Amcore Bank National Association, Rock River Valley, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$47,181,000716
Total interest expense$28,337,000602
Net interest income$18,844,000907
Provision for loan and lease losses$1,160,000863
Total noninterest income$3,666,0001,149
Gross Fiduciary activities income$755,000525
Service charges on deposit accounts$1,409,000877
Trading account gains and fees$0224
Additional Noninterest Income$1,502,0001,402
Total noninterest expense$13,080,0001,015
Salaries and employee benefits$4,562,0001,434
Premises and equipment expense$1,038,0001,908
Additional noninterest expense$7,480,000726
Pre-tax net operating income$8,270,000943
Securities gains (losses)$1,329,000313
Applicable income taxes$2,870,000909
Income before extraordinary items$6,729,000818
Extraordinary gains, net$032
Net income$6,729,000817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$596,0001,092
Cash dividends$15,543,000284
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$5,798,700904
1997-12-31 (YTD Data)Rank
Total interest income$45,535,000756
Total interest expense$26,768,000629
Net interest income$18,767,000956
Provision for loan and lease losses$680,0001,358
Total noninterest income$3,256,0001,222
Gross Fiduciary activities income$701,000559
Service charges on deposit accounts$1,383,000920
Trading account gains and fees$0239
Additional Noninterest Income$1,172,0001,580
Total noninterest expense$12,918,0001,053
Salaries and employee benefits$4,303,0001,513
Premises and equipment expense$969,0002,048
Additional noninterest expense$7,646,000718
Pre-tax net operating income$8,425,000971
Securities gains (losses)$1,047,000269
Applicable income taxes$2,665,0001,035
Income before extraordinary items$6,807,000819
Extraordinary gains, net$044
Net income$6,807,000821
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$376,0001,675
Cash dividends$4,616,000671
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$6,053,160889
1996-12-31 (YTD Data)Rank
Total interest income$39,690,000884
Total interest expense$21,451,000791
Net interest income$18,239,0001,008
Provision for loan and lease losses$995,0001,033
Total noninterest income$3,309,0001,261
Gross Fiduciary activities income$564,000669
Service charges on deposit accounts$1,301,0001,015
Trading account gains and fees$0262
Additional Noninterest Income$1,444,0001,421
Total noninterest expense$12,127,0001,197
Salaries and employee benefits$4,273,0001,555
Premises and equipment expense$927,0002,150
Additional noninterest expense$6,927,000904
Pre-tax net operating income$8,426,000911
Securities gains (losses)$581,000380
Applicable income taxes$3,137,000845
Income before extraordinary items$5,870,000907
Extraordinary gains, net$053
Net income$5,870,000908
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$549,0001,334
Cash dividends$4,250,000746
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,492,350945
1995-12-31 (YTD Data)Rank
Total interest income$33,922,0001,043
Total interest expense$16,701,0001,015
Net interest income$17,221,0001,065
Provision for loan and lease losses$435,0001,751
Total noninterest income$2,704,0001,456
Gross Fiduciary activities income$534,000723
Service charges on deposit accounts$1,288,0001,039
Trading account gains and fees$0522
Additional Noninterest Income$882,0001,965
Total noninterest expense$11,844,0001,236
Salaries and employee benefits$4,537,0001,464
Premises and equipment expense$966,0002,082
Additional noninterest expense$6,341,000930
Pre-tax net operating income$7,646,0001,022
Securities gains (losses)$304,000505
Applicable income taxes$2,496,0001,048
Income before extraordinary items$5,454,000975
Extraordinary gains, net$065
Net income$5,454,000975
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$618,0001,208
Cash dividends$5,953,000561
Sale, conversion, retirement of capital stock, net$0809
Net operating income$5,244,2401,010
1994-12-31 (YTD Data)Rank
Total interest income$15,893,0001,939
Total interest expense$6,136,0002,037
Net interest income$9,757,0001,851
Provision for loan and lease losses$250,0002,585
Total noninterest income$1,306,0002,568
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$796,0001,697
Trading account gains and fees$0475
Additional Noninterest Income$510,0002,921
Total noninterest expense$6,843,0002,085
Salaries and employee benefits$3,034,0002,190
Premises and equipment expense$594,0003,300
Additional noninterest expense$3,215,0001,703
Pre-tax net operating income$3,970,0001,798
Securities gains (losses)$445,000294
Applicable income taxes$1,412,0001,639
Income before extraordinary items$3,003,0001,628
Extraordinary gains, net$0249
Net income$3,003,0001,627
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0002,738
Cash dividends$2,605,000903
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,700,4001,814
1993-12-31 (YTD Data)Rank
Total interest income$15,629,0002,011
Total interest expense$6,550,0001,976
Net interest income$9,079,0001,988
Provision for loan and lease losses$504,0002,073
Total noninterest income$1,368,0002,623
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$677,0002,021
Trading account gains and fees$0532
Additional Noninterest Income$691,0002,627
Total noninterest expense$6,746,0002,167
Salaries and employee benefits$2,822,0002,359
Premises and equipment expense$514,0003,767
Additional noninterest expense$3,410,0001,717
Pre-tax net operating income$3,197,0002,133
Securities gains (losses)$26,0004,293
Applicable income taxes$848,0002,634
Income before extraordinary items$2,375,0002,105
Extraordinary gains, net$03,149
Net income$2,375,0002,190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$440,0001,930
Cash dividends$1,240,0001,480
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,355,7601,999
1992-12-31 (YTD Data)Rank
Total interest income$14,130,0002,487
Total interest expense$7,063,0002,382
Net interest income$7,067,0002,567
Provision for loan and lease losses$560,0002,762
Total noninterest income$628,0004,804
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$328,0004,147
Trading account gains and fees$0504
Additional Noninterest Income$300,0004,427
Total noninterest expense$5,568,0002,598
Salaries and employee benefits$2,140,0003,017
Premises and equipment expense$434,0004,484
Additional noninterest expense$2,994,0002,002
Pre-tax net operating income$1,567,0003,884
Securities gains (losses)$267,0001,642
Applicable income taxes$429,0004,538
Income before extraordinary items$1,405,0003,264
Extraordinary gains, net$89,000787
Net income$1,494,0003,121
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$581,0002,215
Cash dividends$3,733,000485
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,199,4103,531

* 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.