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Walhalla State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,765,000	7,644
Total interest expense	$1,385,000	7,380
Net interest income	$1,380,000	7,688
Provision for loan and lease losses	$1,500,000	757
Total noninterest income	$212,000	7,147
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	7,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$164,000	5,264
Total noninterest expense	$1,154,000	7,613
Salaries and employee benefits	$528,000	8,108
Premises and equipment expense	$200,000	6,773
Additional noninterest expense	$426,000	6,957
Pre-tax net operating income	$-1,062,000	9,738
Securities gains (losses)	$-3,000	7,730
Applicable income taxes	$-76,000	9,546
Income before extraordinary items	$-989,000	9,724
Extraordinary gains, net	$0	38
Net income	$-989,000	9,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$455,000	1,329
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-986,210	9,729
1999-12-31 (YTD Data)		Rank
Total interest income	$2,535,000	7,872
Total interest expense	$1,150,000	7,776
Net interest income	$1,385,000	7,808
Provision for loan and lease losses	$590,000	1,545
Total noninterest income	$216,000	7,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	7,711
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	5,442
Total noninterest expense	$1,023,000	8,051
Salaries and employee benefits	$497,000	8,351
Premises and equipment expense	$185,000	7,053
Additional noninterest expense	$341,000	7,783
Pre-tax net operating income	$-12,000	9,439
Securities gains (losses)	$-2,000	8,771
Applicable income taxes	$-5,000	9,635
Income before extraordinary items	$-9,000	9,455
Extraordinary gains, net	$0	35
Net income	$-9,000	9,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$578,000	1,087
Cash dividends	$68,000	6,429
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-7,720	9,429
1998-12-31 (YTD Data)		Rank
Total interest income	$2,685,000	7,883
Total interest expense	$1,223,000	7,847
Net interest income	$1,462,000	7,769
Provision for loan and lease losses	$370,000	2,196
Total noninterest income	$198,000	7,604
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	$126,000	6,085
Total noninterest expense	$1,116,000	7,777
Salaries and employee benefits	$523,000	8,215
Premises and equipment expense	$218,000	6,462
Additional noninterest expense	$375,000	7,429
Pre-tax net operating income	$174,000	9,043
Securities gains (losses)	$-8,000	10,162
Applicable income taxes	$9,000	9,103
Income before extraordinary items	$157,000	8,929
Extraordinary gains, net	$0	32
Net income	$157,000	8,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$447,000	1,383
Cash dividends	$148,000	5,838
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$164,600	8,813
1997-12-31 (YTD Data)		Rank
Total interest income	$2,636,000	8,207
Total interest expense	$1,203,000	8,103
Net interest income	$1,433,000	8,145
Provision for loan and lease losses	$365,000	2,234
Total noninterest income	$192,000	7,937
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	$123,000	6,211
Total noninterest expense	$1,005,000	8,328
Salaries and employee benefits	$490,000	8,682
Premises and equipment expense	$218,000	6,526
Additional noninterest expense	$297,000	8,349
Pre-tax net operating income	$255,000	9,261
Securities gains (losses)	$-4,000	9,548
Applicable income taxes	$103,000	8,351
Income before extraordinary items	$148,000	9,607
Extraordinary gains, net	$0	44
Net income	$148,000	9,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$293,000	1,987
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$150,560	9,541
1996-12-31 (YTD Data)		Rank
Total interest income	$2,854,000	8,203
Total interest expense	$1,267,000	8,196
Net interest income	$1,587,000	8,062
Provision for loan and lease losses	$191,000	3,529
Total noninterest income	$204,000	8,172
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	8,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	6,403
Total noninterest expense	$1,021,000	8,603
Salaries and employee benefits	$514,000	8,760
Premises and equipment expense	$212,000	6,822
Additional noninterest expense	$295,000	8,937
Pre-tax net operating income	$579,000	7,532
Securities gains (losses)	$8,000	2,673
Applicable income taxes	$164,000	7,668
Income before extraordinary items	$423,000	7,430
Extraordinary gains, net	$0	53
Net income	$423,000	7,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	3,258
Cash dividends	$165,000	5,822
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$417,240	7,421
1995-12-31 (YTD Data)		Rank
Total interest income	$2,802,000	8,495
Total interest expense	$1,318,000	8,220
Net interest income	$1,484,000	8,576
Provision for loan and lease losses	$72,000	5,348
Total noninterest income	$201,000	8,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	8,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	6,698
Total noninterest expense	$934,000	9,242
Salaries and employee benefits	$484,000	9,252
Premises and equipment expense	$150,000	8,275
Additional noninterest expense	$300,000	9,239
Pre-tax net operating income	$679,000	7,423
Securities gains (losses)	$-17,000	10,458
Applicable income taxes	$180,000	7,774
Income before extraordinary items	$482,000	7,386
Extraordinary gains, net	$0	65
Net income	$482,000	7,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,241
Cash dividends	$195,000	5,612
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$494,410	7,269
1994-12-31 (YTD Data)		Rank
Total interest income	$2,370,000	9,132
Total interest expense	$910,000	9,087
Net interest income	$1,460,000	8,990
Provision for loan and lease losses	$69,000	5,368
Total noninterest income	$221,000	8,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	6,348
Total noninterest expense	$933,000	9,619
Salaries and employee benefits	$475,000	9,617
Premises and equipment expense	$153,000	8,471
Additional noninterest expense	$305,000	9,905
Pre-tax net operating income	$679,000	7,527
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$187,000	7,575
Income before extraordinary items	$486,000	7,416
Extraordinary gains, net	$0	249
Net income	$486,000	7,421
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$195,000	5,579
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$490,320	7,419
1993-12-31 (YTD Data)		Rank
Total interest income	$2,223,000	9,733
Total interest expense	$833,000	9,874
Net interest income	$1,390,000	9,451
Provision for loan and lease losses	$100,000	5,727
Total noninterest income	$255,000	8,291
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$184,000	5,928
Total noninterest expense	$926,000	10,077
Salaries and employee benefits	$457,000	10,073
Premises and equipment expense	$151,000	8,878
Additional noninterest expense	$318,000	10,214
Pre-tax net operating income	$619,000	7,821
Securities gains (losses)	$9,000	5,582
Applicable income taxes	$193,000	7,749
Income before extraordinary items	$435,000	8,103
Extraordinary gains, net	$36,000	2,367
Net income	$471,000	7,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	4,582
Cash dividends	$195,000	5,540
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$428,790	7,883
1992-12-31 (YTD Data)		Rank
Total interest income	$2,227,000	10,421
Total interest expense	$970,000	10,530
Net interest income	$1,257,000	10,105
Provision for loan and lease losses	$150,000	6,067
Total noninterest income	$189,000	9,628
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	7,163
Total noninterest expense	$893,000	10,521
Salaries and employee benefits	$439,000	10,413
Premises and equipment expense	$148,000	9,172
Additional noninterest expense	$306,000	10,744
Pre-tax net operating income	$403,000	9,222
Securities gains (losses)	$0	8,369
Applicable income taxes	$124,000	9,259
Income before extraordinary items	$279,000	9,558
Extraordinary gains, net	$0	1,422
Net income	$279,000	9,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	6,844
Cash dividends	$180,000	5,316
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$279,000	9,194

* 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.