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The First State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,143,000	9,720
Total interest expense	$525,000	9,641
Net interest income	$618,000	9,688
Provision for loan and lease losses	$11,000	8,185
Total noninterest income	$118,000	8,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,483
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	8,300
Total noninterest expense	$648,000	9,267
Salaries and employee benefits	$347,000	9,310
Premises and equipment expense	$74,000	9,279
Additional noninterest expense	$227,000	8,823
Pre-tax net operating income	$77,000	9,513
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$0	9,340
Income before extraordinary items	$78,000	9,474
Extraordinary gains, net	$0	32
Net income	$78,000	9,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,204
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$77,000	9,413
1997-12-31 (YTD Data)		Rank
Total interest income	$1,079,000	10,225
Total interest expense	$474,000	10,158
Net interest income	$605,000	10,175
Provision for loan and lease losses	$13,000	8,228
Total noninterest income	$98,000	9,463
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	7,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,735
Total noninterest expense	$550,000	9,935
Salaries and employee benefits	$311,000	9,877
Premises and equipment expense	$84,000	9,342
Additional noninterest expense	$155,000	9,934
Pre-tax net operating income	$140,000	9,899
Securities gains (losses)	$-9,000	9,978
Applicable income taxes	$15,000	9,816
Income before extraordinary items	$116,000	9,865
Extraordinary gains, net	$0	44
Net income	$116,000	9,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,272
Cash dividends	$6,000	7,796
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$124,010	9,761
1996-12-31 (YTD Data)		Rank
Total interest income	$1,061,000	10,735
Total interest expense	$445,000	10,756
Net interest income	$616,000	10,616
Provision for loan and lease losses	$5,000	8,822
Total noninterest income	$95,000	9,977
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,175
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,346
Total noninterest expense	$535,000	10,448
Salaries and employee benefits	$306,000	10,300
Premises and equipment expense	$81,000	9,791
Additional noninterest expense	$148,000	10,565
Pre-tax net operating income	$171,000	9,951
Securities gains (losses)	$-15,000	10,479
Applicable income taxes	$43,000	9,812
Income before extraordinary items	$113,000	10,108
Extraordinary gains, net	$0	53
Net income	$113,000	10,107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$7,000	8,249
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$123,800	9,961
1995-12-31 (YTD Data)		Rank
Total interest income	$1,090,000	11,130
Total interest expense	$472,000	11,126
Net interest income	$618,000	11,078
Provision for loan and lease losses	$-9,000	11,407
Total noninterest income	$92,000	10,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,008
Total noninterest expense	$543,000	10,828
Salaries and employee benefits	$309,000	10,667
Premises and equipment expense	$77,000	10,293
Additional noninterest expense	$157,000	10,973
Pre-tax net operating income	$176,000	10,600
Securities gains (losses)	$-9,000	10,045
Applicable income taxes	$53,000	10,132
Income before extraordinary items	$114,000	10,802
Extraordinary gains, net	$0	65
Net income	$114,000	10,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$9,000	8,600
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$120,120	10,719
1994-12-31 (YTD Data)		Rank
Total interest income	$1,005,000	11,699
Total interest expense	$383,000	11,676
Net interest income	$622,000	11,639
Provision for loan and lease losses	$-3,000	11,697
Total noninterest income	$99,000	10,776
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	$22,000	11,301
Total noninterest expense	$582,000	11,220
Salaries and employee benefits	$299,000	11,214
Premises and equipment expense	$109,000	9,741
Additional noninterest expense	$174,000	11,482
Pre-tax net operating income	$142,000	11,331
Securities gains (losses)	$-3,000	9,178
Applicable income taxes	$44,000	10,609
Income before extraordinary items	$95,000	11,429
Extraordinary gains, net	$0	249
Net income	$95,000	11,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$97,040	11,454
1993-12-31 (YTD Data)		Rank
Total interest income	$987,000	12,321
Total interest expense	$351,000	12,431
Net interest income	$636,000	12,089
Provision for loan and lease losses	$26,000	8,647
Total noninterest income	$92,000	11,522
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	9,178
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,255
Total noninterest expense	$616,000	11,564
Salaries and employee benefits	$321,000	11,433
Premises and equipment expense	$111,000	10,087
Additional noninterest expense	$184,000	11,957
Pre-tax net operating income	$86,000	11,955
Securities gains (losses)	$82,000	2,771
Applicable income taxes	$70,000	10,475
Income before extraordinary items	$98,000	11,821
Extraordinary gains, net	$0	3,149
Net income	$98,000	11,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$66,000	7,589
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$45,520	12,141
1992-12-31 (YTD Data)		Rank
Total interest income	$1,016,000	12,995
Total interest expense	$430,000	13,066
Net interest income	$586,000	12,765
Provision for loan and lease losses	$7,000	11,393
Total noninterest income	$125,000	11,046
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	$53,000	10,222
Total noninterest expense	$579,000	12,184
Salaries and employee benefits	$297,000	12,045
Premises and equipment expense	$113,000	10,290
Additional noninterest expense	$169,000	12,668
Pre-tax net operating income	$125,000	11,758
Securities gains (losses)	$8,000	6,653
Applicable income taxes	$20,000	12,109
Income before extraordinary items	$113,000	11,769
Extraordinary gains, net	$0	1,422
Net income	$113,000	11,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	9,043
Cash dividends	$18,000	8,523
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$106,200	11,560

* 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.