FIRSTBANK, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,864,000 | 4,035 |
| Total interest expense | $2,740,000 | 5,059 |
| Net interest income | $5,124,000 | 3,415 |
| Provision for loan and lease losses | $67,000 | 5,992 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $2,261,000 | 5,181 |
| Salaries and employee benefits | $1,426,000 | 4,434 |
| Premises and equipment expense | $120,000 | 8,493 |
| Additional noninterest expense | $715,000 | 5,134 |
| Pre-tax net operating income | $2,980,000 | 2,509 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $190,000 | 7,017 |
| Income before extraordinary items | $2,790,000 | 1,890 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,790,000 | 1,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $1,034,000 | 2,105 |
| Sale, conversion, retirement of capital stock, net | $-123,000 | 10,782 |
| Net operating income | $2,790,000 | 1,838 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 5,118 |
| Total interest expense | $2,047,000 | 6,326 |
| Net interest income | $4,061,000 | 4,267 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $176,000 | 8,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,447 |
| Total noninterest expense | $1,959,000 | 6,019 |
| Salaries and employee benefits | $1,199,000 | 5,212 |
| Premises and equipment expense | $107,000 | 9,100 |
| Additional noninterest expense | $653,000 | 6,012 |
| Pre-tax net operating income | $2,233,000 | 3,114 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $762,000 | 2,979 |
| Income before extraordinary items | $1,473,000 | 3,242 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,473,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $172,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $-87,000 | 11,346 |
| Net operating income | $1,471,680 | 3,207 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 5,779 |
| Total interest expense | $1,680,000 | 7,189 |
| Net interest income | $3,575,000 | 4,765 |
| Provision for loan and lease losses | $176,000 | 3,326 |
| Total noninterest income | $142,000 | 9,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $1,739,000 | 6,626 |
| Salaries and employee benefits | $1,127,000 | 5,489 |
| Premises and equipment expense | $162,000 | 7,994 |
| Additional noninterest expense | $450,000 | 7,705 |
| Pre-tax net operating income | $1,802,000 | 3,840 |
| Securities gains (losses) | $-25,000 | 10,717 |
| Applicable income taxes | $604,000 | 3,643 |
| Income before extraordinary items | $1,173,000 | 4,039 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,173,000 | 4,037 |
| 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 | $0 | 809 |
| Net operating income | $1,189,500 | 3,975 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,468,000 | 7,377 |
| Total interest expense | $1,098,000 | 8,295 |
| Net interest income | $2,370,000 | 6,717 |
| Provision for loan and lease losses | $146,000 | 3,670 |
| Total noninterest income | $93,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $1,378,000 | 7,981 |
| Salaries and employee benefits | $837,000 | 6,997 |
| Premises and equipment expense | $66,000 | 11,093 |
| Additional noninterest expense | $475,000 | 8,101 |
| Pre-tax net operating income | $939,000 | 6,219 |
| Securities gains (losses) | $-66,000 | 11,252 |
| Applicable income taxes | $297,000 | 5,908 |
| Income before extraordinary items | $576,000 | 6,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $576,000 | 6,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $619,560 | 6,465 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,937,000 | 10,304 |
| Total interest expense | $580,000 | 11,261 |
| Net interest income | $1,357,000 | 9,554 |
| Provision for loan and lease losses | $117,000 | 5,397 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 10,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $1,024,000 | 9,628 |
| Salaries and employee benefits | $604,000 | 8,773 |
| Premises and equipment expense | $60,000 | 11,855 |
| Additional noninterest expense | $360,000 | 9,731 |
| Pre-tax net operating income | $297,000 | 10,267 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $292,000 | 9,584 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $292,000 | 9,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $273,600 | 9,511 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $151,000 | 13,874 |
| Total interest expense | $71,000 | 13,844 |
| Net interest income | $80,000 | 13,865 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $2,000 | 13,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 11,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 13,843 |
| Total noninterest expense | $284,000 | 13,605 |
| Salaries and employee benefits | $109,000 | 13,760 |
| Premises and equipment expense | $35,000 | 13,246 |
| Additional noninterest expense | $140,000 | 13,095 |
| Pre-tax net operating income | $-247,000 | 13,133 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-247,000 | 13,219 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-247,000 | 13,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 219 |
| Net operating income | $-247,000 | 13,101 |
* 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.