Amcore Bank, National Association, South Central, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$34,525,000959
Total interest expense$19,155,000835
Net interest income$15,370,0001,102
Provision for loan and lease losses$442,0001,907
Total noninterest income$3,596,0001,163
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$880,0001,417
Trading account gains and fees$0224
Additional Noninterest Income$2,716,000958
Total noninterest expense$11,991,0001,104
Salaries and employee benefits$6,103,0001,068
Premises and equipment expense$1,311,0001,496
Additional noninterest expense$4,577,0001,004
Pre-tax net operating income$6,533,0001,147
Securities gains (losses)$273,000778
Applicable income taxes$2,102,0001,203
Income before extraordinary items$4,704,0001,146
Extraordinary gains, net$032
Net income$4,704,0001,146
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$300,0001,859
Cash dividends$3,824,000812
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$4,515,6301,148
1997-12-31 (YTD Data)Rank
Total interest income$21,207,0001,551
Total interest expense$11,163,0001,412
Net interest income$10,044,0001,734
Provision for loan and lease losses$398,0002,122
Total noninterest income$1,998,0001,767
Gross Fiduciary activities income$340,000778
Service charges on deposit accounts$565,0002,324
Trading account gains and fees$0239
Additional Noninterest Income$1,093,0001,654
Total noninterest expense$7,691,0001,696
Salaries and employee benefits$3,873,0001,694
Premises and equipment expense$1,389,0001,407
Additional noninterest expense$2,429,0001,745
Pre-tax net operating income$3,953,0001,901
Securities gains (losses)$22,0001,824
Applicable income taxes$1,204,0002,077
Income before extraordinary items$2,771,0001,906
Extraordinary gains, net$044
Net income$2,771,0001,906
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$292,0001,995
Cash dividends$1,100,0002,008
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,755,6001,860
1996-12-31 (YTD Data)Rank
Total interest income$16,757,0002,019
Total interest expense$8,708,0001,812
Net interest income$8,049,0002,244
Provision for loan and lease losses$120,0004,568
Total noninterest income$1,776,0002,028
Gross Fiduciary activities income$493,000711
Service charges on deposit accounts$467,0002,898
Trading account gains and fees$0262
Additional Noninterest Income$816,0002,082
Total noninterest expense$5,544,0002,476
Salaries and employee benefits$3,339,0001,979
Premises and equipment expense$686,0002,857
Additional noninterest expense$1,519,0003,080
Pre-tax net operating income$4,161,0001,728
Securities gains (losses)$04,148
Applicable income taxes$1,222,0001,966
Income before extraordinary items$2,939,0001,689
Extraordinary gains, net$053
Net income$2,939,0001,690
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0005,188
Cash dividends$1,250,0001,804
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,939,0001,652
1995-12-31 (YTD Data)Rank
Total interest income$15,586,0002,166
Total interest expense$7,918,0001,981
Net interest income$7,668,0002,335
Provision for loan and lease losses$61,0005,684
Total noninterest income$1,467,0002,316
Gross Fiduciary activities income$460,000766
Service charges on deposit accounts$425,0003,162
Trading account gains and fees$0522
Additional Noninterest Income$582,0002,589
Total noninterest expense$5,504,0002,469
Salaries and employee benefits$3,274,0002,027
Premises and equipment expense$692,0002,839
Additional noninterest expense$1,538,0003,024
Pre-tax net operating income$3,570,0002,061
Securities gains (losses)$11,0002,318
Applicable income taxes$996,0002,393
Income before extraordinary items$2,585,0001,942
Extraordinary gains, net$065
Net income$2,585,0001,939
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,109
Cash dividends$880,0002,268
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,577,0801,931
1994-12-31 (YTD Data)Rank
Total interest income$13,611,0002,249
Total interest expense$6,044,0002,065
Net interest income$7,567,0002,390
Provision for loan and lease losses$09,146
Total noninterest income$1,541,0002,246
Gross Fiduciary activities income$612,000676
Service charges on deposit accounts$364,0003,703
Trading account gains and fees$0475
Additional Noninterest Income$565,0002,714
Total noninterest expense$5,838,0002,403
Salaries and employee benefits$3,372,0001,976
Premises and equipment expense$777,0002,592
Additional noninterest expense$1,689,0002,994
Pre-tax net operating income$3,270,0002,178
Securities gains (losses)$3,0002,889
Applicable income taxes$892,0002,508
Income before extraordinary items$2,381,0002,057
Extraordinary gains, net$0249
Net income$2,381,0002,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,934
Cash dividends$1,655,0001,297
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,378,8102,069
1993-12-31 (YTD Data)Rank
Total interest income$12,893,0002,395
Total interest expense$5,803,0002,241
Net interest income$7,090,0002,533
Provision for loan and lease losses$010,371
Total noninterest income$1,597,0002,322
Gross Fiduciary activities income$543,000732
Service charges on deposit accounts$332,0004,056
Trading account gains and fees$0532
Additional Noninterest Income$722,0002,544
Total noninterest expense$5,848,0002,445
Salaries and employee benefits$3,248,0002,042
Premises and equipment expense$830,0002,464
Additional noninterest expense$1,770,0003,026
Pre-tax net operating income$2,839,0002,424
Securities gains (losses)$13,0005,183
Applicable income taxes$638,0003,401
Income before extraordinary items$2,214,0002,260
Extraordinary gains, net$03,149
Net income$2,214,0002,341
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0007,032
Cash dividends$597,0002,701
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,203,8602,138
1992-12-31 (YTD Data)Rank
Total interest income$10,952,0003,202
Total interest expense$5,159,0003,225
Net interest income$5,793,0003,170
Provision for loan and lease losses$011,756
Total noninterest income$1,034,0003,226
Gross Fiduciary activities income$475,000780
Service charges on deposit accounts$265,0004,916
Trading account gains and fees$0504
Additional Noninterest Income$294,0004,488
Total noninterest expense$4,495,0003,160
Salaries and employee benefits$2,499,0002,602
Premises and equipment expense$775,0002,675
Additional noninterest expense$1,221,0004,278
Pre-tax net operating income$2,332,0002,673
Securities gains (losses)$11,0006,349
Applicable income taxes$549,0003,689
Income before extraordinary items$1,794,0002,561
Extraordinary gains, net$01,422
Net income$1,794,0002,599
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0006,878
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,785,5302,379

* 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.