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First American National Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,347,839,000	53
Total interest expense	$614,424,000	55
Net interest income	$733,415,000	50
Provision for loan and lease losses	$39,948,000	91
Total noninterest income	$468,392,000	51
Gross Fiduciary activities income	$42,997,000	61
Service charges on deposit accounts	$130,909,000	24
Trading account gains and fees	$8,008,000	45
Additional Noninterest Income	$286,478,000	56
Total noninterest expense	$780,229,000	43
Salaries and employee benefits	$326,801,000	41
Premises and equipment expense	$97,267,000	44
Additional noninterest expense	$356,161,000	45
Pre-tax net operating income	$381,630,000	54
Securities gains (losses)	$7,877,000	86
Applicable income taxes	$140,005,000	50
Income before extraordinary items	$249,502,000	56
Extraordinary gains, net	$0	32
Net income	$249,502,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,731,000	91
Cash dividends	$150,557,000	56
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$244,460,720	54
1997-12-31 (YTD Data)		Rank
Total interest income	$716,941,000	84
Total interest expense	$342,472,000	87
Net interest income	$374,469,000	86
Provision for loan and lease losses	$4,000,000	363
Total noninterest income	$257,588,000	73
Gross Fiduciary activities income	$19,204,000	97
Service charges on deposit accounts	$65,345,000	49
Trading account gains and fees	$1,314,000	82
Additional Noninterest Income	$171,725,000	69
Total noninterest expense	$393,864,000	72
Salaries and employee benefits	$185,745,000	60
Premises and equipment expense	$49,181,000	75
Additional noninterest expense	$158,938,000	85
Pre-tax net operating income	$234,193,000	76
Securities gains (losses)	$2,149,000	174
Applicable income taxes	$90,337,000	67
Income before extraordinary items	$146,005,000	75
Extraordinary gains, net	$0	44
Net income	$146,005,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,990,000	155
Cash dividends	$87,169,000	90
Sale, conversion, retirement of capital stock, net	$4,590,000	219
Net operating income	$144,629,640	76
1996-12-31 (YTD Data)		Rank
Total interest income	$662,998,000	101
Total interest expense	$325,794,000	102
Net interest income	$337,204,000	104
Provision for loan and lease losses	$0	9,041
Total noninterest income	$185,173,000	95
Gross Fiduciary activities income	$17,899,000	106
Service charges on deposit accounts	$56,308,000	60
Trading account gains and fees	$2,512,000	67
Additional Noninterest Income	$108,454,000	104
Total noninterest expense	$325,179,000	92
Salaries and employee benefits	$161,622,000	66
Premises and equipment expense	$42,050,000	84
Additional noninterest expense	$121,507,000	126
Pre-tax net operating income	$197,198,000	82
Securities gains (losses)	$2,415,000	132
Applicable income taxes	$75,850,000	73
Income before extraordinary items	$123,763,000	85
Extraordinary gains, net	$0	53
Net income	$123,763,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,567,000	195
Cash dividends	$45,318,000	148
Sale, conversion, retirement of capital stock, net	$2,568,000	255
Net operating income	$122,217,400	83
1995-12-31 (YTD Data)		Rank
Total interest income	$602,922,000	102
Total interest expense	$297,470,000	107
Net interest income	$305,452,000	108
Provision for loan and lease losses	$83,000	5,026
Total noninterest income	$117,209,000	126
Gross Fiduciary activities income	$16,571,000	116
Service charges on deposit accounts	$47,950,000	66
Trading account gains and fees	$961,000	134
Additional Noninterest Income	$51,727,000	150
Total noninterest expense	$254,634,000	122
Salaries and employee benefits	$146,497,000	71
Premises and equipment expense	$37,309,000	96
Additional noninterest expense	$70,828,000	182
Pre-tax net operating income	$167,944,000	89
Securities gains (losses)	$738,000	274
Applicable income taxes	$65,388,000	78
Income before extraordinary items	$103,294,000	102
Extraordinary gains, net	$0	65
Net income	$103,294,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,434,000	406
Cash dividends	$34,392,000	175
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$102,821,680	100
1994-12-31 (YTD Data)		Rank
Total interest income	$458,748,000	116
Total interest expense	$185,105,000	122
Net interest income	$273,643,000	111
Provision for loan and lease losses	$-10,000,000	12,586
Total noninterest income	$89,031,000	155
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$41,710,000	75
Trading account gains and fees	$2,201,000	76
Additional Noninterest Income	$45,120,000	159
Total noninterest expense	$223,614,000	126
Salaries and employee benefits	$121,528,000	80
Premises and equipment expense	$34,604,000	102
Additional noninterest expense	$67,482,000	181
Pre-tax net operating income	$149,060,000	93
Securities gains (losses)	$-9,997,000	12,573
Applicable income taxes	$51,875,000	91
Income before extraordinary items	$87,188,000	108
Extraordinary gains, net	$0	249
Net income	$87,188,000	108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,760,000	12,596
Cash dividends	$41,009,000	137
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$93,586,080	104
1993-12-31 (YTD Data)		Rank
Total interest income	$422,446,000	117
Total interest expense	$155,573,000	126
Net interest income	$266,873,000	108
Provision for loan and lease losses	$-42,000,000	13,282
Total noninterest income	$81,520,000	150
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$39,090,000	71
Trading account gains and fees	$2,493,000	96
Additional Noninterest Income	$39,937,000	162
Total noninterest expense	$232,028,000	114
Salaries and employee benefits	$110,327,000	86
Premises and equipment expense	$35,747,000	93
Additional noninterest expense	$85,954,000	145
Pre-tax net operating income	$158,365,000	72
Securities gains (losses)	$-2,028,000	13,269
Applicable income taxes	$56,247,000	72
Income before extraordinary items	$100,090,000	89
Extraordinary gains, net	$-125,000	12,964
Net income	$99,965,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,280,000	346
Cash dividends	$11,763,000	252
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$101,387,920	77
1992-12-31 (YTD Data)		Rank
Total interest income	$444,438,000	112
Total interest expense	$192,620,000	125
Net interest income	$251,818,000	103
Provision for loan and lease losses	$38,500,000	136
Total noninterest income	$69,760,000	165
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$36,874,000	68
Trading account gains and fees	$2,327,000	100
Additional Noninterest Income	$30,559,000	195
Total noninterest expense	$224,404,000	109
Salaries and employee benefits	$102,713,000	92
Premises and equipment expense	$32,941,000	102
Additional noninterest expense	$88,750,000	135
Pre-tax net operating income	$58,674,000	143
Securities gains (losses)	$-2,974,000	13,922
Applicable income taxes	$16,075,000	180
Income before extraordinary items	$39,625,000	161
Extraordinary gains, net	$0	1,422
Net income	$39,625,000	165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,423,000	126
Cash dividends	$4,481,000	418
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$41,736,540	143

* 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.