Home > American Trust Bank > Income and Expense
American Trust Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $57,777,000 | 619 |
| Total interest expense | $25,563,000 | 661 |
| Net interest income | $32,214,000 | 580 |
| Provision for loan and lease losses | $-40,000 | 10,700 |
| Total noninterest income | $8,474,000 | 639 |
| Gross Fiduciary activities income | $686,000 | 568 |
| Service charges on deposit accounts | $2,159,000 | 602 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,629,000 | 570 |
| Total noninterest expense | $23,815,000 | 633 |
| Salaries and employee benefits | $10,587,000 | 648 |
| Premises and equipment expense | $3,274,000 | 637 |
| Additional noninterest expense | $9,954,000 | 594 |
| Pre-tax net operating income | $16,913,000 | 524 |
| Securities gains (losses) | $-97,000 | 10,763 |
| Applicable income taxes | $6,058,000 | 534 |
| Income before extraordinary items | $10,758,000 | 554 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,758,000 | 554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,309,000 | 660 |
| Cash dividends | $7,512,000 | 458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $10,820,080 | 537 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $30,664,000 | 1,129 |
| Total interest expense | $13,649,000 | 1,201 |
| Net interest income | $17,015,000 | 1,064 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $4,646,000 | 998 |
| Gross Fiduciary activities income | $764,000 | 587 |
| Service charges on deposit accounts | $1,345,000 | 986 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,537,000 | 989 |
| Total noninterest expense | $13,592,000 | 1,092 |
| Salaries and employee benefits | $5,116,000 | 1,312 |
| Premises and equipment expense | $1,958,000 | 1,080 |
| Additional noninterest expense | $6,518,000 | 935 |
| Pre-tax net operating income | $8,069,000 | 952 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $2,736,000 | 943 |
| Income before extraordinary items | $5,330,000 | 984 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,330,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $592,000 | 1,248 |
| Cash dividends | $4,719,000 | 700 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,331,980 | 967 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,469,000 | 6,488 |
| Total interest expense | $1,718,000 | 7,094 |
| Net interest income | $2,751,000 | 5,892 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $464,000 | 5,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,395 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,579 |
| Total noninterest expense | $1,807,000 | 6,438 |
| Salaries and employee benefits | $634,000 | 8,153 |
| Premises and equipment expense | $298,000 | 5,659 |
| Additional noninterest expense | $875,000 | 4,890 |
| Pre-tax net operating income | $1,408,000 | 4,672 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $493,000 | 4,238 |
| Income before extraordinary items | $915,000 | 4,933 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $915,000 | 4,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,693 |
| Cash dividends | $539,000 | 3,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $915,000 | 4,920 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 6,639 |
| Total interest expense | $1,273,000 | 7,645 |
| Net interest income | $2,774,000 | 5,963 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $432,000 | 5,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 5,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 5,282 |
| Total noninterest expense | $1,895,000 | 6,466 |
| Salaries and employee benefits | $770,000 | 7,381 |
| Premises and equipment expense | $288,000 | 5,894 |
| Additional noninterest expense | $837,000 | 5,493 |
| Pre-tax net operating income | $1,311,000 | 4,913 |
| Securities gains (losses) | $-115,000 | 11,630 |
| Applicable income taxes | $417,000 | 4,615 |
| Income before extraordinary items | $779,000 | 5,463 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $779,000 | 5,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $845,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $853,750 | 5,148 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 6,418 |
| Total interest expense | $1,360,000 | 7,675 |
| Net interest income | $3,038,000 | 5,601 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $350,000 | 7,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,610 |
| Total noninterest expense | $2,218,000 | 5,828 |
| Salaries and employee benefits | $888,000 | 6,789 |
| Premises and equipment expense | $343,000 | 5,314 |
| Additional noninterest expense | $987,000 | 4,973 |
| Pre-tax net operating income | $1,070,000 | 5,619 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $359,000 | 5,395 |
| Income before extraordinary items | $716,000 | 6,020 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $716,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 4,392 |
| Cash dividends | $265,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $712,650 | 5,763 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,293,000 | 6,092 |
| Total interest expense | $2,265,000 | 6,474 |
| Net interest income | $3,028,000 | 5,666 |
| Provision for loan and lease losses | $371,000 | 3,620 |
| Total noninterest income | $358,000 | 7,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,283 |
| Total noninterest expense | $2,379,000 | 5,526 |
| Salaries and employee benefits | $950,000 | 6,331 |
| Premises and equipment expense | $316,000 | 5,755 |
| Additional noninterest expense | $1,113,000 | 4,644 |
| Pre-tax net operating income | $636,000 | 7,477 |
| Securities gains (losses) | $32,000 | 4,877 |
| Applicable income taxes | $210,000 | 7,363 |
| Income before extraordinary items | $458,000 | 7,667 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $458,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $435,920 | 7,525 |
* 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.