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American Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$21,449,000	1,605
Total interest expense	$9,271,000	1,865
Net interest income	$12,178,000	1,441
Provision for loan and lease losses	$800,000	1,277
Total noninterest income	$1,009,000	3,104
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$569,000	2,396
Trading account gains and fees	$0	180
Additional Noninterest Income	$440,000	3,158
Total noninterest expense	$8,300,000	1,680
Salaries and employee benefits	$5,305,000	1,339
Premises and equipment expense	$1,471,000	1,407
Additional noninterest expense	$1,524,000	2,771
Pre-tax net operating income	$4,087,000	1,787
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$4,087,000	1,284
Extraordinary gains, net	$0	38
Net income	$4,087,000	1,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,205
Cash dividends	$3,088,000	935
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,087,000	1,277
1999-12-31 (YTD Data)		Rank
Total interest income	$15,873,000	2,051
Total interest expense	$5,897,000	2,500
Net interest income	$9,976,000	1,745
Provision for loan and lease losses	$0	8,503
Total noninterest income	$998,000	3,100
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$606,000	2,206
Trading account gains and fees	$0	173
Additional Noninterest Income	$392,000	3,473
Total noninterest expense	$7,593,000	1,820
Salaries and employee benefits	$4,814,000	1,435
Premises and equipment expense	$1,269,000	1,613
Additional noninterest expense	$1,510,000	2,847
Pre-tax net operating income	$3,381,000	2,172
Securities gains (losses)	$-19,000	9,530
Applicable income taxes	$0	8,765
Income before extraordinary items	$3,362,000	1,586
Extraordinary gains, net	$0	35
Net income	$3,362,000	1,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-148,000	10,095
Cash dividends	$2,094,000	1,314
Sale, conversion, retirement of capital stock, net	$1,019,000	506
Net operating income	$3,381,000	1,550
1998-12-31 (YTD Data)		Rank
Total interest income	$13,964,000	2,334
Total interest expense	$5,196,000	2,887
Net interest income	$8,768,000	1,951
Provision for loan and lease losses	$0	8,652
Total noninterest income	$912,000	3,292
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$547,000	2,354
Trading account gains and fees	$0	224
Additional Noninterest Income	$365,000	3,618
Total noninterest expense	$6,986,000	1,861
Salaries and employee benefits	$4,464,000	1,464
Premises and equipment expense	$1,166,000	1,694
Additional noninterest expense	$1,356,000	3,026
Pre-tax net operating income	$2,694,000	2,615
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$2,694,000	1,939
Extraordinary gains, net	$0	32
Net income	$2,694,000	1,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-42,000	10,066
Cash dividends	$1,637,000	1,546
Sale, conversion, retirement of capital stock, net	$250,000	650
Net operating income	$2,694,000	1,866
1997-12-31 (YTD Data)		Rank
Total interest income	$12,509,000	2,624
Total interest expense	$4,274,000	3,437
Net interest income	$8,235,000	2,114
Provision for loan and lease losses	$0	8,829
Total noninterest income	$1,232,000	2,571
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$675,000	1,934
Trading account gains and fees	$0	239
Additional Noninterest Income	$557,000	2,629
Total noninterest expense	$6,621,000	1,950
Salaries and employee benefits	$4,151,000	1,571
Premises and equipment expense	$1,076,000	1,846
Additional noninterest expense	$1,394,000	2,926
Pre-tax net operating income	$2,846,000	2,605
Securities gains (losses)	$-174,000	10,820
Applicable income taxes	$229,000	6,507
Income before extraordinary items	$2,443,000	2,157
Extraordinary gains, net	$0	44
Net income	$2,443,000	2,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-234,000	10,838
Cash dividends	$1,687,000	1,488
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,601,340	1,980
1996-12-31 (YTD Data)		Rank
Total interest income	$11,410,000	2,899
Total interest expense	$3,940,000	3,762
Net interest income	$7,470,000	2,408
Provision for loan and lease losses	$30,000	7,397
Total noninterest income	$1,007,000	3,108
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$630,000	2,148
Trading account gains and fees	$0	262
Additional Noninterest Income	$377,000	3,514
Total noninterest expense	$6,500,000	2,125
Salaries and employee benefits	$3,880,000	1,706
Premises and equipment expense	$1,016,000	1,972
Additional noninterest expense	$1,604,000	2,950
Pre-tax net operating income	$1,947,000	3,483
Securities gains (losses)	$-131,000	11,252
Applicable income taxes	$628,000	3,452
Income before extraordinary items	$1,188,000	3,899
Extraordinary gains, net	$0	53
Net income	$1,188,000	3,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,581
Cash dividends	$937,000	2,253
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,273,150	3,630
1995-12-31 (YTD Data)		Rank
Total interest income	$11,311,000	2,945
Total interest expense	$3,749,000	3,903
Net interest income	$7,562,000	2,370
Provision for loan and lease losses	$0	8,958
Total noninterest income	$1,161,000	2,790
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$806,000	1,675
Trading account gains and fees	$0	522
Additional Noninterest Income	$355,000	3,572
Total noninterest expense	$6,431,000	2,140
Salaries and employee benefits	$3,900,000	1,704
Premises and equipment expense	$1,073,000	1,889
Additional noninterest expense	$1,458,000	3,166
Pre-tax net operating income	$2,292,000	3,093
Securities gains (losses)	$-962,000	11,866
Applicable income taxes	$460,000	4,459
Income before extraordinary items	$870,000	5,121
Extraordinary gains, net	$0	65
Net income	$870,000	5,119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,420
Cash dividends	$375,000	4,026
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,495,300	3,233
1994-12-31 (YTD Data)		Rank
Total interest income	$10,536,000	2,882
Total interest expense	$3,030,000	3,928
Net interest income	$7,506,000	2,410
Provision for loan and lease losses	$0	9,146
Total noninterest income	$1,330,000	2,527
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$908,000	1,492
Trading account gains and fees	$0	475
Additional Noninterest Income	$422,000	3,301
Total noninterest expense	$7,059,000	2,024
Salaries and employee benefits	$3,952,000	1,698
Premises and equipment expense	$1,096,000	1,864
Additional noninterest expense	$2,011,000	2,561
Pre-tax net operating income	$1,777,000	3,787
Securities gains (losses)	$-699,000	12,324
Applicable income taxes	$259,000	6,409
Income before extraordinary items	$819,000	5,271
Extraordinary gains, net	$0	249
Net income	$819,000	5,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$472,000	1,428
Cash dividends	$375,000	3,898
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,350,240	3,510
1993-12-31 (YTD Data)		Rank
Total interest income	$9,819,000	3,138
Total interest expense	$2,787,000	4,389
Net interest income	$7,032,000	2,561
Provision for loan and lease losses	$-1,022,000	13,224
Total noninterest income	$1,052,000	3,218
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$698,000	1,953
Trading account gains and fees	$0	532
Additional Noninterest Income	$354,000	4,088
Total noninterest expense	$6,788,000	2,153
Salaries and employee benefits	$3,727,000	1,798
Premises and equipment expense	$1,032,000	1,992
Additional noninterest expense	$2,029,000	2,696
Pre-tax net operating income	$2,318,000	2,910
Securities gains (losses)	$33,000	3,976
Applicable income taxes	$778,000	2,820
Income before extraordinary items	$1,573,000	3,098
Extraordinary gains, net	$0	3,149
Net income	$1,573,000	3,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-405,000	13,213
Cash dividends	$375,000	3,834
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,550,890	2,966
1992-12-31 (YTD Data)		Rank
Total interest income	$10,846,000	3,228
Total interest expense	$3,619,000	4,433
Net interest income	$7,227,000	2,514
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$1,115,000	3,030
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$645,000	2,107
Trading account gains and fees	$0	504
Additional Noninterest Income	$470,000	3,314
Total noninterest expense	$6,405,000	2,285
Salaries and employee benefits	$3,329,000	1,972
Premises and equipment expense	$934,000	2,227
Additional noninterest expense	$2,142,000	2,644
Pre-tax net operating income	$1,887,000	3,283
Securities gains (losses)	$563,000	991
Applicable income taxes	$856,000	2,431
Income before extraordinary items	$1,594,000	2,883
Extraordinary gains, net	$0	1,422
Net income	$1,594,000	2,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	6,617
Cash dividends	$375,000	3,474
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,228,050	3,453

* 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.