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Alvin State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$9,062,0003,522
Total interest expense$3,147,0004,545
Net interest income$5,915,0002,919
Provision for loan and lease losses$1,143,000868
Total noninterest income$1,434,0002,343
Gross Fiduciary activities income$113,000987
Service charges on deposit accounts$900,0001,396
Trading account gains and fees$0224
Additional Noninterest Income$421,0003,325
Total noninterest expense$4,520,0002,876
Salaries and employee benefits$2,328,0002,909
Premises and equipment expense$585,0003,241
Additional noninterest expense$1,607,0002,616
Pre-tax net operating income$1,686,0003,829
Securities gains (losses)$04,449
Applicable income taxes$307,0005,109
Income before extraordinary items$1,379,0003,488
Extraordinary gains, net$032
Net income$1,379,0003,489
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$521,0001,220
Cash dividends$4,802,000658
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,379,0003,392
1997-12-31 (YTD Data)Rank
Total interest income$8,813,0003,637
Total interest expense$3,150,0004,517
Net interest income$5,663,0003,080
Provision for loan and lease losses$291,0002,689
Total noninterest income$1,489,0002,205
Gross Fiduciary activities income$96,0001,059
Service charges on deposit accounts$948,0001,352
Trading account gains and fees$0239
Additional Noninterest Income$445,0003,068
Total noninterest expense$4,119,0003,100
Salaries and employee benefits$2,399,0002,758
Premises and equipment expense$533,0003,501
Additional noninterest expense$1,187,0003,389
Pre-tax net operating income$2,742,0002,702
Securities gains (losses)$03,944
Applicable income taxes$860,0002,770
Income before extraordinary items$1,882,0002,723
Extraordinary gains, net$044
Net income$1,882,0002,722
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$313,0001,908
Cash dividends$800,0002,545
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,882,0002,669
1996-12-31 (YTD Data)Rank
Total interest income$8,083,0003,998
Total interest expense$2,707,0005,213
Net interest income$5,376,0003,296
Provision for loan and lease losses$70,0005,840
Total noninterest income$1,391,0002,431
Gross Fiduciary activities income$79,0001,158
Service charges on deposit accounts$967,0001,393
Trading account gains and fees$0262
Additional Noninterest Income$345,0003,729
Total noninterest expense$4,038,0003,321
Salaries and employee benefits$2,314,0002,887
Premises and equipment expense$565,0003,398
Additional noninterest expense$1,159,0003,896
Pre-tax net operating income$2,659,0002,632
Securities gains (losses)$04,148
Applicable income taxes$820,0002,783
Income before extraordinary items$1,839,0002,642
Extraordinary gains, net$053
Net income$1,839,0002,644
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0004,536
Cash dividends$800,0002,476
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,839,0002,603
1995-12-31 (YTD Data)Rank
Total interest income$7,789,0004,113
Total interest expense$2,623,0005,351
Net interest income$5,166,0003,427
Provision for loan and lease losses$120,0004,090
Total noninterest income$1,363,0002,454
Gross Fiduciary activities income$106,0001,152
Service charges on deposit accounts$948,0001,443
Trading account gains and fees$0522
Additional Noninterest Income$309,0003,930
Total noninterest expense$3,874,0003,427
Salaries and employee benefits$2,066,0003,210
Premises and equipment expense$518,0003,648
Additional noninterest expense$1,290,0003,522
Pre-tax net operating income$2,535,0002,805
Securities gains (losses)$03,831
Applicable income taxes$760,0003,005
Income before extraordinary items$1,775,0002,780
Extraordinary gains, net$065
Net income$1,775,0002,779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$128,0003,265
Cash dividends$800,0002,402
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,775,0002,743
1994-12-31 (YTD Data)Rank
Total interest income$6,812,0004,327
Total interest expense$1,870,0005,902
Net interest income$4,942,0003,603
Provision for loan and lease losses$50,0006,087
Total noninterest income$1,282,0002,607
Gross Fiduciary activities income$139,0001,107
Service charges on deposit accounts$850,0001,593
Trading account gains and fees$0475
Additional Noninterest Income$293,0004,145
Total noninterest expense$3,628,0003,732
Salaries and employee benefits$1,838,0003,546
Premises and equipment expense$461,0004,081
Additional noninterest expense$1,329,0003,704
Pre-tax net operating income$2,546,0002,777
Securities gains (losses)$-8,0009,681
Applicable income taxes$652,0003,275
Income before extraordinary items$1,886,0002,578
Extraordinary gains, net$0249
Net income$1,886,0002,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0004,525
Cash dividends$800,0002,270
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,891,9202,586
1993-12-31 (YTD Data)Rank
Total interest income$6,640,0004,528
Total interest expense$1,786,0006,365
Net interest income$4,854,0003,670
Provision for loan and lease losses$010,371
Total noninterest income$1,165,0002,969
Gross Fiduciary activities income$84,0001,245
Service charges on deposit accounts$735,0001,865
Trading account gains and fees$0532
Additional Noninterest Income$346,0004,135
Total noninterest expense$3,548,0003,863
Salaries and employee benefits$1,623,0003,974
Premises and equipment expense$407,0004,650
Additional noninterest expense$1,518,0003,471
Pre-tax net operating income$2,471,0002,732
Securities gains (losses)$07,477
Applicable income taxes$615,0003,522
Income before extraordinary items$1,856,0002,695
Extraordinary gains, net$03,149
Net income$1,856,0002,778
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0004,167
Cash dividends$800,0002,140
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,856,0002,541
1992-12-31 (YTD Data)Rank
Total interest income$6,581,0005,085
Total interest expense$2,197,0006,618
Net interest income$4,384,0004,104
Provision for loan and lease losses$011,756
Total noninterest income$1,428,0002,489
Gross Fiduciary activities income$82,0001,291
Service charges on deposit accounts$813,0001,674
Trading account gains and fees$0504
Additional Noninterest Income$533,0003,059
Total noninterest expense$3,395,0004,046
Salaries and employee benefits$1,515,0004,198
Premises and equipment expense$390,0004,889
Additional noninterest expense$1,490,0003,627
Pre-tax net operating income$2,417,0002,579
Securities gains (losses)$08,369
Applicable income taxes$706,0002,947
Income before extraordinary items$1,711,0002,688
Extraordinary gains, net$100,000745
Net income$1,811,0002,569
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-60,00013,568
Cash dividends$660,0002,231
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,711,0002,490

* 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.