary items	$208,000	9,846
Extraordinary gains, net	$0	65
Net income	$208,000	9,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$180,000	5,723
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$198,870	9,915
1994-12-31 (YTD Data)		Rank
Total interest income	$933,000	11,829
Total interest expense	$452,000	11,324
Net interest income	$481,000	12,059
Provision for loan and lease losses	$0	9,146
Total noninterest income	$100,000	10,747
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	9,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,035
Total noninterest expense	$462,000	11,790
Salaries and employee benefits	$176,000	12,216
Premises and equipment expense	$16,000	12,478
Additional noninterest expense	$270,000	10,298
Pre-tax net operating income	$119,000	11,505
Securities gains (losses)	$0	3,600
Applicable income taxes	$3,000	11,532
Income before extraordinary items	$116,000	11,204
Extraordinary gains, net	$0	249
Net income	$116,000	11,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$165,000	5,872
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$116,000	11,254
1993-12-31 (YTD Data)		Rank
Total interest income	$953,000	12,391
Total interest expense	$457,000	11,903
Net interest income	$496,000	12,568
Provision for loan and lease losses	$0	10,371
Total noninterest income	$72,000	12,009
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	10,018
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$332,000	12,889
Salaries and employee benefits	$175,000	12,822
Premises and equipment expense	$16,000	13,144
Additional noninterest expense	$141,000	12,530
Pre-tax net operating income	$236,000	10,733
Securities gains (losses)	$0	7,477
Applicable income taxes	$39,000	11,180
Income before extraordinary items	$197,000	10,690
Extraordinary gains, net	$0	3,149
Net income	$197,000	10,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$170,000	5,821
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$197,000	10,462
1992-12-31 (YTD Data)		Rank
Total interest income	$1,073,000	12,893
Total interest expense	$566,000	12,457
Net interest income	$507,000	13,057
Provision for loan and lease losses	$0	11,756
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	10,808
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	12,987
Total noninterest expense	$303,000	13,552
Salaries and employee benefits	$172,000	13,393
Premises and equipment expense	$16,000	13,750
Additional noninterest expense	$115,000	13,387
Pre-tax net operating income	$256,000	10,548
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$72,000	10,657
Income before extraordinary items	$187,000	10,779
Extraordinary gains, net	$0	1,422
Net income	$187,000	10,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	9,962
Cash dividends	$180,000	5,316
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$184,840	10,477

* 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.