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First Bank, A Federal Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$80,522,000	504
Total interest expense	$46,197,000	451
Net interest income	$34,325,000	595
Provision for loan and lease losses	$290,000	2,650
Total noninterest income	$4,748,000	982
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$4,748,000	669
Total noninterest expense	$37,480,000	481
Salaries and employee benefits	$11,906,000	587
Premises and equipment expense	$7,377,000	347
Additional noninterest expense	$18,197,000	439
Pre-tax net operating income	$1,303,000	4,819
Securities gains (losses)	$-675,000	11,384
Applicable income taxes	$679,000	3,246
Income before extraordinary items	$-51,000	10,929
Extraordinary gains, net	$0	53
Net income	$-51,000	10,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-362,000	11,397
Cash dividends	$13,765,000	354
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$381,000	7,719
1995-12-31 (YTD Data)		Rank
Total interest income	$5,535,000	5,562
Total interest expense	$3,174,000	4,515
Net interest income	$2,361,000	6,556
Provision for loan and lease losses	$81,000	5,069
Total noninterest income	$116,000	9,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$116,000	6,743
Total noninterest expense	$1,263,000	7,978
Salaries and employee benefits	$515,000	8,977
Premises and equipment expense	$92,000	9,856
Additional noninterest expense	$656,000	6,154
Pre-tax net operating income	$1,133,000	5,478
Securities gains (losses)	$89,000	1,008
Applicable income taxes	$576,000	3,765
Income before extraordinary items	$646,000	6,335
Extraordinary gains, net	$0	65
Net income	$646,000	6,333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$250,000	4,947
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$589,040	6,664
1994-12-31 (YTD Data)		Rank
Total interest income	$1,518,000	10,709
Total interest expense	$677,000	10,221
Net interest income	$841,000	10,918
Provision for loan and lease losses	$0	9,146
Total noninterest income	$26,000	12,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$26,000	11,043
Total noninterest expense	$256,000	12,437
Salaries and employee benefits	$148,000	12,365
Premises and equipment expense	$14,000	12,500
Additional noninterest expense	$94,000	12,342
Pre-tax net operating income	$611,000	7,938
Securities gains (losses)	$0	3,600
Applicable income taxes	$222,000	6,981
Income before extraordinary items	$389,000	8,287
Extraordinary gains, net	$0	249
Net income	$389,000	8,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$10,000,000	345
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$389,000	8,338
1993-12-31 (YTD Data)		Rank
Total interest income	$6,866,000	4,384
Total interest expense	$2,869,000	4,277
Net interest income	$3,997,000	4,405
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$117,000	10,904
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$117,000	7,385
Total noninterest expense	$969,000	9,880
Salaries and employee benefits	$551,000	9,206
Premises and equipment expense	$56,000	11,992
Additional noninterest expense	$362,000	9,699
Pre-tax net operating income	$3,115,000	2,187
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,130,000	2,027
Income before extraordinary items	$1,985,000	2,541
Extraordinary gains, net	$-198,000	13,041
Net income	$1,787,000	2,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$435,000	3,452
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,985,000	2,387
1992-12-31 (YTD Data)		Rank
Total interest income	$7,672,000	4,460
Total interest expense	$4,325,000	3,797
Net interest income	$3,347,000	5,217
Provision for loan and lease losses	$84,000	7,767
Total noninterest income	$101,000	11,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$101,000	8,026
Total noninterest expense	$879,000	10,615
Salaries and employee benefits	$514,000	9,638
Premises and equipment expense	$54,000	12,540
Additional noninterest expense	$311,000	10,684
Pre-tax net operating income	$2,485,000	2,510
Securities gains (losses)	$0	8,369
Applicable income taxes	$934,000	2,233
Income before extraordinary items	$1,551,000	2,976
Extraordinary gains, net	$0	1,422
Net income	$1,551,000	3,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$360,000	3,572
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,551,000	2,752

* 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.