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Midamerica Bank of St. Clair County, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,074,000	8,331
Total interest expense	$1,252,000	7,692
Net interest income	$822,000	8,846
Provision for loan and lease losses	$275,000	3,040
Total noninterest income	$107,000	8,502
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	7,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	7,603
Total noninterest expense	$1,060,000	7,845
Salaries and employee benefits	$395,000	8,772
Premises and equipment expense	$179,000	7,097
Additional noninterest expense	$486,000	6,531
Pre-tax net operating income	$-406,000	9,481
Securities gains (losses)	$0	1,956
Applicable income taxes	$-85,000	9,555
Income before extraordinary items	$-321,000	9,460
Extraordinary gains, net	$0	38
Net income	$-321,000	9,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	2,055
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-321,000	9,462
1999-12-31 (YTD Data)		Rank
Total interest income	$1,791,000	8,724
Total interest expense	$1,047,000	8,056
Net interest income	$744,000	9,183
Provision for loan and lease losses	$194,000	3,629
Total noninterest income	$114,000	8,611
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	7,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	8,163
Total noninterest expense	$990,000	8,152
Salaries and employee benefits	$279,000	9,582
Premises and equipment expense	$180,000	7,132
Additional noninterest expense	$531,000	6,275
Pre-tax net operating income	$-326,000	9,731
Securities gains (losses)	$0	3,155
Applicable income taxes	$-65,000	9,864
Income before extraordinary items	$-261,000	9,730
Extraordinary gains, net	$0	35
Net income	$-261,000	9,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,426
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-261,000	9,709
1998-12-31 (YTD Data)		Rank
Total interest income	$1,638,000	9,115
Total interest expense	$943,000	8,577
Net interest income	$695,000	9,506
Provision for loan and lease losses	$102,000	5,052
Total noninterest income	$87,000	9,240
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,314
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,232
Total noninterest expense	$978,000	8,179
Salaries and employee benefits	$271,000	9,774
Premises and equipment expense	$181,000	7,033
Additional noninterest expense	$526,000	6,257
Pre-tax net operating income	$-298,000	10,068
Securities gains (losses)	$0	4,449
Applicable income taxes	$-94,000	10,218
Income before extraordinary items	$-204,000	10,051
Extraordinary gains, net	$0	32
Net income	$-204,000	10,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,916
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-204,000	10,020
1997-12-31 (YTD Data)		Rank
Total interest income	$129,000	10,861
Total interest expense	$72,000	10,802
Net interest income	$57,000	10,884
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$9,000	10,792
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	9,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	10,710
Total noninterest expense	$69,000	10,902
Salaries and employee benefits	$24,000	10,898
Premises and equipment expense	$14,000	10,816
Additional noninterest expense	$31,000	10,883
Pre-tax net operating income	$-15,000	10,403
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-15,000	10,422
Extraordinary gains, net	$0	44
Net income	$-15,000	10,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,272
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-15,000	10,386
1996-12-31 (YTD Data)		Rank
Total interest income	$531,000	11,236
Total interest expense	$246,000	11,171
Net interest income	$285,000	11,248
Provision for loan and lease losses	$32,000	7,338
Total noninterest income	$30,000	11,136
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	9,540
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	11,065
Total noninterest expense	$875,000	9,146
Salaries and employee benefits	$415,000	9,502
Premises and equipment expense	$137,000	8,364
Additional noninterest expense	$323,000	8,640
Pre-tax net operating income	$-592,000	11,275
Securities gains (losses)	$0	4,148
Applicable income taxes	$-187,000	11,258
Income before extraordinary items	$-405,000	11,232
Extraordinary gains, net	$0	53
Net income	$-405,000	11,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$4,050,000	184
Net operating income	$-405,000	11,204

* 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.