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Wauneta Falls Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,517,000	8,078
Total interest expense	$1,127,000	8,086
Net interest income	$1,390,000	7,930
Provision for loan and lease losses	$141,000	4,306
Total noninterest income	$97,000	9,070
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	7,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,566
Total noninterest expense	$778,000	8,846
Salaries and employee benefits	$450,000	8,654
Premises and equipment expense	$99,000	8,732
Additional noninterest expense	$229,000	8,801
Pre-tax net operating income	$568,000	7,069
Securities gains (losses)	$0	4,449
Applicable income taxes	$225,000	5,892
Income before extraordinary items	$343,000	7,576
Extraordinary gains, net	$0	32
Net income	$343,000	7,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,101
Cash dividends	$355,000	4,227
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$343,000	7,494
1997-12-31 (YTD Data)		Rank
Total interest income	$2,515,000	8,355
Total interest expense	$1,163,000	8,223
Net interest income	$1,352,000	8,349
Provision for loan and lease losses	$4,000	8,695
Total noninterest income	$104,000	9,335
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	7,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,798
Total noninterest expense	$775,000	9,125
Salaries and employee benefits	$410,000	9,195
Premises and equipment expense	$116,000	8,589
Additional noninterest expense	$249,000	8,860
Pre-tax net operating income	$677,000	7,072
Securities gains (losses)	$0	3,944
Applicable income taxes	$235,000	6,427
Income before extraordinary items	$442,000	7,365
Extraordinary gains, net	$0	44
Net income	$442,000	7,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,408
Cash dividends	$630,000	2,973
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$442,000	7,313
1996-12-31 (YTD Data)		Rank
Total interest income	$2,377,000	8,862
Total interest expense	$1,115,000	8,645
Net interest income	$1,262,000	8,857
Provision for loan and lease losses	$22,000	7,876
Total noninterest income	$98,000	9,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	10,581
Total noninterest expense	$897,000	9,066
Salaries and employee benefits	$483,000	9,011
Premises and equipment expense	$129,000	8,550
Additional noninterest expense	$285,000	9,039
Pre-tax net operating income	$441,000	8,270
Securities gains (losses)	$0	4,148
Applicable income taxes	$138,000	8,066
Income before extraordinary items	$303,000	8,396
Extraordinary gains, net	$0	53
Net income	$303,000	8,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,694
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$303,000	8,341
1995-12-31 (YTD Data)		Rank
Total interest income	$1,978,000	9,748
Total interest expense	$873,000	9,722
Net interest income	$1,105,000	9,610
Provision for loan and lease losses	$13,000	8,094
Total noninterest income	$72,000	10,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	11,328
Total noninterest expense	$681,000	10,259
Salaries and employee benefits	$371,000	10,161
Premises and equipment expense	$97,000	9,693
Additional noninterest expense	$213,000	10,266
Pre-tax net operating income	$483,000	8,532
Securities gains (losses)	$0	3,831
Applicable income taxes	$174,000	7,859
Income before extraordinary items	$309,000	8,846
Extraordinary gains, net	$0	65
Net income	$309,000	8,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$96,000	6,925
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$309,000	8,813
1994-12-31 (YTD Data)		Rank
Total interest income	$1,650,000	10,437
Total interest expense	$624,000	10,493
Net interest income	$1,026,000	10,310
Provision for loan and lease losses	$0	9,146
Total noninterest income	$128,000	10,141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	9,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	8,247
Total noninterest expense	$686,000	10,762
Salaries and employee benefits	$371,000	10,540
Premises and equipment expense	$94,000	10,216
Additional noninterest expense	$221,000	10,880
Pre-tax net operating income	$460,000	8,917
Securities gains (losses)	$4,000	2,755
Applicable income taxes	$165,000	8,021
Income before extraordinary items	$299,000	9,157
Extraordinary gains, net	$0	249
Net income	$299,000	9,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	11,116
Cash dividends	$271,000	4,743
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$296,440	9,248
1993-12-31 (YTD Data)		Rank
Total interest income	$1,454,000	11,337
Total interest expense	$575,000	11,285
Net interest income	$879,000	11,240
Provision for loan and lease losses	$-21,000	12,590
Total noninterest income	$52,000	12,494
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	10,450
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$589,000	11,707
Salaries and employee benefits	$305,000	11,596
Premises and equipment expense	$88,000	10,858
Additional noninterest expense	$196,000	11,788
Pre-tax net operating income	$363,000	9,704
Securities gains (losses)	$0	7,477
Applicable income taxes	$123,000	9,238
Income before extraordinary items	$240,000	10,158
Extraordinary gains, net	$7,000	3,012
Net income	$247,000	10,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	11,961
Cash dividends	$86,000	7,203
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$240,000	9,913
1992-12-31 (YTD Data)		Rank
Total interest income	$1,333,000	12,324
Total interest expense	$564,000	12,464
Net interest income	$769,000	12,033
Provision for loan and lease losses	$-19,000	13,519
Total noninterest income	$45,000	13,226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,873
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	13,358
Total noninterest expense	$487,000	12,703
Salaries and employee benefits	$268,000	12,386
Premises and equipment expense	$53,000	12,576
Additional noninterest expense	$166,000	12,710
Pre-tax net operating income	$346,000	9,729
Securities gains (losses)	$10,000	6,439
Applicable income taxes	$116,000	9,484
Income before extraordinary items	$240,000	10,044
Extraordinary gains, net	$0	1,422
Net income	$240,000	10,198
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	12,939
Cash dividends	$21,000	8,450
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$233,300	9,779

* 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.