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The Wymore State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,009,000	9,144
Total interest expense	$418,000	9,140
Net interest income	$591,000	9,054
Provision for loan and lease losses	$168,000	4,563
Total noninterest income	$71,000	8,893
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$55,000	7,493
Trading account gains and fees	$0	177
Additional Noninterest Income	$16,000	8,892
Total noninterest expense	$372,000	9,402
Salaries and employee benefits	$220,000	9,349
Premises and equipment expense	$34,000	9,367
Additional noninterest expense	$118,000	9,264
Pre-tax net operating income	$122,000	8,228
Securities gains (losses)	$2,000	4,242
Applicable income taxes	$18,000	7,372
Income before extraordinary items	$106,000	8,293
Extraordinary gains, net	$0	105
Net income	$106,000	8,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	3,220
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$104,300	8,196
2000-12-31 (YTD Data)		Rank
Total interest income	$1,131,000	9,288
Total interest expense	$572,000	9,103
Net interest income	$559,000	9,350
Provision for loan and lease losses	$192,000	3,840
Total noninterest income	$72,000	9,004
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	7,570
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	8,953
Total noninterest expense	$368,000	9,654
Salaries and employee benefits	$210,000	9,600
Premises and equipment expense	$33,000	9,633
Additional noninterest expense	$125,000	9,453
Pre-tax net operating income	$71,000	8,905
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,000	8,314
Income before extraordinary items	$70,000	8,880
Extraordinary gains, net	$0	38
Net income	$70,000	8,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,566
Cash dividends	$125,000	5,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$70,000	8,863
1999-12-31 (YTD Data)		Rank
Total interest income	$1,094,000	9,523
Total interest expense	$489,000	9,464
Net interest income	$605,000	9,503
Provision for loan and lease losses	$90,000	5,432
Total noninterest income	$63,000	9,407
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	7,941
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	9,383
Total noninterest expense	$351,000	9,979
Salaries and employee benefits	$202,000	9,910
Premises and equipment expense	$34,000	9,919
Additional noninterest expense	$115,000	9,810
Pre-tax net operating income	$227,000	8,445
Securities gains (losses)	$0	3,155
Applicable income taxes	$55,000	7,567
Income before extraordinary items	$172,000	8,491
Extraordinary gains, net	$0	35
Net income	$172,000	8,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,827
Cash dividends	$100,000	6,057
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$172,000	8,455
1998-12-31 (YTD Data)		Rank
Total interest income	$1,086,000	9,775
Total interest expense	$500,000	9,696
Net interest income	$586,000	9,764
Provision for loan and lease losses	$50,000	6,568
Total noninterest income	$69,000	9,531
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	8,047
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,525
Total noninterest expense	$367,000	10,128
Salaries and employee benefits	$206,000	10,082
Premises and equipment expense	$38,000	10,066
Additional noninterest expense	$123,000	9,926
Pre-tax net operating income	$238,000	8,728
Securities gains (losses)	$0	4,449
Applicable income taxes	$61,000	8,140
Income before extraordinary items	$177,000	8,788
Extraordinary gains, net	$0	32
Net income	$177,000	8,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,762
Cash dividends	$100,000	6,234
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$177,000	8,719
1997-12-31 (YTD Data)		Rank
Total interest income	$1,075,000	10,228
Total interest expense	$493,000	10,115
Net interest income	$582,000	10,223
Provision for loan and lease losses	$100,000	5,146
Total noninterest income	$86,000	9,650
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	7,917
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	10,015
Total noninterest expense	$354,000	10,580
Salaries and employee benefits	$197,000	10,560
Premises and equipment expense	$46,000	10,292
Additional noninterest expense	$111,000	10,436
Pre-tax net operating income	$214,000	9,506
Securities gains (losses)	$31,000	1,616
Applicable income taxes	$55,000	9,178
Income before extraordinary items	$190,000	9,246
Extraordinary gains, net	$0	44
Net income	$190,000	9,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	3,667
Cash dividends	$100,000	6,450
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$165,820	9,400
1996-12-31 (YTD Data)		Rank
Total interest income	$971,000	10,861
Total interest expense	$438,000	10,781
Net interest income	$533,000	10,817
Provision for loan and lease losses	$67,000	5,924
Total noninterest income	$80,000	10,284
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	8,618
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	10,300
Total noninterest expense	$341,000	11,134
Salaries and employee benefits	$189,000	11,070
Premises and equipment expense	$36,000	11,014
Additional noninterest expense	$116,000	10,939
Pre-tax net operating income	$205,000	9,759
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$39,000	9,889
Income before extraordinary items	$170,000	9,600
Extraordinary gains, net	$0	53
Net income	$170,000	9,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,674
Cash dividends	$100,000	6,641
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$166,760	9,576
1995-12-31 (YTD Data)		Rank
Total interest income	$858,000	11,465
Total interest expense	$369,000	11,415
Net interest income	$489,000	11,422
Provision for loan and lease losses	$26,000	7,298
Total noninterest income	$67,000	11,027
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$47,000	9,337
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,891
Total noninterest expense	$328,000	11,646
Salaries and employee benefits	$174,000	11,628
Premises and equipment expense	$41,000	11,355
Additional noninterest expense	$113,000	11,488
Pre-tax net operating income	$202,000	10,451
Securities gains (losses)	$-8,000	9,956
Applicable income taxes	$33,000	10,533
Income before extraordinary items	$161,000	10,357
Extraordinary gains, net	$0	65
Net income	$161,000	10,361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,275
Cash dividends	$220,000	5,246
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$167,640	10,266
1994-12-31 (YTD Data)		Rank
Total interest income	$741,000	12,143
Total interest expense	$311,000	11,991
Net interest income	$430,000	12,178
Provision for loan and lease losses	$0	9,146
Total noninterest income	$59,000	11,739
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$38,000	10,098
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,366
Total noninterest expense	$323,000	12,284
Salaries and employee benefits	$169,000	12,261
Premises and equipment expense	$39,000	12,012
Additional noninterest expense	$115,000	12,162
Pre-tax net operating income	$166,000	11,154
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$17,000	11,218
Income before extraordinary items	$151,000	10,807
Extraordinary gains, net	$0	249
Net income	$151,000	10,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$100,000	6,840
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$149,200	10,886
1993-12-31 (YTD Data)		Rank
Total interest income	$718,000	12,785
Total interest expense	$298,000	12,690
Net interest income	$420,000	12,761
Provision for loan and lease losses	$0	10,371
Total noninterest income	$48,000	12,596
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	10,537
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	12,609
Total noninterest expense	$335,000	12,875
Salaries and employee benefits	$182,000	12,759
Premises and equipment expense	$40,000	12,537
Additional noninterest expense	$113,000	12,829
Pre-tax net operating income	$133,000	11,609
Securities gains (losses)	$0	7,477
Applicable income taxes	$13,000	11,760
Income before extraordinary items	$120,000	11,568
Extraordinary gains, net	$0	3,149
Net income	$120,000	11,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$330,000	4,127
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$120,000	11,365
1992-12-31 (YTD Data)		Rank
Total interest income	$794,000	13,361
Total interest expense	$351,000	13,353
Net interest income	$443,000	13,256
Provision for loan and lease losses	$0	11,756
Total noninterest income	$51,000	13,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,924
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	12,822
Total noninterest expense	$323,000	13,496
Salaries and employee benefits	$188,000	13,267
Premises and equipment expense	$35,000	13,246
Additional noninterest expense	$100,000	13,523
Pre-tax net operating income	$171,000	11,328
Securities gains (losses)	$44,000	4,339
Applicable income taxes	$45,000	11,390
Income before extraordinary items	$170,000	10,995
Extraordinary gains, net	$0	1,422
Net income	$170,000	11,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	12,539
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$135,240	11,154

* 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.