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First American Bank, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$832,0008,051
Total interest expense$116,0008,835
Net interest income$716,0007,535
Provision for loan and lease losses$3,0007,198
Total noninterest income$61,0008,133
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$36,0007,105
Trading account gains and fees$0150
Additional Noninterest Income$25,0007,564
Total noninterest expense$753,0006,894
Salaries and employee benefits$412,0006,864
Premises and equipment expense$86,0007,125
Additional noninterest expense$255,0006,472
Pre-tax net operating income$21,0008,555
Securities gains (losses)$10,0002,948
Applicable income taxes$07,529
Income before extraordinary items$31,0008,572
Extraordinary gains, net$030
Net income$31,0008,573
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0004,662
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$21,0008,515
2003-03-31 (YTD Data)Rank
Total interest income$382,0008,248
Total interest expense$59,0008,892
Net interest income$323,0007,772
Provision for loan and lease losses$3,0006,662
Total noninterest income$32,0008,066
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$18,0007,056
Trading account gains and fees$0134
Additional Noninterest Income$14,0007,447
Total noninterest expense$364,0007,015
Salaries and employee benefits$197,0007,018
Premises and equipment expense$41,0007,269
Additional noninterest expense$126,0006,497
Pre-tax net operating income$-12,0008,778
Securities gains (losses)$3,0002,514
Applicable income taxes$07,403
Income before extraordinary items$-9,0008,822
Extraordinary gains, net$021
Net income$-9,0008,819
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0005,250
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-12,0008,740
2002-12-31 (YTD Data)Rank
Total interest income$1,752,0008,125
Total interest expense$312,0008,863
Net interest income$1,440,0007,531
Provision for loan and lease losses$76,0006,152
Total noninterest income$109,0008,286
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$81,0006,921
Trading account gains and fees$0153
Additional Noninterest Income$28,0008,260
Total noninterest expense$1,452,0006,945
Salaries and employee benefits$772,0006,988
Premises and equipment expense$176,0007,078
Additional noninterest expense$504,0006,482
Pre-tax net operating income$21,0008,569
Securities gains (losses)$17,0003,266
Applicable income taxes$07,681
Income before extraordinary items$38,0008,595
Extraordinary gains, net$070
Net income$38,0008,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,417
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$21,0008,576
2001-12-31 (YTD Data)Rank
Total interest income$1,868,0008,352
Total interest expense$628,0008,767
Net interest income$1,240,0007,800
Provision for loan and lease losses$179,0004,428
Total noninterest income$143,0007,935
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$99,0006,593
Trading account gains and fees$0177
Additional Noninterest Income$44,0007,857
Total noninterest expense$1,763,0006,211
Salaries and employee benefits$810,0006,731
Premises and equipment expense$186,0006,985
Additional noninterest expense$767,0004,929
Pre-tax net operating income$-559,0009,192
Securities gains (losses)$3,0004,114
Applicable income taxes$07,903
Income before extraordinary items$-556,0009,259
Extraordinary gains, net$0105
Net income$-556,0009,260
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0004,943
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$122,000625
Net operating income$-559,0009,221
2000-12-31 (YTD Data)Rank
Total interest income$1,849,0008,568
Total interest expense$679,0008,904
Net interest income$1,170,0008,135
Provision for loan and lease losses$21,0007,573
Total noninterest income$161,0007,734
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$98,0006,608
Trading account gains and feesNANA
Additional Noninterest Income$63,0007,397
Total noninterest expense$1,370,0007,070
Salaries and employee benefits$778,0006,836
Premises and equipment expense$130,0007,919
Additional noninterest expense$462,0006,692
Pre-tax net operating income$-60,0009,211
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$-60,0009,221
Extraordinary gains, net$038
Net income$-60,0009,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,242
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$9,000901
Net operating income$-60,0009,214
1999-12-31 (YTD Data)Rank
Total interest income$1,630,0008,905
Total interest expense$591,0009,233
Net interest income$1,039,0008,537
Provision for loan and lease losses$47,0006,669
Total noninterest income$225,0007,200
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$104,0006,628
Trading account gains and feesNANA
Additional Noninterest Income$121,0006,153
Total noninterest expense$1,202,0007,564
Salaries and employee benefits$571,0007,904
Premises and equipment expense$142,0007,811
Additional noninterest expense$489,0006,588
Pre-tax net operating income$15,0009,350
Securities gains (losses)$-2,0008,771
Applicable income taxes$08,765
Income before extraordinary items$13,0009,396
Extraordinary gains, net$035
Net income$13,0009,392
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,685
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$15,0009,359
1998-12-31 (YTD Data)Rank
Total interest income$1,697,0009,060
Total interest expense$577,0009,535
Net interest income$1,120,0008,525
Provision for loan and lease losses$55,0006,428
Total noninterest income$131,0008,529
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0006,650
Trading account gains and feesNANA
Additional Noninterest Income$20,0009,482
Total noninterest expense$1,033,0008,011
Salaries and employee benefits$464,0008,581
Premises and equipment expense$119,0008,292
Additional noninterest expense$450,0006,802
Pre-tax net operating income$163,0009,111
Securities gains (losses)$3,0003,720
Applicable income taxes$09,340
Income before extraordinary items$166,0008,870
Extraordinary gains, net$032
Net income$166,0008,868
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,0009,930
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$22,000920
Net operating income$163,0008,824
1997-12-31 (YTD Data)Rank
Total interest income$1,290,0009,943
Total interest expense$467,00010,177
Net interest income$823,0009,610
Provision for loan and lease losses$31,0007,344
Total noninterest income$174,0008,220
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0006,965
Trading account gains and feesNANA
Additional Noninterest Income$63,0007,914
Total noninterest expense$1,100,0008,006
Salaries and employee benefits$521,0008,453
Premises and equipment expense$109,0008,750
Additional noninterest expense$470,0006,752
Pre-tax net operating income$-134,00010,518
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-134,00010,558
Extraordinary gains, net$42,00017
Net income$-92,00010,513
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0002,726
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$1,010,000452
Net operating income$-134,00010,529
1996-12-31 (YTD Data)Rank
Total interest income$1,250,00010,461
Total interest expense$500,00010,594
Net interest income$750,00010,249
Provision for loan and lease losses$134,0004,364
Total noninterest income$327,0006,638
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0007,271
Trading account gains and feesNANA
Additional Noninterest Income$216,0004,967
Total noninterest expense$1,126,0008,241
Salaries and employee benefits$505,0008,849
Premises and equipment expense$69,00010,108
Additional noninterest expense$552,0006,665
Pre-tax net operating income$-183,00011,054
Securities gains (losses)$04,148
Applicable income taxes$010,572
Income before extraordinary items$-183,00011,093
Extraordinary gains, net$053
Net income$-183,00011,093
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,799
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$387,000499
Net operating income$-183,00011,055
1995-12-31 (YTD Data)Rank
Total interest income$1,370,00010,734
Total interest expense$611,00010,631
Net interest income$759,00010,663
Provision for loan and lease losses$144,0003,734
Total noninterest income$261,0007,565
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$136,0006,970
Trading account gains and feesNANA
Additional Noninterest Income$125,0006,525
Total noninterest expense$1,181,0008,269
Salaries and employee benefits$514,0008,989
Premises and equipment expense$102,0009,565
Additional noninterest expense$565,0006,747
Pre-tax net operating income$-305,00011,730
Securities gains (losses)$03,831
Applicable income taxes$011,151
Income before extraordinary items$-305,00011,734
Extraordinary gains, net$065
Net income$-305,00011,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$285,0002,004
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$54,000640
Net operating income$-305,00011,722
1994-12-31 (YTD Data)Rank
Total interest income$1,224,00011,300
Total interest expense$388,00011,650
Net interest income$836,00010,932
Provision for loan and lease losses$436,0001,707
Total noninterest income$134,00010,039
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$118,0007,644
Trading account gains and feesNANA
Additional Noninterest Income$16,00011,718
Total noninterest expense$1,296,0008,261
Salaries and employee benefits$434,0009,968
Premises and equipment expense$198,0007,470
Additional noninterest expense$664,0006,579
Pre-tax net operating income$-762,00012,421
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$-762,00012,398
Extraordinary gains, net$0249
Net income$-762,00012,394
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0004,490
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-762,00012,399
1993-12-31 (YTD Data)Rank
Total interest income$334,00013,161
Total interest expense$107,00013,165
Net interest income$227,00013,105
Provision for loan and lease losses$7,0009,969
Total noninterest income$41,00012,744
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$39,00010,450
Trading account gains and feesNANA
Additional Noninterest Income$2,00013,164
Total noninterest expense$775,00010,793
Salaries and employee benefits$181,00012,768
Premises and equipment expense$77,00011,269
Additional noninterest expense$517,0008,054
Pre-tax net operating income$-514,00012,864
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$-514,00012,898
Extraordinary gains, net$03,149
Net income$-514,00012,903
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0009,413
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$2,174,000337
Net operating income$-514,00012,843

* 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.