FirstBank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,856,000 | 4,007 |
| Total interest expense | $3,473,000 | 4,157 |
| Net interest income | $4,383,000 | 3,826 |
| Provision for loan and lease losses | $187,000 | 3,652 |
| Total noninterest income | $1,245,000 | 2,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $644,000 | 1,992 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $601,000 | 2,647 |
| Total noninterest expense | $3,571,000 | 3,547 |
| Salaries and employee benefits | $1,764,000 | 3,731 |
| Premises and equipment expense | $479,000 | 3,814 |
| Additional noninterest expense | $1,328,000 | 3,076 |
| Pre-tax net operating income | $1,870,000 | 3,524 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $717,000 | 2,970 |
| Income before extraordinary items | $1,153,000 | 4,059 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,153,000 | 4,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,320 |
| Cash dividends | $860,000 | 2,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,153,000 | 3,964 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,542,000 | 4,207 |
| Total interest expense | $3,423,000 | 4,217 |
| Net interest income | $4,122,000 | 4,130 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $845,000 | 3,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $577,000 | 2,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,189 |
| Total noninterest expense | $3,203,000 | 3,890 |
| Salaries and employee benefits | $1,583,000 | 4,049 |
| Premises and equipment expense | $473,000 | 3,888 |
| Additional noninterest expense | $1,147,000 | 3,479 |
| Pre-tax net operating income | $1,599,000 | 4,241 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $617,000 | 3,586 |
| Income before extraordinary items | $982,000 | 4,764 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $982,000 | 4,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,572 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $982,000 | 4,701 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,875,000 | 4,651 |
| Total interest expense | $3,274,000 | 4,435 |
| Net interest income | $3,601,000 | 4,714 |
| Provision for loan and lease losses | $162,000 | 3,904 |
| Total noninterest income | $732,000 | 3,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 3,037 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,193 |
| Total noninterest expense | $3,319,000 | 3,978 |
| Salaries and employee benefits | $1,493,000 | 4,321 |
| Premises and equipment expense | $400,000 | 4,537 |
| Additional noninterest expense | $1,426,000 | 3,258 |
| Pre-tax net operating income | $852,000 | 6,291 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $332,000 | 5,503 |
| Income before extraordinary items | $520,000 | 6,764 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $520,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $61,000 | 7,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $520,000 | 6,711 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,248,000 | 5,026 |
| Total interest expense | $3,106,000 | 4,612 |
| Net interest income | $3,142,000 | 5,298 |
| Provision for loan and lease losses | $192,000 | 3,105 |
| Total noninterest income | $595,000 | 4,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,433 |
| Total noninterest expense | $2,666,000 | 4,719 |
| Salaries and employee benefits | $1,321,000 | 4,801 |
| Premises and equipment expense | $402,000 | 4,513 |
| Additional noninterest expense | $943,000 | 4,576 |
| Pre-tax net operating income | $879,000 | 6,516 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $351,000 | 5,431 |
| Income before extraordinary items | $528,000 | 7,040 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $528,000 | 7,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 543 |
| Net operating income | $528,000 | 7,017 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 5,578 |
| Total interest expense | $2,213,000 | 5,129 |
| Net interest income | $2,898,000 | 5,742 |
| Provision for loan and lease losses | $178,000 | 3,284 |
| Total noninterest income | $429,000 | 5,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $429,000 | 3,265 |
| Total noninterest expense | $2,504,000 | 5,149 |
| Salaries and employee benefits | $1,307,000 | 4,849 |
| Premises and equipment expense | $596,000 | 3,289 |
| Additional noninterest expense | $601,000 | 7,035 |
| Pre-tax net operating income | $645,000 | 7,750 |
| Securities gains (losses) | $161,000 | 571 |
| Applicable income taxes | $303,000 | 5,839 |
| Income before extraordinary items | $503,000 | 7,288 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $503,000 | 7,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $251,000 | 657 |
| Net operating income | $399,960 | 8,246 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,057,000 | 5,722 |
| Total interest expense | $2,354,000 | 5,058 |
| Net interest income | $2,703,000 | 6,159 |
| Provision for loan and lease losses | $149,000 | 4,708 |
| Total noninterest income | $310,000 | 7,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $310,000 | 4,382 |
| Total noninterest expense | $2,289,000 | 5,687 |
| Salaries and employee benefits | $1,197,000 | 5,259 |
| Premises and equipment expense | $532,000 | 3,672 |
| Additional noninterest expense | $560,000 | 7,684 |
| Pre-tax net operating income | $575,000 | 8,127 |
| Securities gains (losses) | $253,000 | 1,447 |
| Applicable income taxes | $323,000 | 5,803 |
| Income before extraordinary items | $505,000 | 7,504 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $505,000 | 7,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 5,636 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 723 |
| Net operating income | $343,080 | 8,741 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,002,000 | 6,385 |
| Total interest expense | $2,654,000 | 5,712 |
| Net interest income | $2,348,000 | 6,895 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $244,000 | 8,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $244,000 | 5,037 |
| Total noninterest expense | $1,971,000 | 6,454 |
| Salaries and employee benefits | $963,000 | 6,248 |
| Premises and equipment expense | $453,000 | 4,319 |
| Additional noninterest expense | $555,000 | 7,934 |
| Pre-tax net operating income | $543,000 | 8,111 |
| Securities gains (losses) | $250,000 | 1,724 |
| Applicable income taxes | $278,000 | 6,248 |
| Income before extraordinary items | $515,000 | 7,199 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $515,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $107,000 | 816 |
| Net operating income | $352,500 | 8,330 |
* 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.