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First Bank, Federal Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$406,064,000	156
Total interest expense	$245,734,000	127
Net interest income	$160,330,000	193
Provision for loan and lease losses	$26,838,000	113
Total noninterest income	$65,757,000	200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	6,416
Trading account gains and fees	$0	262
Additional Noninterest Income	$65,604,000	146
Total noninterest expense	$162,210,000	171
Salaries and employee benefits	$30,022,000	279
Premises and equipment expense	$29,125,000	118
Additional noninterest expense	$103,063,000	144
Pre-tax net operating income	$37,039,000	302
Securities gains (losses)	$-9,589,000	11,450
Applicable income taxes	$17,412,000	250
Income before extraordinary items	$10,038,000	576
Extraordinary gains, net	$0	53
Net income	$10,038,000	577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,829,000	151
Cash dividends	$80,000,000	101
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$16,174,960	397
1995-12-31 (YTD Data)		Rank
Total interest income	$509,218,000	122
Total interest expense	$305,937,000	104
Net interest income	$203,281,000	158
Provision for loan and lease losses	$38,673,000	73
Total noninterest income	$96,141,000	149
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$96,141,000	102
Total noninterest expense	$143,413,000	184
Salaries and employee benefits	$34,069,000	266
Premises and equipment expense	$29,333,000	120
Additional noninterest expense	$80,011,000	163
Pre-tax net operating income	$117,336,000	127
Securities gains (losses)	$51,438,000	7
Applicable income taxes	$62,909,000	83
Income before extraordinary items	$105,865,000	97
Extraordinary gains, net	$0	65
Net income	$105,865,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,358,000	86
Cash dividends	$251,712,000	22
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$72,944,680	131
1994-12-31 (YTD Data)		Rank
Total interest income	$533,758,000	99
Total interest expense	$307,583,000	64
Net interest income	$226,175,000	132
Provision for loan and lease losses	$30,635,000	72
Total noninterest income	$36,971,000	270
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-347,000	4,916
Additional Noninterest Income	$37,318,000	193
Total noninterest expense	$208,977,000	136
Salaries and employee benefits	$55,366,000	179
Premises and equipment expense	$33,926,000	103
Additional noninterest expense	$119,685,000	112
Pre-tax net operating income	$23,534,000	411
Securities gains (losses)	$-111,292,000	12,606
Applicable income taxes	$-33,722,000	12,603
Income before extraordinary items	$-54,036,000	12,601
Extraordinary gains, net	$0	249
Net income	$-54,036,000	12,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,847,000	75
Cash dividends	$50,000,000	114
Sale, conversion, retirement of capital stock, net	$46,620,000	29
Net operating income	$17,190,880	364
1993-12-31 (YTD Data)		Rank
Total interest income	$464,865,000	103
Total interest expense	$254,434,000	72
Net interest income	$210,431,000	133
Provision for loan and lease losses	$7,858,000	325
Total noninterest income	$27,449,000	310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$27,449,000	210
Total noninterest expense	$158,104,000	166
Salaries and employee benefits	$56,226,000	166
Premises and equipment expense	$31,076,000	109
Additional noninterest expense	$70,802,000	177
Pre-tax net operating income	$71,918,000	158
Securities gains (losses)	$16,515,000	47
Applicable income taxes	$20,484,000	174
Income before extraordinary items	$67,949,000	131
Extraordinary gains, net	$0	3,149
Net income	$67,949,000	133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,261,000	262
Cash dividends	$21,672,000	165
Sale, conversion, retirement of capital stock, net	$21,750,000	68
Net operating income	$55,232,450	152
1992-12-31 (YTD Data)		Rank
Total interest income	$411,182,000	124
Total interest expense	$252,040,000	88
Net interest income	$159,142,000	166
Provision for loan and lease losses	$7,752,000	444
Total noninterest income	$67,153,000	169
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$44,362,000	14
Additional Noninterest Income	$22,791,000	239
Total noninterest expense	$119,850,000	210
Salaries and employee benefits	$38,233,000	227
Premises and equipment expense	$18,836,000	174
Additional noninterest expense	$62,781,000	199
Pre-tax net operating income	$98,693,000	89
Securities gains (losses)	$9,286,000	120
Applicable income taxes	$6,965,000	363
Income before extraordinary items	$101,014,000	62
Extraordinary gains, net	$35,126,000	8
Net income	$136,140,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,124,000	357
Cash dividends	$14,086,000	163
Sale, conversion, retirement of capital stock, net	$78,000,000	21
Net operating income	$92,285,160	64

* 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.