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First American Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$16,564,0002,039
Total interest expense$6,898,0002,241
Net interest income$9,666,0001,841
Provision for loan and lease losses$705,0001,318
Total noninterest income$1,822,0001,991
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,372,000968
Trading account gains and fees$0262
Additional Noninterest Income$450,0003,144
Total noninterest expense$6,868,0002,034
Salaries and employee benefits$2,930,0002,266
Premises and equipment expense$990,0002,028
Additional noninterest expense$2,948,0001,767
Pre-tax net operating income$3,915,0001,839
Securities gains (losses)$04,148
Applicable income taxes$1,379,0001,734
Income before extraordinary items$2,536,0001,951
Extraordinary gains, net$053
Net income$2,536,0001,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$405,0001,668
Cash dividends$2,526,0001,082
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,536,0001,911
1995-12-31 (YTD Data)Rank
Total interest income$16,636,0002,024
Total interest expense$7,734,0002,021
Net interest income$8,902,0002,020
Provision for loan and lease losses$1,314,000777
Total noninterest income$1,681,0002,107
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,151,0001,156
Trading account gains and fees$0522
Additional Noninterest Income$530,0002,764
Total noninterest expense$7,471,0001,873
Salaries and employee benefits$2,664,0002,508
Premises and equipment expense$1,165,0001,736
Additional noninterest expense$3,642,0001,439
Pre-tax net operating income$1,798,0003,854
Securities gains (losses)$1,0003,512
Applicable income taxes$656,0003,413
Income before extraordinary items$1,143,0004,110
Extraordinary gains, net$065
Net income$1,143,0004,107
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$942,000911
Cash dividends$1,195,0001,794
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,142,3604,098
1994-12-31 (YTD Data)Rank
Total interest income$14,799,0002,085
Total interest expense$6,110,0002,046
Net interest income$8,689,0002,076
Provision for loan and lease losses$2,330,000515
Total noninterest income$1,850,0001,936
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,164,0001,137
Trading account gains and fees$0475
Additional Noninterest Income$686,0002,365
Total noninterest expense$7,433,0001,931
Salaries and employee benefits$2,878,0002,330
Premises and equipment expense$1,081,0001,894
Additional noninterest expense$3,474,0001,599
Pre-tax net operating income$776,0007,001
Securities gains (losses)$03,600
Applicable income taxes$253,0006,490
Income before extraordinary items$523,0007,126
Extraordinary gains, net$0249
Net income$523,0007,135
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,249,000518
Cash dividends$578,0002,897
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$523,0007,173
1993-12-31 (YTD Data)Rank
Total interest income$15,033,0002,096
Total interest expense$6,178,0002,105
Net interest income$8,855,0002,041
Provision for loan and lease losses$832,0001,475
Total noninterest income$2,094,0001,914
Gross Fiduciary activities income$780,000620
Service charges on deposit accounts$908,0001,496
Trading account gains and fees$0532
Additional Noninterest Income$406,0003,715
Total noninterest expense$8,201,0001,822
Salaries and employee benefits$3,912,0001,723
Premises and equipment expense$1,552,0001,374
Additional noninterest expense$2,737,0002,054
Pre-tax net operating income$1,916,0003,449
Securities gains (losses)$49,0003,427
Applicable income taxes$404,0004,968
Income before extraordinary items$1,561,0003,125
Extraordinary gains, net$03,149
Net income$1,561,0003,214
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,057,0001,108
Cash dividends$1,010,0001,718
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,522,2903,024
1992-12-31 (YTD Data)Rank
Total interest income$16,567,0002,144
Total interest expense$7,551,0002,247
Net interest income$9,016,0002,032
Provision for loan and lease losses$717,0002,333
Total noninterest income$2,009,0001,926
Gross Fiduciary activities income$747,000636
Service charges on deposit accounts$787,0001,710
Trading account gains and fees$0504
Additional Noninterest Income$475,0003,294
Total noninterest expense$7,859,0001,916
Salaries and employee benefits$3,762,0001,772
Premises and equipment expense$1,204,0001,751
Additional noninterest expense$2,893,0002,049
Pre-tax net operating income$2,449,0002,542
Securities gains (losses)$220,0001,877
Applicable income taxes$785,0002,667
Income before extraordinary items$1,884,0002,432
Extraordinary gains, net$01,422
Net income$1,884,0002,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$541,0002,344
Cash dividends$1,186,0001,346
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,727,8002,459

* 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.