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Fidelity Federal Bank, a Federal Savings Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$147,798,000	299
Total interest expense	$88,181,000	245
Net interest income	$59,617,000	357
Provision for loan and lease losses	$0	8,228
Total noninterest income	$15,833,000	446
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$15,833,000	332
Total noninterest expense	$75,412,000	265
Salaries and employee benefits	$35,039,000	236
Premises and equipment expense	$14,695,000	176
Additional noninterest expense	$25,678,000	301
Pre-tax net operating income	$38,000	8,581
Securities gains (losses)	$0	4,612
Applicable income taxes	$-4,392,000	9,593
Income before extraordinary items	$4,430,000	1,228
Extraordinary gains, net	$0	105
Net income	$4,430,000	1,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-727,000	9,601
Cash dividends	$6,216,000	513
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,430,000	1,182
2000-12-31 (YTD Data)		Rank
Total interest income	$186,285,000	264
Total interest expense	$102,033,000	254
Net interest income	$84,252,000	276
Provision for loan and lease losses	$25,100,000	137
Total noninterest income	$778,000	3,726
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$778,000	2,187
Total noninterest expense	$91,306,000	232
Salaries and employee benefits	$40,289,000	210
Premises and equipment expense	$18,780,000	160
Additional noninterest expense	$32,237,000	254
Pre-tax net operating income	$-31,376,000	9,907
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$0	8,362
Income before extraordinary items	$-31,375,000	9,893
Extraordinary gains, net	$0	38
Net income	$-31,375,000	9,893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,901,000	43
Cash dividends	$5,466,000	583
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-31,376,000	9,894
1999-12-31 (YTD Data)		Rank
Total interest income	$248,429,000	200
Total interest expense	$136,403,000	184
Net interest income	$112,026,000	214
Provision for loan and lease losses	$78,800,000	52
Total noninterest income	$52,238,000	225
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$52,238,000	171
Total noninterest expense	$105,209,000	215
Salaries and employee benefits	$35,483,000	228
Premises and equipment expense	$21,422,000	139
Additional noninterest expense	$48,304,000	205
Pre-tax net operating income	$-19,745,000	10,231
Securities gains (losses)	$54,000	957
Applicable income taxes	$155,000	6,214
Income before extraordinary items	$-19,846,000	10,217
Extraordinary gains, net	$-724,000	10,217
Net income	$-20,570,000	10,217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,053,000	35
Cash dividends	$5,216,000	632
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-19,900,000	10,216
1998-12-31 (YTD Data)		Rank
Total interest income	$296,287,000	175
Total interest expense	$201,701,000	133
Net interest income	$94,586,000	228
Provision for loan and lease losses	$73,032,000	56
Total noninterest income	$38,638,000	258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-538,000	4,449
Additional Noninterest Income	$39,176,000	197
Total noninterest expense	$102,560,000	223
Salaries and employee benefits	$37,336,000	212
Premises and equipment expense	$21,882,000	141
Additional noninterest expense	$43,342,000	237
Pre-tax net operating income	$-42,368,000	10,479
Securities gains (losses)	$-294,000	10,430
Applicable income taxes	$3,835,000	708
Income before extraordinary items	$-46,497,000	10,461
Extraordinary gains, net	$-1,331,000	10,457
Net income	$-47,828,000	10,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,282,000	242
Cash dividends	$11,349,000	352
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-46,203,000	10,462
1997-12-31 (YTD Data)		Rank
Total interest income	$251,184,000	206
Total interest expense	$170,118,000	162
Net interest income	$81,066,000	270
Provision for loan and lease losses	$17,842,000	141
Total noninterest income	$10,164,000	566
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$188,000	142
Additional Noninterest Income	$9,976,000	409
Total noninterest expense	$64,527,000	281
Salaries and employee benefits	$28,604,000	251
Premises and equipment expense	$18,142,000	167
Additional noninterest expense	$17,781,000	362
Pre-tax net operating income	$8,861,000	915
Securities gains (losses)	$2,521,000	153
Applicable income taxes	$-8,116,000	10,918
Income before extraordinary items	$19,498,000	343
Extraordinary gains, net	$0	44
Net income	$19,498,000	344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,833,000	148
Cash dividends	$6,222,000	529
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$16,977,000	378
1996-12-31 (YTD Data)		Rank
Total interest income	$234,460,000	232
Total interest expense	$150,896,000	189
Net interest income	$83,564,000	292
Provision for loan and lease losses	$15,605,000	162
Total noninterest income	$7,788,000	696
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$53,000	202
Additional Noninterest Income	$7,735,000	503
Total noninterest expense	$87,951,000	271
Salaries and employee benefits	$26,031,000	309
Premises and equipment expense	$15,803,000	199
Additional noninterest expense	$46,117,000	254
Pre-tax net operating income	$-12,204,000	11,465
Securities gains (losses)	$1,304,000	213
Applicable income taxes	$-1,342,000	11,399
Income before extraordinary items	$-9,558,000	11,440
Extraordinary gains, net	$0	53
Net income	$-9,558,000	11,440
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,187,000	79
Cash dividends	$8,210,000	485
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-10,705,520	11,442
1995-12-31 (YTD Data)		Rank
Total interest income	$244,723,000	235
Total interest expense	$171,115,000	181
Net interest income	$73,608,000	331
Provision for loan and lease losses	$69,724,000	37
Total noninterest income	$12,619,000	520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$761,000	148
Additional Noninterest Income	$11,858,000	390
Total noninterest expense	$90,517,000	265
Salaries and employee benefits	$33,664,000	269
Premises and equipment expense	$16,962,000	196
Additional noninterest expense	$39,891,000	276
Pre-tax net operating income	$-74,014,000	12,000
Securities gains (losses)	$3,960,000	73
Applicable income taxes	$-1,075,000	11,915
Income before extraordinary items	$-68,979,000	11,970
Extraordinary gains, net	$0	65
Net income	$-68,979,000	11,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,338,000	75
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$-72,859,800	11,970
1994-12-31 (YTD Data)		Rank
Total interest income	$238,265,000	217
Total interest expense	$155,457,000	148
Net interest income	$82,808,000	300
Provision for loan and lease losses	$65,559,000	40
Total noninterest income	$11,026,000	548
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$2,138,000	77
Additional Noninterest Income	$8,888,000	445
Total noninterest expense	$112,831,000	221
Salaries and employee benefits	$45,495,000	205
Premises and equipment expense	$15,014,000	206
Additional noninterest expense	$52,322,000	230
Pre-tax net operating income	$-84,556,000	12,639
Securities gains (losses)	$-61,057,000	12,605
Applicable income taxes	$-17,168,000	12,601
Income before extraordinary items	$-128,445,000	12,605
Extraordinary gains, net	$0	249
Net income	$-128,445,000	12,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,480,000	36
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$109,002,000	14
Net operating income	$-74,714,840	12,602
1993-12-31 (YTD Data)		Rank
Total interest income	$287,296,000	168
Total interest expense	$180,205,000	108
Net interest income	$107,091,000	249
Provision for loan and lease losses	$65,100,000	54
Total noninterest income	$-9,012,000	13,281
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$70,000	298
Additional Noninterest Income	$-9,082,000	13,321
Total noninterest expense	$134,492,000	195
Salaries and employee benefits	$44,087,000	209
Premises and equipment expense	$14,829,000	209
Additional noninterest expense	$75,576,000	168
Pre-tax net operating income	$-101,513,000	13,315
Securities gains (losses)	$808,000	624
Applicable income taxes	$-34,819,000	13,281
Income before extraordinary items	$-65,886,000	13,272
Extraordinary gains, net	$0	3,149
Net income	$-65,886,000	13,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,544,000	89
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$28,000,000	52
Net operating income	$-66,411,200	13,269
1992-12-31 (YTD Data)		Rank
Total interest income	$369,795,000	135
Total interest expense	$233,881,000	101
Net interest income	$135,914,000	196
Provision for loan and lease losses	$51,180,000	100
Total noninterest income	$11,820,000	537
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$11,820,000	393
Total noninterest expense	$98,823,000	249
Salaries and employee benefits	$35,113,000	246
Premises and equipment expense	$13,787,000	225
Additional noninterest expense	$49,922,000	246
Pre-tax net operating income	$-2,269,000	13,665
Securities gains (losses)	$0	8,369
Applicable income taxes	$-2,556,000	13,883
Income before extraordinary items	$287,000	9,472
Extraordinary gains, net	$0	1,422
Net income	$287,000	9,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,877,000	161
Cash dividends	$2,074,000	814
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$287,000	9,089

* 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.