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The First American Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$973,000	9,415
Total interest expense	$483,000	9,280
Net interest income	$490,000	9,474
Provision for loan and lease losses	$0	8,337
Total noninterest income	$148,000	7,920
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	6,658
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	7,695
Total noninterest expense	$572,000	9,184
Salaries and employee benefits	$396,000	8,768
Premises and equipment expense	$28,000	9,695
Additional noninterest expense	$148,000	9,253
Pre-tax net operating income	$66,000	8,922
Securities gains (losses)	$4,000	1,432
Applicable income taxes	$12,000	8,023
Income before extraordinary items	$58,000	8,931
Extraordinary gains, net	$0	38
Net income	$58,000	8,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$54,680	8,933
1999-12-31 (YTD Data)		Rank
Total interest income	$882,000	9,713
Total interest expense	$387,000	9,673
Net interest income	$495,000	9,694
Provision for loan and lease losses	$0	8,503
Total noninterest income	$114,000	8,611
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$88,000	6,960
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,007
Total noninterest expense	$523,000	9,568
Salaries and employee benefits	$355,000	9,157
Premises and equipment expense	$60,000	9,430
Additional noninterest expense	$108,000	9,867
Pre-tax net operating income	$86,000	9,123
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$8,000	8,537
Income before extraordinary items	$82,000	9,082
Extraordinary gains, net	$0	35
Net income	$82,000	9,080
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$78,360	9,071
1998-12-31 (YTD Data)		Rank
Total interest income	$828,000	9,999
Total interest expense	$390,000	9,906
Net interest income	$438,000	10,027
Provision for loan and lease losses	$0	8,652
Total noninterest income	$98,000	9,056
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,260
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	9,614
Total noninterest expense	$535,000	9,652
Salaries and employee benefits	$342,000	9,346
Premises and equipment expense	$143,000	7,816
Additional noninterest expense	$50,000	10,388
Pre-tax net operating income	$1,000	9,779
Securities gains (losses)	$4,000	3,561
Applicable income taxes	$0	9,340
Income before extraordinary items	$5,000	9,818
Extraordinary gains, net	$0	32
Net income	$5,000	9,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,000	9,785
1997-12-31 (YTD Data)		Rank
Total interest income	$804,000	10,472
Total interest expense	$377,000	10,377
Net interest income	$427,000	10,521
Provision for loan and lease losses	$-127,000	10,800
Total noninterest income	$102,000	9,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	7,654
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,735
Total noninterest expense	$607,000	9,721
Salaries and employee benefits	$423,000	9,115
Premises and equipment expense	$82,000	9,385
Additional noninterest expense	$102,000	10,528
Pre-tax net operating income	$49,000	10,246
Securities gains (losses)	$0	3,944
Applicable income taxes	$9,000	9,906
Income before extraordinary items	$40,000	10,287
Extraordinary gains, net	$0	44
Net income	$40,000	10,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-127,000	10,755
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$40,000	10,250
1996-12-31 (YTD Data)		Rank
Total interest income	$755,000	11,067
Total interest expense	$356,000	10,973
Net interest income	$399,000	11,087
Provision for loan and lease losses	$-10,000	11,091
Total noninterest income	$101,000	9,876
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	8,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,065
Total noninterest expense	$469,000	10,704
Salaries and employee benefits	$351,000	9,945
Premises and equipment expense	$34,000	11,051
Additional noninterest expense	$84,000	11,215
Pre-tax net operating income	$41,000	10,641
Securities gains (losses)	$0	4,148
Applicable income taxes	$5,000	10,459
Income before extraordinary items	$36,000	10,649
Extraordinary gains, net	$0	53
Net income	$36,000	10,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,393
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$36,000	10,601
1995-12-31 (YTD Data)		Rank
Total interest income	$728,000	11,601
Total interest expense	$362,000	11,442
Net interest income	$366,000	11,668
Provision for loan and lease losses	$-10,000	11,420
Total noninterest income	$100,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	10,775
Total noninterest expense	$442,000	11,270
Salaries and employee benefits	$320,000	10,589
Premises and equipment expense	$16,000	11,846
Additional noninterest expense	$106,000	11,561
Pre-tax net operating income	$34,000	11,369
Securities gains (losses)	$0	3,831
Applicable income taxes	$5,000	11,015
Income before extraordinary items	$29,000	11,392
Extraordinary gains, net	$0	65
Net income	$29,000	11,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,662
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$29,000	11,357
1994-12-31 (YTD Data)		Rank
Total interest income	$720,000	12,181
Total interest expense	$272,000	12,134
Net interest income	$448,000	12,136
Provision for loan and lease losses	$1,000	9,105
Total noninterest income	$88,000	11,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,860
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,845
Total noninterest expense	$505,000	11,601
Salaries and employee benefits	$353,000	10,701
Premises and equipment expense	$22,000	12,402
Additional noninterest expense	$130,000	12,021
Pre-tax net operating income	$30,000	11,989
Securities gains (losses)	$0	3,600
Applicable income taxes	$8,000	11,420
Income before extraordinary items	$22,000	11,960
Extraordinary gains, net	$0	249
Net income	$22,000	11,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$22,000	11,996
1993-12-31 (YTD Data)		Rank
Total interest income	$738,000	12,753
Total interest expense	$271,000	12,781
Net interest income	$467,000	12,646
Provision for loan and lease losses	$-9,000	12,490
Total noninterest income	$97,000	11,399
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,849
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	12,609
Total noninterest expense	$544,000	11,948
Salaries and employee benefits	$369,000	10,953
Premises and equipment expense	$27,000	12,925
Additional noninterest expense	$148,000	12,451
Pre-tax net operating income	$29,000	12,277
Securities gains (losses)	$0	7,477
Applicable income taxes	$6,000	11,928
Income before extraordinary items	$23,000	12,410
Extraordinary gains, net	$0	3,149
Net income	$23,000	12,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	11,674
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$23,000	12,280
1992-12-31 (YTD Data)		Rank
Total interest income	$870,000	13,241
Total interest expense	$376,000	13,276
Net interest income	$494,000	13,103
Provision for loan and lease losses	$-9,000	13,470
Total noninterest income	$95,000	11,854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	9,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,899
Total noninterest expense	$542,000	12,394
Salaries and employee benefits	$361,000	11,327
Premises and equipment expense	$22,000	13,625
Additional noninterest expense	$159,000	12,806
Pre-tax net operating income	$56,000	12,378
Securities gains (losses)	$15,000	5,962
Applicable income taxes	$13,000	12,284
Income before extraordinary items	$58,000	12,480
Extraordinary gains, net	$0	1,422
Net income	$58,000	12,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	12,762
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$45,700	12,344

* 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.