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American Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$6,097,000	4,905
Total interest expense	$3,009,000	4,721
Net interest income	$3,088,000	4,961
Provision for loan and lease losses	$185,000	4,295
Total noninterest income	$775,000	3,938
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$549,000	2,627
Trading account gains and fees	$0	177
Additional Noninterest Income	$226,000	4,686
Total noninterest expense	$3,355,000	3,967
Salaries and employee benefits	$1,716,000	4,064
Premises and equipment expense	$644,000	3,172
Additional noninterest expense	$995,000	4,078
Pre-tax net operating income	$323,000	7,304
Securities gains (losses)	$3,000	4,114
Applicable income taxes	$116,000	5,821
Income before extraordinary items	$210,000	7,653
Extraordinary gains, net	$0	105
Net income	$210,000	7,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	3,056
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$208,080	7,551
2000-12-31 (YTD Data)		Rank
Total interest income	$4,307,000	6,246
Total interest expense	$2,423,000	5,671
Net interest income	$1,884,000	6,754
Provision for loan and lease losses	$507,000	1,846
Total noninterest income	$467,000	5,094
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$337,000	3,711
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	5,818
Total noninterest expense	$2,040,000	5,608
Salaries and employee benefits	$972,000	6,041
Premises and equipment expense	$408,000	4,443
Additional noninterest expense	$660,000	5,415
Pre-tax net operating income	$-196,000	9,336
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$-71,000	9,536
Income before extraordinary items	$-124,000	9,302
Extraordinary gains, net	$0	38
Net income	$-124,000	9,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$219,000	2,265
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$1,749,000	383
Net operating income	$-124,640	9,298
1999-12-31 (YTD Data)		Rank
Total interest income	$4,309,000	6,092
Total interest expense	$2,393,000	5,343
Net interest income	$1,916,000	6,799
Provision for loan and lease losses	$180,000	3,760
Total noninterest income	$425,000	5,433
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$314,000	3,848
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	6,379
Total noninterest expense	$1,839,000	6,001
Salaries and employee benefits	$905,000	6,278
Premises and equipment expense	$327,000	5,200
Additional noninterest expense	$607,000	5,778
Pre-tax net operating income	$322,000	7,972
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$106,000	6,848
Income before extraordinary items	$218,000	8,162
Extraordinary gains, net	$0	35
Net income	$218,000	8,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$223,000	2,237
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$216,660	8,145
1998-12-31 (YTD Data)		Rank
Total interest income	$4,098,000	6,400
Total interest expense	$2,196,000	5,841
Net interest income	$1,902,000	6,849
Provision for loan and lease losses	$180,000	3,728
Total noninterest income	$383,000	5,758
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$290,000	4,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	6,799
Total noninterest expense	$1,770,000	6,064
Salaries and employee benefits	$837,000	6,526
Premises and equipment expense	$365,000	4,744
Additional noninterest expense	$568,000	5,960
Pre-tax net operating income	$335,000	8,200
Securities gains (losses)	$0	4,449
Applicable income taxes	$106,000	7,444
Income before extraordinary items	$229,000	8,399
Extraordinary gains, net	$0	32
Net income	$229,000	8,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,246
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$229,000	8,326
1997-12-31 (YTD Data)		Rank
Total interest income	$3,714,000	6,943
Total interest expense	$1,813,000	6,654
Net interest income	$1,901,000	7,126
Provision for loan and lease losses	$59,000	6,382
Total noninterest income	$323,000	6,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$254,000	4,617
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	7,730
Total noninterest expense	$1,526,000	6,727
Salaries and employee benefits	$761,000	6,965
Premises and equipment expense	$316,000	5,267
Additional noninterest expense	$449,000	6,934
Pre-tax net operating income	$639,000	7,251
Securities gains (losses)	$-2,000	9,246
Applicable income taxes	$196,000	6,931
Income before extraordinary items	$441,000	7,369
Extraordinary gains, net	$0	44
Net income	$441,000	7,372
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,092
Cash dividends	$50,000	7,161
Sale, conversion, retirement of capital stock, net	$218,000	667
Net operating income	$442,380	7,311
1996-12-31 (YTD Data)		Rank
Total interest income	$2,855,000	8,200
Total interest expense	$1,248,000	8,244
Net interest income	$1,607,000	8,012
Provision for loan and lease losses	$0	9,041
Total noninterest income	$353,000	6,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$253,000	4,779
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	7,130
Total noninterest expense	$1,397,000	7,400
Salaries and employee benefits	$660,000	7,781
Premises and equipment expense	$298,000	5,628
Additional noninterest expense	$439,000	7,557
Pre-tax net operating income	$563,000	7,610
Securities gains (losses)	$-5,000	9,952
Applicable income taxes	$183,000	7,402
Income before extraordinary items	$375,000	7,821
Extraordinary gains, net	$0	53
Net income	$375,000	7,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-61,000	11,100
Cash dividends	$26,000	7,957
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$378,350	7,746
1995-12-31 (YTD Data)		Rank
Total interest income	$2,414,000	9,098
Total interest expense	$1,034,000	9,141
Net interest income	$1,380,000	8,842
Provision for loan and lease losses	$0	8,958
Total noninterest income	$342,000	6,573
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$283,000	4,489
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	8,803
Total noninterest expense	$1,300,000	7,864
Salaries and employee benefits	$603,000	8,337
Premises and equipment expense	$272,000	6,038
Additional noninterest expense	$425,000	7,953
Pre-tax net operating income	$422,000	8,926
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$143,000	8,394
Income before extraordinary items	$274,000	9,196
Extraordinary gains, net	$0	65
Net income	$274,000	9,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-30,000	11,229
Cash dividends	$24,000	8,316
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$277,300	9,132
1994-12-31 (YTD Data)		Rank
Total interest income	$1,932,000	9,924
Total interest expense	$741,000	9,872
Net interest income	$1,191,000	9,781
Provision for loan and lease losses	$-100,000	12,140
Total noninterest income	$294,000	7,323
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	5,407
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	8,738
Total noninterest expense	$1,130,000	8,873
Salaries and employee benefits	$513,000	9,269
Premises and equipment expense	$237,000	6,745
Additional noninterest expense	$380,000	9,039
Pre-tax net operating income	$455,000	8,962
Securities gains (losses)	$-21,000	10,372
Applicable income taxes	$10,000	11,373
Income before extraordinary items	$424,000	7,944
Extraordinary gains, net	$0	249
Net income	$424,000	7,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$77,000	7,386
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$444,580	7,811
1993-12-31 (YTD Data)		Rank
Total interest income	$1,718,000	10,762
Total interest expense	$736,000	10,382
Net interest income	$982,000	10,850
Provision for loan and lease losses	$-166,000	13,008
Total noninterest income	$252,000	8,332
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	5,731
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	10,733
Total noninterest expense	$1,126,000	9,219
Salaries and employee benefits	$483,000	9,835
Premises and equipment expense	$245,000	6,787
Additional noninterest expense	$398,000	9,288
Pre-tax net operating income	$274,000	10,441
Securities gains (losses)	$-12,000	12,812
Applicable income taxes	$15,000	11,714
Income before extraordinary items	$247,000	10,080
Extraordinary gains, net	$15,000	2,819
Net income	$262,000	10,042
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	6,216
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$258,280	9,691
1992-12-31 (YTD Data)		Rank
Total interest income	$2,084,000	10,726
Total interest expense	$995,000	10,414
Net interest income	$1,089,000	10,734
Provision for loan and lease losses	$40,000	9,471
Total noninterest income	$257,000	8,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$204,000	5,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	10,222
Total noninterest expense	$1,170,000	9,181
Salaries and employee benefits	$453,000	10,272
Premises and equipment expense	$247,000	6,841
Additional noninterest expense	$470,000	8,755
Pre-tax net operating income	$136,000	11,659
Securities gains (losses)	$0	8,369
Applicable income taxes	$27,000	11,890
Income before extraordinary items	$109,000	11,822
Extraordinary gains, net	$27,000	1,157
Net income	$136,000	11,536
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	4,538
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$109,000	11,516

* 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.