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First American Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,095,0007,264
Total interest expense$1,479,0007,031
Net interest income$1,616,0007,366
Provision for loan and lease losses$145,0004,342
Total noninterest income$430,0005,401
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$352,0003,551
Trading account gains and feesNANA
Additional Noninterest Income$78,0007,202
Total noninterest expense$1,395,0007,051
Salaries and employee benefits$813,0006,699
Premises and equipment expense$257,0005,946
Additional noninterest expense$325,0007,912
Pre-tax net operating income$506,0007,116
Securities gains (losses)$30,0001,197
Applicable income taxes$190,0005,810
Income before extraordinary items$346,0007,313
Extraordinary gains, net$035
Net income$346,0007,315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$159,0002,758
Cash dividends$77,0006,327
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$326,5007,401
1998-12-31 (YTD Data)Rank
Total interest income$3,056,0007,462
Total interest expense$1,491,0007,213
Net interest income$1,565,0007,543
Provision for loan and lease losses$248,0003,012
Total noninterest income$320,0006,296
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$240,0004,627
Trading account gains and feesNANA
Additional Noninterest Income$80,0007,189
Total noninterest expense$1,257,0007,388
Salaries and employee benefits$759,0006,870
Premises and equipment expense$188,0006,902
Additional noninterest expense$310,0008,025
Pre-tax net operating income$380,0007,981
Securities gains (losses)$04,449
Applicable income taxes$133,0007,072
Income before extraordinary items$247,0008,265
Extraordinary gains, net$032
Net income$247,0008,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$197,0002,465
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$247,0008,191
1997-12-31 (YTD Data)Rank
Total interest income$2,837,0007,959
Total interest expense$1,313,0007,818
Net interest income$1,524,0007,926
Provision for loan and lease losses$373,0002,204
Total noninterest income$307,0006,566
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$240,0004,791
Trading account gains and feesNANA
Additional Noninterest Income$67,0007,794
Total noninterest expense$1,274,0007,432
Salaries and employee benefits$754,0007,003
Premises and equipment expense$180,0007,193
Additional noninterest expense$340,0007,902
Pre-tax net operating income$184,0009,658
Securities gains (losses)$03,944
Applicable income taxes$57,0009,142
Income before extraordinary items$127,0009,783
Extraordinary gains, net$044
Net income$127,0009,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$391,0001,624
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$127,0009,740
1996-12-31 (YTD Data)Rank
Total interest income$2,623,0008,527
Total interest expense$1,199,0008,377
Net interest income$1,424,0008,456
Provision for loan and lease losses$141,0004,225
Total noninterest income$370,0006,205
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$268,0004,572
Trading account gains and feesNANA
Additional Noninterest Income$102,0007,055
Total noninterest expense$1,293,0007,680
Salaries and employee benefits$806,0006,950
Premises and equipment expense$177,0007,497
Additional noninterest expense$310,0008,768
Pre-tax net operating income$360,0008,749
Securities gains (losses)$04,148
Applicable income taxes$116,0008,455
Income before extraordinary items$244,0008,885
Extraordinary gains, net$053
Net income$244,0008,888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0004,000
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$150,000613
Net operating income$244,0008,826
1995-12-31 (YTD Data)Rank
Total interest income$2,230,0009,372
Total interest expense$1,036,0009,136
Net interest income$1,194,0009,344
Provision for loan and lease losses$267,0002,452
Total noninterest income$423,0005,779
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$290,0004,424
Trading account gains and feesNANA
Additional Noninterest Income$133,0006,332
Total noninterest expense$1,149,0008,393
Salaries and employee benefits$695,0007,743
Premises and equipment expense$140,0008,530
Additional noninterest expense$314,0009,104
Pre-tax net operating income$201,00010,458
Securities gains (losses)$-1,0009,017
Applicable income taxes$88,0009,430
Income before extraordinary items$112,00010,821
Extraordinary gains, net$065
Net income$112,00010,821
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$119,0003,397
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$100,000561
Net operating income$112,64010,792
1994-12-31 (YTD Data)Rank
Total interest income$1,679,00010,390
Total interest expense$599,00010,610
Net interest income$1,080,00010,143
Provision for loan and lease losses$24,0007,499
Total noninterest income$333,0006,869
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$253,0005,001
Trading account gains and feesNANA
Additional Noninterest Income$80,0008,247
Total noninterest expense$892,0009,805
Salaries and employee benefits$513,0009,269
Premises and equipment expense$128,0009,152
Additional noninterest expense$251,00010,511
Pre-tax net operating income$497,0008,672
Securities gains (losses)$03,600
Applicable income taxes$175,0007,810
Income before extraordinary items$322,0008,914
Extraordinary gains, net$0249
Net income$322,0008,918
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,975
Cash dividends$269,0004,764
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$322,0008,964
1993-12-31 (YTD Data)Rank
Total interest income$1,540,00011,150
Total interest expense$556,00011,393
Net interest income$984,00010,847
Provision for loan and lease losses$26,0008,647
Total noninterest income$288,0007,829
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$231,0005,403
Trading account gains and feesNANA
Additional Noninterest Income$57,0009,699
Total noninterest expense$814,00010,593
Salaries and employee benefits$456,00010,081
Premises and equipment expense$132,0009,415
Additional noninterest expense$226,00011,382
Pre-tax net operating income$432,0009,167
Securities gains (losses)$07,477
Applicable income taxes$173,0008,146
Income before extraordinary items$259,0009,939
Extraordinary gains, net$03,149
Net income$259,00010,075
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0007,294
Cash dividends$80,0007,275
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$259,0009,680
1992-12-31 (YTD Data)Rank
Total interest income$1,429,00012,127
Total interest expense$578,00012,403
Net interest income$851,00011,704
Provision for loan and lease losses$35,0009,755
Total noninterest income$278,0008,040
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$229,0005,444
Trading account gains and feesNANA
Additional Noninterest Income$49,00010,461
Total noninterest expense$773,00011,144
Salaries and employee benefits$422,00010,616
Premises and equipment expense$120,00010,011
Additional noninterest expense$231,00011,802
Pre-tax net operating income$321,0009,937
Securities gains (losses)$2,0007,695
Applicable income taxes$129,0009,137
Income before extraordinary items$194,00010,678
Extraordinary gains, net$-5,00013,464
Net income$189,00010,861
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0008,022
Cash dividends$80,0006,992
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$192,72010,370

* 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.