Home > American Bank of Texas, N. A. - Fredericksburg > Income and Expense
American Bank of Texas, N. A. - Fredericksburg, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $564,000 | 8,910 |
| Total interest expense | $188,000 | 8,774 |
| Net interest income | $376,000 | 8,928 |
| Provision for loan and lease losses | $3,000 | 7,580 |
| Total noninterest income | $84,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $74,000 | 7,015 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,000 | 8,762 |
| Total noninterest expense | $720,000 | 8,410 |
| Salaries and employee benefits | $264,000 | 8,860 |
| Premises and equipment expense | $60,000 | 8,623 |
| Additional noninterest expense | $396,000 | 7,185 |
| Pre-tax net operating income | $-263,000 | 8,727 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-97,000 | 8,940 |
| Income before extraordinary items | $-166,000 | 8,764 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-166,000 | 8,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-166,000 | 8,691 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 6,764 |
| Total interest expense | $661,000 | 6,617 |
| Net interest income | $1,484,000 | 6,662 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $253,000 | 6,381 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $192,000 | 4,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 6,919 |
| Total noninterest expense | $2,402,000 | 4,395 |
| Salaries and employee benefits | $1,370,000 | 4,211 |
| Premises and equipment expense | $183,000 | 6,241 |
| Additional noninterest expense | $849,000 | 3,898 |
| Pre-tax net operating income | $-674,000 | 9,012 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-674,000 | 9,072 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-674,000 | 9,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $43,000 | 5,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-674,000 | 9,021 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 6,723 |
| Total interest expense | $449,000 | 6,683 |
| Net interest income | $1,023,000 | 6,577 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $165,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $129,000 | 4,672 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $36,000 | 7,110 |
| Total noninterest expense | $967,000 | 6,088 |
| Salaries and employee benefits | $460,000 | 6,533 |
| Premises and equipment expense | $118,000 | 6,318 |
| Additional noninterest expense | $389,000 | 5,107 |
| Pre-tax net operating income | $215,000 | 7,088 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $215,000 | 6,842 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $215,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $43,000 | 4,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $215,000 | 6,639 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $736,000 | 6,752 |
| Total interest expense | $224,000 | 6,772 |
| Net interest income | $512,000 | 6,576 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $78,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $63,000 | 4,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 7,351 |
| Total noninterest expense | $492,000 | 6,050 |
| Salaries and employee benefits | $234,000 | 6,500 |
| Premises and equipment expense | $58,000 | 6,382 |
| Additional noninterest expense | $200,000 | 4,959 |
| Pre-tax net operating income | $95,000 | 7,269 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $95,000 | 6,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $95,000 | 6,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $43,000 | 3,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $95,000 | 6,838 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 6,341 |
| Total interest expense | $1,191,000 | 6,455 |
| Net interest income | $2,308,000 | 6,168 |
| Provision for loan and lease losses | $12,000 | 7,731 |
| Total noninterest income | $306,000 | 6,416 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $238,000 | 4,816 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $1,958,000 | 5,943 |
| Salaries and employee benefits | $926,000 | 6,422 |
| Premises and equipment expense | $216,000 | 6,579 |
| Additional noninterest expense | $816,000 | 4,857 |
| Pre-tax net operating income | $644,000 | 6,276 |
| Securities gains (losses) | $84,000 | 1,908 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $728,000 | 5,453 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $728,000 | 5,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $604,000 | 3,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $644,000 | 5,642 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 6,235 |
| Total interest expense | $1,871,000 | 6,308 |
| Net interest income | $2,283,000 | 6,016 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $325,000 | 6,202 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $267,000 | 4,467 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $58,000 | 7,449 |
| Total noninterest expense | $1,811,000 | 6,109 |
| Salaries and employee benefits | $858,000 | 6,547 |
| Premises and equipment expense | $213,000 | 6,602 |
| Additional noninterest expense | $740,000 | 5,064 |
| Pre-tax net operating income | $785,000 | 5,536 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $801,000 | 4,868 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $801,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $315,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $785,000 | 4,800 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,201,000 | 6,330 |
| Total interest expense | $2,032,000 | 6,221 |
| Net interest income | $2,169,000 | 6,319 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $308,000 | 6,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 4,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,442 |
| Total noninterest expense | $1,756,000 | 6,145 |
| Salaries and employee benefits | $799,000 | 6,732 |
| Premises and equipment expense | $196,000 | 6,833 |
| Additional noninterest expense | $761,000 | 4,895 |
| Pre-tax net operating income | $709,000 | 6,188 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $118,000 | 6,305 |
| Income before extraordinary items | $579,000 | 5,951 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $579,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $131,000 | 5,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $588,960 | 5,915 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,713,000 | 6,598 |
| Total interest expense | $1,764,000 | 6,433 |
| Net interest income | $1,949,000 | 6,737 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $276,000 | 6,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 4,837 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 7,918 |
| Total noninterest expense | $1,532,000 | 6,696 |
| Salaries and employee benefits | $756,000 | 6,964 |
| Premises and equipment expense | $198,000 | 6,846 |
| Additional noninterest expense | $578,000 | 5,961 |
| Pre-tax net operating income | $681,000 | 6,385 |
| Securities gains (losses) | $-33,000 | 9,682 |
| Applicable income taxes | $125,000 | 6,576 |
| Income before extraordinary items | $523,000 | 6,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $523,000 | 6,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $185,000 | 5,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $549,730 | 6,148 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 7,048 |
| Total interest expense | $1,460,000 | 7,288 |
| Net interest income | $1,951,000 | 6,758 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $220,000 | 7,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,487 |
| Total noninterest expense | $1,463,000 | 6,792 |
| Salaries and employee benefits | $721,000 | 7,071 |
| Premises and equipment expense | $181,000 | 7,033 |
| Additional noninterest expense | $561,000 | 6,014 |
| Pre-tax net operating income | $696,000 | 6,498 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $153,000 | 6,799 |
| Income before extraordinary items | $560,000 | 6,268 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $560,000 | 6,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $546,570 | 6,237 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,247,000 | 7,452 |
| Total interest expense | $1,404,000 | 7,574 |
| Net interest income | $1,843,000 | 7,230 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $227,000 | 7,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 5,740 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,342 |
| Total noninterest expense | $1,353,000 | 7,173 |
| Salaries and employee benefits | $640,000 | 7,663 |
| Premises and equipment expense | $174,000 | 7,310 |
| Additional noninterest expense | $539,000 | 6,199 |
| Pre-tax net operating income | $705,000 | 6,956 |
| Securities gains (losses) | $21,000 | 1,847 |
| Applicable income taxes | $188,000 | 7,057 |
| Income before extraordinary items | $538,000 | 6,751 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $538,000 | 6,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $93,000 | 6,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $522,460 | 6,791 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,009,000 | 7,979 |
| Total interest expense | $1,322,000 | 8,043 |
| Net interest income | $1,687,000 | 7,819 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $196,000 | 8,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,143,000 | 8,187 |
| Salaries and employee benefits | $557,000 | 8,425 |
| Premises and equipment expense | $95,000 | 9,426 |
| Additional noninterest expense | $491,000 | 7,132 |
| Pre-tax net operating income | $728,000 | 6,801 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $195,000 | 7,216 |
| Income before extraordinary items | $530,000 | 6,697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $530,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $76,000 | 7,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $532,190 | 6,625 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 8,608 |
| Total interest expense | $1,189,000 | 8,620 |
| Net interest income | $1,527,000 | 8,458 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $171,000 | 8,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,224 |
| Total noninterest expense | $1,053,000 | 8,746 |
| Salaries and employee benefits | $514,000 | 8,989 |
| Premises and equipment expense | $97,000 | 9,693 |
| Additional noninterest expense | $442,000 | 7,772 |
| Pre-tax net operating income | $617,000 | 7,792 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $164,000 | 8,034 |
| Income before extraordinary items | $437,000 | 7,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $437,000 | 7,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $117,000 | 6,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $448,680 | 7,621 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,252,000 | 9,338 |
| Total interest expense | $886,000 | 9,196 |
| Net interest income | $1,366,000 | 9,258 |
| Provision for loan and lease losses | $48,000 | 6,241 |
| Total noninterest income | $160,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $1,007,000 | 9,314 |
| Salaries and employee benefits | $454,000 | 9,795 |
| Premises and equipment expense | $87,000 | 10,436 |
| Additional noninterest expense | $466,000 | 8,188 |
| Pre-tax net operating income | $471,000 | 8,852 |
| Securities gains (losses) | $-19,000 | 10,292 |
| Applicable income taxes | $146,000 | 8,391 |
| Income before extraordinary items | $306,000 | 9,082 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $306,000 | 9,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,828 |
| Cash dividends | $54,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $318,920 | 9,014 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,013,000 | 10,143 |
| Total interest expense | $829,000 | 9,887 |
| Net interest income | $1,184,000 | 10,114 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $159,000 | 10,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $967,000 | 9,893 |
| Salaries and employee benefits | $435,000 | 10,290 |
| Premises and equipment expense | $92,000 | 10,712 |
| Additional noninterest expense | $440,000 | 8,822 |
| Pre-tax net operating income | $371,000 | 9,650 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $133,000 | 9,018 |
| Income before extraordinary items | $359,000 | 8,843 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $359,000 | 9,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $44,000 | 8,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $270,670 | 9,554 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,127,000 | 10,644 |
| Total interest expense | $964,000 | 10,562 |
| Net interest income | $1,163,000 | 10,458 |
| Provision for loan and lease losses | $48,000 | 9,164 |
| Total noninterest income | $181,000 | 9,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $928,000 | 10,312 |
| Salaries and employee benefits | $403,000 | 10,825 |
| Premises and equipment expense | $81,000 | 11,458 |
| Additional noninterest expense | $444,000 | 9,041 |
| Pre-tax net operating income | $368,000 | 9,518 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $67,000 | 10,800 |
| Income before extraordinary items | $320,000 | 9,041 |
| Extraordinary gains, net | $200,000 | 429 |
| Net income | $520,000 | 7,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 8,210 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $304,230 | 8,888 |
* 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.