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American General Financial Center, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$275,00010,321
Total interest expense$118,00010,284
Net interest income$157,00010,335
Provision for loan and lease losses$08,652
Total noninterest income$7,220,000731
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$7,220,000513
Total noninterest expense$6,492,0002,017
Salaries and employee benefits$487,0008,439
Premises and equipment expense$181,0007,033
Additional noninterest expense$5,824,000866
Pre-tax net operating income$885,0005,787
Securities gains (losses)$04,449
Applicable income taxes$307,0005,109
Income before extraordinary items$578,0006,168
Extraordinary gains, net$032
Net income$578,0006,168
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$578,0006,057
1997-12-31 (YTD Data)Rank
Total interest income$679,00010,585
Total interest expense$187,00010,688
Net interest income$492,00010,386
Provision for loan and lease losses$-261,00010,843
Total noninterest income$25,248,000304
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$25,248,000233
Total noninterest expense$22,101,000687
Salaries and employee benefits$897,0006,306
Premises and equipment expense$340,0005,014
Additional noninterest expense$20,864,000328
Pre-tax net operating income$3,900,0001,924
Securities gains (losses)$03,944
Applicable income taxes$1,384,0001,840
Income before extraordinary items$2,516,0002,098
Extraordinary gains, net$044
Net income$2,516,0002,097
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0003,973
Cash dividends$10,000,000363
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,516,0002,050
1996-12-31 (YTD Data)Rank
Total interest income$2,485,0008,712
Total interest expense$321,00011,035
Net interest income$2,164,0006,830
Provision for loan and lease losses$349,0002,330
Total noninterest income$40,728,000263
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$09,915
Trading account gains and fees$0262
Additional Noninterest Income$40,728,000193
Total noninterest expense$40,263,000457
Salaries and employee benefits$2,127,0003,144
Premises and equipment expense$810,0002,423
Additional noninterest expense$37,326,000289
Pre-tax net operating income$2,280,0003,057
Securities gains (losses)$04,148
Applicable income taxes$574,0003,716
Income before extraordinary items$1,706,0002,842
Extraordinary gains, net$053
Net income$1,706,0002,843
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$349,0001,858
Cash dividends$3,000,000948
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,706,0002,800
1995-12-31 (YTD Data)Rank
Total interest income$3,174,0007,966
Total interest expense$406,00011,309
Net interest income$2,768,0005,868
Provision for loan and lease losses$468,0001,666
Total noninterest income$48,359,000235
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$010,339
Trading account gains and fees$0522
Additional Noninterest Income$48,359,000159
Total noninterest expense$46,815,000417
Salaries and employee benefits$2,804,0002,365
Premises and equipment expense$849,0002,354
Additional noninterest expense$43,162,000258
Pre-tax net operating income$3,844,0001,929
Securities gains (losses)$03,831
Applicable income taxes$1,438,0001,706
Income before extraordinary items$2,406,0002,097
Extraordinary gains, net$065
Net income$2,406,0002,095
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$418,0001,552
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,406,0002,068
1994-12-31 (YTD Data)Rank
Total interest income$25,926,0001,209
Total interest expense$4,290,0002,855
Net interest income$21,636,000861
Provision for loan and lease losses$7,580,000224
Total noninterest income$41,753,000249
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$3,00010,814
Trading account gains and fees$0475
Additional Noninterest Income$41,750,000173
Total noninterest expense$36,397,000496
Salaries and employee benefits$4,116,0001,625
Premises and equipment expense$809,0002,505
Additional noninterest expense$31,472,000322
Pre-tax net operating income$19,412,000470
Securities gains (losses)$03,600
Applicable income taxes$6,982,000448
Income before extraordinary items$12,430,000482
Extraordinary gains, net$0249
Net income$12,430,000480
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,981,000295
Cash dividends$54,120,000109
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$12,430,000482
1993-12-31 (YTD Data)Rank
Total interest income$16,950,0001,853
Total interest expense$1,841,0006,237
Net interest income$15,109,0001,202
Provision for loan and lease losses$4,330,000481
Total noninterest income$18,924,000394
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$2,00011,313
Trading account gains and fees$0532
Additional Noninterest Income$18,922,000288
Total noninterest expense$21,415,000788
Salaries and employee benefits$5,781,0001,171
Premises and equipment expense$1,587,0001,344
Additional noninterest expense$14,047,000602
Pre-tax net operating income$8,288,000887
Securities gains (losses)$07,477
Applicable income taxes$2,974,000866
Income before extraordinary items$5,314,000975
Extraordinary gains, net$-126,00012,965
Net income$5,188,0001,026
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,708,000493
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$5,314,000918
1992-12-31 (YTD Data)Rank
Total interest income$58,086,000684
Total interest expense$17,302,0001,048
Net interest income$40,784,000521
Provision for loan and lease losses$-3,468,00013,927
Total noninterest income$6,508,000808
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,00011,741
Trading account gains and fees$0504
Additional Noninterest Income$6,507,000561
Total noninterest expense$22,523,000769
Salaries and employee benefits$4,601,0001,447
Premises and equipment expense$996,0002,102
Additional noninterest expense$16,926,000525
Pre-tax net operating income$28,237,000264
Securities gains (losses)$08,369
Applicable income taxes$9,827,000279
Income before extraordinary items$18,410,000293
Extraordinary gains, net$01,422
Net income$18,410,000292
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,647,000223
Cash dividends$10,405,000205
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$18,410,000262

* 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.