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European American Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,128,041,000	73
Total interest expense	$646,998,000	67
Net interest income	$481,043,000	72
Provision for loan and lease losses	$34,500,000	111
Total noninterest income	$106,474,000	155
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$49,799,000	65
Trading account gains and fees	$133,000	118
Additional Noninterest Income	$56,542,000	161
Total noninterest expense	$355,963,000	99
Salaries and employee benefits	$131,883,000	96
Premises and equipment expense	$46,189,000	88
Additional noninterest expense	$177,891,000	98
Pre-tax net operating income	$197,054,000	84
Securities gains (losses)	$1,259,000	145
Applicable income taxes	$55,158,000	110
Income before extraordinary items	$143,155,000	76
Extraordinary gains, net	$0	38
Net income	$143,155,000	76
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,131,000	95
Cash dividends	$20,780,000	236
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$142,248,520	79
1999-12-31 (YTD Data)		Rank
Total interest income	$1,002,070,000	74
Total interest expense	$497,410,000	71
Net interest income	$504,660,000	73
Provision for loan and lease losses	$38,000,000	89
Total noninterest income	$113,900,000	150
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$45,499,000	68
Trading account gains and fees	$100,000	119
Additional Noninterest Income	$68,301,000	157
Total noninterest expense	$332,061,000	96
Salaries and employee benefits	$121,770,000	100
Premises and equipment expense	$41,739,000	95
Additional noninterest expense	$168,552,000	96
Pre-tax net operating income	$248,499,000	79
Securities gains (losses)	$-68,000	9,872
Applicable income taxes	$90,542,000	83
Income before extraordinary items	$157,889,000	81
Extraordinary gains, net	$0	35
Net income	$157,889,000	82
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,254,000	106
Cash dividends	$270,779,000	41
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$157,932,520	79
1998-12-31 (YTD Data)		Rank
Total interest income	$827,749,000	81
Total interest expense	$389,904,000	83
Net interest income	$437,845,000	78
Provision for loan and lease losses	$29,500,000	106
Total noninterest income	$114,748,000	152
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$42,491,000	70
Trading account gains and fees	$0	224
Additional Noninterest Income	$72,257,000	154
Total noninterest expense	$328,748,000	97
Salaries and employee benefits	$112,270,000	103
Premises and equipment expense	$36,687,000	98
Additional noninterest expense	$179,791,000	92
Pre-tax net operating income	$194,345,000	86
Securities gains (losses)	$8,609,000	80
Applicable income taxes	$70,609,000	93
Income before extraordinary items	$132,345,000	87
Extraordinary gains, net	$0	32
Net income	$132,345,000	88
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,869,000	117
Cash dividends	$20,780,000	243
Sale, conversion, retirement of capital stock, net	$-66,000	10,331
Net operating income	$126,749,150	85
1997-12-31 (YTD Data)		Rank
Total interest income	$736,153,000	83
Total interest expense	$340,488,000	88
Net interest income	$395,665,000	81
Provision for loan and lease losses	$20,190,000	130
Total noninterest income	$77,605,000	168
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$41,164,000	71
Trading account gains and fees	$2,293,000	66
Additional Noninterest Income	$34,148,000	201
Total noninterest expense	$268,058,000	106
Salaries and employee benefits	$95,588,000	109
Premises and equipment expense	$36,028,000	94
Additional noninterest expense	$136,442,000	102
Pre-tax net operating income	$185,022,000	86
Securities gains (losses)	$12,158,000	41
Applicable income taxes	$75,908,000	78
Income before extraordinary items	$121,272,000	84
Extraordinary gains, net	$0	44
Net income	$121,272,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,623,000	98
Cash dividends	$260,852,000	35
Sale, conversion, retirement of capital stock, net	$346,231,000	3
Net operating income	$113,490,880	87
1996-12-31 (YTD Data)		Rank
Total interest income	$659,209,000	102
Total interest expense	$302,140,000	110
Net interest income	$357,069,000	94
Provision for loan and lease losses	$27,500,000	111
Total noninterest income	$74,953,000	185
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$42,834,000	73
Trading account gains and fees	$2,333,000	71
Additional Noninterest Income	$29,786,000	227
Total noninterest expense	$258,256,000	124
Salaries and employee benefits	$92,959,000	115
Premises and equipment expense	$33,280,000	105
Additional noninterest expense	$132,017,000	115
Pre-tax net operating income	$146,266,000	106
Securities gains (losses)	$3,685,000	98
Applicable income taxes	$13,968,000	290
Income before extraordinary items	$135,983,000	73
Extraordinary gains, net	$0	53
Net income	$135,983,000	73
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,436,000	121
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$132,629,650	75
1995-12-31 (YTD Data)		Rank
Total interest income	$551,011,000	111
Total interest expense	$241,433,000	126
Net interest income	$309,578,000	106
Provision for loan and lease losses	$43,500,000	64
Total noninterest income	$72,477,000	183
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$42,131,000	76
Trading account gains and fees	$3,447,000	73
Additional Noninterest Income	$26,899,000	235
Total noninterest expense	$239,204,000	127
Salaries and employee benefits	$91,724,000	118
Premises and equipment expense	$32,634,000	112
Additional noninterest expense	$114,846,000	115
Pre-tax net operating income	$99,351,000	151
Securities gains (losses)	$296,000	515
Applicable income taxes	$-9,822,000	11,961
Income before extraordinary items	$109,469,000	92
Extraordinary gains, net	$0	65
Net income	$109,469,000	92
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,143,000	105
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$109,173,000	93
1994-12-31 (YTD Data)		Rank
Total interest income	$416,190,000	127
Total interest expense	$142,790,000	162
Net interest income	$273,400,000	112
Provision for loan and lease losses	$41,500,000	58
Total noninterest income	$74,477,000	178
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$41,632,000	76
Trading account gains and fees	$1,133,000	113
Additional Noninterest Income	$31,712,000	213
Total noninterest expense	$221,131,000	129
Salaries and employee benefits	$88,602,000	119
Premises and equipment expense	$31,518,000	111
Additional noninterest expense	$101,011,000	134
Pre-tax net operating income	$85,246,000	164
Securities gains (losses)	$-4,989,000	12,550
Applicable income taxes	$-8,433,000	12,594
Income before extraordinary items	$88,690,000	105
Extraordinary gains, net	$0	249
Net income	$88,690,000	105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,989,000	119
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$93,679,000	103
1993-12-31 (YTD Data)		Rank
Total interest income	$364,654,000	131
Total interest expense	$135,727,000	150
Net interest income	$228,927,000	121
Provision for loan and lease losses	$29,000,000	121
Total noninterest income	$65,728,000	176
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$39,005,000	73
Trading account gains and fees	$3,564,000	76
Additional Noninterest Income	$23,159,000	241
Total noninterest expense	$186,849,000	141
Salaries and employee benefits	$78,720,000	120
Premises and equipment expense	$29,781,000	116
Additional noninterest expense	$78,348,000	163
Pre-tax net operating income	$78,806,000	153
Securities gains (losses)	$-10,601,000	13,279
Applicable income taxes	$370,000	5,290
Income before extraordinary items	$67,835,000	132
Extraordinary gains, net	$-740,000	13,191
Net income	$67,095,000	135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,741,000	79
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$78,329,990	103
1992-12-31 (YTD Data)		Rank
Total interest income	$355,496,000	140
Total interest expense	$132,378,000	184
Net interest income	$223,118,000	114
Provision for loan and lease losses	$36,600,000	141
Total noninterest income	$59,882,000	175
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$37,307,000	67
Trading account gains and fees	$3,380,000	84
Additional Noninterest Income	$19,195,000	283
Total noninterest expense	$193,225,000	127
Salaries and employee benefits	$83,487,000	107
Premises and equipment expense	$30,949,000	109
Additional noninterest expense	$78,789,000	151
Pre-tax net operating income	$53,175,000	157
Securities gains (losses)	$3,817,000	255
Applicable income taxes	$20,636,000	140
Income before extraordinary items	$36,356,000	173
Extraordinary gains, net	$18,636,000	10
Net income	$54,992,000	121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,649,000	157
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$33,913,120	169

* 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.