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West Branch State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,838,000	8,228
Total interest expense	$1,498,000	7,577
Net interest income	$1,340,000	8,666
Provision for loan and lease losses	$0	9,041
Total noninterest income	$233,000	7,811
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	8,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	5,740
Total noninterest expense	$910,000	9,027
Salaries and employee benefits	$589,000	8,208
Premises and equipment expense	$84,000	9,709
Additional noninterest expense	$237,000	9,540
Pre-tax net operating income	$663,000	7,100
Securities gains (losses)	$0	4,148
Applicable income taxes	$192,000	7,254
Income before extraordinary items	$471,000	7,101
Extraordinary gains, net	$0	53
Net income	$471,000	7,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$230,000	5,146
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$471,000	7,045
1995-12-31 (YTD Data)		Rank
Total interest income	$2,665,000	8,690
Total interest expense	$1,360,000	8,089
Net interest income	$1,305,000	9,056
Provision for loan and lease losses	$0	8,958
Total noninterest income	$168,000	8,993
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	8,644
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	7,273
Total noninterest expense	$976,000	9,052
Salaries and employee benefits	$569,000	8,570
Premises and equipment expense	$124,000	8,943
Additional noninterest expense	$283,000	9,437
Pre-tax net operating income	$497,000	8,453
Securities gains (losses)	$-69,000	11,337
Applicable income taxes	$120,000	8,792
Income before extraordinary items	$308,000	8,859
Extraordinary gains, net	$0	65
Net income	$308,000	8,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-42,000	11,395
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$357,680	8,394
1994-12-31 (YTD Data)		Rank
Total interest income	$2,256,000	9,329
Total interest expense	$1,097,000	8,297
Net interest income	$1,159,000	9,869
Provision for loan and lease losses	$0	9,146
Total noninterest income	$332,000	6,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$259,000	4,483
Total noninterest expense	$913,000	9,714
Salaries and employee benefits	$557,000	8,909
Premises and equipment expense	$108,000	9,773
Additional noninterest expense	$248,000	10,547
Pre-tax net operating income	$578,000	8,133
Securities gains (losses)	$-20,000	10,331
Applicable income taxes	$73,000	9,966
Income before extraordinary items	$485,000	7,427
Extraordinary gains, net	$0	249
Net income	$485,000	7,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	11,643
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$-123,000	12,512
Net operating income	$502,400	7,326
1993-12-31 (YTD Data)		Rank
Total interest income	$2,266,000	9,639
Total interest expense	$1,105,000	8,661
Net interest income	$1,161,000	10,193
Provision for loan and lease losses	$-150,000	12,974
Total noninterest income	$401,000	6,468
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,435
Trading account gains and fees	NA	NA
Additional Noninterest Income	$334,000	4,215
Total noninterest expense	$828,000	10,532
Salaries and employee benefits	$471,000	9,946
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$270,000	10,824
Pre-tax net operating income	$884,000	6,407
Securities gains (losses)	$5,000	6,132
Applicable income taxes	$106,000	9,601
Income before extraordinary items	$783,000	5,654
Extraordinary gains, net	$0	3,149
Net income	$783,000	5,795
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-168,000	13,075
Cash dividends	$80,000	7,275
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$778,600	5,449
1992-12-31 (YTD Data)		Rank
Total interest income	$2,427,000	10,047
Total interest expense	$1,370,000	8,961
Net interest income	$1,057,000	10,866
Provision for loan and lease losses	$0	11,756
Total noninterest income	$336,000	7,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	9,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$268,000	4,748
Total noninterest expense	$862,000	10,698
Salaries and employee benefits	$443,000	10,380
Premises and equipment expense	$74,000	11,720
Additional noninterest expense	$345,000	10,262
Pre-tax net operating income	$531,000	8,198
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$220,000	7,182
Income before extraordinary items	$320,000	9,041
Extraordinary gains, net	$176,000	488
Net income	$496,000	7,460
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,000	4,417
Cash dividends	$75,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$314,240	8,741

* 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.