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First American Savings Bank, F.S.B., Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,930,000	6,415
Total interest expense	$3,113,000	4,589
Net interest income	$817,000	8,632
Provision for loan and lease losses	$62,000	6,322
Total noninterest income	$310,000	6,331
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$310,000	4,045
Total noninterest expense	$2,857,000	4,506
Salaries and employee benefits	$1,365,000	4,847
Premises and equipment expense	$407,000	4,543
Additional noninterest expense	$1,085,000	3,801
Pre-tax net operating income	$-1,792,000	9,470
Securities gains (losses)	$1,135,000	375
Applicable income taxes	$0	7,903
Income before extraordinary items	$-657,000	9,302
Extraordinary gains, net	$0	105
Net income	$-657,000	9,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	3,454
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,792,000	9,483
2000-12-31 (YTD Data)		Rank
Total interest income	$6,729,000	4,730
Total interest expense	$5,019,000	3,308
Net interest income	$1,710,000	7,100
Provision for loan and lease losses	$228,000	3,468
Total noninterest income	$306,000	6,256
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$306,000	3,871
Total noninterest expense	$2,729,000	4,559
Salaries and employee benefits	$1,447,000	4,489
Premises and equipment expense	$423,000	4,328
Additional noninterest expense	$859,000	4,503
Pre-tax net operating income	$-941,000	9,704
Securities gains (losses)	$136,000	498
Applicable income taxes	$0	8,362
Income before extraordinary items	$-805,000	9,687
Extraordinary gains, net	$0	38
Net income	$-805,000	9,686
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,871
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-941,000	9,718
1999-12-31 (YTD Data)		Rank
Total interest income	$7,175,000	4,308
Total interest expense	$5,266,000	2,778
Net interest income	$1,909,000	6,810
Provision for loan and lease losses	$144,000	4,363
Total noninterest income	$1,111,000	2,865
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,111,000	1,742
Total noninterest expense	$3,237,000	3,951
Salaries and employee benefits	$1,881,000	3,617
Premises and equipment expense	$546,000	3,513
Additional noninterest expense	$810,000	4,738
Pre-tax net operating income	$-361,000	9,751
Securities gains (losses)	$223,000	522
Applicable income taxes	$0	8,765
Income before extraordinary items	$-138,000	9,606
Extraordinary gains, net	$0	35
Net income	$-138,000	9,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,834
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-361,000	9,797
1998-12-31 (YTD Data)		Rank
Total interest income	$5,977,000	5,016
Total interest expense	$4,081,000	3,622
Net interest income	$1,896,000	6,867
Provision for loan and lease losses	$44,000	6,827
Total noninterest income	$294,000	6,547
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$294,000	4,083
Total noninterest expense	$2,995,000	4,126
Salaries and employee benefits	$1,770,000	3,722
Premises and equipment expense	$515,000	3,605
Additional noninterest expense	$710,000	5,108
Pre-tax net operating income	$-849,000	10,311
Securities gains (losses)	$977,000	382
Applicable income taxes	$2,000	9,272
Income before extraordinary items	$126,000	9,146
Extraordinary gains, net	$0	32
Net income	$126,000	9,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	9,619
Cash dividends	$75,000	6,560
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-831,460	10,317
1997-12-31 (YTD Data)		Rank
Total interest income	$5,093,000	5,719
Total interest expense	$3,588,000	4,057
Net interest income	$1,505,000	7,969
Provision for loan and lease losses	$67,000	5,992
Total noninterest income	$309,000	6,543
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$309,000	3,852
Total noninterest expense	$2,013,000	5,639
Salaries and employee benefits	$1,250,000	4,930
Premises and equipment expense	$354,000	4,848
Additional noninterest expense	$409,000	7,266
Pre-tax net operating income	$-266,000	10,609
Securities gains (losses)	$568,000	399
Applicable income taxes	$16,000	9,792
Income before extraordinary items	$286,000	8,482
Extraordinary gains, net	$0	44
Net income	$286,000	8,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,076
Cash dividends	$80,000	6,752
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-253,600	10,618
1996-12-31 (YTD Data)		Rank
Total interest income	$4,951,000	5,980
Total interest expense	$3,495,000	4,203
Net interest income	$1,456,000	8,373
Provision for loan and lease losses	$88,000	5,424
Total noninterest income	$308,000	6,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$308,000	4,008
Total noninterest expense	$1,850,000	6,272
Salaries and employee benefits	$1,048,000	5,799
Premises and equipment expense	$284,000	5,786
Additional noninterest expense	$518,000	6,913
Pre-tax net operating income	$-174,000	11,042
Securities gains (losses)	$632,000	363
Applicable income taxes	$21,000	10,180
Income before extraordinary items	$437,000	7,334
Extraordinary gains, net	$139,000	22
Net income	$576,000	6,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,146
Cash dividends	$83,000	6,999
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-163,400	11,034
1995-12-31 (YTD Data)		Rank
Total interest income	$4,305,000	6,682
Total interest expense	$3,091,000	4,627
Net interest income	$1,214,000	9,287
Provision for loan and lease losses	$99,000	4,670
Total noninterest income	$235,000	7,916
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$235,000	4,664
Total noninterest expense	$1,257,000	8,006
Salaries and employee benefits	$746,000	7,427
Premises and equipment expense	$261,000	6,181
Additional noninterest expense	$250,000	9,821
Pre-tax net operating income	$93,000	11,122
Securities gains (losses)	$339,000	473
Applicable income taxes	$10,000	10,932
Income before extraordinary items	$422,000	7,868
Extraordinary gains, net	$0	65
Net income	$422,000	7,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$89,780	10,998
1994-12-31 (YTD Data)		Rank
Total interest income	$3,391,000	7,497
Total interest expense	$2,326,000	4,939
Net interest income	$1,065,000	10,197
Provision for loan and lease losses	$70,000	5,310
Total noninterest income	$229,000	8,261
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$229,000	4,827
Total noninterest expense	$1,387,000	7,949
Salaries and employee benefits	$807,000	7,167
Premises and equipment expense	$272,000	6,144
Additional noninterest expense	$308,000	9,874
Pre-tax net operating income	$-163,000	12,239
Securities gains (losses)	$349,000	353
Applicable income taxes	$10,000	11,373
Income before extraordinary items	$176,000	10,542
Extraordinary gains, net	$0	249
Net income	$176,000	10,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,320
Cash dividends	$130,000	6,382
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-155,550	12,222
1993-12-31 (YTD Data)		Rank
Total interest income	$3,034,000	8,276
Total interest expense	$2,007,000	5,813
Net interest income	$1,027,000	10,686
Provision for loan and lease losses	$88,000	6,122
Total noninterest income	$193,000	9,352
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$193,000	5,775
Total noninterest expense	$1,679,000	7,257
Salaries and employee benefits	$1,105,000	5,626
Premises and equipment expense	$262,000	6,466
Additional noninterest expense	$312,000	10,293
Pre-tax net operating income	$-547,000	12,872
Securities gains (losses)	$1,067,000	518
Applicable income taxes	$7,000	11,895
Income before extraordinary items	$513,000	7,437
Extraordinary gains, net	$0	3,149
Net income	$513,000	7,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-103,000	12,940
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-543,330	12,857
1992-12-31 (YTD Data)		Rank
Total interest income	$3,063,000	8,867
Total interest expense	$2,133,000	6,791
Net interest income	$930,000	11,387
Provision for loan and lease losses	$-13,000	13,493
Total noninterest income	$198,000	9,453
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$198,000	5,704
Total noninterest expense	$1,735,000	7,169
Salaries and employee benefits	$827,000	7,090
Premises and equipment expense	$231,000	7,148
Additional noninterest expense	$677,000	6,907
Pre-tax net operating income	$-594,000	13,348
Securities gains (losses)	$645,000	893
Applicable income taxes	$6,000	12,482
Income before extraordinary items	$45,000	12,603
Extraordinary gains, net	$0	1,422
Net income	$45,000	12,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	4,906
Cash dividends	$29,000	8,286
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-522,600	13,288

* 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.