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First Bank Howe, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$2,632,0007,763
Total interest expense$979,0008,226
Net interest income$1,653,0007,278
Provision for loan and lease losses$55,0006,383
Total noninterest income$258,0006,862
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0004,702
Trading account gains and feesNANA
Additional Noninterest Income$25,0009,055
Total noninterest expense$1,487,0006,812
Salaries and employee benefits$808,0006,715
Premises and equipment expense$201,0006,799
Additional noninterest expense$478,0006,687
Pre-tax net operating income$369,0007,747
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$369,0007,169
Extraordinary gains, net$035
Net income$369,0007,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$145,0005,709
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$369,0007,141
1998-12-31 (YTD Data)Rank
Total interest income$2,197,0008,446
Total interest expense$804,0008,929
Net interest income$1,393,0007,918
Provision for loan and lease losses$08,652
Total noninterest income$265,0006,828
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$200,0005,148
Trading account gains and feesNANA
Additional Noninterest Income$65,0007,637
Total noninterest expense$976,0008,190
Salaries and employee benefits$551,0008,044
Premises and equipment expense$92,0008,886
Additional noninterest expense$333,0007,812
Pre-tax net operating income$682,0006,553
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$682,0005,689
Extraordinary gains, net$032
Net income$682,0005,688
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,450
Cash dividends$390,0004,073
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$682,0005,582
1997-12-31 (YTD Data)Rank
Total interest income$2,113,0008,871
Total interest expense$762,0009,361
Net interest income$1,351,0008,352
Provision for loan and lease losses$08,829
Total noninterest income$204,0007,784
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$174,0005,757
Trading account gains and feesNANA
Additional Noninterest Income$30,0009,328
Total noninterest expense$853,0008,839
Salaries and employee benefits$463,0008,863
Premises and equipment expense$64,0009,853
Additional noninterest expense$326,0008,063
Pre-tax net operating income$702,0006,969
Securities gains (losses)$03,944
Applicable income taxes$118,0008,120
Income before extraordinary items$584,0006,457
Extraordinary gains, net$044
Net income$584,0006,460
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,835
Cash dividends$500,0003,451
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$584,0006,401
1996-12-31 (YTD Data)Rank
Total interest income$1,995,0009,384
Total interest expense$718,0009,917
Net interest income$1,277,0008,829
Provision for loan and lease losses$-25,00011,143
Total noninterest income$211,0008,070
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$176,0005,995
Trading account gains and feesNANA
Additional Noninterest Income$35,0009,600
Total noninterest expense$844,0009,268
Salaries and employee benefits$455,0009,207
Premises and equipment expense$71,00010,045
Additional noninterest expense$318,0008,690
Pre-tax net operating income$669,0007,073
Securities gains (losses)$04,148
Applicable income taxes$219,0006,854
Income before extraordinary items$450,0007,237
Extraordinary gains, net$053
Net income$450,0007,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,694
Cash dividends$410,0003,819
Sale, conversion, retirement of capital stock, net$0953
Net operating income$450,0007,188
1995-12-31 (YTD Data)Rank
Total interest income$1,827,00010,002
Total interest expense$648,00010,495
Net interest income$1,179,0009,399
Provision for loan and lease losses$-13,00011,437
Total noninterest income$198,0008,457
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0006,528
Trading account gains and feesNANA
Additional Noninterest Income$42,0009,621
Total noninterest expense$805,0009,749
Salaries and employee benefits$430,0009,691
Premises and equipment expense$65,00010,624
Additional noninterest expense$310,0009,150
Pre-tax net operating income$585,0007,956
Securities gains (losses)$2,0003,270
Applicable income taxes$211,0007,247
Income before extraordinary items$376,0008,263
Extraordinary gains, net$065
Net income$376,0008,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00010,757
Cash dividends$360,0004,106
Sale, conversion, retirement of capital stock, net$0809
Net operating income$374,7208,267
1994-12-31 (YTD Data)Rank
Total interest income$1,485,00010,758
Total interest expense$473,00011,217
Net interest income$1,012,00010,349
Provision for loan and lease losses$-137,00012,240
Total noninterest income$254,0007,886
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$170,0006,445
Trading account gains and feesNANA
Additional Noninterest Income$84,0008,071
Total noninterest expense$793,00010,278
Salaries and employee benefits$417,00010,132
Premises and equipment expense$63,00011,198
Additional noninterest expense$313,0009,804
Pre-tax net operating income$610,0007,945
Securities gains (losses)$03,600
Applicable income taxes$106,0009,219
Income before extraordinary items$504,0007,279
Extraordinary gains, net$0249
Net income$504,0007,284
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0004,864
Cash dividends$265,0004,788
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$504,0007,314
1993-12-31 (YTD Data)Rank
Total interest income$1,052,00012,175
Total interest expense$357,00012,408
Net interest income$695,00011,901
Provision for loan and lease losses$010,371
Total noninterest income$191,0009,391
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$122,0007,788
Trading account gains and feesNANA
Additional Noninterest Income$69,0009,126
Total noninterest expense$559,00011,855
Salaries and employee benefits$291,00011,757
Premises and equipment expense$33,00012,758
Additional noninterest expense$235,00011,256
Pre-tax net operating income$327,00010,005
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$327,0009,158
Extraordinary gains, net$26,0002,568
Net income$353,0009,080
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,00011,543
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$327,0008,901
1992-12-31 (YTD Data)Rank
Total interest income$1,822,00011,254
Total interest expense$715,00011,734
Net interest income$1,107,00010,673
Provision for loan and lease losses$85,0007,723
Total noninterest income$189,0009,628
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$153,0007,026
Trading account gains and feesNANA
Additional Noninterest Income$36,00011,337
Total noninterest expense$1,138,0009,336
Salaries and employee benefits$469,00010,097
Premises and equipment expense$93,00010,996
Additional noninterest expense$576,0007,725
Pre-tax net operating income$73,00012,254
Securities gains (losses)$08,369
Applicable income taxes$35,00011,656
Income before extraordinary items$38,00012,656
Extraordinary gains, net$01,422
Net income$38,00012,654
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0006,088
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$38,00012,403

* 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.