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American Interstate Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,174,000	10,558
Total interest expense	$546,000	10,457
Net interest income	$628,000	10,586
Provision for loan and lease losses	$-25,000	11,143
Total noninterest income	$130,000	9,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	8,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,053
Total noninterest expense	$467,000	10,715
Salaries and employee benefits	$218,000	10,913
Premises and equipment expense	$79,000	9,841
Additional noninterest expense	$170,000	10,300
Pre-tax net operating income	$316,000	9,022
Securities gains (losses)	$0	4,148
Applicable income taxes	$114,000	8,499
Income before extraordinary items	$202,000	9,277
Extraordinary gains, net	$0	53
Net income	$202,000	9,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,393
Cash dividends	$500,000	3,368
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$202,000	9,217
1995-12-31 (YTD Data)		Rank
Total interest income	$1,552,000	10,433
Total interest expense	$741,000	10,155
Net interest income	$811,000	10,501
Provision for loan and lease losses	$0	8,958
Total noninterest income	$84,000	10,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	8,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$571,000	10,701
Salaries and employee benefits	$246,000	11,191
Premises and equipment expense	$97,000	9,693
Additional noninterest expense	$228,000	10,088
Pre-tax net operating income	$324,000	9,580
Securities gains (losses)	$0	3,831
Applicable income taxes	$110,000	8,977
Income before extraordinary items	$214,000	9,786
Extraordinary gains, net	$0	65
Net income	$214,000	9,790
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	2,345
Cash dividends	$725,000	2,600
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$214,000	9,752
1994-12-31 (YTD Data)		Rank
Total interest income	$1,818,000	10,129
Total interest expense	$737,000	9,891
Net interest income	$1,081,000	10,137
Provision for loan and lease losses	$8,000	8,632
Total noninterest income	$102,000	10,687
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,301
Total noninterest expense	$685,000	10,767
Salaries and employee benefits	$308,000	11,133
Premises and equipment expense	$103,000	9,932
Additional noninterest expense	$274,000	10,252
Pre-tax net operating income	$490,000	8,727
Securities gains (losses)	$0	3,600
Applicable income taxes	$181,000	7,689
Income before extraordinary items	$309,000	9,047
Extraordinary gains, net	$0	249
Net income	$309,000	9,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,355
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$309,000	9,121
1993-12-31 (YTD Data)		Rank
Total interest income	$2,043,000	10,092
Total interest expense	$943,000	9,363
Net interest income	$1,100,000	10,411
Provision for loan and lease losses	$68,000	6,717
Total noninterest income	$135,000	10,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	7,920
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,177
Total noninterest expense	$775,000	10,793
Salaries and employee benefits	$306,000	11,583
Premises and equipment expense	$90,000	10,795
Additional noninterest expense	$379,000	9,492
Pre-tax net operating income	$392,000	9,469
Securities gains (losses)	$0	7,477
Applicable income taxes	$143,000	8,793
Income before extraordinary items	$249,000	10,054
Extraordinary gains, net	$0	3,149
Net income	$249,000	10,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$249,000	9,805
1992-12-31 (YTD Data)		Rank
Total interest income	$2,722,000	9,492
Total interest expense	$1,408,000	8,819
Net interest income	$1,314,000	9,933
Provision for loan and lease losses	$746,000	2,268
Total noninterest income	$140,000	10,689
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	8,311
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	11,562
Total noninterest expense	$921,000	10,363
Salaries and employee benefits	$381,000	11,076
Premises and equipment expense	$98,000	10,802
Additional noninterest expense	$442,000	9,073
Pre-tax net operating income	$-213,000	13,109
Securities gains (losses)	$36,000	4,684
Applicable income taxes	$-41,000	13,481
Income before extraordinary items	$-136,000	13,106
Extraordinary gains, net	$0	1,422
Net income	$-136,000	13,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$535,000	2,358
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-163,720	13,007

* 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.