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The First State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$883,000	10,945
Total interest expense	$273,000	11,124
Net interest income	$610,000	10,634
Provision for loan and lease losses	$0	9,041
Total noninterest income	$59,000	10,697
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	8,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,246
Total noninterest expense	$514,000	10,528
Salaries and employee benefits	$204,000	10,994
Premises and equipment expense	$24,000	11,240
Additional noninterest expense	$286,000	9,027
Pre-tax net operating income	$155,000	10,049
Securities gains (losses)	$0	4,148
Applicable income taxes	$46,000	9,765
Income before extraordinary items	$109,000	10,147
Extraordinary gains, net	$0	53
Net income	$109,000	10,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	3,799
Cash dividends	$8,000	8,240
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$109,000	10,091
1995-12-31 (YTD Data)		Rank
Total interest income	$941,000	11,376
Total interest expense	$277,000	11,623
Net interest income	$664,000	10,938
Provision for loan and lease losses	$232,000	2,745
Total noninterest income	$65,000	11,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,796
Total noninterest expense	$373,000	11,518
Salaries and employee benefits	$206,000	11,462
Premises and equipment expense	$37,000	11,447
Additional noninterest expense	$130,000	11,309
Pre-tax net operating income	$124,000	10,950
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$41,000	10,357
Income before extraordinary items	$85,000	11,058
Extraordinary gains, net	$0	65
Net income	$85,000	11,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	2,598
Cash dividends	$8,000	8,610
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$83,660	11,056
1994-12-31 (YTD Data)		Rank
Total interest income	$937,000	11,820
Total interest expense	$282,000	12,092
Net interest income	$655,000	11,538
Provision for loan and lease losses	$61,000	5,573
Total noninterest income	$68,000	11,535
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	9,141
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	12,485
Total noninterest expense	$413,000	11,980
Salaries and employee benefits	$213,000	11,971
Premises and equipment expense	$94,000	10,216
Additional noninterest expense	$106,000	12,248
Pre-tax net operating income	$249,000	10,497
Securities gains (losses)	$0	3,600
Applicable income taxes	$96,000	9,458
Income before extraordinary items	$153,000	10,780
Extraordinary gains, net	$0	249
Net income	$153,000	10,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,525
Cash dividends	$8,000	8,823
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$153,000	10,832
1993-12-31 (YTD Data)		Rank
Total interest income	$918,000	12,473
Total interest expense	$349,000	12,442
Net interest income	$569,000	12,329
Provision for loan and lease losses	$150,000	4,621
Total noninterest income	$80,000	11,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	9,110
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	13,123
Total noninterest expense	$356,000	12,810
Salaries and employee benefits	$221,000	12,448
Premises and equipment expense	$19,000	13,098
Additional noninterest expense	$116,000	12,805
Pre-tax net operating income	$143,000	11,523
Securities gains (losses)	$0	7,477
Applicable income taxes	$46,000	11,040
Income before extraordinary items	$97,000	11,833
Extraordinary gains, net	$0	3,149
Net income	$97,000	11,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	3,696
Cash dividends	$8,000	8,948
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$97,000	11,641
1992-12-31 (YTD Data)		Rank
Total interest income	$852,000	13,269
Total interest expense	$416,000	13,130
Net interest income	$436,000	13,281
Provision for loan and lease losses	$0	11,756
Total noninterest income	$76,000	12,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	13,723
Total noninterest expense	$390,000	13,213
Salaries and employee benefits	$215,000	12,994
Premises and equipment expense	$27,000	13,499
Additional noninterest expense	$148,000	12,985
Pre-tax net operating income	$122,000	11,786
Securities gains (losses)	$0	8,369
Applicable income taxes	$38,000	11,577
Income before extraordinary items	$84,000	12,161
Extraordinary gains, net	$0	1,422
Net income	$84,000	12,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	12,871
Cash dividends	$8,000	8,762
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$84,000	11,866

* 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.