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The Ossian State Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$707,000	10,094
Total interest expense	$425,000	9,854
Net interest income	$282,000	10,221
Provision for loan and lease losses	$-2,000	10,182
Total noninterest income	$42,000	9,951
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	8,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,104
Total noninterest expense	$301,000	10,259
Salaries and employee benefits	$155,000	10,260
Premises and equipment expense	$37,000	10,081
Additional noninterest expense	$109,000	10,060
Pre-tax net operating income	$25,000	9,701
Securities gains (losses)	$20,000	2,430
Applicable income taxes	$0	9,340
Income before extraordinary items	$45,000	9,648
Extraordinary gains, net	$0	32
Net income	$45,000	9,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$3,400,000	885
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$25,000	9,684
1997-12-31 (YTD Data)		Rank
Total interest income	$1,711,000	9,413
Total interest expense	$873,000	9,044
Net interest income	$838,000	9,582
Provision for loan and lease losses	$22,000	7,821
Total noninterest income	$65,000	10,031
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	8,145
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,669
Total noninterest expense	$678,000	9,465
Salaries and employee benefits	$438,000	9,024
Premises and equipment expense	$81,000	9,410
Additional noninterest expense	$159,000	9,896
Pre-tax net operating income	$203,000	9,557
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$13,000	9,855
Income before extraordinary items	$192,000	9,233
Extraordinary gains, net	$0	44
Net income	$192,000	9,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$301,000	4,509
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$190,120	9,202
1996-12-31 (YTD Data)		Rank
Total interest income	$1,732,000	9,767
Total interest expense	$819,000	9,588
Net interest income	$913,000	9,802
Provision for loan and lease losses	$-2,000	11,044
Total noninterest income	$44,000	10,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	9,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	11,319
Total noninterest expense	$597,000	10,179
Salaries and employee benefits	$370,000	9,812
Premises and equipment expense	$74,000	9,976
Additional noninterest expense	$153,000	10,518
Pre-tax net operating income	$362,000	8,738
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$106,000	8,649
Income before extraordinary items	$259,000	8,759
Extraordinary gains, net	$0	53
Net income	$259,000	8,758
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	10,223
Cash dividends	$161,000	5,854
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$256,870	8,719
1995-12-31 (YTD Data)		Rank
Total interest income	$1,457,000	10,602
Total interest expense	$601,000	10,663
Net interest income	$856,000	10,365
Provision for loan and lease losses	$76,000	5,218
Total noninterest income	$53,000	11,298
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	9,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	11,559
Total noninterest expense	$602,000	10,556
Salaries and employee benefits	$348,000	10,348
Premises and equipment expense	$77,000	10,293
Additional noninterest expense	$177,000	10,728
Pre-tax net operating income	$231,000	10,256
Securities gains (losses)	$31,000	1,605
Applicable income taxes	$40,000	10,383
Income before extraordinary items	$222,000	9,702
Extraordinary gains, net	$0	65
Net income	$222,000	9,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,152
Cash dividends	$84,000	7,124
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$195,650	9,956
1994-12-31 (YTD Data)		Rank
Total interest income	$1,543,000	10,659
Total interest expense	$563,000	10,786
Net interest income	$980,000	10,459
Provision for loan and lease losses	$-4,000	11,707
Total noninterest income	$49,000	11,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$47,000	9,795
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	12,485
Total noninterest expense	$548,000	11,363
Salaries and employee benefits	$313,000	11,084
Premises and equipment expense	$73,000	10,875
Additional noninterest expense	$162,000	11,632
Pre-tax net operating income	$485,000	8,762
Securities gains (losses)	$37,000	1,338
Applicable income taxes	$179,000	7,729
Income before extraordinary items	$343,000	8,686
Extraordinary gains, net	$0	249
Net income	$343,000	8,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	10,519
Cash dividends	$84,000	7,238
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$318,580	9,015
1993-12-31 (YTD Data)		Rank
Total interest income	$1,625,000	10,956
Total interest expense	$612,000	11,067
Net interest income	$1,013,000	10,735
Provision for loan and lease losses	$7,000	9,969
Total noninterest income	$47,000	12,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	10,233
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,164
Total noninterest expense	$559,000	11,855
Salaries and employee benefits	$307,000	11,577
Premises and equipment expense	$67,000	11,617
Additional noninterest expense	$185,000	11,942
Pre-tax net operating income	$494,000	8,697
Securities gains (losses)	$24,000	4,420
Applicable income taxes	$160,000	8,417
Income before extraordinary items	$358,000	8,850
Extraordinary gains, net	$0	3,149
Net income	$358,000	9,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$84,000	7,236
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$341,440	8,765
1992-12-31 (YTD Data)		Rank
Total interest income	$1,738,000	11,450
Total interest expense	$739,000	11,633
Net interest income	$999,000	11,108
Provision for loan and lease losses	$16,000	10,806
Total noninterest income	$51,000	13,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	10,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,804
Total noninterest expense	$458,000	12,867
Salaries and employee benefits	$279,000	12,253
Premises and equipment expense	$18,000	13,712
Additional noninterest expense	$161,000	12,768
Pre-tax net operating income	$576,000	7,886
Securities gains (losses)	$31,000	4,927
Applicable income taxes	$172,000	8,127
Income before extraordinary items	$435,000	7,884
Extraordinary gains, net	$0	1,422
Net income	$435,000	8,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	12,178
Cash dividends	$42,000	7,917
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$412,680	7,742

* 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.