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First American Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$7,559,0004,135
Total interest expense$4,101,0003,604
Net interest income$3,458,0004,649
Provision for loan and lease losses$08,652
Total noninterest income$582,0004,478
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$219,0004,881
Trading account gains and fees$0224
Additional Noninterest Income$363,0003,629
Total noninterest expense$3,149,0003,943
Salaries and employee benefits$788,0006,739
Premises and equipment expense$660,0002,922
Additional noninterest expense$1,701,0002,448
Pre-tax net operating income$891,0005,765
Securities gains (losses)$04,449
Applicable income taxes$230,0005,833
Income before extraordinary items$661,0005,763
Extraordinary gains, net$032
Net income$661,0005,762
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,204
Cash dividends$2,000,0001,312
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$661,0005,660
1997-12-31 (YTD Data)Rank
Total interest income$7,502,0004,235
Total interest expense$4,021,0003,659
Net interest income$3,481,0004,751
Provision for loan and lease losses$08,829
Total noninterest income$521,0004,866
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$219,0005,049
Trading account gains and fees$0239
Additional Noninterest Income$302,0003,914
Total noninterest expense$2,859,0004,265
Salaries and employee benefits$687,0007,392
Premises and equipment expense$622,0003,043
Additional noninterest expense$1,550,0002,652
Pre-tax net operating income$1,143,0005,403
Securities gains (losses)$03,944
Applicable income taxes$272,0006,008
Income before extraordinary items$871,0005,171
Extraordinary gains, net$044
Net income$871,0005,173
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,371
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$871,0005,116
1996-12-31 (YTD Data)Rank
Total interest income$7,012,0004,574
Total interest expense$3,338,0004,363
Net interest income$3,674,0004,635
Provision for loan and lease losses$09,041
Total noninterest income$492,0005,224
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$220,0005,226
Trading account gains and fees$0262
Additional Noninterest Income$272,0004,317
Total noninterest expense$2,651,0004,787
Salaries and employee benefits$675,0007,681
Premises and equipment expense$610,0003,157
Additional noninterest expense$1,366,0003,386
Pre-tax net operating income$1,515,0004,303
Securities gains (losses)$-38,00010,943
Applicable income taxes$414,0004,795
Income before extraordinary items$1,063,0004,262
Extraordinary gains, net$053
Net income$1,063,0004,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,232
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,090,3604,126
1995-12-31 (YTD Data)Rank
Total interest income$6,456,0004,880
Total interest expense$2,923,0004,872
Net interest income$3,533,0004,828
Provision for loan and lease losses$08,958
Total noninterest income$480,0005,333
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$214,0005,453
Trading account gains and fees$0522
Additional Noninterest Income$266,0004,316
Total noninterest expense$2,819,0004,515
Salaries and employee benefits$817,0007,010
Premises and equipment expense$624,0003,106
Additional noninterest expense$1,378,0003,317
Pre-tax net operating income$1,194,0005,257
Securities gains (losses)$-70,00011,344
Applicable income taxes$296,0006,050
Income before extraordinary items$828,0005,312
Extraordinary gains, net$065
Net income$828,0005,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,482
Cash dividends$17,0008,449
Sale, conversion, retirement of capital stock, net$0809
Net operating income$879,8005,067
1994-12-31 (YTD Data)Rank
Total interest income$4,825,0005,826
Total interest expense$1,782,0006,119
Net interest income$3,043,0005,560
Provision for loan and lease losses$09,146
Total noninterest income$470,0005,510
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$239,0005,208
Trading account gains and fees$0475
Additional Noninterest Income$231,0004,808
Total noninterest expense$2,141,0005,874
Salaries and employee benefits$788,0007,270
Premises and equipment expense$607,0003,239
Additional noninterest expense$746,0006,017
Pre-tax net operating income$1,372,0004,744
Securities gains (losses)$-688,00012,321
Applicable income taxes$145,0008,410
Income before extraordinary items$539,0007,009
Extraordinary gains, net$0249
Net income$539,0007,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,00010,986
Cash dividends$310,0004,358
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,082,5204,281
1993-12-31 (YTD Data)Rank
Total interest income$4,652,0006,140
Total interest expense$1,613,0006,844
Net interest income$3,039,0005,598
Provision for loan and lease losses$010,371
Total noninterest income$473,0005,805
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$275,0004,756
Trading account gains and fees$0532
Additional Noninterest Income$198,0005,700
Total noninterest expense$2,194,0005,875
Salaries and employee benefits$835,0007,106
Premises and equipment expense$589,0003,390
Additional noninterest expense$770,0006,110
Pre-tax net operating income$1,318,0004,808
Securities gains (losses)$15,0005,022
Applicable income taxes$359,0005,395
Income before extraordinary items$974,0004,787
Extraordinary gains, net$03,149
Net income$974,0004,931
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0006,866
Cash dividends$410,0003,576
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$963,0504,587
1992-12-31 (YTD Data)Rank
Total interest income$5,425,0005,967
Total interest expense$2,186,0006,650
Net interest income$3,239,0005,356
Provision for loan and lease losses$135,0006,388
Total noninterest income$521,0005,488
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$324,0004,182
Trading account gains and fees$0504
Additional Noninterest Income$197,0005,724
Total noninterest expense$2,428,0005,441
Salaries and employee benefits$928,0006,465
Premises and equipment expense$612,0003,293
Additional noninterest expense$888,0005,591
Pre-tax net operating income$1,197,0004,924
Securities gains (losses)$156,0002,374
Applicable income taxes$238,0006,864
Income before extraordinary items$1,115,0004,070
Extraordinary gains, net$01,422
Net income$1,115,0004,117
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,00013,582
Cash dividends$1,050,0001,481
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$987,0804,229

* 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.