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Walburg State Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$4,824,000	5,691
Total interest expense	$2,012,000	5,979
Net interest income	$2,812,000	5,415
Provision for loan and lease losses	$80,000	5,643
Total noninterest income	$388,000	5,720
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$334,000	3,688
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	7,918
Total noninterest expense	$2,205,000	5,318
Salaries and employee benefits	$971,000	5,998
Premises and equipment expense	$178,000	7,166
Additional noninterest expense	$1,056,000	3,836
Pre-tax net operating income	$915,000	5,568
Securities gains (losses)	$0	3,155
Applicable income taxes	$463,000	3,787
Income before extraordinary items	$452,000	6,685
Extraordinary gains, net	$0	35
Net income	$452,000	6,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,619
Cash dividends	$700,000	2,895
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$452,000	6,665
1998-12-31 (YTD Data)		Rank
Total interest income	$821,000	10,003
Total interest expense	$350,000	9,979
Net interest income	$471,000	9,971
Provision for loan and lease losses	$16,000	7,917
Total noninterest income	$58,000	9,719
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	8,188
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	9,789
Total noninterest expense	$398,000	10,060
Salaries and employee benefits	$209,000	10,069
Premises and equipment expense	$19,000	10,320
Additional noninterest expense	$170,000	9,462
Pre-tax net operating income	$115,000	9,342
Securities gains (losses)	$0	4,449
Applicable income taxes	$51,000	8,309
Income before extraordinary items	$64,000	9,544
Extraordinary gains, net	$0	32
Net income	$64,000	9,543
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,204
Cash dividends	$2,000,000	1,312
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$64,000	9,480
1997-12-31 (YTD Data)		Rank
Total interest income	$3,920,000	6,731
Total interest expense	$1,497,000	7,354
Net interest income	$2,423,000	6,172
Provision for loan and lease losses	$40,000	7,002
Total noninterest income	$348,000	6,187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$262,000	4,497
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	7,197
Total noninterest expense	$1,279,000	7,411
Salaries and employee benefits	$747,000	7,040
Premises and equipment expense	$118,000	8,544
Additional noninterest expense	$414,000	7,236
Pre-tax net operating income	$1,452,000	4,612
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$498,000	4,222
Income before extraordinary items	$957,000	4,855
Extraordinary gains, net	$0	44
Net income	$957,000	4,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,964
Cash dividends	$66,000	6,967
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$955,020	4,803
1996-12-31 (YTD Data)		Rank
Total interest income	$3,512,000	7,378
Total interest expense	$1,333,000	8,010
Net interest income	$2,179,000	6,806
Provision for loan and lease losses	$139,000	4,278
Total noninterest income	$312,000	6,804
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$246,000	4,884
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	8,243
Total noninterest expense	$1,104,000	8,318
Salaries and employee benefits	$632,000	7,942
Premises and equipment expense	$76,000	9,922
Additional noninterest expense	$396,000	7,911
Pre-tax net operating income	$1,248,000	4,991
Securities gains (losses)	$7,000	2,762
Applicable income taxes	$431,000	4,652
Income before extraordinary items	$824,000	5,200
Extraordinary gains, net	$0	53
Net income	$824,000	5,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,188
Cash dividends	$61,000	7,334
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$819,380	5,158
1995-12-31 (YTD Data)		Rank
Total interest income	$2,943,000	8,291
Total interest expense	$1,070,000	9,000
Net interest income	$1,873,000	7,595
Provision for loan and lease losses	$250,000	2,552
Total noninterest income	$314,000	6,924
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$257,000	4,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	8,889
Total noninterest expense	$1,000,000	8,952
Salaries and employee benefits	$584,000	8,466
Premises and equipment expense	$73,000	10,394
Additional noninterest expense	$343,000	8,763
Pre-tax net operating income	$937,000	6,255
Securities gains (losses)	$23,000	1,804
Applicable income taxes	$282,000	6,229
Income before extraordinary items	$678,000	6,128
Extraordinary gains, net	$0	65
Net income	$678,000	6,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$323,000	1,854
Cash dividends	$64,000	7,502
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$661,670	6,216
1994-12-31 (YTD Data)		Rank
Total interest income	$2,419,000	9,058
Total interest expense	$767,000	9,767
Net interest income	$1,652,000	8,446
Provision for loan and lease losses	$84,000	4,941
Total noninterest income	$326,000	6,943
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$257,000	4,939
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,689
Total noninterest expense	$873,000	9,893
Salaries and employee benefits	$490,000	9,490
Premises and equipment expense	$61,000	11,267
Additional noninterest expense	$322,000	9,691
Pre-tax net operating income	$1,021,000	5,867
Securities gains (losses)	$10,000	2,219
Applicable income taxes	$379,000	4,948
Income before extraordinary items	$652,000	6,206
Extraordinary gains, net	$0	249
Net income	$652,000	6,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	11,116
Cash dividends	$51,000	7,890
Sale, conversion, retirement of capital stock, net	$80,000	849
Net operating income	$645,600	6,317
1993-12-31 (YTD Data)		Rank
Total interest income	$2,063,000	10,052
Total interest expense	$710,000	10,525
Net interest income	$1,353,000	9,566
Provision for loan and lease losses	$129,000	5,042
Total noninterest income	$380,000	6,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$273,000	4,780
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	7,658
Total noninterest expense	$820,000	10,565
Salaries and employee benefits	$429,000	10,344
Premises and equipment expense	$69,000	11,541
Additional noninterest expense	$322,000	10,168
Pre-tax net operating income	$784,000	6,899
Securities gains (losses)	$71,000	2,955
Applicable income taxes	$280,000	6,335
Income before extraordinary items	$575,000	6,975
Extraordinary gains, net	$0	3,149
Net income	$575,000	7,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	4,894
Cash dividends	$39,000	8,269
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$527,430	7,075
1992-12-31 (YTD Data)		Rank
Total interest income	$1,769,000	11,374
Total interest expense	$695,000	11,841
Net interest income	$1,074,000	10,795
Provision for loan and lease losses	$192,000	5,326
Total noninterest income	$589,000	5,027
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$251,000	5,114
Trading account gains and fees	NA	NA
Additional Noninterest Income	$338,000	4,117
Total noninterest expense	$698,000	11,526
Salaries and employee benefits	$314,000	11,857
Premises and equipment expense	$101,000	10,706
Additional noninterest expense	$283,000	11,085
Pre-tax net operating income	$773,000	6,695
Securities gains (losses)	$-90,000	13,768
Applicable income taxes	$244,000	6,757
Income before extraordinary items	$439,000	7,841
Extraordinary gains, net	$0	1,422
Net income	$439,000	7,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$215,000	4,039
Cash dividends	$21,000	8,450
Sale, conversion, retirement of capital stock, net	$105,000	818
Net operating income	$496,600	6,978

* 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.