Home > American Bank and Trust > Income and Expense
American Bank and Trust, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 4,442 |
| Total interest expense | $413,000 | 4,224 |
| Net interest income | $1,004,000 | 4,464 |
| Provision for loan and lease losses | $24,000 | 4,604 |
| Total noninterest income | $392,000 | 2,575 |
| Gross Fiduciary activities income | $119,000 | 598 |
| Service charges on deposit accounts | $184,000 | 2,241 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $1,206,000 | 3,215 |
| Salaries and employee benefits | $661,000 | 3,188 |
| Premises and equipment expense | $216,000 | 2,624 |
| Additional noninterest expense | $329,000 | 3,475 |
| Pre-tax net operating income | $166,000 | 6,237 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $58,000 | 4,646 |
| Income before extraordinary items | $108,000 | 6,727 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $108,000 | 6,610 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 4,573 |
| Total interest expense | $1,821,000 | 4,315 |
| Net interest income | $3,677,000 | 4,634 |
| Provision for loan and lease losses | $173,000 | 4,345 |
| Total noninterest income | $1,588,000 | 2,727 |
| Gross Fiduciary activities income | $505,000 | 563 |
| Service charges on deposit accounts | $760,000 | 2,208 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $323,000 | 4,356 |
| Total noninterest expense | $4,578,000 | 3,309 |
| Salaries and employee benefits | $2,431,000 | 3,338 |
| Premises and equipment expense | $764,000 | 2,868 |
| Additional noninterest expense | $1,383,000 | 3,316 |
| Pre-tax net operating income | $514,000 | 6,629 |
| Securities gains (losses) | $80,000 | 2,097 |
| Applicable income taxes | $60,000 | 6,152 |
| Income before extraordinary items | $534,000 | 6,203 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $534,000 | 6,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,350 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $462,000 | 6,349 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,070,000 | 4,668 |
| Total interest expense | $1,409,000 | 4,332 |
| Net interest income | $2,661,000 | 4,762 |
| Provision for loan and lease losses | $129,000 | 4,241 |
| Total noninterest income | $1,145,000 | 2,877 |
| Gross Fiduciary activities income | $361,000 | 579 |
| Service charges on deposit accounts | $540,000 | 2,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $244,000 | 4,427 |
| Total noninterest expense | $3,425,000 | 3,305 |
| Salaries and employee benefits | $1,891,000 | 3,249 |
| Premises and equipment expense | $593,000 | 2,808 |
| Additional noninterest expense | $941,000 | 3,576 |
| Pre-tax net operating income | $252,000 | 7,427 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $-17,000 | 8,946 |
| Income before extraordinary items | $298,000 | 6,959 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $298,000 | 6,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,610 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $269,000 | 6,960 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,690,000 | 4,730 |
| Total interest expense | $969,000 | 4,346 |
| Net interest income | $1,721,000 | 4,858 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $747,000 | 2,886 |
| Gross Fiduciary activities income | $242,000 | 578 |
| Service charges on deposit accounts | $341,000 | 2,393 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $164,000 | 4,400 |
| Total noninterest expense | $2,248,000 | 3,339 |
| Salaries and employee benefits | $1,247,000 | 3,280 |
| Premises and equipment expense | $399,000 | 2,774 |
| Additional noninterest expense | $602,000 | 3,689 |
| Pre-tax net operating income | $180,000 | 7,383 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $54,000 | 5,837 |
| Income before extraordinary items | $126,000 | 7,685 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $126,000 | 7,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,834 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $126,000 | 7,515 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 4,706 |
| Total interest expense | $494,000 | 4,372 |
| Net interest income | $870,000 | 4,802 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $358,000 | 2,875 |
| Gross Fiduciary activities income | $118,000 | 595 |
| Service charges on deposit accounts | $159,000 | 2,464 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $81,000 | 4,308 |
| Total noninterest expense | $1,100,000 | 3,385 |
| Salaries and employee benefits | $601,000 | 3,362 |
| Premises and equipment expense | $197,000 | 2,795 |
| Additional noninterest expense | $302,000 | 3,641 |
| Pre-tax net operating income | $128,000 | 6,785 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $38,000 | 5,468 |
| Income before extraordinary items | $90,000 | 7,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 7,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $90,000 | 6,937 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,886,000 | 4,627 |
| Total interest expense | $2,236,000 | 4,472 |
| Net interest income | $3,650,000 | 4,635 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,435,000 | 2,702 |
| Gross Fiduciary activities income | $544,000 | 548 |
| Service charges on deposit accounts | $575,000 | 2,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $316,000 | 4,145 |
| Total noninterest expense | $4,197,000 | 3,425 |
| Salaries and employee benefits | $2,249,000 | 3,397 |
| Premises and equipment expense | $688,000 | 3,038 |
| Additional noninterest expense | $1,260,000 | 3,474 |
| Pre-tax net operating income | $888,000 | 5,519 |
| Securities gains (losses) | $172,000 | 1,271 |
| Applicable income taxes | $276,000 | 4,587 |
| Income before extraordinary items | $784,000 | 5,263 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $784,000 | 5,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $92,000 | 5,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $656,720 | 5,583 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,488,000 | 4,680 |
| Total interest expense | $2,914,000 | 4,840 |
| Net interest income | $3,574,000 | 4,489 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,358,000 | 2,690 |
| Gross Fiduciary activities income | $476,000 | 609 |
| Service charges on deposit accounts | $579,000 | 2,501 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $303,000 | 4,101 |
| Total noninterest expense | $4,995,000 | 2,825 |
| Salaries and employee benefits | $2,338,000 | 3,135 |
| Premises and equipment expense | $664,000 | 3,083 |
| Additional noninterest expense | $1,993,000 | 2,250 |
| Pre-tax net operating income | $-63,000 | 8,829 |
| Securities gains (losses) | $489,000 | 621 |
| Applicable income taxes | $132,000 | 5,641 |
| Income before extraordinary items | $294,000 | 7,183 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $294,000 | 7,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,426 |
| Cash dividends | $180,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-43,410 | 8,818 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,755,000 | 4,717 |
| Total interest expense | $2,921,000 | 5,029 |
| Net interest income | $3,834,000 | 4,322 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $1,501,000 | 2,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $557,000 | 2,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $944,000 | 1,931 |
| Total noninterest expense | $3,680,000 | 3,559 |
| Salaries and employee benefits | $1,915,000 | 3,604 |
| Premises and equipment expense | $530,000 | 3,622 |
| Additional noninterest expense | $1,235,000 | 3,335 |
| Pre-tax net operating income | $1,455,000 | 4,146 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $484,000 | 3,556 |
| Income before extraordinary items | $971,000 | 4,469 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $971,000 | 4,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,334 |
| Cash dividends | $36,000 | 6,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $971,000 | 4,468 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,927,000 | 4,990 |
| Total interest expense | $2,346,000 | 5,422 |
| Net interest income | $3,581,000 | 4,571 |
| Provision for loan and lease losses | $3,000 | 8,407 |
| Total noninterest income | $1,129,000 | 2,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $627,000 | 2,553 |
| Total noninterest expense | $3,644,000 | 3,587 |
| Salaries and employee benefits | $1,854,000 | 3,658 |
| Premises and equipment expense | $547,000 | 3,508 |
| Additional noninterest expense | $1,243,000 | 3,321 |
| Pre-tax net operating income | $1,063,000 | 5,121 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $712,000 | 5,404 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $712,000 | 5,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $277,000 | 4,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $712,000 | 5,375 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,884,000 | 5,079 |
| Total interest expense | $2,319,000 | 5,636 |
| Net interest income | $3,565,000 | 4,523 |
| Provision for loan and lease losses | $9,000 | 8,310 |
| Total noninterest income | $1,049,000 | 2,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $461,000 | 2,744 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $588,000 | 2,674 |
| Total noninterest expense | $3,450,000 | 3,664 |
| Salaries and employee benefits | $1,744,000 | 3,763 |
| Premises and equipment expense | $514,000 | 3,613 |
| Additional noninterest expense | $1,192,000 | 3,392 |
| Pre-tax net operating income | $1,155,000 | 5,000 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $316,000 | 5,038 |
| Income before extraordinary items | $843,000 | 5,020 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $843,000 | 5,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $89,000 | 6,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $840,080 | 4,946 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,683,000 | 5,275 |
| Total interest expense | $2,247,000 | 5,800 |
| Net interest income | $3,436,000 | 4,795 |
| Provision for loan and lease losses | $-141,000 | 10,806 |
| Total noninterest income | $934,000 | 3,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $514,000 | 2,773 |
| Total noninterest expense | $3,411,000 | 3,686 |
| Salaries and employee benefits | $1,762,000 | 3,714 |
| Premises and equipment expense | $489,000 | 3,778 |
| Additional noninterest expense | $1,160,000 | 3,444 |
| Pre-tax net operating income | $1,100,000 | 5,535 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $283,000 | 5,886 |
| Income before extraordinary items | $822,000 | 5,369 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $822,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $80,000 | 6,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $818,300 | 5,330 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,433,000 | 5,582 |
| Total interest expense | $2,455,000 | 5,585 |
| Net interest income | $2,978,000 | 5,473 |
| Provision for loan and lease losses | $71,000 | 5,818 |
| Total noninterest income | $892,000 | 3,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,985 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $568,000 | 2,670 |
| Total noninterest expense | $3,233,000 | 4,062 |
| Salaries and employee benefits | $1,691,000 | 3,870 |
| Premises and equipment expense | $494,000 | 3,819 |
| Additional noninterest expense | $1,048,000 | 4,242 |
| Pre-tax net operating income | $566,000 | 7,589 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $141,000 | 8,010 |
| Income before extraordinary items | $423,000 | 7,430 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $423,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,474 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $424,500 | 7,367 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 5,809 |
| Total interest expense | $2,444,000 | 5,664 |
| Net interest income | $2,777,000 | 5,848 |
| Provision for loan and lease losses | $-884,000 | 11,919 |
| Total noninterest income | $756,000 | 3,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $491,000 | 2,914 |
| Total noninterest expense | $4,071,000 | 3,268 |
| Salaries and employee benefits | $1,583,000 | 4,088 |
| Premises and equipment expense | $491,000 | 3,812 |
| Additional noninterest expense | $1,997,000 | 2,398 |
| Pre-tax net operating income | $346,000 | 9,416 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $87,000 | 9,448 |
| Income before extraordinary items | $259,000 | 9,335 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $259,000 | 9,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,021 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $259,000 | 9,311 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,536,000 | 6,112 |
| Total interest expense | $2,125,000 | 5,328 |
| Net interest income | $2,411,000 | 6,642 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $752,000 | 3,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,912 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $493,000 | 2,973 |
| Total noninterest expense | $3,615,000 | 3,741 |
| Salaries and employee benefits | $1,609,000 | 4,016 |
| Premises and equipment expense | $508,000 | 3,749 |
| Additional noninterest expense | $1,498,000 | 3,295 |
| Pre-tax net operating income | $-452,000 | 12,370 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-162,000 | 12,364 |
| Income before extraordinary items | $-290,000 | 12,271 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-290,000 | 12,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,502 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-290,000 | 12,288 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 5,692 |
| Total interest expense | $2,233,000 | 5,307 |
| Net interest income | $2,852,000 | 5,877 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $837,000 | 3,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $525,000 | 3,165 |
| Total noninterest expense | $3,954,000 | 3,527 |
| Salaries and employee benefits | $1,707,000 | 3,803 |
| Premises and equipment expense | $460,000 | 4,160 |
| Additional noninterest expense | $1,787,000 | 3,000 |
| Pre-tax net operating income | $-265,000 | 12,741 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-445,000 | 13,123 |
| Income before extraordinary items | $180,000 | 10,869 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $180,000 | 10,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,573,000 | 843 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $180,000 | 10,652 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 4,772 |
| Total interest expense | $3,436,000 | 4,611 |
| Net interest income | $3,676,000 | 4,796 |
| Provision for loan and lease losses | $2,358,000 | 1,016 |
| Total noninterest income | $851,000 | 3,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $423,000 | 3,289 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $428,000 | 3,543 |
| Total noninterest expense | $3,964,000 | 3,531 |
| Salaries and employee benefits | $1,727,000 | 3,700 |
| Premises and equipment expense | $466,000 | 4,222 |
| Additional noninterest expense | $1,771,000 | 3,098 |
| Pre-tax net operating income | $-1,795,000 | 13,610 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $-174,000 | 13,633 |
| Income before extraordinary items | $-1,628,000 | 13,640 |
| Extraordinary gains, net | $654,000 | 164 |
| Net income | $-974,000 | 13,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,708,000 | 1,075 |
| Cash dividends | $130,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,621,700 | 13,582 |
* 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.