Ameribank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $69,655,000 | 532 |
| Total interest expense | $39,010,000 | 458 |
| Net interest income | $30,645,000 | 621 |
| Provision for loan and lease losses | $1,170,000 | 865 |
| Total noninterest income | $7,212,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,119,000 | 445 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,093,000 | 732 |
| Total noninterest expense | $21,305,000 | 725 |
| Salaries and employee benefits | $11,650,000 | 617 |
| Premises and equipment expense | $3,061,000 | 683 |
| Additional noninterest expense | $6,594,000 | 796 |
| Pre-tax net operating income | $15,382,000 | 589 |
| Securities gains (losses) | $-9,000 | 9,275 |
| Applicable income taxes | $5,389,000 | 570 |
| Income before extraordinary items | $9,984,000 | 624 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,984,000 | 624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,924 |
| Cash dividends | $6,000,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $9,989,850 | 610 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $68,413,000 | 537 |
| Total interest expense | $40,190,000 | 461 |
| Net interest income | $28,223,000 | 634 |
| Provision for loan and lease losses | $930,000 | 1,033 |
| Total noninterest income | $8,526,000 | 665 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,718,000 | 482 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $5,808,000 | 591 |
| Total noninterest expense | $21,425,000 | 696 |
| Salaries and employee benefits | $11,463,000 | 622 |
| Premises and equipment expense | $2,944,000 | 700 |
| Additional noninterest expense | $7,018,000 | 767 |
| Pre-tax net operating income | $14,394,000 | 587 |
| Securities gains (losses) | $-24,000 | 10,310 |
| Applicable income taxes | $5,245,000 | 556 |
| Income before extraordinary items | $9,125,000 | 634 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,125,000 | 633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,507 |
| Cash dividends | $12,500,000 | 322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $9,140,360 | 604 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $64,987,000 | 566 |
| Total interest expense | $37,922,000 | 490 |
| Net interest income | $27,065,000 | 670 |
| Provision for loan and lease losses | $660,000 | 1,386 |
| Total noninterest income | $4,518,000 | 993 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,108,000 | 612 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,410,000 | 964 |
| Total noninterest expense | $18,886,000 | 777 |
| Salaries and employee benefits | $10,323,000 | 668 |
| Premises and equipment expense | $2,524,000 | 802 |
| Additional noninterest expense | $6,039,000 | 852 |
| Pre-tax net operating income | $12,037,000 | 700 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $4,361,000 | 676 |
| Income before extraordinary items | $7,672,000 | 737 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,672,000 | 738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $496,000 | 1,344 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,674,560 | 718 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $53,140,000 | 698 |
| Total interest expense | $30,797,000 | 604 |
| Net interest income | $22,343,000 | 833 |
| Provision for loan and lease losses | $564,000 | 1,602 |
| Total noninterest income | $5,308,000 | 912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $5,308,000 | 623 |
| Total noninterest expense | $22,512,000 | 717 |
| Salaries and employee benefits | $9,080,000 | 766 |
| Premises and equipment expense | $2,373,000 | 918 |
| Additional noninterest expense | $11,059,000 | 619 |
| Pre-tax net operating income | $4,575,000 | 1,588 |
| Securities gains (losses) | $144,000 | 809 |
| Applicable income taxes | $1,950,000 | 1,261 |
| Income before extraordinary items | $2,769,000 | 1,787 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,769,000 | 1,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $2,449,000 | 1,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,676,840 | 1,813 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,345,000 | 1,469 |
| Total interest expense | $11,592,000 | 1,403 |
| Net interest income | $11,753,000 | 1,536 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $4,141,000 | 1,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,141,000 | 747 |
| Total noninterest expense | $11,430,000 | 1,259 |
| Salaries and employee benefits | $5,634,000 | 1,190 |
| Premises and equipment expense | $1,913,000 | 1,109 |
| Additional noninterest expense | $3,883,000 | 1,366 |
| Pre-tax net operating income | $4,304,000 | 1,708 |
| Securities gains (losses) | $-60,000 | 11,272 |
| Applicable income taxes | $1,717,000 | 1,451 |
| Income before extraordinary items | $2,527,000 | 1,993 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,527,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,109 |
| Cash dividends | $15,000,000 | 310 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,565,400 | 1,940 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,077,000 | 1,539 |
| Total interest expense | $9,149,000 | 1,421 |
| Net interest income | $10,928,000 | 1,654 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $2,890,000 | 1,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,890,000 | 899 |
| Total noninterest expense | $9,591,000 | 1,536 |
| Salaries and employee benefits | $4,703,000 | 1,435 |
| Premises and equipment expense | $1,674,000 | 1,246 |
| Additional noninterest expense | $3,214,000 | 1,705 |
| Pre-tax net operating income | $4,057,000 | 1,746 |
| Securities gains (losses) | $111,000 | 737 |
| Applicable income taxes | $1,496,000 | 1,560 |
| Income before extraordinary items | $2,672,000 | 1,820 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,672,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $9,358,000 | 369 |
| Sale, conversion, retirement of capital stock, net | $23,693,000 | 53 |
| Net operating income | $2,600,960 | 1,873 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,009,000 | 1,574 |
| Total interest expense | $9,900,000 | 1,355 |
| Net interest income | $10,109,000 | 1,780 |
| Provision for loan and lease losses | $450,000 | 2,259 |
| Total noninterest income | $3,149,000 | 1,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,149,000 | 932 |
| Total noninterest expense | $8,593,000 | 1,755 |
| Salaries and employee benefits | $4,071,000 | 1,660 |
| Premises and equipment expense | $1,532,000 | 1,395 |
| Additional noninterest expense | $2,990,000 | 1,918 |
| Pre-tax net operating income | $4,215,000 | 1,647 |
| Securities gains (losses) | $640,000 | 764 |
| Applicable income taxes | $1,734,000 | 1,369 |
| Income before extraordinary items | $3,121,000 | 1,627 |
| Extraordinary gains, net | $-183,000 | 13,039 |
| Net income | $2,938,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,711,400 | 1,733 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $22,227,000 | 1,612 |
| Total interest expense | $12,250,000 | 1,444 |
| Net interest income | $9,977,000 | 1,835 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $3,239,000 | 1,341 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,239,000 | 903 |
| Total noninterest expense | $8,323,000 | 1,824 |
| Salaries and employee benefits | $3,873,000 | 1,720 |
| Premises and equipment expense | $1,463,000 | 1,467 |
| Additional noninterest expense | $2,987,000 | 2,005 |
| Pre-tax net operating income | $4,693,000 | 1,358 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,663,000 | 1,336 |
| Income before extraordinary items | $3,030,000 | 1,526 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,030,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,030,000 | 1,418 |
* 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.