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First Bank and Trust, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$1,973,0003,567
Total interest expense$649,0003,526
Net interest income$1,324,0003,531
Provision for loan and lease losses$60,0003,248
Total noninterest income$168,0004,593
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$65,0004,539
Trading account gains and fees$0134
Additional Noninterest Income$103,0003,872
Total noninterest expense$792,0004,395
Salaries and employee benefits$494,0003,937
Premises and equipment expense$24,0008,165
Additional noninterest expense$274,0003,932
Pre-tax net operating income$640,0002,929
Securities gains (losses)$02,891
Applicable income taxes$215,0002,571
Income before extraordinary items$425,0003,324
Extraordinary gains, net$021
Net income$425,0003,321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0001,693
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$425,0003,153
2002-12-31 (YTD Data)Rank
Total interest income$8,357,0003,516
Total interest expense$3,102,0003,452
Net interest income$5,255,0003,507
Provision for loan and lease losses$240,0003,935
Total noninterest income$422,0005,640
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$273,0004,459
Trading account gains and fees$0153
Additional Noninterest Income$149,0005,615
Total noninterest expense$2,726,0004,780
Salaries and employee benefits$1,717,0004,239
Premises and equipment expense$250,0006,143
Additional noninterest expense$759,0005,124
Pre-tax net operating income$2,711,0002,709
Securities gains (losses)$04,537
Applicable income taxes$976,0002,254
Income before extraordinary items$1,735,0003,123
Extraordinary gains, net$070
Net income$1,735,0003,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0004,965
Cash dividends$850,0002,538
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,735,0003,016
2001-12-31 (YTD Data)Rank
Total interest income$8,998,0003,649
Total interest expense$4,432,0003,504
Net interest income$4,566,0003,704
Provision for loan and lease losses$240,0003,705
Total noninterest income$410,0005,610
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$277,0004,365
Trading account gains and fees$0177
Additional Noninterest Income$133,0005,774
Total noninterest expense$2,314,0005,226
Salaries and employee benefits$1,433,0004,671
Premises and equipment expense$247,0006,127
Additional noninterest expense$634,0005,638
Pre-tax net operating income$2,422,0002,730
Securities gains (losses)$04,612
Applicable income taxes$893,0002,254
Income before extraordinary items$1,529,0003,178
Extraordinary gains, net$0105
Net income$1,529,0003,182
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,614
Cash dividends$700,0002,851
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,529,0003,077
2000-12-31 (YTD Data)Rank
Total interest income$9,323,0003,619
Total interest expense$4,391,0003,701
Net interest income$4,932,0003,519
Provision for loan and lease losses$276,0003,030
Total noninterest income$345,0005,924
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$264,0004,389
Trading account gains and feesNANA
Additional Noninterest Income$81,0006,893
Total noninterest expense$2,352,0005,072
Salaries and employee benefits$1,579,0004,181
Premises and equipment expense$190,0006,913
Additional noninterest expense$583,0005,898
Pre-tax net operating income$2,649,0002,634
Securities gains (losses)$01,956
Applicable income taxes$957,0002,203
Income before extraordinary items$1,692,0002,944
Extraordinary gains, net$038
Net income$1,692,0002,942
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$106,0003,477
Cash dividends$750,0002,772
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,692,0002,930
1999-12-31 (YTD Data)Rank
Total interest income$7,929,0003,935
Total interest expense$3,460,0004,092
Net interest income$4,469,0003,805
Provision for loan and lease losses$201,0003,541
Total noninterest income$353,0005,982
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$252,0004,502
Trading account gains and feesNANA
Additional Noninterest Income$101,0006,614
Total noninterest expense$2,157,0005,389
Salaries and employee benefits$1,414,0004,551
Premises and equipment expense$175,0007,220
Additional noninterest expense$568,0006,032
Pre-tax net operating income$2,464,0002,825
Securities gains (losses)$03,155
Applicable income taxes$884,0002,424
Income before extraordinary items$1,580,0003,120
Extraordinary gains, net$035
Net income$1,580,0003,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0004,803
Cash dividends$600,0003,129
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,580,0003,090
1998-12-31 (YTD Data)Rank
Total interest income$7,573,0004,128
Total interest expense$3,570,0004,049
Net interest income$4,003,0004,112
Provision for loan and lease losses$114,0004,857
Total noninterest income$350,0006,015
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$257,0004,405
Trading account gains and feesNANA
Additional Noninterest Income$93,0006,799
Total noninterest expense$2,032,0005,536
Salaries and employee benefits$1,315,0004,716
Premises and equipment expense$192,0006,833
Additional noninterest expense$525,0006,263
Pre-tax net operating income$2,207,0003,078
Securities gains (losses)$04,449
Applicable income taxes$799,0002,749
Income before extraordinary items$1,408,0003,420
Extraordinary gains, net$032
Net income$1,408,0003,420
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,737
Cash dividends$600,0003,104
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,408,0003,331
1997-12-31 (YTD Data)Rank
Total interest income$6,726,0004,648
Total interest expense$3,006,0004,702
Net interest income$3,720,0004,504
Provision for loan and lease losses$277,0002,779
Total noninterest income$310,0006,534
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$263,0004,486
Trading account gains and feesNANA
Additional Noninterest Income$47,0008,573
Total noninterest expense$1,862,0005,942
Salaries and employee benefits$1,167,0005,222
Premises and equipment expense$161,0007,570
Additional noninterest expense$534,0006,243
Pre-tax net operating income$1,891,0003,716
Securities gains (losses)$03,944
Applicable income taxes$686,0003,285
Income before extraordinary items$1,205,0004,038
Extraordinary gains, net$044
Net income$1,205,0004,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$117,0003,491
Cash dividends$600,0003,054
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,205,0003,973
1996-12-31 (YTD Data)Rank
Total interest income$5,749,0005,338
Total interest expense$2,420,0005,643
Net interest income$3,329,0005,038
Provision for loan and lease losses$147,0004,139
Total noninterest income$279,0007,209
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0005,815
Trading account gains and feesNANA
Additional Noninterest Income$93,0007,355
Total noninterest expense$1,571,0006,912
Salaries and employee benefits$928,0006,318
Premises and equipment expense$87,0009,625
Additional noninterest expense$556,0006,641
Pre-tax net operating income$1,890,0003,563
Securities gains (losses)$44,0001,419
Applicable income taxes$671,0003,273
Income before extraordinary items$1,263,0003,708
Extraordinary gains, net$053
Net income$1,263,0003,707
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0006,315
Cash dividends$650,0002,880
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,234,4003,737
1995-12-31 (YTD Data)Rank
Total interest income$5,542,0005,557
Total interest expense$2,266,0005,946
Net interest income$3,276,0005,133
Provision for loan and lease losses$81,0005,069
Total noninterest income$234,0007,933
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$189,0005,888
Trading account gains and feesNANA
Additional Noninterest Income$45,0009,472
Total noninterest expense$1,431,0007,486
Salaries and employee benefits$923,0006,442
Premises and equipment expense$87,00010,006
Additional noninterest expense$421,0007,996
Pre-tax net operating income$1,998,0003,502
Securities gains (losses)$4,0002,936
Applicable income taxes$655,0003,422
Income before extraordinary items$1,347,0003,558
Extraordinary gains, net$065
Net income$1,347,0003,556
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0004,184
Cash dividends$600,0002,907
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,344,3203,549
1994-12-31 (YTD Data)Rank
Total interest income$4,797,0005,854
Total interest expense$1,684,0006,374
Net interest income$3,113,0005,453
Provision for loan and lease losses$64,0005,501
Total noninterest income$244,0008,040
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$201,0005,848
Trading account gains and feesNANA
Additional Noninterest Income$43,0009,980
Total noninterest expense$1,468,0007,703
Salaries and employee benefits$890,0006,706
Premises and equipment expense$90,00010,345
Additional noninterest expense$488,0007,969
Pre-tax net operating income$1,825,0003,693
Securities gains (losses)$3,0002,889
Applicable income taxes$615,0003,442
Income before extraordinary items$1,213,0003,815
Extraordinary gains, net$0249
Net income$1,213,0003,820
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,338
Cash dividends$550,0002,971
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,211,0203,848
1993-12-31 (YTD Data)Rank
Total interest income$4,638,0006,162
Total interest expense$1,697,0006,626
Net interest income$2,941,0005,746
Provision for loan and lease losses$58,0007,185
Total noninterest income$238,0008,569
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$191,0006,139
Trading account gains and feesNANA
Additional Noninterest Income$47,00010,262
Total noninterest expense$1,475,0007,911
Salaries and employee benefits$937,0006,500
Premises and equipment expense$87,00010,896
Additional noninterest expense$451,0008,716
Pre-tax net operating income$1,646,0003,977
Securities gains (losses)$2,0006,773
Applicable income taxes$529,0003,982
Income before extraordinary items$1,119,0004,262
Extraordinary gains, net$03,149
Net income$1,119,0004,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0007,153
Cash dividends$470,0003,266
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,117,6404,051
1992-12-31 (YTD Data)Rank
Total interest income$4,804,0006,568
Total interest expense$2,120,0006,815
Net interest income$2,684,0006,248
Provision for loan and lease losses$143,0006,243
Total noninterest income$225,0008,941
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$166,0006,705
Trading account gains and feesNANA
Additional Noninterest Income$59,0009,852
Total noninterest expense$1,499,0007,921
Salaries and employee benefits$935,0006,418
Premises and equipment expense$82,00011,425
Additional noninterest expense$482,0008,632
Pre-tax net operating income$1,267,0004,705
Securities gains (losses)$12,0006,245
Applicable income taxes$338,0005,495
Income before extraordinary items$941,0004,754
Extraordinary gains, net$01,422
Net income$941,0004,799
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0006,366
Cash dividends$400,0003,284
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$932,1204,476

* 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.