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The First State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,703,000	9,803
Total interest expense	$683,000	10,019
Net interest income	$1,020,000	9,504
Provision for loan and lease losses	$0	9,041
Total noninterest income	$191,000	8,358
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	5,903
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	10,919
Total noninterest expense	$938,000	8,931
Salaries and employee benefits	$517,000	8,734
Premises and equipment expense	$72,000	10,016
Additional noninterest expense	$349,000	8,368
Pre-tax net operating income	$273,000	9,309
Securities gains (losses)	$0	4,148
Applicable income taxes	$87,000	8,980
Income before extraordinary items	$186,000	9,429
Extraordinary gains, net	$0	53
Net income	$186,000	9,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$31,000	7,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$186,000	9,372
1995-12-31 (YTD Data)		Rank
Total interest income	$1,663,000	10,236
Total interest expense	$660,000	10,444
Net interest income	$1,003,000	9,936
Provision for loan and lease losses	$0	8,958
Total noninterest income	$224,000	8,081
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$191,000	5,848
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,076
Total noninterest expense	$920,000	9,285
Salaries and employee benefits	$501,000	9,110
Premises and equipment expense	$71,000	10,456
Additional noninterest expense	$348,000	8,711
Pre-tax net operating income	$307,000	9,696
Securities gains (losses)	$0	3,831
Applicable income taxes	$113,000	8,910
Income before extraordinary items	$194,000	9,997
Extraordinary gains, net	$0	65
Net income	$194,000	10,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	11,160
Cash dividends	$34,000	8,122
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$194,000	9,971
1994-12-31 (YTD Data)		Rank
Total interest income	$1,431,000	10,870
Total interest expense	$457,000	11,292
Net interest income	$974,000	10,477
Provision for loan and lease losses	$0	9,146
Total noninterest income	$188,000	8,957
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	6,386
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,783
Total noninterest expense	$915,000	9,707
Salaries and employee benefits	$518,000	9,224
Premises and equipment expense	$74,000	10,838
Additional noninterest expense	$323,000	9,680
Pre-tax net operating income	$247,000	10,519
Securities gains (losses)	$0	3,600
Applicable income taxes	$51,000	10,446
Income before extraordinary items	$196,000	10,322
Extraordinary gains, net	$0	249
Net income	$196,000	10,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,946
Cash dividends	$49,000	8,014
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$196,000	10,369
1993-12-31 (YTD Data)		Rank
Total interest income	$1,348,000	11,572
Total interest expense	$444,000	11,977
Net interest income	$904,000	11,150
Provision for loan and lease losses	$5,000	10,098
Total noninterest income	$189,000	9,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	6,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,333
Total noninterest expense	$965,000	9,901
Salaries and employee benefits	$511,000	9,565
Premises and equipment expense	$60,000	11,855
Additional noninterest expense	$394,000	9,328
Pre-tax net operating income	$123,000	11,697
Securities gains (losses)	$0	7,477
Applicable income taxes	$28,000	11,440
Income before extraordinary items	$95,000	11,842
Extraordinary gains, net	$0	3,149
Net income	$95,000	11,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	7,730
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$95,000	11,656
1992-12-31 (YTD Data)		Rank
Total interest income	$1,710,000	11,501
Total interest expense	$774,000	11,449
Net interest income	$936,000	11,358
Provision for loan and lease losses	$170,000	5,731
Total noninterest income	$161,000	10,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$152,000	7,048
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	13,414
Total noninterest expense	$1,022,000	9,877
Salaries and employee benefits	$465,000	10,142
Premises and equipment expense	$64,000	12,099
Additional noninterest expense	$493,000	8,524
Pre-tax net operating income	$-95,000	12,932
Securities gains (losses)	$66,000	3,674
Applicable income taxes	$0	12,680
Income before extraordinary items	$-29,000	12,958
Extraordinary gains, net	$0	1,422
Net income	$-29,000	12,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	4,125
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$172,000	757
Net operating income	$-95,000	12,902

* 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.