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First International Bank & Trust, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$4,420,000	6,004
Total interest expense	$1,895,000	6,189
Net interest income	$2,525,000	5,764
Provision for loan and lease losses	$216,000	3,389
Total noninterest income	$164,000	7,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	6,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,376
Total noninterest expense	$1,647,000	6,418
Salaries and employee benefits	$735,000	7,046
Premises and equipment expense	$243,000	6,141
Additional noninterest expense	$669,000	5,415
Pre-tax net operating income	$826,000	5,838
Securities gains (losses)	$0	3,155
Applicable income taxes	$272,000	5,027
Income before extraordinary items	$554,000	6,138
Extraordinary gains, net	$-6,000	10,144
Net income	$548,000	6,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,871
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$554,000	6,113
1998-12-31 (YTD Data)		Rank
Total interest income	$3,689,000	6,763
Total interest expense	$1,857,000	6,441
Net interest income	$1,832,000	6,984
Provision for loan and lease losses	$115,000	4,832
Total noninterest income	$157,000	8,128
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	6,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	9,156
Total noninterest expense	$1,232,000	7,450
Salaries and employee benefits	$544,000	8,085
Premises and equipment expense	$238,000	6,142
Additional noninterest expense	$450,000	6,802
Pre-tax net operating income	$642,000	6,715
Securities gains (losses)	$7,000	3,223
Applicable income taxes	$201,000	6,170
Income before extraordinary items	$448,000	6,927
Extraordinary gains, net	$0	32
Net income	$448,000	6,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$443,170	6,864
1997-12-31 (YTD Data)		Rank
Total interest income	$3,051,000	7,698
Total interest expense	$1,732,000	6,815
Net interest income	$1,319,000	8,427
Provision for loan and lease losses	$85,000	5,536
Total noninterest income	$102,000	9,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	7,447
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,252
Total noninterest expense	$1,074,000	8,082
Salaries and employee benefits	$438,000	9,024
Premises and equipment expense	$204,000	6,772
Additional noninterest expense	$432,000	7,087
Pre-tax net operating income	$262,000	9,225
Securities gains (losses)	$-5,000	9,661
Applicable income taxes	$101,000	8,381
Income before extraordinary items	$156,000	9,528
Extraordinary gains, net	$0	44
Net income	$156,000	9,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,728
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$159,200	9,466
1996-12-31 (YTD Data)		Rank
Total interest income	$2,496,000	8,700
Total interest expense	$1,560,000	7,420
Net interest income	$936,000	9,736
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$36,000	11,065
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	9,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,065
Total noninterest expense	$1,148,000	8,168
Salaries and employee benefits	$436,000	9,351
Premises and equipment expense	$227,000	6,573
Additional noninterest expense	$485,000	7,178
Pre-tax net operating income	$-236,000	11,100
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$-83,000	11,154
Income before extraordinary items	$-154,000	11,063
Extraordinary gains, net	$0	53
Net income	$-154,000	11,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-153,350	11,023
1995-12-31 (YTD Data)		Rank
Total interest income	$626,000	11,695
Total interest expense	$468,000	11,135
Net interest income	$158,000	11,895
Provision for loan and lease losses	$50,000	6,165
Total noninterest income	$19,000	11,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	10,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	11,437
Total noninterest expense	$426,000	11,345
Salaries and employee benefits	$101,000	11,871
Premises and equipment expense	$75,000	10,348
Additional noninterest expense	$250,000	9,821
Pre-tax net operating income	$-299,000	11,729
Securities gains (losses)	$0	3,831
Applicable income taxes	$-102,000	11,716
Income before extraordinary items	$-197,000	11,679
Extraordinary gains, net	$0	65
Net income	$-197,000	11,677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$6,675,000	74
Net operating income	$-197,000	11,667

* 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.