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FirsTier Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$75,732,000	516
Total interest expense	$38,072,000	517
Net interest income	$37,660,000	500
Provision for loan and lease losses	$11,896,000	182
Total noninterest income	$6,051,000	808
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$2,709,000	503
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,342,000	802
Total noninterest expense	$26,226,000	604
Salaries and employee benefits	$13,661,000	533
Premises and equipment expense	$3,970,000	561
Additional noninterest expense	$8,595,000	644
Pre-tax net operating income	$5,589,000	1,321
Securities gains (losses)	$0	1,956
Applicable income taxes	$2,753,000	885
Income before extraordinary items	$2,836,000	1,840
Extraordinary gains, net	$0	38
Net income	$2,836,000	1,840
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,368,000	600
Cash dividends	$2,410,000	1,158
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,836,000	1,842
1999-12-31 (YTD Data)		Rank
Total interest income	$41,457,000	820
Total interest expense	$19,399,000	818
Net interest income	$22,058,000	795
Provision for loan and lease losses	$3,130,000	403
Total noninterest income	$3,469,000	1,200
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,814,000	733
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,655,000	1,314
Total noninterest expense	$14,390,000	974
Salaries and employee benefits	$7,881,000	870
Premises and equipment expense	$2,155,000	934
Additional noninterest expense	$4,354,000	1,076
Pre-tax net operating income	$8,007,000	993
Securities gains (losses)	$0	3,155
Applicable income taxes	$2,982,000	885
Income before extraordinary items	$5,025,000	1,088
Extraordinary gains, net	$0	35
Net income	$5,025,000	1,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,050
Cash dividends	$790,000	2,701
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$5,025,000	1,070
1998-12-31 (YTD Data)		Rank
Total interest income	$20,778,000	1,557
Total interest expense	$9,763,000	1,571
Net interest income	$11,015,000	1,539
Provision for loan and lease losses	$1,090,000	897
Total noninterest income	$2,875,000	1,391
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$1,255,000	983
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,620,000	1,331
Total noninterest expense	$8,826,000	1,502
Salaries and employee benefits	$4,814,000	1,364
Premises and equipment expense	$1,305,000	1,504
Additional noninterest expense	$2,707,000	1,594
Pre-tax net operating income	$3,974,000	1,831
Securities gains (losses)	$-4,000	10,023
Applicable income taxes	$1,513,000	1,615
Income before extraordinary items	$2,457,000	2,120
Extraordinary gains, net	$0	32
Net income	$2,457,000	2,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$370,000	1,601
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,459,560	2,053
1997-12-31 (YTD Data)		Rank
Total interest income	$11,609,000	2,824
Total interest expense	$4,965,000	2,998
Net interest income	$6,644,000	2,616
Provision for loan and lease losses	$90,000	5,371
Total noninterest income	$1,102,000	2,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$624,000	2,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$478,000	2,912
Total noninterest expense	$5,004,000	2,565
Salaries and employee benefits	$2,650,000	2,506
Premises and equipment expense	$745,000	2,588
Additional noninterest expense	$1,609,000	2,550
Pre-tax net operating income	$2,652,000	2,770
Securities gains (losses)	$0	3,944
Applicable income taxes	$946,000	2,550
Income before extraordinary items	$1,706,000	2,980
Extraordinary gains, net	$0	44
Net income	$1,706,000	2,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,706,000	2,928
1996-12-31 (YTD Data)		Rank
Total interest income	$3,327,000	7,581
Total interest expense	$1,066,000	8,799
Net interest income	$2,261,000	6,637
Provision for loan and lease losses	$0	9,041
Total noninterest income	$850,000	3,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$434,000	3,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$416,000	3,326
Total noninterest expense	$2,379,000	5,213
Salaries and employee benefits	$1,346,000	4,737
Premises and equipment expense	$338,000	5,136
Additional noninterest expense	$695,000	5,774
Pre-tax net operating income	$732,000	6,786
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$237,000	6,613
Income before extraordinary items	$499,000	6,912
Extraordinary gains, net	$0	53
Net income	$499,000	6,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	10,584
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$496,280	6,863
1995-12-31 (YTD Data)		Rank
Total interest income	$2,294,000	9,261
Total interest expense	$711,000	10,267
Net interest income	$1,583,000	8,299
Provision for loan and lease losses	$0	8,958
Total noninterest income	$582,000	4,675
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$366,000	3,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$216,000	4,903
Total noninterest expense	$1,543,000	7,137
Salaries and employee benefits	$856,000	6,787
Premises and equipment expense	$258,000	6,220
Additional noninterest expense	$429,000	7,910
Pre-tax net operating income	$622,000	7,756
Securities gains (losses)	$0	3,831
Applicable income taxes	$176,000	7,824
Income before extraordinary items	$446,000	7,671
Extraordinary gains, net	$0	65
Net income	$446,000	7,672
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$446,000	7,649
1994-12-31 (YTD Data)		Rank
Total interest income	$1,884,000	10,020
Total interest expense	$500,000	11,102
Net interest income	$1,384,000	9,206
Provision for loan and lease losses	$0	9,146
Total noninterest income	$406,000	6,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$325,000	4,084
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	8,198
Total noninterest expense	$1,226,000	8,510
Salaries and employee benefits	$606,000	8,572
Premises and equipment expense	$186,000	7,731
Additional noninterest expense	$434,000	8,489
Pre-tax net operating income	$564,000	8,220
Securities gains (losses)	$0	3,600
Applicable income taxes	$188,000	7,551
Income before extraordinary items	$376,000	8,398
Extraordinary gains, net	$0	249
Net income	$376,000	8,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,731
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$376,000	8,445
1993-12-31 (YTD Data)		Rank
Total interest income	$1,566,000	11,073
Total interest expense	$424,000	12,113
Net interest income	$1,142,000	10,253
Provision for loan and lease losses	$0	10,371
Total noninterest income	$440,000	6,087
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$362,000	3,775
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	8,723
Total noninterest expense	$1,143,000	9,140
Salaries and employee benefits	$556,000	9,163
Premises and equipment expense	$178,000	8,187
Additional noninterest expense	$409,000	9,165
Pre-tax net operating income	$439,000	9,102
Securities gains (losses)	$-16,000	12,875
Applicable income taxes	$-231,000	13,053
Income before extraordinary items	$654,000	6,399
Extraordinary gains, net	$0	3,149
Net income	$654,000	6,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,735
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$670,000	6,063
1992-12-31 (YTD Data)		Rank
Total interest income	$1,497,000	11,982
Total interest expense	$490,000	12,800
Net interest income	$1,007,000	11,079
Provision for loan and lease losses	$15,000	10,851
Total noninterest income	$509,000	5,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$409,000	3,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	8,063
Total noninterest expense	$1,501,000	7,910
Salaries and employee benefits	$477,000	10,021
Premises and equipment expense	$230,000	7,171
Additional noninterest expense	$794,000	6,105
Pre-tax net operating income	$0	12,692
Securities gains (losses)	$103,000	2,957
Applicable income taxes	$77,000	10,525
Income before extraordinary items	$26,000	12,737
Extraordinary gains, net	$0	1,422
Net income	$26,000	12,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	13,191
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-39,920	12,796

* 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.