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Wilkinson County Savings Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,558,000	9,212
Total interest expense	$942,000	8,579
Net interest income	$616,000	9,692
Provision for loan and lease losses	$0	8,652
Total noninterest income	$130,000	8,543
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$130,000	6,008
Total noninterest expense	$591,000	9,469
Salaries and employee benefits	$321,000	9,495
Premises and equipment expense	$126,000	8,146
Additional noninterest expense	$144,000	9,718
Pre-tax net operating income	$155,000	9,147
Securities gains (losses)	$0	4,449
Applicable income taxes	$47,000	8,390
Income before extraordinary items	$108,000	9,290
Extraordinary gains, net	$0	32
Net income	$108,000	9,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,100
Cash dividends	$68,000	6,664
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$108,000	9,214
1997-12-31 (YTD Data)		Rank
Total interest income	$1,499,000	9,666
Total interest expense	$891,000	8,993
Net interest income	$608,000	10,166
Provision for loan and lease losses	$0	8,829
Total noninterest income	$129,000	8,910
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$129,000	6,088
Total noninterest expense	$543,000	9,965
Salaries and employee benefits	$328,000	9,750
Premises and equipment expense	$102,000	8,911
Additional noninterest expense	$113,000	10,417
Pre-tax net operating income	$194,000	9,606
Securities gains (losses)	$0	3,944
Applicable income taxes	$60,000	9,083
Income before extraordinary items	$134,000	9,739
Extraordinary gains, net	$0	44
Net income	$134,000	9,740
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,540
Cash dividends	$65,000	6,979
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$134,000	9,691
1996-12-31 (YTD Data)		Rank
Total interest income	$1,555,000	10,035
Total interest expense	$812,000	9,604
Net interest income	$743,000	10,270
Provision for loan and lease losses	$0	9,041
Total noninterest income	$115,000	9,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$115,000	6,735
Total noninterest expense	$662,000	9,947
Salaries and employee benefits	$311,000	10,266
Premises and equipment expense	$96,000	9,398
Additional noninterest expense	$255,000	9,341
Pre-tax net operating income	$196,000	9,811
Securities gains (losses)	$0	4,148
Applicable income taxes	$60,000	9,509
Income before extraordinary items	$136,000	9,927
Extraordinary gains, net	$0	53
Net income	$136,000	9,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$62,000	7,324
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$136,000	9,873
1995-12-31 (YTD Data)		Rank
Total interest income	$1,360,000	10,746
Total interest expense	$801,000	9,938
Net interest income	$559,000	11,242
Provision for loan and lease losses	$0	8,958
Total noninterest income	$107,000	10,118
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$107,000	7,021
Total noninterest expense	$520,000	10,941
Salaries and employee benefits	$293,000	10,811
Premises and equipment expense	$88,000	9,975
Additional noninterest expense	$139,000	11,195
Pre-tax net operating income	$146,000	10,795
Securities gains (losses)	$9,000	2,462
Applicable income taxes	$34,000	10,512
Income before extraordinary items	$121,000	10,735
Extraordinary gains, net	$0	65
Net income	$121,000	10,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$65,000	7,478
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$113,980	10,774
1994-12-31 (YTD Data)		Rank
Total interest income	$1,300,000	11,132
Total interest expense	$724,000	9,969
Net interest income	$576,000	11,779
Provision for loan and lease losses	$-33,000	11,915
Total noninterest income	$89,000	11,015
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$89,000	7,880
Total noninterest expense	$512,000	11,555
Salaries and employee benefits	$300,000	11,204
Premises and equipment expense	$82,000	10,584
Additional noninterest expense	$130,000	12,021
Pre-tax net operating income	$186,000	11,001
Securities gains (losses)	$0	3,600
Applicable income taxes	$30,000	10,923
Income before extraordinary items	$156,000	10,739
Extraordinary gains, net	$-9,000	12,500
Net income	$147,000	10,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$65,000	7,607
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$156,000	10,785
1993-12-31 (YTD Data)		Rank
Total interest income	$1,314,000	11,653
Total interest expense	$772,000	10,190
Net interest income	$542,000	12,422
Provision for loan and lease losses	$15,000	9,365
Total noninterest income	$145,000	10,311
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$145,000	6,670
Total noninterest expense	$492,000	12,207
Salaries and employee benefits	$270,000	11,976
Premises and equipment expense	$80,000	11,146
Additional noninterest expense	$142,000	12,518
Pre-tax net operating income	$180,000	11,215
Securities gains (losses)	$0	7,477
Applicable income taxes	$44,000	11,072
Income before extraordinary items	$136,000	11,381
Extraordinary gains, net	$0	3,149
Net income	$136,000	11,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	9,155
Cash dividends	$29,000	8,503
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$136,000	11,177
1992-12-31 (YTD Data)		Rank
Total interest income	$1,635,000	11,642
Total interest expense	$1,058,000	10,148
Net interest income	$577,000	12,819
Provision for loan and lease losses	$42,000	9,403
Total noninterest income	$132,000	10,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$132,000	7,114
Total noninterest expense	$472,000	12,794
Salaries and employee benefits	$262,000	12,472
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$138,000	13,118
Pre-tax net operating income	$195,000	11,118
Securities gains (losses)	$0	8,369
Applicable income taxes	$54,000	11,145
Income before extraordinary items	$141,000	11,404
Extraordinary gains, net	$0	1,422
Net income	$141,000	11,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$29,000	8,286
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$141,000	11,061

* 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.