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Wabasha County Bank, Income and Expense

2003-12-31 (YTD Data)Rank
Total interest income$1,018,0008,567
Total interest expense$299,0008,455
Net interest income$719,0008,529
Provision for loan and lease losses$07,651
Total noninterest income$79,0008,516
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$72,0007,052
Trading account gains and fees$0160
Additional Noninterest Income$7,0008,858
Total noninterest expense$304,0009,069
Salaries and employee benefits$136,0009,087
Premises and equipment expense$40,0008,901
Additional noninterest expense$128,0008,872
Pre-tax net operating income$494,0006,700
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$494,0006,362
Extraordinary gains, net$054
Net income$494,0006,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,260
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$494,0006,213
2003-09-30 (YTD Data)Rank
Total interest income$768,0008,647
Total interest expense$229,0008,549
Net interest income$539,0008,602
Provision for loan and lease losses$07,481
Total noninterest income$60,0008,568
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$52,0007,162
Trading account gains and fees$0153
Additional Noninterest Income$8,0008,801
Total noninterest expense$249,0009,095
Salaries and employee benefits$101,0009,143
Premises and equipment expense$39,0008,772
Additional noninterest expense$109,0008,822
Pre-tax net operating income$350,0006,950
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$350,0006,662
Extraordinary gains, net$040
Net income$350,0006,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,999
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$350,0006,478
2003-06-30 (YTD Data)Rank
Total interest income$524,0008,676
Total interest expense$156,0008,607
Net interest income$368,0008,611
Provision for loan and lease losses$07,324
Total noninterest income$39,0008,598
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$34,0007,172
Trading account gains and fees$0150
Additional Noninterest Income$5,0008,823
Total noninterest expense$154,0009,150
Salaries and employee benefits$68,0009,179
Premises and equipment expense$26,0008,793
Additional noninterest expense$60,0008,969
Pre-tax net operating income$253,0006,823
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$253,0006,498
Extraordinary gains, net$030
Net income$253,0006,498
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,782
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$253,0006,297
2003-03-31 (YTD Data)Rank
Total interest income$245,0008,799
Total interest expense$80,0008,674
Net interest income$165,0008,764
Provision for loan and lease losses$06,934
Total noninterest income$19,0008,654
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$15,0007,293
Trading account gains and fees$0134
Additional Noninterest Income$4,0008,607
Total noninterest expense$57,0009,247
Salaries and employee benefits$32,0009,230
Premises and equipment expense$5,0009,168
Additional noninterest expense$20,0009,182
Pre-tax net operating income$127,0006,803
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$127,0006,427
Extraordinary gains, net$021
Net income$127,0006,426
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$127,0006,246
2002-12-31 (YTD Data)Rank
Total interest income$1,090,0008,775
Total interest expense$380,0008,709
Net interest income$710,0008,725
Provision for loan and lease losses$78,0006,121
Total noninterest income$107,0008,315
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$59,0007,370
Trading account gains and fees$0153
Additional Noninterest Income$48,0007,649
Total noninterest expense$270,0009,267
Salaries and employee benefits$150,0009,239
Premises and equipment expense$32,0009,145
Additional noninterest expense$88,0009,208
Pre-tax net operating income$469,0006,892
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$469,0006,537
Extraordinary gains, net$070
Net income$469,0006,536
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0004,280
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$469,0006,401
2001-12-31 (YTD Data)Rank
Total interest income$1,267,0008,936
Total interest expense$637,0008,748
Net interest income$630,0008,982
Provision for loan and lease losses$75,0006,076
Total noninterest income$101,0008,502
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$54,0007,519
Trading account gains and fees$0177
Additional Noninterest Income$47,0007,763
Total noninterest expense$283,0009,503
Salaries and employee benefits$137,0009,507
Premises and equipment expense$36,0009,346
Additional noninterest expense$110,0009,317
Pre-tax net operating income$373,0007,094
Securities gains (losses)$04,612
Applicable income taxes$43,0006,831
Income before extraordinary items$330,0006,951
Extraordinary gains, net$0105
Net income$330,0006,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0005,124
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$330,0006,831
2000-12-31 (YTD Data)Rank
Total interest income$1,290,0009,164
Total interest expense$731,0008,788
Net interest income$559,0009,350
Provision for loan and lease losses$38,0006,945
Total noninterest income$106,0008,514
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0007,570
Trading account gains and feesNANA
Additional Noninterest Income$54,0007,661
Total noninterest expense$269,0009,794
Salaries and employee benefits$142,0009,771
Premises and equipment expense$36,0009,597
Additional noninterest expense$91,0009,691
Pre-tax net operating income$358,0007,650
Securities gains (losses)$01,956
Applicable income taxes$24,0007,748
Income before extraordinary items$334,0007,266
Extraordinary gains, net$038
Net income$334,0007,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,747
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$334,0007,262
1999-12-31 (YTD Data)Rank
Total interest income$716,0009,837
Total interest expense$333,0009,754
Net interest income$383,0009,845
Provision for loan and lease losses$71,0005,896
Total noninterest income$96,0008,881
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,0008,320
Trading account gains and feesNANA
Additional Noninterest Income$67,0007,520
Total noninterest expense$257,00010,107
Salaries and employee benefits$149,00010,044
Premises and equipment expense$21,00010,076
Additional noninterest expense$87,00010,006
Pre-tax net operating income$151,0008,800
Securities gains (losses)$03,155
Applicable income taxes$22,0008,180
Income before extraordinary items$129,0008,789
Extraordinary gains, net$035
Net income$129,0008,786
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$129,0008,751
1998-12-31 (YTD Data)Rank
Total interest income$88,00010,415
Total interest expense$30,00010,363
Net interest income$58,00010,412
Provision for loan and lease losses$30,0007,298
Total noninterest income$14,00010,263
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,0009,010
Trading account gains and feesNANA
Additional Noninterest Income$12,0009,880
Total noninterest expense$108,00010,432
Salaries and employee benefits$40,00010,432
Premises and equipment expense$9,00010,397
Additional noninterest expense$59,00010,355
Pre-tax net operating income$-66,0009,893
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-66,0009,922
Extraordinary gains, net$032
Net income$-66,0009,920
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$2,000,000377
Net operating income$-66,0009,882

* 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.