Home > The American National Bank > Income and Expense
The American National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,339,000 | 1,973 |
| Total interest expense | $2,226,000 | 3,669 |
| Net interest income | $12,113,000 | 1,604 |
| Provision for loan and lease losses | $285,000 | 3,294 |
| Total noninterest income | $4,188,000 | 1,299 |
| Gross Fiduciary activities income | $929,000 | 395 |
| Service charges on deposit accounts | $1,242,000 | 1,394 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,017,000 | 1,465 |
| Total noninterest expense | $10,407,000 | 1,533 |
| Salaries and employee benefits | $4,764,000 | 1,811 |
| Premises and equipment expense | $862,000 | 2,582 |
| Additional noninterest expense | $4,781,000 | 1,065 |
| Pre-tax net operating income | $5,609,000 | 1,473 |
| Securities gains (losses) | $393,000 | 889 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $6,002,000 | 1,075 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,002,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $576,000 | 1,436 |
| Cash dividends | $9,000,000 | 409 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,609,000 | 1,083 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,931,000 | 1,973 |
| Total interest expense | $1,760,000 | 3,622 |
| Net interest income | $9,171,000 | 1,600 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $3,082,000 | 1,348 |
| Gross Fiduciary activities income | $621,000 | 432 |
| Service charges on deposit accounts | $934,000 | 1,403 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,527,000 | 1,522 |
| Total noninterest expense | $8,089,000 | 1,485 |
| Salaries and employee benefits | $3,836,000 | 1,690 |
| Premises and equipment expense | $636,000 | 2,625 |
| Additional noninterest expense | $3,617,000 | 1,068 |
| Pre-tax net operating income | $3,924,000 | 1,611 |
| Securities gains (losses) | $393,000 | 801 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $4,317,000 | 1,159 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,317,000 | 1,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,545 |
| Cash dividends | $6,500,000 | 407 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,924,000 | 1,183 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,426,000 | 1,958 |
| Total interest expense | $1,248,000 | 3,545 |
| Net interest income | $6,178,000 | 1,585 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $1,977,000 | 1,379 |
| Gross Fiduciary activities income | $382,000 | 450 |
| Service charges on deposit accounts | $620,000 | 1,380 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $975,000 | 1,545 |
| Total noninterest expense | $5,391,000 | 1,485 |
| Salaries and employee benefits | $2,549,000 | 1,687 |
| Premises and equipment expense | $414,000 | 2,690 |
| Additional noninterest expense | $2,428,000 | 1,048 |
| Pre-tax net operating income | $2,704,000 | 1,557 |
| Securities gains (losses) | $393,000 | 674 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $3,097,000 | 1,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,097,000 | 1,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $3,000,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,704,000 | 1,143 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 3,424 |
| Total interest expense | $278,000 | 6,175 |
| Net interest income | $1,792,000 | 2,695 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $681,000 | 1,818 |
| Gross Fiduciary activities income | $180,000 | 467 |
| Service charges on deposit accounts | $182,000 | 2,205 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $319,000 | 2,024 |
| Total noninterest expense | $1,589,000 | 2,444 |
| Salaries and employee benefits | $771,000 | 2,695 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $713,000 | 1,652 |
| Pre-tax net operating income | $854,000 | 2,338 |
| Securities gains (losses) | $363,000 | 449 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $1,217,000 | 1,352 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,217,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,613 |
| Cash dividends | $1,100,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $854,000 | 1,738 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,138,000 | 3,261 |
| Total interest expense | $1,638,000 | 5,454 |
| Net interest income | $7,500,000 | 2,551 |
| Provision for loan and lease losses | $170,000 | 4,692 |
| Total noninterest income | $2,858,000 | 1,617 |
| Gross Fiduciary activities income | $793,000 | 450 |
| Service charges on deposit accounts | $769,000 | 2,072 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,296,000 | 1,841 |
| Total noninterest expense | $6,269,000 | 2,371 |
| Salaries and employee benefits | $2,972,000 | 2,651 |
| Premises and equipment expense | $667,000 | 3,126 |
| Additional noninterest expense | $2,630,000 | 1,779 |
| Pre-tax net operating income | $3,919,000 | 2,019 |
| Securities gains (losses) | $307,000 | 882 |
| Applicable income taxes | $565,000 | 3,212 |
| Income before extraordinary items | $3,661,000 | 1,633 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,661,000 | 1,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,499 |
| Cash dividends | $1,050,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,393,910 | 1,712 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,332,000 | 3,219 |
| Total interest expense | $2,889,000 | 4,867 |
| Net interest income | $7,443,000 | 2,411 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $2,563,000 | 1,666 |
| Gross Fiduciary activities income | $848,000 | 454 |
| Service charges on deposit accounts | $669,000 | 2,239 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,046,000 | 1,977 |
| Total noninterest expense | $6,000,000 | 2,379 |
| Salaries and employee benefits | $3,004,000 | 2,502 |
| Premises and equipment expense | $711,000 | 2,905 |
| Additional noninterest expense | $2,285,000 | 1,965 |
| Pre-tax net operating income | $3,886,000 | 1,812 |
| Securities gains (losses) | $322,000 | 862 |
| Applicable income taxes | $1,385,000 | 1,615 |
| Income before extraordinary items | $2,823,000 | 1,864 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,823,000 | 1,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,176 |
| Cash dividends | $1,195,000 | 1,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,607,260 | 1,928 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,664,000 | 3,226 |
| Total interest expense | $3,478,000 | 4,405 |
| Net interest income | $7,186,000 | 2,472 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $2,071,000 | 1,822 |
| Gross Fiduciary activities income | $787,000 | 475 |
| Service charges on deposit accounts | $517,000 | 2,619 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $767,000 | 2,204 |
| Total noninterest expense | $5,844,000 | 2,341 |
| Salaries and employee benefits | $2,652,000 | 2,684 |
| Premises and equipment expense | $860,000 | 2,401 |
| Additional noninterest expense | $2,332,000 | 1,885 |
| Pre-tax net operating income | $3,293,000 | 2,191 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $1,078,000 | 1,992 |
| Income before extraordinary items | $2,219,000 | 2,316 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,219,000 | 2,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $3,750,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,216,320 | 2,327 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,693,000 | 3,628 |
| Total interest expense | $2,334,000 | 5,444 |
| Net interest income | $6,359,000 | 2,767 |
| Provision for loan and lease losses | $168,000 | 4,004 |
| Total noninterest income | $2,140,000 | 1,767 |
| Gross Fiduciary activities income | $722,000 | 535 |
| Service charges on deposit accounts | $592,000 | 2,262 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $826,000 | 2,117 |
| Total noninterest expense | $5,902,000 | 2,310 |
| Salaries and employee benefits | $2,646,000 | 2,669 |
| Premises and equipment expense | $751,000 | 2,707 |
| Additional noninterest expense | $2,505,000 | 1,766 |
| Pre-tax net operating income | $2,429,000 | 2,857 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $775,000 | 2,707 |
| Income before extraordinary items | $1,650,000 | 3,008 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,650,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $800,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,652,720 | 2,969 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,640,000 | 3,670 |
| Total interest expense | $2,408,000 | 5,510 |
| Net interest income | $6,232,000 | 2,753 |
| Provision for loan and lease losses | $312,000 | 2,513 |
| Total noninterest income | $2,570,000 | 1,511 |
| Gross Fiduciary activities income | $732,000 | 533 |
| Service charges on deposit accounts | $536,000 | 2,396 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,302,000 | 1,538 |
| Total noninterest expense | $6,405,000 | 2,049 |
| Salaries and employee benefits | $3,296,000 | 2,047 |
| Premises and equipment expense | $819,000 | 2,394 |
| Additional noninterest expense | $2,290,000 | 1,847 |
| Pre-tax net operating income | $2,085,000 | 3,235 |
| Securities gains (losses) | $89,000 | 1,361 |
| Applicable income taxes | $683,000 | 3,087 |
| Income before extraordinary items | $1,491,000 | 3,283 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,491,000 | 3,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,429,590 | 3,292 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,288,000 | 3,847 |
| Total interest expense | $2,297,000 | 5,723 |
| Net interest income | $5,991,000 | 2,910 |
| Provision for loan and lease losses | $522,000 | 1,720 |
| Total noninterest income | $2,370,000 | 1,540 |
| Gross Fiduciary activities income | $643,000 | 583 |
| Service charges on deposit accounts | $599,000 | 2,191 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,128,000 | 1,622 |
| Total noninterest expense | $5,413,000 | 2,383 |
| Salaries and employee benefits | $3,014,000 | 2,199 |
| Premises and equipment expense | $598,000 | 3,165 |
| Additional noninterest expense | $1,801,000 | 2,308 |
| Pre-tax net operating income | $2,426,000 | 2,987 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $794,000 | 2,948 |
| Income before extraordinary items | $1,650,000 | 3,077 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,650,000 | 3,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,696 |
| Cash dividends | $800,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,637,760 | 3,036 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 4,121 |
| Total interest expense | $2,141,000 | 6,141 |
| Net interest income | $5,692,000 | 3,109 |
| Provision for loan and lease losses | $267,000 | 2,826 |
| Total noninterest income | $1,882,000 | 1,939 |
| Gross Fiduciary activities income | $592,000 | 654 |
| Service charges on deposit accounts | $521,000 | 2,621 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $769,000 | 2,160 |
| Total noninterest expense | $4,667,000 | 2,917 |
| Salaries and employee benefits | $2,587,000 | 2,587 |
| Premises and equipment expense | $530,000 | 3,605 |
| Additional noninterest expense | $1,550,000 | 3,040 |
| Pre-tax net operating income | $2,640,000 | 2,648 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $864,000 | 2,662 |
| Income before extraordinary items | $1,775,000 | 2,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,775,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,238 |
| Cash dividends | $2,920,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,775,670 | 2,689 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,723,000 | 4,142 |
| Total interest expense | $2,250,000 | 5,976 |
| Net interest income | $5,473,000 | 3,246 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,905,000 | 1,921 |
| Gross Fiduciary activities income | $473,000 | 758 |
| Service charges on deposit accounts | $513,000 | 2,642 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $919,000 | 1,911 |
| Total noninterest expense | $4,864,000 | 2,786 |
| Salaries and employee benefits | $2,598,000 | 2,569 |
| Premises and equipment expense | $532,000 | 3,562 |
| Additional noninterest expense | $1,734,000 | 2,701 |
| Pre-tax net operating income | $2,514,000 | 2,831 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $772,000 | 2,973 |
| Income before extraordinary items | $1,748,000 | 2,819 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,748,000 | 2,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,184 |
| Cash dividends | $1,200,000 | 1,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,743,860 | 2,790 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 4,306 |
| Total interest expense | $1,718,000 | 6,285 |
| Net interest income | $5,140,000 | 3,468 |
| Provision for loan and lease losses | $-167,000 | 12,289 |
| Total noninterest income | $1,925,000 | 1,883 |
| Gross Fiduciary activities income | $450,000 | 767 |
| Service charges on deposit accounts | $432,000 | 3,157 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,043,000 | 1,787 |
| Total noninterest expense | $4,872,000 | 2,845 |
| Salaries and employee benefits | $2,312,000 | 2,859 |
| Premises and equipment expense | $558,000 | 3,474 |
| Additional noninterest expense | $2,002,000 | 2,573 |
| Pre-tax net operating income | $2,360,000 | 2,990 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $737,000 | 2,983 |
| Income before extraordinary items | $1,644,000 | 2,929 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,644,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-160,000 | 12,358 |
| Cash dividends | $850,000 | 2,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,629,510 | 2,977 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,900,000 | 4,367 |
| Total interest expense | $1,846,000 | 6,219 |
| Net interest income | $5,054,000 | 3,540 |
| Provision for loan and lease losses | $-110,000 | 12,925 |
| Total noninterest income | $1,757,000 | 2,158 |
| Gross Fiduciary activities income | $363,000 | 871 |
| Service charges on deposit accounts | $366,000 | 3,731 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,028,000 | 1,998 |
| Total noninterest expense | $4,686,000 | 3,017 |
| Salaries and employee benefits | $2,225,000 | 2,948 |
| Premises and equipment expense | $573,000 | 3,467 |
| Additional noninterest expense | $1,888,000 | 2,864 |
| Pre-tax net operating income | $2,235,000 | 2,991 |
| Securities gains (losses) | $179,000 | 1,808 |
| Applicable income taxes | $760,000 | 2,872 |
| Income before extraordinary items | $1,654,000 | 2,954 |
| Extraordinary gains, net | $-30,000 | 12,558 |
| Net income | $1,624,000 | 3,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-162,000 | 13,069 |
| Cash dividends | $4,875,000 | 499 |
| Sale, conversion, retirement of capital stock, net | $-359,000 | 13,229 |
| Net operating income | $1,530,490 | 3,011 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,610,000 | 4,484 |
| Total interest expense | $2,659,000 | 5,705 |
| Net interest income | $4,951,000 | 3,673 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,737,000 | 2,139 |
| Gross Fiduciary activities income | $367,000 | 864 |
| Service charges on deposit accounts | $357,000 | 3,838 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,013,000 | 1,983 |
| Total noninterest expense | $4,462,000 | 3,186 |
| Salaries and employee benefits | $2,114,000 | 3,058 |
| Premises and equipment expense | $733,000 | 2,813 |
| Additional noninterest expense | $1,615,000 | 3,384 |
| Pre-tax net operating income | $2,226,000 | 2,803 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $539,000 | 3,749 |
| Income before extraordinary items | $1,689,000 | 2,728 |
| Extraordinary gains, net | $33,000 | 1,109 |
| Net income | $1,722,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 13,353 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,687,480 | 2,530 |
* 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.