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Eastern American Bank, FSB, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$6,124,000	5,107
Total interest expense	$3,898,000	3,809
Net interest income	$2,226,000	6,711
Provision for loan and lease losses	$195,000	3,475
Total noninterest income	$717,000	4,044
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$717,000	2,257
Total noninterest expense	$2,989,000	4,323
Salaries and employee benefits	$989,000	6,040
Premises and equipment expense	$882,000	2,249
Additional noninterest expense	$1,118,000	4,008
Pre-tax net operating income	$-241,000	11,104
Securities gains (losses)	$182,000	730
Applicable income taxes	$-70,000	11,126
Income before extraordinary items	$11,000	10,773
Extraordinary gains, net	$0	53
Net income	$11,000	10,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	3,029
Cash dividends	$94,000	6,848
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-105,480	10,963
1995-12-31 (YTD Data)		Rank
Total interest income	$5,460,000	5,616
Total interest expense	$3,829,000	3,821
Net interest income	$1,631,000	8,191
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$1,214,000	2,693
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,214,000	1,584
Total noninterest expense	$2,375,000	5,217
Salaries and employee benefits	$918,000	6,473
Premises and equipment expense	$799,000	2,475
Additional noninterest expense	$658,000	6,140
Pre-tax net operating income	$410,000	9,004
Securities gains (losses)	$137,000	819
Applicable income taxes	$200,000	7,408
Income before extraordinary items	$347,000	8,506
Extraordinary gains, net	$0	65
Net income	$347,000	8,510
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,558
Cash dividends	$117,000	6,548
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$259,320	9,308
1994-12-31 (YTD Data)		Rank
Total interest income	$4,639,000	6,016
Total interest expense	$2,957,000	4,010
Net interest income	$1,682,000	8,351
Provision for loan and lease losses	$39,000	6,667
Total noninterest income	$491,000	5,359
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$491,000	2,984
Total noninterest expense	$1,922,000	6,401
Salaries and employee benefits	$834,000	7,020
Premises and equipment expense	$583,000	3,355
Additional noninterest expense	$505,000	7,794
Pre-tax net operating income	$212,000	10,804
Securities gains (losses)	$62,000	1,024
Applicable income taxes	$92,000	9,543
Income before extraordinary items	$182,000	10,474
Extraordinary gains, net	$0	249
Net income	$182,000	10,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	11,511
Cash dividends	$102,000	6,812
Sale, conversion, retirement of capital stock, net	$710,000	490
Net operating income	$141,080	10,984
1993-12-31 (YTD Data)		Rank
Total interest income	$3,951,000	6,926
Total interest expense	$2,441,000	4,932
Net interest income	$1,510,000	9,077
Provision for loan and lease losses	$128,000	5,054
Total noninterest income	$396,000	6,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$396,000	3,778
Total noninterest expense	$1,574,000	7,577
Salaries and employee benefits	$648,000	8,408
Premises and equipment expense	$463,000	4,143
Additional noninterest expense	$463,000	8,583
Pre-tax net operating income	$204,000	11,002
Securities gains (losses)	$319,000	1,243
Applicable income taxes	$102,000	9,679
Income before extraordinary items	$421,000	8,224
Extraordinary gains, net	$0	3,149
Net income	$421,000	8,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,735
Cash dividends	$42,000	8,158
Sale, conversion, retirement of capital stock, net	$5,000	1,167
Net operating income	$165,800	10,817
1992-12-31 (YTD Data)		Rank
Total interest income	$4,278,000	7,156
Total interest expense	$2,961,000	5,221
Net interest income	$1,317,000	9,922
Provision for loan and lease losses	$107,000	7,099
Total noninterest income	$266,000	8,237
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$266,000	4,770
Total noninterest expense	$1,418,000	8,216
Salaries and employee benefits	$570,000	9,084
Premises and equipment expense	$372,000	5,092
Additional noninterest expense	$476,000	8,683
Pre-tax net operating income	$58,000	12,366
Securities gains (losses)	$239,000	1,778
Applicable income taxes	$0	12,680
Income before extraordinary items	$297,000	9,372
Extraordinary gains, net	$0	1,422
Net income	$297,000	9,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	9,883
Cash dividends	$26,000	8,330
Sale, conversion, retirement of capital stock, net	$416,000	590
Net operating income	$58,000	12,204

* 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.