Home > American Interstate Bank > Income and Expense

American Interstate Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$426,000	7,798
Total interest expense	$101,000	7,836
Net interest income	$325,000	7,693
Provision for loan and lease losses	$0	6,501
Total noninterest income	$823,000	1,459
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$30,000	6,194
Trading account gains and fees	$0	121
Additional Noninterest Income	$793,000	932
Total noninterest expense	$219,000	8,109
Salaries and employee benefits	$119,000	8,132
Premises and equipment expense	$38,000	7,364
Additional noninterest expense	$62,000	8,094
Pre-tax net operating income	$929,000	2,141
Securities gains (losses)	$0	2,934
Applicable income taxes	$345,000	1,743
Income before extraordinary items	$584,000	2,567
Extraordinary gains, net	$0	16
Net income	$584,000	2,568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,804
Cash dividends	$500,000	1,176
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$584,000	2,479
2003-12-31 (YTD Data)		Rank
Total interest income	$2,497,000	7,036
Total interest expense	$726,000	6,942
Net interest income	$1,771,000	6,943
Provision for loan and lease losses	$-52,000	8,990
Total noninterest income	$1,239,000	3,234
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$199,000	5,275
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,040,000	2,330
Total noninterest expense	$1,062,000	7,750
Salaries and employee benefits	$571,000	7,820
Premises and equipment expense	$219,000	6,546
Additional noninterest expense	$272,000	7,944
Pre-tax net operating income	$2,000,000	3,404
Securities gains (losses)	$0	4,500
Applicable income taxes	$707,000	2,781
Income before extraordinary items	$1,293,000	3,940
Extraordinary gains, net	$0	54
Net income	$1,293,000	3,942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,392
Cash dividends	$1,600,000	1,645
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,293,000	3,774
2003-09-30 (YTD Data)		Rank
Total interest income	$1,947,000	7,023
Total interest expense	$577,000	6,957
Net interest income	$1,370,000	6,899
Provision for loan and lease losses	$-27,000	9,064
Total noninterest income	$250,000	6,408
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$154,000	5,246
Trading account gains and fees	$0	153
Additional Noninterest Income	$96,000	6,163
Total noninterest expense	$797,000	7,743
Salaries and employee benefits	$428,000	7,782
Premises and equipment expense	$162,000	6,596
Additional noninterest expense	$207,000	7,931
Pre-tax net operating income	$850,000	4,973
Securities gains (losses)	$0	4,204
Applicable income taxes	$286,000	4,002
Income before extraordinary items	$564,000	5,564
Extraordinary gains, net	$0	40
Net income	$564,000	5,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,464
Cash dividends	$500,000	2,668
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$564,000	5,376
2003-06-30 (YTD Data)		Rank
Total interest income	$1,332,000	6,998
Total interest expense	$406,000	6,942
Net interest income	$926,000	6,876
Provision for loan and lease losses	$0	7,324
Total noninterest income	$175,000	6,289
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$101,000	5,264
Trading account gains and fees	$0	150
Additional Noninterest Income	$74,000	5,881
Total noninterest expense	$516,000	7,827
Salaries and employee benefits	$285,000	7,816
Premises and equipment expense	$110,000	6,521
Additional noninterest expense	$121,000	8,157
Pre-tax net operating income	$585,000	4,899
Securities gains (losses)	$0	3,782
Applicable income taxes	$194,000	4,034
Income before extraordinary items	$391,000	5,474
Extraordinary gains, net	$0	30
Net income	$391,000	5,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$375,000	2,557
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$391,000	5,263
2003-03-31 (YTD Data)		Rank
Total interest income	$672,000	7,016
Total interest expense	$214,000	6,888
Net interest income	$458,000	6,909
Provision for loan and lease losses	$0	6,934
Total noninterest income	$105,000	5,786
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$50,000	5,192
Trading account gains and fees	$0	134
Additional Noninterest Income	$55,000	5,085
Total noninterest expense	$260,000	7,841
Salaries and employee benefits	$145,000	7,801
Premises and equipment expense	$55,000	6,522
Additional noninterest expense	$60,000	8,208
Pre-tax net operating income	$303,000	4,766
Securities gains (losses)	$0	2,891
Applicable income taxes	$96,000	4,015
Income before extraordinary items	$207,000	5,241
Extraordinary gains, net	$0	21
Net income	$207,000	5,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,384
Cash dividends	$200,000	2,197
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$207,000	5,048
2002-12-31 (YTD Data)		Rank
Total interest income	$3,161,000	6,684
Total interest expense	$1,145,000	6,556
Net interest income	$2,016,000	6,608
Provision for loan and lease losses	$0	8,089
Total noninterest income	$326,000	6,270
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$190,000	5,314
Trading account gains and fees	$0	153
Additional Noninterest Income	$136,000	5,810
Total noninterest expense	$1,049,000	7,837
Salaries and employee benefits	$570,000	7,842
Premises and equipment expense	$223,000	6,487
Additional noninterest expense	$256,000	8,131
Pre-tax net operating income	$1,293,000	4,506
Securities gains (losses)	$0	4,537
Applicable income taxes	$463,000	3,610
Income before extraordinary items	$830,000	5,094
Extraordinary gains, net	$0	70
Net income	$830,000	5,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,791
Cash dividends	$825,000	2,597
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$830,000	4,971
2001-12-31 (YTD Data)		Rank
Total interest income	$3,892,000	6,443
Total interest expense	$1,857,000	6,332
Net interest income	$2,035,000	6,383
Provision for loan and lease losses	$195,000	4,194
Total noninterest income	$250,000	6,863
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$164,000	5,607
Trading account gains and fees	$0	177
Additional Noninterest Income	$86,000	6,743
Total noninterest expense	$1,066,000	7,789
Salaries and employee benefits	$570,000	7,806
Premises and equipment expense	$215,000	6,569
Additional noninterest expense	$281,000	7,994
Pre-tax net operating income	$1,024,000	4,844
Securities gains (losses)	$0	4,612
Applicable income taxes	$355,000	3,952
Income before extraordinary items	$669,000	5,338
Extraordinary gains, net	$0	105
Net income	$669,000	5,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	3,040
Cash dividends	$1,150,000	2,030
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$669,000	5,215
2000-12-31 (YTD Data)		Rank
Total interest income	$3,987,000	6,502
Total interest expense	$1,844,000	6,523
Net interest income	$2,143,000	6,359
Provision for loan and lease losses	$35,000	7,078
Total noninterest income	$230,000	6,981
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	6,735
Total noninterest expense	$1,090,000	7,769
Salaries and employee benefits	$567,000	7,876
Premises and equipment expense	$206,000	6,674
Additional noninterest expense	$317,000	7,810
Pre-tax net operating income	$1,248,000	4,627
Securities gains (losses)	$0	1,956
Applicable income taxes	$434,000	3,813
Income before extraordinary items	$814,000	4,996
Extraordinary gains, net	$0	38
Net income	$814,000	4,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,493
Cash dividends	$500,000	3,528
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$814,000	4,989
1999-12-31 (YTD Data)		Rank
Total interest income	$3,704,000	6,612
Total interest expense	$1,662,000	6,612
Net interest income	$2,042,000	6,571
Provision for loan and lease losses	$0	8,503
Total noninterest income	$219,000	7,262
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,962
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,256
Total noninterest expense	$1,123,000	7,781
Salaries and employee benefits	$610,000	7,704
Premises and equipment expense	$215,000	6,570
Additional noninterest expense	$298,000	8,132
Pre-tax net operating income	$1,138,000	4,929
Securities gains (losses)	$0	3,155
Applicable income taxes	$377,000	4,310
Income before extraordinary items	$761,000	5,229
Extraordinary gains, net	$0	35
Net income	$761,000	5,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,395
Cash dividends	$750,000	2,766
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$761,000	5,195
1998-12-31 (YTD Data)		Rank
Total interest income	$3,929,000	6,539
Total interest expense	$1,885,000	6,383
Net interest income	$2,044,000	6,593
Provision for loan and lease losses	$0	8,652
Total noninterest income	$257,000	6,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$170,000	5,608
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	6,959
Total noninterest expense	$1,126,000	7,748
Salaries and employee benefits	$618,000	7,657
Premises and equipment expense	$227,000	6,307
Additional noninterest expense	$281,000	8,298
Pre-tax net operating income	$1,175,000	4,957
Securities gains (losses)	$0	4,449
Applicable income taxes	$408,000	4,364
Income before extraordinary items	$767,000	5,327
Extraordinary gains, net	$0	32
Net income	$767,000	5,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$700,000	2,837
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$767,000	5,218
1997-12-31 (YTD Data)		Rank
Total interest income	$3,974,000	6,683
Total interest expense	$1,922,000	6,417
Net interest income	$2,052,000	6,812
Provision for loan and lease losses	$0	8,829
Total noninterest income	$279,000	6,898
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$203,000	5,295
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,510
Total noninterest expense	$1,203,000	7,667
Salaries and employee benefits	$613,000	7,832
Premises and equipment expense	$248,000	6,083
Additional noninterest expense	$342,000	7,882
Pre-tax net operating income	$1,128,000	5,441
Securities gains (losses)	$0	3,944
Applicable income taxes	$419,000	4,740
Income before extraordinary items	$709,000	5,859
Extraordinary gains, net	$0	44
Net income	$709,000	5,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,223
Cash dividends	$1,175,000	1,930
Sale, conversion, retirement of capital stock, net	$3,571,000	277
Net operating income	$709,000	5,817
1996-12-31 (YTD Data)		Rank
Total interest income	$975,000	10,858
Total interest expense	$445,000	10,756
Net interest income	$530,000	10,826
Provision for loan and lease losses	$-62,000	11,221
Total noninterest income	$70,000	10,476
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	8,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	10,581
Total noninterest expense	$278,000	11,269
Salaries and employee benefits	$145,000	11,254
Premises and equipment expense	$42,000	10,856
Additional noninterest expense	$91,000	11,150
Pre-tax net operating income	$384,000	8,611
Securities gains (losses)	$0	4,148
Applicable income taxes	$126,000	8,285
Income before extraordinary items	$258,000	8,769
Extraordinary gains, net	$0	53
Net income	$258,000	8,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,310
Cash dividends	$225,000	5,172
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$258,000	8,704
1995-12-31 (YTD Data)		Rank
Total interest income	$939,000	11,378
Total interest expense	$393,000	11,350
Net interest income	$546,000	11,284
Provision for loan and lease losses	$0	8,958
Total noninterest income	$71,000	10,936
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	9,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,268
Total noninterest expense	$278,000	11,761
Salaries and employee benefits	$136,000	11,781
Premises and equipment expense	$40,000	11,383
Additional noninterest expense	$102,000	11,596
Pre-tax net operating income	$339,000	9,466
Securities gains (losses)	$0	3,831
Applicable income taxes	$121,000	8,778
Income before extraordinary items	$218,000	9,737
Extraordinary gains, net	$0	65
Net income	$218,000	9,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,662
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$218,000	9,707
1994-12-31 (YTD Data)		Rank
Total interest income	$814,000	12,047
Total interest expense	$289,000	12,073
Net interest income	$525,000	11,927
Provision for loan and lease losses	$0	9,146
Total noninterest income	$80,000	11,248
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	11,420
Total noninterest expense	$299,000	12,359
Salaries and employee benefits	$141,000	12,392
Premises and equipment expense	$43,000	11,893
Additional noninterest expense	$115,000	12,162
Pre-tax net operating income	$306,000	10,101
Securities gains (losses)	$0	3,600
Applicable income taxes	$111,000	9,116
Income before extraordinary items	$195,000	10,329
Extraordinary gains, net	$0	249
Net income	$195,000	10,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,455
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$195,000	10,377
1993-12-31 (YTD Data)		Rank
Total interest income	$797,000	12,680
Total interest expense	$298,000	12,690
Net interest income	$499,000	12,554
Provision for loan and lease losses	$0	10,371
Total noninterest income	$79,000	11,824
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	9,544
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	12,399
Total noninterest expense	$310,000	12,952
Salaries and employee benefits	$134,000	13,070
Premises and equipment expense	$46,000	12,340
Additional noninterest expense	$130,000	12,659
Pre-tax net operating income	$268,000	10,483
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$94,000	9,895
Income before extraordinary items	$177,000	10,908
Extraordinary gains, net	$0	3,149
Net income	$177,000	11,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	12,031
Cash dividends	$275,000	4,630
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$175,050	10,726
1992-12-31 (YTD Data)		Rank
Total interest income	$907,000	13,179
Total interest expense	$391,000	13,211
Net interest income	$516,000	13,030
Provision for loan and lease losses	$0	11,756
Total noninterest income	$81,000	12,253
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	12,406
Total noninterest expense	$285,000	13,603
Salaries and employee benefits	$130,000	13,679
Premises and equipment expense	$44,000	12,911
Additional noninterest expense	$111,000	13,421
Pre-tax net operating income	$312,000	10,014
Securities gains (losses)	$0	8,369
Applicable income taxes	$110,000	9,648
Income before extraordinary items	$202,000	10,570
Extraordinary gains, net	$0	1,422
Net income	$202,000	10,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	13,072
Cash dividends	$175,000	5,409
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$202,000	10,232

* 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.