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West River State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$980,000	9,411
Total interest expense	$406,000	9,406
Net interest income	$574,000	9,331
Provision for loan and lease losses	$10,000	7,963
Total noninterest income	$40,000	9,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	8,200
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	9,131
Total noninterest expense	$355,000	9,676
Salaries and employee benefits	$199,000	9,639
Premises and equipment expense	$44,000	9,476
Additional noninterest expense	$112,000	9,550
Pre-tax net operating income	$249,000	8,136
Securities gains (losses)	$0	1,956
Applicable income taxes	$92,000	6,616
Income before extraordinary items	$157,000	8,370
Extraordinary gains, net	$0	38
Net income	$157,000	8,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	9,115
Cash dividends	$50,000	6,383
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$157,000	8,368
1999-12-31 (YTD Data)		Rank
Total interest income	$1,821,000	8,695
Total interest expense	$804,000	8,663
Net interest income	$1,017,000	8,596
Provision for loan and lease losses	$55,000	6,383
Total noninterest income	$95,000	8,904
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	7,665
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,510
Total noninterest expense	$742,000	8,915
Salaries and employee benefits	$366,000	9,088
Premises and equipment expense	$104,000	8,553
Additional noninterest expense	$272,000	8,368
Pre-tax net operating income	$315,000	8,010
Securities gains (losses)	$-33,000	9,682
Applicable income taxes	$13,000	8,404
Income before extraordinary items	$269,000	7,798
Extraordinary gains, net	$0	35
Net income	$269,000	7,795
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	4,686
Cash dividends	$351,000	4,190
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$300,350	7,573
1998-12-31 (YTD Data)		Rank
Total interest income	$1,989,000	8,704
Total interest expense	$880,000	8,735
Net interest income	$1,109,000	8,556
Provision for loan and lease losses	$65,000	5,993
Total noninterest income	$78,000	9,386
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	7,935
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,291
Total noninterest expense	$735,000	8,995
Salaries and employee benefits	$381,000	9,085
Premises and equipment expense	$97,000	8,780
Additional noninterest expense	$257,000	8,537
Pre-tax net operating income	$385,000	7,955
Securities gains (losses)	$0	4,449
Applicable income taxes	$123,000	7,208
Income before extraordinary items	$264,000	8,151
Extraordinary gains, net	$0	32
Net income	$264,000	8,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,731
Cash dividends	$105,000	6,200
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$264,000	8,071
1997-12-31 (YTD Data)		Rank
Total interest income	$2,032,000	8,975
Total interest expense	$886,000	9,012
Net interest income	$1,146,000	8,816
Provision for loan and lease losses	$140,000	4,290
Total noninterest income	$98,000	9,463
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,175
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	8,910
Total noninterest expense	$774,000	9,130
Salaries and employee benefits	$406,000	9,227
Premises and equipment expense	$83,000	9,364
Additional noninterest expense	$285,000	8,477
Pre-tax net operating income	$330,000	8,819
Securities gains (losses)	$0	3,944
Applicable income taxes	$90,000	8,571
Income before extraordinary items	$240,000	8,832
Extraordinary gains, net	$0	44
Net income	$240,000	8,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	3,181
Cash dividends	$261,000	4,860
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$240,000	8,798
1996-12-31 (YTD Data)		Rank
Total interest income	$1,891,000	9,521
Total interest expense	$867,000	9,426
Net interest income	$1,024,000	9,491
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$142,000	9,141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,196
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,124
Total noninterest expense	$788,000	9,477
Salaries and employee benefits	$400,000	9,607
Premises and equipment expense	$88,000	9,600
Additional noninterest expense	$300,000	8,884
Pre-tax net operating income	$318,000	9,005
Securities gains (losses)	$0	4,148
Applicable income taxes	$90,000	8,931
Income before extraordinary items	$228,000	9,022
Extraordinary gains, net	$0	53
Net income	$228,000	9,026
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,913
Cash dividends	$189,000	5,604
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$228,000	8,962
1995-12-31 (YTD Data)		Rank
Total interest income	$1,794,000	10,035
Total interest expense	$788,000	9,988
Net interest income	$1,006,000	9,928
Provision for loan and lease losses	$0	8,958
Total noninterest income	$123,000	9,801
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	9,224
Total noninterest expense	$764,000	9,926
Salaries and employee benefits	$385,000	10,057
Premises and equipment expense	$90,000	9,917
Additional noninterest expense	$289,000	9,354
Pre-tax net operating income	$365,000	9,298
Securities gains (losses)	$0	3,831
Applicable income taxes	$125,000	8,715
Income before extraordinary items	$240,000	9,502
Extraordinary gains, net	$0	65
Net income	$240,000	9,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,953
Cash dividends	$248,000	5,038
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$240,000	9,487
1994-12-31 (YTD Data)		Rank
Total interest income	$1,604,000	10,517
Total interest expense	$632,000	10,445
Net interest income	$972,000	10,485
Provision for loan and lease losses	$0	9,146
Total noninterest income	$135,000	10,017
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,860
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	9,058
Total noninterest expense	$728,000	10,577
Salaries and employee benefits	$357,000	10,669
Premises and equipment expense	$83,000	10,557
Additional noninterest expense	$288,000	10,093
Pre-tax net operating income	$379,000	9,520
Securities gains (losses)	$-15,000	10,127
Applicable income taxes	$104,000	9,268
Income before extraordinary items	$260,000	9,586
Extraordinary gains, net	$0	249
Net income	$260,000	9,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,986
Cash dividends	$142,000	6,233
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$270,650	9,529
1993-12-31 (YTD Data)		Rank
Total interest income	$1,624,000	10,959
Total interest expense	$712,000	10,514
Net interest income	$912,000	11,121
Provision for loan and lease losses	$0	10,371
Total noninterest income	$147,000	10,263
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	8,912
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	9,332
Total noninterest expense	$728,000	11,027
Salaries and employee benefits	$341,000	11,238
Premises and equipment expense	$83,000	11,040
Additional noninterest expense	$304,000	10,399
Pre-tax net operating income	$331,000	9,974
Securities gains (losses)	$0	7,477
Applicable income taxes	$104,000	9,642
Income before extraordinary items	$227,000	10,311
Extraordinary gains, net	$0	3,149
Net income	$227,000	10,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	6,983
Cash dividends	$138,000	6,292
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$227,000	10,068
1992-12-31 (YTD Data)		Rank
Total interest income	$1,814,000	11,279
Total interest expense	$931,000	10,707
Net interest income	$883,000	11,580
Provision for loan and lease losses	$0	11,756
Total noninterest income	$127,000	11,002
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	9,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	10,461
Total noninterest expense	$745,000	11,280
Salaries and employee benefits	$332,000	11,642
Premises and equipment expense	$71,000	11,832
Additional noninterest expense	$342,000	10,296
Pre-tax net operating income	$265,000	10,470
Securities gains (losses)	$-6,000	13,123
Applicable income taxes	$66,000	10,825
Income before extraordinary items	$193,000	10,690
Extraordinary gains, net	$0	1,422
Net income	$193,000	10,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-32,000	13,317
Cash dividends	$77,000	7,084
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$197,500	10,299

* 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.