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AmBank Indiana, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$36,322,000911
Total interest expense$17,283,000918
Net interest income$19,039,000901
Provision for loan and lease losses$4,968,000322
Total noninterest income$3,749,0001,137
Gross Fiduciary activities income$426,000688
Service charges on deposit accounts$1,363,000909
Trading account gains and fees$0224
Additional Noninterest Income$1,960,0001,177
Total noninterest expense$14,839,000931
Salaries and employee benefits$5,866,0001,109
Premises and equipment expense$3,128,000675
Additional noninterest expense$5,845,000862
Pre-tax net operating income$2,981,0002,393
Securities gains (losses)$-111,00010,400
Applicable income taxes$-51,00010,138
Income before extraordinary items$2,921,0001,805
Extraordinary gains, net$032
Net income$2,921,0001,805
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$903,000822
Cash dividends$3,450,000879
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$3,032,0001,655
1997-12-31 (YTD Data)Rank
Total interest income$35,187,000964
Total interest expense$17,945,000913
Net interest income$17,242,0001,025
Provision for loan and lease losses$835,0001,143
Total noninterest income$3,303,0001,211
Gross Fiduciary activities income$488,000666
Service charges on deposit accounts$1,090,0001,161
Trading account gains and fees$0239
Additional Noninterest Income$1,725,0001,209
Total noninterest expense$11,467,0001,162
Salaries and employee benefits$5,393,0001,223
Premises and equipment expense$2,246,000894
Additional noninterest expense$3,828,0001,156
Pre-tax net operating income$8,243,0001,002
Securities gains (losses)$27,0001,697
Applicable income taxes$2,834,000976
Income before extraordinary items$5,436,0001,019
Extraordinary gains, net$044
Net income$5,436,0001,020
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$861,000880
Cash dividends$2,605,0001,054
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$5,418,180996
1996-12-31 (YTD Data)Rank
Total interest income$33,044,0001,053
Total interest expense$16,869,000985
Net interest income$16,175,0001,126
Provision for loan and lease losses$650,0001,408
Total noninterest income$2,766,0001,443
Gross Fiduciary activities income$371,000798
Service charges on deposit accounts$950,0001,419
Trading account gains and fees$0262
Additional Noninterest Income$1,445,0001,420
Total noninterest expense$10,369,0001,383
Salaries and employee benefits$5,061,0001,323
Premises and equipment expense$1,830,0001,148
Additional noninterest expense$3,478,0001,523
Pre-tax net operating income$7,922,000968
Securities gains (losses)$-3,0009,684
Applicable income taxes$2,651,000967
Income before extraordinary items$5,268,000993
Extraordinary gains, net$053
Net income$5,268,000994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$308,0002,043
Cash dividends$2,000,0001,264
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,270,010974
1995-12-31 (YTD Data)Rank
Total interest income$24,508,0001,402
Total interest expense$12,244,0001,342
Net interest income$12,264,0001,466
Provision for loan and lease losses$650,0001,267
Total noninterest income$2,076,0001,781
Gross Fiduciary activities income$373,000823
Service charges on deposit accounts$692,0001,957
Trading account gains and fees$0522
Additional Noninterest Income$1,011,0001,785
Total noninterest expense$7,695,0001,827
Salaries and employee benefits$3,698,0001,792
Premises and equipment expense$1,412,0001,455
Additional noninterest expense$2,585,0001,941
Pre-tax net operating income$5,995,0001,273
Securities gains (losses)$26,0001,716
Applicable income taxes$1,991,0001,279
Income before extraordinary items$4,030,0001,306
Extraordinary gains, net$065
Net income$4,030,0001,304
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$134,0003,162
Cash dividends$1,540,0001,482
Sale, conversion, retirement of capital stock, net$0809
Net operating income$4,012,5801,293
1994-12-31 (YTD Data)Rank
Total interest income$19,794,0001,559
Total interest expense$8,682,0001,495
Net interest income$11,112,0001,630
Provision for loan and lease losses$100,0004,522
Total noninterest income$1,914,0001,890
Gross Fiduciary activities income$327,000870
Service charges on deposit accounts$575,0002,362
Trading account gains and fees$0475
Additional Noninterest Income$1,012,0001,823
Total noninterest expense$7,873,0001,839
Salaries and employee benefits$3,917,0001,709
Premises and equipment expense$1,559,0001,343
Additional noninterest expense$2,397,0002,209
Pre-tax net operating income$5,053,0001,463
Securities gains (losses)$4,0002,755
Applicable income taxes$1,570,0001,491
Income before extraordinary items$3,487,0001,425
Extraordinary gains, net$0249
Net income$3,487,0001,424
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,693
Cash dividends$1,748,0001,255
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$3,484,2401,435
1993-12-31 (YTD Data)Rank
Total interest income$19,245,0001,636
Total interest expense$8,709,0001,538
Net interest income$10,536,0001,723
Provision for loan and lease losses$280,0003,154
Total noninterest income$1,871,0002,062
Gross Fiduciary activities income$360,000876
Service charges on deposit accounts$610,0002,256
Trading account gains and fees$0532
Additional Noninterest Income$901,0002,201
Total noninterest expense$7,642,0001,938
Salaries and employee benefits$4,078,0001,653
Premises and equipment expense$1,436,0001,480
Additional noninterest expense$2,128,0002,584
Pre-tax net operating income$4,485,0001,562
Securities gains (losses)$9,0005,582
Applicable income taxes$1,273,0001,837
Income before extraordinary items$3,221,0001,581
Extraordinary gains, net$184,0001,076
Net income$3,405,0001,540
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0003,602
Cash dividends$1,139,0001,577
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,214,5201,494
1992-12-31 (YTD Data)Rank
Total interest income$20,947,0001,693
Total interest expense$10,159,0001,696
Net interest income$10,788,0001,704
Provision for loan and lease losses$1,025,0001,804
Total noninterest income$1,458,0002,444
Gross Fiduciary activities income$329,000910
Service charges on deposit accounts$610,0002,241
Trading account gains and fees$0504
Additional Noninterest Income$519,0003,112
Total noninterest expense$7,264,0002,027
Salaries and employee benefits$3,898,0001,709
Premises and equipment expense$1,338,0001,593
Additional noninterest expense$2,028,0002,773
Pre-tax net operating income$3,957,0001,575
Securities gains (losses)$29,0005,046
Applicable income taxes$1,136,0001,857
Income before extraordinary items$2,850,0001,621
Extraordinary gains, net$01,422
Net income$2,850,0001,632
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$920,0001,645
Cash dividends$1,069,0001,462
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,829,1201,512

* 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.