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Winterset State Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$2,273,000	7,972
Total interest expense	$963,000	8,098
Net interest income	$1,310,000	7,676
Provision for loan and lease losses	$-71,000	9,518
Total noninterest income	$301,000	6,422
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$136,000	5,999
Trading account gains and fees	$0	177
Additional Noninterest Income	$165,000	5,332
Total noninterest expense	$1,296,000	7,235
Salaries and employee benefits	$493,000	8,214
Premises and equipment expense	$155,000	7,436
Additional noninterest expense	$648,000	5,562
Pre-tax net operating income	$386,000	7,040
Securities gains (losses)	$0	4,612
Applicable income taxes	$18,000	7,372
Income before extraordinary items	$368,000	6,746
Extraordinary gains, net	$0	105
Net income	$368,000	6,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,241
Cash dividends	$225,000	4,827
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$368,000	6,620
2000-12-31 (YTD Data)		Rank
Total interest income	$2,630,000	7,777
Total interest expense	$1,249,000	7,702
Net interest income	$1,381,000	7,686
Provision for loan and lease losses	$-15,000	9,712
Total noninterest income	$216,000	7,108
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	6,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	6,440
Total noninterest expense	$1,319,000	7,195
Salaries and employee benefits	$581,000	7,800
Premises and equipment expense	$169,000	7,263
Additional noninterest expense	$569,000	5,965
Pre-tax net operating income	$293,000	7,926
Securities gains (losses)	$-11,000	8,394
Applicable income taxes	$36,000	7,478
Income before extraordinary items	$246,000	7,805
Extraordinary gains, net	$0	38
Net income	$246,000	7,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,868
Cash dividends	$500,000	3,528
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$255,570	7,739
1999-12-31 (YTD Data)		Rank
Total interest income	$1,674,000	8,868
Total interest expense	$744,000	8,835
Net interest income	$930,000	8,791
Provision for loan and lease losses	$0	8,503
Total noninterest income	$212,000	7,355
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	7,021
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	6,013
Total noninterest expense	$952,000	8,262
Salaries and employee benefits	$437,000	8,687
Premises and equipment expense	$109,000	8,449
Additional noninterest expense	$406,000	7,213
Pre-tax net operating income	$190,000	8,630
Securities gains (losses)	$-126,000	9,987
Applicable income taxes	$0	8,765
Income before extraordinary items	$64,000	9,172
Extraordinary gains, net	$0	35
Net income	$64,000	9,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	9,726
Cash dividends	$1,350,000	1,816
Sale, conversion, retirement of capital stock, net	$3,621,000	322
Net operating income	$190,000	8,343
1998-12-31 (YTD Data)		Rank
Total interest income	$1,935,000	8,762
Total interest expense	$861,000	8,787
Net interest income	$1,074,000	8,623
Provision for loan and lease losses	$0	8,652
Total noninterest income	$336,000	6,139
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	6,582
Trading account gains and fees	NA	NA
Additional Noninterest Income	$222,000	4,695
Total noninterest expense	$762,000	8,895
Salaries and employee benefits	$454,000	8,633
Premises and equipment expense	$88,000	8,979
Additional noninterest expense	$220,000	8,898
Pre-tax net operating income	$648,000	6,691
Securities gains (losses)	$0	4,449
Applicable income taxes	$188,000	6,318
Income before extraordinary items	$460,000	6,852
Extraordinary gains, net	$0	32
Net income	$460,000	6,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$2,000	7,457
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$460,000	6,745
1997-12-31 (YTD Data)		Rank
Total interest income	$2,029,000	8,977
Total interest expense	$841,000	9,134
Net interest income	$1,188,000	8,707
Provision for loan and lease losses	$0	8,829
Total noninterest income	$237,000	7,373
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$138,000	6,394
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	6,819
Total noninterest expense	$740,000	9,260
Salaries and employee benefits	$434,000	9,045
Premises and equipment expense	$101,000	8,944
Additional noninterest expense	$205,000	9,347
Pre-tax net operating income	$685,000	7,033
Securities gains (losses)	$0	3,944
Applicable income taxes	$213,000	6,714
Income before extraordinary items	$472,000	7,154
Extraordinary gains, net	$0	44
Net income	$472,000	7,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,129
Cash dividends	$389,000	4,048
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$472,000	7,107
1996-12-31 (YTD Data)		Rank
Total interest income	$1,898,000	9,507
Total interest expense	$799,000	9,649
Net interest income	$1,099,000	9,286
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$249,000	7,592
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$109,000	6,886
Total noninterest expense	$780,000	9,510
Salaries and employee benefits	$415,000	9,502
Premises and equipment expense	$115,000	8,909
Additional noninterest expense	$250,000	9,394
Pre-tax net operating income	$553,000	7,675
Securities gains (losses)	$0	4,148
Applicable income taxes	$158,000	7,760
Income before extraordinary items	$395,000	7,662
Extraordinary gains, net	$0	53
Net income	$395,000	7,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$99,000	6,788
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$395,000	7,600
1995-12-31 (YTD Data)		Rank
Total interest income	$1,904,000	9,880
Total interest expense	$787,000	9,998
Net interest income	$1,117,000	9,578
Provision for loan and lease losses	$0	8,958
Total noninterest income	$184,000	8,695
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	7,474
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,310
Total noninterest expense	$840,000	9,599
Salaries and employee benefits	$404,000	9,916
Premises and equipment expense	$140,000	8,530
Additional noninterest expense	$296,000	9,276
Pre-tax net operating income	$461,000	8,681
Securities gains (losses)	$45,000	1,385
Applicable income taxes	$132,000	8,584
Income before extraordinary items	$374,000	8,286
Extraordinary gains, net	$0	65
Net income	$374,000	8,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,002
Cash dividends	$267,000	4,828
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$340,700	8,536
1994-12-31 (YTD Data)		Rank
Total interest income	$1,862,000	10,057
Total interest expense	$631,000	10,451
Net interest income	$1,231,000	9,672
Provision for loan and lease losses	$0	9,146
Total noninterest income	$233,000	8,201
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	7,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	7,516
Total noninterest expense	$892,000	9,805
Salaries and employee benefits	$425,000	10,054
Premises and equipment expense	$148,000	8,603
Additional noninterest expense	$319,000	9,729
Pre-tax net operating income	$572,000	8,172
Securities gains (losses)	$0	3,600
Applicable income taxes	$177,000	7,765
Income before extraordinary items	$395,000	8,235
Extraordinary gains, net	$0	249
Net income	$395,000	8,237
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	11,066
Cash dividends	$266,000	4,779
Sale, conversion, retirement of capital stock, net	$47,000	916
Net operating income	$395,000	8,281
1993-12-31 (YTD Data)		Rank
Total interest income	$2,067,000	10,041
Total interest expense	$789,000	10,098
Net interest income	$1,278,000	9,813
Provision for loan and lease losses	$0	10,371
Total noninterest income	$256,000	8,275
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$174,000	6,494
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	8,541
Total noninterest expense	$1,046,000	9,536
Salaries and employee benefits	$415,000	10,485
Premises and equipment expense	$241,000	6,865
Additional noninterest expense	$390,000	9,368
Pre-tax net operating income	$488,000	8,740
Securities gains (losses)	$27,000	4,244
Applicable income taxes	$163,000	8,358
Income before extraordinary items	$352,000	8,913
Extraordinary gains, net	$0	3,149
Net income	$352,000	9,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	12,701
Cash dividends	$70,000	7,518
Sale, conversion, retirement of capital stock, net	$-47,000	13,183
Net operating income	$333,640	8,845
1992-12-31 (YTD Data)		Rank
Total interest income	$2,235,000	10,405
Total interest expense	$1,162,000	9,744
Net interest income	$1,073,000	10,801
Provision for loan and lease losses	$0	11,756
Total noninterest income	$240,000	8,673
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	9,109
Total noninterest expense	$1,090,000	9,565
Salaries and employee benefits	$430,000	10,522
Premises and equipment expense	$243,000	6,920
Additional noninterest expense	$417,000	9,367
Pre-tax net operating income	$223,000	10,855
Securities gains (losses)	$248,000	1,734
Applicable income taxes	$128,000	9,159
Income before extraordinary items	$343,000	8,797
Extraordinary gains, net	$0	1,422
Net income	$343,000	8,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	5,695
Cash dividends	$82,000	6,966
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$161,960	10,774

* 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.