FirstBank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,275,000 | 2,468 |
| Total interest expense | $5,410,000 | 2,709 |
| Net interest income | $7,865,000 | 2,235 |
| Provision for loan and lease losses | $375,000 | 2,203 |
| Total noninterest income | $1,511,000 | 2,290 |
| Gross Fiduciary activities income | $206,000 | 860 |
| Service charges on deposit accounts | $841,000 | 1,568 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $464,000 | 3,098 |
| Total noninterest expense | $6,533,000 | 2,084 |
| Salaries and employee benefits | $3,089,000 | 2,273 |
| Premises and equipment expense | $1,072,000 | 1,911 |
| Additional noninterest expense | $2,372,000 | 1,850 |
| Pre-tax net operating income | $2,468,000 | 2,823 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $915,000 | 2,356 |
| Income before extraordinary items | $1,553,000 | 3,156 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,553,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 969 |
| Cash dividends | $1,650,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,553,000 | 3,122 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,647,000 | 2,388 |
| Total interest expense | $5,578,000 | 2,719 |
| Net interest income | $8,069,000 | 2,110 |
| Provision for loan and lease losses | $270,000 | 2,850 |
| Total noninterest income | $1,440,000 | 2,334 |
| Gross Fiduciary activities income | $152,000 | 924 |
| Service charges on deposit accounts | $863,000 | 1,454 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $425,000 | 3,303 |
| Total noninterest expense | $6,365,000 | 2,060 |
| Salaries and employee benefits | $2,926,000 | 2,304 |
| Premises and equipment expense | $1,052,000 | 1,881 |
| Additional noninterest expense | $2,387,000 | 1,777 |
| Pre-tax net operating income | $2,874,000 | 2,481 |
| Securities gains (losses) | $121,000 | 1,167 |
| Applicable income taxes | $1,059,000 | 2,202 |
| Income before extraordinary items | $1,936,000 | 2,632 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,936,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,543 |
| Cash dividends | $1,525,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,857,350 | 2,658 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,250,000 | 2,477 |
| Total interest expense | $5,357,000 | 2,793 |
| Net interest income | $7,893,000 | 2,225 |
| Provision for loan and lease losses | $958,000 | 1,020 |
| Total noninterest income | $1,273,000 | 2,495 |
| Gross Fiduciary activities income | $172,000 | 934 |
| Service charges on deposit accounts | $795,000 | 1,636 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $306,000 | 3,885 |
| Total noninterest expense | $5,959,000 | 2,147 |
| Salaries and employee benefits | $2,888,000 | 2,290 |
| Premises and equipment expense | $1,080,000 | 1,838 |
| Additional noninterest expense | $1,991,000 | 2,096 |
| Pre-tax net operating income | $2,249,000 | 3,192 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $584,000 | 3,769 |
| Income before extraordinary items | $1,665,000 | 3,052 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,665,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,543 |
| Cash dividends | $1,425,000 | 1,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,665,000 | 2,992 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,746,000 | 2,621 |
| Total interest expense | $5,094,000 | 2,948 |
| Net interest income | $7,652,000 | 2,358 |
| Provision for loan and lease losses | $117,000 | 4,776 |
| Total noninterest income | $1,339,000 | 2,491 |
| Gross Fiduciary activities income | $184,000 | 993 |
| Service charges on deposit accounts | $789,000 | 1,705 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $366,000 | 3,591 |
| Total noninterest expense | $5,405,000 | 2,524 |
| Salaries and employee benefits | $2,480,000 | 2,722 |
| Premises and equipment expense | $1,062,000 | 1,897 |
| Additional noninterest expense | $1,863,000 | 2,616 |
| Pre-tax net operating income | $3,469,000 | 2,067 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,277,000 | 1,894 |
| Income before extraordinary items | $2,192,000 | 2,253 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,192,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 1,650 |
| Cash dividends | $1,226,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,192,000 | 2,200 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,118,000 | 2,757 |
| Total interest expense | $4,567,000 | 3,273 |
| Net interest income | $7,551,000 | 2,374 |
| Provision for loan and lease losses | $245,000 | 2,607 |
| Total noninterest income | $1,392,000 | 2,419 |
| Gross Fiduciary activities income | $397,000 | 806 |
| Service charges on deposit accounts | $794,000 | 1,704 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $201,000 | 5,124 |
| Total noninterest expense | $5,252,000 | 2,586 |
| Salaries and employee benefits | $2,139,000 | 3,106 |
| Premises and equipment expense | $986,000 | 2,043 |
| Additional noninterest expense | $2,127,000 | 2,286 |
| Pre-tax net operating income | $3,446,000 | 2,127 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $1,215,000 | 2,006 |
| Income before extraordinary items | $2,237,000 | 2,252 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,237,000 | 2,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 1,466 |
| Cash dividends | $7,596,000 | 469 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,233,100 | 2,228 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,509,000 | 2,890 |
| Total interest expense | $3,853,000 | 3,172 |
| Net interest income | $6,656,000 | 2,722 |
| Provision for loan and lease losses | $561,000 | 1,410 |
| Total noninterest income | $1,521,000 | 2,270 |
| Gross Fiduciary activities income | $415,000 | 803 |
| Service charges on deposit accounts | $850,000 | 1,593 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $256,000 | 4,515 |
| Total noninterest expense | $5,249,000 | 2,653 |
| Salaries and employee benefits | $1,966,000 | 3,340 |
| Premises and equipment expense | $1,000,000 | 2,038 |
| Additional noninterest expense | $2,283,000 | 2,303 |
| Pre-tax net operating income | $2,367,000 | 2,980 |
| Securities gains (losses) | $79,000 | 884 |
| Applicable income taxes | $778,000 | 2,836 |
| Income before extraordinary items | $1,668,000 | 2,895 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,668,000 | 2,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,694 |
| Cash dividends | $1,185,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,614,280 | 3,006 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,571,000 | 2,936 |
| Total interest expense | $4,041,000 | 3,147 |
| Net interest income | $6,530,000 | 2,766 |
| Provision for loan and lease losses | $38,000 | 8,041 |
| Total noninterest income | $1,708,000 | 2,208 |
| Gross Fiduciary activities income | $534,000 | 738 |
| Service charges on deposit accounts | $879,000 | 1,552 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $295,000 | 4,513 |
| Total noninterest expense | $4,871,000 | 2,920 |
| Salaries and employee benefits | $1,861,000 | 3,507 |
| Premises and equipment expense | $972,000 | 2,114 |
| Additional noninterest expense | $2,038,000 | 2,690 |
| Pre-tax net operating income | $3,329,000 | 2,044 |
| Securities gains (losses) | $464,000 | 949 |
| Applicable income taxes | $1,304,000 | 1,799 |
| Income before extraordinary items | $2,489,000 | 2,014 |
| Extraordinary gains, net | $-205,000 | 13,051 |
| Net income | $2,284,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,954 |
| Cash dividends | $177,000 | 5,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,182,760 | 2,152 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,661,000 | 3,015 |
| Total interest expense | $5,105,000 | 3,260 |
| Net interest income | $6,556,000 | 2,794 |
| Provision for loan and lease losses | $624,000 | 2,566 |
| Total noninterest income | $2,514,000 | 1,650 |
| Gross Fiduciary activities income | $1,234,000 | 493 |
| Service charges on deposit accounts | $863,000 | 1,569 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $417,000 | 3,606 |
| Total noninterest expense | $5,089,000 | 2,816 |
| Salaries and employee benefits | $1,792,000 | 3,574 |
| Premises and equipment expense | $975,000 | 2,140 |
| Additional noninterest expense | $2,322,000 | 2,466 |
| Pre-tax net operating income | $3,357,000 | 1,844 |
| Securities gains (losses) | $937,000 | 685 |
| Applicable income taxes | $1,438,000 | 1,496 |
| Income before extraordinary items | $2,856,000 | 1,617 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,856,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $513,000 | 2,426 |
| Cash dividends | $1,226,000 | 1,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,228,210 | 1,890 |
* 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.