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First Sun Bank of America, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,658,000	6,238
Total interest expense	$2,276,000	5,890
Net interest income	$2,382,000	6,415
Provision for loan and lease losses	$0	9,041
Total noninterest income	$398,000	5,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$197,000	5,613
Trading account gains and fees	NA	NA
Additional Noninterest Income	$201,000	5,145
Total noninterest expense	$1,569,000	6,918
Salaries and employee benefits	$859,000	6,660
Premises and equipment expense	$245,000	6,318
Additional noninterest expense	$465,000	7,347
Pre-tax net operating income	$1,211,000	5,094
Securities gains (losses)	$0	4,148
Applicable income taxes	$328,000	5,538
Income before extraordinary items	$883,000	4,947
Extraordinary gains, net	$0	53
Net income	$883,000	4,948
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	10,644
Cash dividends	$598,000	3,080
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$883,000	4,890
1995-12-31 (YTD Data)		Rank
Total interest income	$1,805,000	10,027
Total interest expense	$878,000	9,703
Net interest income	$927,000	10,164
Provision for loan and lease losses	$-35,000	11,544
Total noninterest income	$174,000	8,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	7,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,130
Total noninterest expense	$747,000	9,996
Salaries and employee benefits	$455,000	9,495
Premises and equipment expense	$100,000	9,626
Additional noninterest expense	$192,000	10,515
Pre-tax net operating income	$389,000	9,139
Securities gains (losses)	$0	3,831
Applicable income taxes	$104,000	9,095
Income before extraordinary items	$285,000	9,085
Extraordinary gains, net	$0	65
Net income	$285,000	9,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	11,327
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$285,000	9,058
1994-12-31 (YTD Data)		Rank
Total interest income	$1,563,000	10,605
Total interest expense	$604,000	10,580
Net interest income	$959,000	10,523
Provision for loan and lease losses	$-35,000	11,926
Total noninterest income	$149,000	9,723
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	10,793
Total noninterest expense	$702,000	10,694
Salaries and employee benefits	$416,000	10,140
Premises and equipment expense	$90,000	10,345
Additional noninterest expense	$196,000	11,198
Pre-tax net operating income	$441,000	9,058
Securities gains (losses)	$0	3,600
Applicable income taxes	$129,000	8,731
Income before extraordinary items	$312,000	9,013
Extraordinary gains, net	$0	249
Net income	$312,000	9,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	11,710
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$312,000	9,086
1993-12-31 (YTD Data)		Rank
Total interest income	$1,468,000	11,312
Total interest expense	$559,000	11,373
Net interest income	$909,000	11,132
Provision for loan and lease losses	$0	10,371
Total noninterest income	$166,000	9,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	10,795
Total noninterest expense	$670,000	11,306
Salaries and employee benefits	$409,000	10,544
Premises and equipment expense	$84,000	11,010
Additional noninterest expense	$177,000	12,062
Pre-tax net operating income	$405,000	9,372
Securities gains (losses)	$0	7,477
Applicable income taxes	$100,000	9,745
Income before extraordinary items	$305,000	9,424
Extraordinary gains, net	$0	3,149
Net income	$305,000	9,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$305,000	9,168
1992-12-31 (YTD Data)		Rank
Total interest income	$1,418,000	12,150
Total interest expense	$640,000	12,114
Net interest income	$787,000	11,968
Provision for loan and lease losses	$0	11,756
Total noninterest income	$112,000	11,406
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$531,000	12,445
Salaries and employee benefits	$302,000	11,986
Premises and equipment expense	$81,000	11,458
Additional noninterest expense	$148,000	12,985
Pre-tax net operating income	$368,000	9,518
Securities gains (losses)	$0	8,369
Applicable income taxes	$143,000	8,814
Income before extraordinary items	$225,000	10,252
Extraordinary gains, net	$0	1,422
Net income	$225,000	10,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-40,000	13,403
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$225,000	9,896

* 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.