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Winona Savings Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$2,116,000	8,534
Total interest expense	$836,000	8,840
Net interest income	$1,280,000	8,164
Provision for loan and lease losses	$220,000	3,309
Total noninterest income	$110,000	8,845
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	7,455
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,655
Total noninterest expense	$771,000	8,868
Salaries and employee benefits	$440,000	8,707
Premises and equipment expense	$103,000	8,641
Additional noninterest expense	$228,000	8,812
Pre-tax net operating income	$399,000	7,884
Securities gains (losses)	$34,000	2,031
Applicable income taxes	$122,000	7,223
Income before extraordinary items	$311,000	7,792
Extraordinary gains, net	$0	32
Net income	$311,000	7,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,370
Cash dividends	$2,400,000	1,159
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$286,520	7,914
1997-12-31 (YTD Data)		Rank
Total interest income	$2,105,000	8,882
Total interest expense	$827,000	9,178
Net interest income	$1,278,000	8,513
Provision for loan and lease losses	$473,000	1,864
Total noninterest income	$121,000	9,049
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	$52,000	8,342
Total noninterest expense	$724,000	9,315
Salaries and employee benefits	$414,000	9,169
Premises and equipment expense	$93,000	9,130
Additional noninterest expense	$217,000	9,200
Pre-tax net operating income	$202,000	9,568
Securities gains (losses)	$14,000	2,133
Applicable income taxes	$20,000	9,723
Income before extraordinary items	$196,000	9,191
Extraordinary gains, net	$0	44
Net income	$196,000	9,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$403,000	1,586
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$183,260	9,264
1996-12-31 (YTD Data)		Rank
Total interest income	$2,040,000	9,320
Total interest expense	$798,000	9,652
Net interest income	$1,242,000	8,927
Provision for loan and lease losses	$184,000	3,596
Total noninterest income	$127,000	9,407
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	$56,000	8,626
Total noninterest expense	$648,000	9,997
Salaries and employee benefits	$390,000	9,667
Premises and equipment expense	$80,000	9,811
Additional noninterest expense	$178,000	10,199
Pre-tax net operating income	$537,000	7,741
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$169,000	7,593
Income before extraordinary items	$369,000	7,867
Extraordinary gains, net	$0	53
Net income	$369,000	7,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	2,887
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$368,310	7,810
1995-12-31 (YTD Data)		Rank
Total interest income	$1,878,000	9,915
Total interest expense	$732,000	10,186
Net interest income	$1,146,000	9,493
Provision for loan and lease losses	$136,000	3,832
Total noninterest income	$104,000	10,184
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,621
Total noninterest expense	$683,000	10,254
Salaries and employee benefits	$420,000	9,794
Premises and equipment expense	$74,000	10,376
Additional noninterest expense	$189,000	10,557
Pre-tax net operating income	$431,000	8,863
Securities gains (losses)	$-17,000	10,458
Applicable income taxes	$93,000	9,312
Income before extraordinary items	$321,000	8,731
Extraordinary gains, net	$0	65
Net income	$321,000	8,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	3,012
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$334,260	8,587
1994-12-31 (YTD Data)		Rank
Total interest income	$1,767,000	10,235
Total interest expense	$618,000	10,516
Net interest income	$1,149,000	9,914
Provision for loan and lease losses	$164,000	3,426
Total noninterest income	$124,000	10,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	10,401
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,607
Total noninterest expense	$643,000	10,930
Salaries and employee benefits	$372,000	10,529
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$217,000	10,931
Pre-tax net operating income	$466,000	8,884
Securities gains (losses)	$-21,000	10,372
Applicable income taxes	$126,000	8,792
Income before extraordinary items	$319,000	8,952
Extraordinary gains, net	$0	249
Net income	$319,000	8,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	3,040
Cash dividends	$6,000	8,845
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$334,120	8,839
1993-12-31 (YTD Data)		Rank
Total interest income	$1,709,000	10,787
Total interest expense	$661,000	10,819
Net interest income	$1,048,000	10,603
Provision for loan and lease losses	$98,000	5,836
Total noninterest income	$166,000	9,890
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	$83,000	8,496
Total noninterest expense	$645,000	11,403
Salaries and employee benefits	$345,000	11,200
Premises and equipment expense	$74,000	11,370
Additional noninterest expense	$226,000	11,382
Pre-tax net operating income	$471,000	8,852
Securities gains (losses)	$18,000	4,806
Applicable income taxes	$127,000	9,151
Income before extraordinary items	$362,000	8,816
Extraordinary gains, net	$0	3,149
Net income	$362,000	8,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	4,303
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$348,680	8,697
1992-12-31 (YTD Data)		Rank
Total interest income	$1,589,000	11,753
Total interest expense	$626,000	12,172
Net interest income	$963,000	11,237
Provision for loan and lease losses	$37,000	9,631
Total noninterest income	$120,000	11,191
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,657
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	10,222
Total noninterest expense	$580,000	12,176
Salaries and employee benefits	$294,000	12,082
Premises and equipment expense	$56,000	12,452
Additional noninterest expense	$230,000	11,810
Pre-tax net operating income	$466,000	8,668
Securities gains (losses)	$25,000	5,285
Applicable income taxes	$144,000	8,775
Income before extraordinary items	$347,000	8,757
Extraordinary gains, net	$0	1,422
Net income	$347,000	8,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	8,022
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$329,250	8,581

* 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.