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First American Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$5,297,0005,364
Total interest expense$3,073,0004,509
Net interest income$2,224,0006,233
Provision for loan and lease losses$103,0005,155
Total noninterest income$665,0004,136
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$208,0005,022
Trading account gains and feesNANA
Additional Noninterest Income$457,0003,131
Total noninterest expense$2,675,0004,624
Salaries and employee benefits$1,264,0004,974
Premises and equipment expense$407,0004,469
Additional noninterest expense$1,004,0004,016
Pre-tax net operating income$111,0009,022
Securities gains (losses)$03,155
Applicable income taxes$51,0007,618
Income before extraordinary items$60,0009,195
Extraordinary gains, net$035
Net income$60,0009,192
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,0009,636
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$60,0009,163
1998-12-31 (YTD Data)Rank
Total interest income$5,175,0005,548
Total interest expense$3,130,0004,564
Net interest income$2,045,0006,590
Provision for loan and lease losses$70,0005,864
Total noninterest income$696,0004,003
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0005,341
Trading account gains and feesNANA
Additional Noninterest Income$510,0002,948
Total noninterest expense$2,122,0005,360
Salaries and employee benefits$986,0005,840
Premises and equipment expense$267,0005,734
Additional noninterest expense$869,0004,408
Pre-tax net operating income$549,0007,155
Securities gains (losses)$04,449
Applicable income taxes$215,0006,019
Income before extraordinary items$334,0007,624
Extraordinary gains, net$032
Net income$334,0007,623
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$148,0002,946
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$334,0007,539
1997-12-31 (YTD Data)Rank
Total interest income$4,361,0006,339
Total interest expense$2,380,0005,607
Net interest income$1,981,0006,949
Provision for loan and lease losses$13,0008,228
Total noninterest income$514,0004,926
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$214,0005,130
Trading account gains and feesNANA
Additional Noninterest Income$300,0003,932
Total noninterest expense$1,933,0005,782
Salaries and employee benefits$1,006,0005,833
Premises and equipment expense$150,0007,796
Additional noninterest expense$777,0004,831
Pre-tax net operating income$549,0007,675
Securities gains (losses)$03,944
Applicable income taxes$245,0006,308
Income before extraordinary items$304,0008,345
Extraordinary gains, net$044
Net income$304,0008,347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0009,836
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$304,0008,302
1996-12-31 (YTD Data)Rank
Total interest income$4,049,0006,817
Total interest expense$2,115,0006,195
Net interest income$1,934,0007,287
Provision for loan and lease losses$447,0001,908
Total noninterest income$433,0005,677
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$199,0005,581
Trading account gains and feesNANA
Additional Noninterest Income$234,0004,730
Total noninterest expense$1,774,0006,446
Salaries and employee benefits$905,0006,438
Premises and equipment expense$205,0006,938
Additional noninterest expense$664,0005,947
Pre-tax net operating income$146,00010,106
Securities gains (losses)$04,148
Applicable income taxes$76,0009,229
Income before extraordinary items$70,00010,454
Extraordinary gains, net$053
Net income$70,00010,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$196,0002,709
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$70,00010,410
1995-12-31 (YTD Data)Rank
Total interest income$3,378,0007,707
Total interest expense$1,716,0007,099
Net interest income$1,662,0008,113
Provision for loan and lease losses$228,0002,771
Total noninterest income$432,0005,683
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$179,0006,085
Trading account gains and feesNANA
Additional Noninterest Income$253,0004,446
Total noninterest expense$1,774,0006,535
Salaries and employee benefits$830,0006,950
Premises and equipment expense$157,0008,098
Additional noninterest expense$787,0005,324
Pre-tax net operating income$92,00011,128
Securities gains (losses)$1,0003,512
Applicable income taxes$74,0009,703
Income before extraordinary items$19,00011,437
Extraordinary gains, net$065
Net income$19,00011,434
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,140
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$18,36011,407
1994-12-31 (YTD Data)Rank
Total interest income$686,00012,218
Total interest expense$307,00012,011
Net interest income$379,00012,270
Provision for loan and lease losses$12,0008,270
Total noninterest income$62,00011,679
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$38,00010,098
Trading account gains and feesNANA
Additional Noninterest Income$24,00011,176
Total noninterest expense$370,00012,147
Salaries and employee benefits$158,00012,312
Premises and equipment expense$69,00010,998
Additional noninterest expense$143,00011,879
Pre-tax net operating income$59,00011,866
Securities gains (losses)$03,600
Applicable income taxes$5,00011,491
Income before extraordinary items$54,00011,776
Extraordinary gains, net$0249
Net income$54,00011,782
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0009,875
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$54,00011,819
1993-12-31 (YTD Data)Rank
Total interest income$2,091,00010,002
Total interest expense$888,0009,603
Net interest income$1,203,00010,058
Provision for loan and lease losses$48,0007,582
Total noninterest income$313,0007,474
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$145,0007,220
Trading account gains and feesNANA
Additional Noninterest Income$168,0006,201
Total noninterest expense$1,082,0009,391
Salaries and employee benefits$489,0009,780
Premises and equipment expense$133,0009,383
Additional noninterest expense$460,0008,616
Pre-tax net operating income$386,0009,518
Securities gains (losses)$3,0006,505
Applicable income taxes$167,0008,276
Income before extraordinary items$222,00010,384
Extraordinary gains, net$56,0002,079
Net income$278,0009,862
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0008,052
Cash dividends$48,0008,039
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$220,08010,177
1992-12-31 (YTD Data)Rank
Total interest income$2,307,00010,280
Total interest expense$1,136,0009,839
Net interest income$1,171,00010,426
Provision for loan and lease losses$48,0009,164
Total noninterest income$304,0007,675
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$138,0007,445
Trading account gains and feesNANA
Additional Noninterest Income$166,0006,287
Total noninterest expense$1,008,0009,937
Salaries and employee benefits$451,00010,298
Premises and equipment expense$164,0008,734
Additional noninterest expense$393,0009,643
Pre-tax net operating income$419,0009,066
Securities gains (losses)$10,0006,439
Applicable income taxes$176,0008,054
Income before extraordinary items$253,0009,883
Extraordinary gains, net$01,422
Net income$253,00010,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,00010,255
Cash dividends$83,0006,950
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$246,6009,596

* 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.