Home > American Bank of the North > Income and Expense
American Bank of the North, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,550,000 | 4,651 |
| Total interest expense | $3,025,000 | 4,702 |
| Net interest income | $3,525,000 | 4,530 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $442,000 | 5,419 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $347,000 | 3,783 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $95,000 | 6,539 |
| Total noninterest expense | $2,243,000 | 5,314 |
| Salaries and employee benefits | $1,038,000 | 5,859 |
| Premises and equipment expense | $291,000 | 5,618 |
| Additional noninterest expense | $914,000 | 4,354 |
| Pre-tax net operating income | $1,589,000 | 3,712 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $43,000 | 6,831 |
| Income before extraordinary items | $1,546,000 | 3,151 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,546,000 | 3,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $977,000 | 2,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,546,000 | 3,054 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,897,000 | 5,150 |
| Total interest expense | $2,869,000 | 5,093 |
| Net interest income | $3,028,000 | 5,124 |
| Provision for loan and lease losses | $83,000 | 5,704 |
| Total noninterest income | $486,000 | 4,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,705 |
| Total noninterest expense | $1,857,000 | 5,952 |
| Salaries and employee benefits | $938,000 | 6,169 |
| Premises and equipment expense | $243,000 | 6,148 |
| Additional noninterest expense | $676,000 | 5,315 |
| Pre-tax net operating income | $1,574,000 | 3,937 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $160,000 | 5,801 |
| Income before extraordinary items | $1,406,000 | 3,422 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,406,000 | 3,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,868 |
| Cash dividends | $806,000 | 2,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,413,200 | 3,398 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,125,000 | 5,481 |
| Total interest expense | $2,235,000 | 5,587 |
| Net interest income | $2,890,000 | 5,307 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $504,000 | 4,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 3,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 4,959 |
| Total noninterest expense | $1,774,000 | 6,128 |
| Salaries and employee benefits | $888,000 | 6,366 |
| Premises and equipment expense | $227,000 | 6,401 |
| Additional noninterest expense | $659,000 | 5,475 |
| Pre-tax net operating income | $1,545,000 | 4,011 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $155,000 | 6,214 |
| Income before extraordinary items | $1,397,000 | 3,424 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,397,000 | 3,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,427 |
| Cash dividends | $920,000 | 2,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,390,700 | 3,405 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 5,608 |
| Total interest expense | $2,335,000 | 5,615 |
| Net interest income | $2,768,000 | 5,455 |
| Provision for loan and lease losses | $128,000 | 4,501 |
| Total noninterest income | $667,000 | 4,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 3,742 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $347,000 | 3,722 |
| Total noninterest expense | $1,998,000 | 5,606 |
| Salaries and employee benefits | $1,026,000 | 5,681 |
| Premises and equipment expense | $319,000 | 5,197 |
| Additional noninterest expense | $653,000 | 5,427 |
| Pre-tax net operating income | $1,309,000 | 4,587 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $130,000 | 7,104 |
| Income before extraordinary items | $1,173,000 | 4,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,173,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,530 |
| Cash dividends | $658,000 | 2,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,178,400 | 3,901 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,890,000 | 5,893 |
| Total interest expense | $2,281,000 | 5,743 |
| Net interest income | $2,609,000 | 5,882 |
| Provision for loan and lease losses | $172,000 | 3,837 |
| Total noninterest income | $657,000 | 4,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $360,000 | 3,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 3,953 |
| Total noninterest expense | $1,887,000 | 5,882 |
| Salaries and employee benefits | $995,000 | 5,893 |
| Premises and equipment expense | $297,000 | 5,476 |
| Additional noninterest expense | $595,000 | 5,843 |
| Pre-tax net operating income | $1,207,000 | 5,231 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $204,000 | 6,823 |
| Income before extraordinary items | $1,008,000 | 4,674 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,008,000 | 4,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,726 |
| Cash dividends | $340,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,003,850 | 4,626 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 6,886 |
| Total interest expense | $1,639,000 | 7,238 |
| Net interest income | $2,348,000 | 6,480 |
| Provision for loan and lease losses | $77,000 | 5,672 |
| Total noninterest income | $706,000 | 4,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,519 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,841 |
| Total noninterest expense | $1,838,000 | 6,300 |
| Salaries and employee benefits | $1,004,000 | 5,969 |
| Premises and equipment expense | $290,000 | 5,723 |
| Additional noninterest expense | $544,000 | 6,732 |
| Pre-tax net operating income | $1,139,000 | 5,291 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $457,000 | 4,449 |
| Income before extraordinary items | $682,000 | 5,838 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $682,000 | 5,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $450,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $682,000 | 5,783 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,587,000 | 7,438 |
| Total interest expense | $1,478,000 | 7,760 |
| Net interest income | $2,109,000 | 7,060 |
| Provision for loan and lease losses | $23,000 | 7,541 |
| Total noninterest income | $557,000 | 4,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 3,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,758 |
| Total noninterest expense | $1,768,000 | 6,549 |
| Salaries and employee benefits | $950,000 | 6,296 |
| Premises and equipment expense | $245,000 | 6,430 |
| Additional noninterest expense | $573,000 | 6,701 |
| Pre-tax net operating income | $875,000 | 6,534 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $342,000 | 5,536 |
| Income before extraordinary items | $509,000 | 7,184 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $509,000 | 7,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $524,360 | 7,048 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 7,789 |
| Total interest expense | $1,153,000 | 8,083 |
| Net interest income | $2,024,000 | 7,512 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $433,000 | 5,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,154 |
| Total noninterest expense | $1,668,000 | 7,078 |
| Salaries and employee benefits | $865,000 | 6,848 |
| Premises and equipment expense | $243,000 | 6,633 |
| Additional noninterest expense | $560,000 | 7,344 |
| Pre-tax net operating income | $724,000 | 7,262 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $294,000 | 5,955 |
| Income before extraordinary items | $419,000 | 8,005 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $419,000 | 8,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $426,040 | 7,981 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 8,264 |
| Total interest expense | $1,040,000 | 8,923 |
| Net interest income | $2,002,000 | 7,663 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $440,000 | 6,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 5,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,775 |
| Total noninterest expense | $1,545,000 | 7,674 |
| Salaries and employee benefits | $746,000 | 7,670 |
| Premises and equipment expense | $248,000 | 6,711 |
| Additional noninterest expense | $551,000 | 7,760 |
| Pre-tax net operating income | $843,000 | 6,607 |
| Securities gains (losses) | $100,000 | 2,512 |
| Applicable income taxes | $380,000 | 5,186 |
| Income before extraordinary items | $563,000 | 7,053 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $563,000 | 7,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $175,000 | 5,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $499,000 | 7,309 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,055,000 | 8,884 |
| Total interest expense | $1,195,000 | 9,623 |
| Net interest income | $1,860,000 | 8,169 |
| Provision for loan and lease losses | $102,000 | 7,202 |
| Total noninterest income | $434,000 | 6,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 5,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,899 |
| Total noninterest expense | $1,480,000 | 7,984 |
| Salaries and employee benefits | $674,000 | 8,192 |
| Premises and equipment expense | $266,000 | 6,505 |
| Additional noninterest expense | $540,000 | 8,084 |
| Pre-tax net operating income | $712,000 | 7,031 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $305,000 | 5,864 |
| Income before extraordinary items | $457,000 | 7,675 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $457,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 7,468 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $425,000 | 7,609 |
* 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.