Home > American Independent Bank > Income and Expense
American Independent Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,969,000 | 7,569 |
| Total interest expense | $614,000 | 9,437 |
| Net interest income | $2,355,000 | 6,058 |
| Provision for loan and lease losses | $113,000 | 4,873 |
| Total noninterest income | $673,000 | 4,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $551,000 | 2,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,168 |
| Total noninterest expense | $2,612,000 | 4,627 |
| Salaries and employee benefits | $1,037,000 | 5,632 |
| Premises and equipment expense | $471,000 | 3,864 |
| Additional noninterest expense | $1,104,000 | 3,611 |
| Pre-tax net operating income | $303,000 | 8,379 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $126,000 | 7,158 |
| Income before extraordinary items | $177,000 | 8,788 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $177,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,049 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 851 |
| Net operating income | $177,000 | 8,719 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,768,000 | 8,044 |
| Total interest expense | $480,000 | 10,144 |
| Net interest income | $2,288,000 | 6,382 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $648,000 | 4,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $554,000 | 2,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,947 |
| Total noninterest expense | $2,447,000 | 4,857 |
| Salaries and employee benefits | $1,065,000 | 5,615 |
| Premises and equipment expense | $419,000 | 4,285 |
| Additional noninterest expense | $963,000 | 4,042 |
| Pre-tax net operating income | $489,000 | 7,982 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $188,000 | 7,057 |
| Income before extraordinary items | $301,000 | 8,366 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $301,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,367 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 948 |
| Net operating income | $301,000 | 8,321 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,385,000 | 8,846 |
| Total interest expense | $440,000 | 10,775 |
| Net interest income | $1,945,000 | 7,262 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $703,000 | 4,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,403 |
| Total noninterest expense | $2,202,000 | 5,540 |
| Salaries and employee benefits | $987,000 | 6,050 |
| Premises and equipment expense | $372,000 | 4,814 |
| Additional noninterest expense | $843,000 | 4,993 |
| Pre-tax net operating income | $411,000 | 8,443 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $410,000 | 7,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $410,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,082 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 688 |
| Net operating income | $410,000 | 7,480 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 9,236 |
| Total interest expense | $405,000 | 11,310 |
| Net interest income | $1,907,000 | 7,516 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $742,000 | 3,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $661,000 | 2,052 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $2,209,000 | 5,534 |
| Salaries and employee benefits | $974,000 | 6,193 |
| Premises and equipment expense | $403,000 | 4,504 |
| Additional noninterest expense | $832,000 | 5,098 |
| Pre-tax net operating income | $250,000 | 10,114 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $250,000 | 9,407 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $250,000 | 9,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,647 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 577 |
| Net operating income | $250,000 | 9,392 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 9,407 |
| Total interest expense | $446,000 | 11,361 |
| Net interest income | $1,766,000 | 8,129 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $712,000 | 4,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $567,000 | 2,402 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,300 |
| Total noninterest expense | $2,221,000 | 5,693 |
| Salaries and employee benefits | $948,000 | 6,366 |
| Premises and equipment expense | $424,000 | 4,371 |
| Additional noninterest expense | $849,000 | 5,429 |
| Pre-tax net operating income | $67,000 | 11,821 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $66,000 | 11,686 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $66,000 | 11,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,953 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $66,000 | 11,730 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 9,479 |
| Total interest expense | $569,000 | 11,321 |
| Net interest income | $1,775,000 | 8,304 |
| Provision for loan and lease losses | $517,000 | 2,046 |
| Total noninterest income | $638,000 | 4,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $466,000 | 2,996 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 6,134 |
| Total noninterest expense | $2,556,000 | 5,173 |
| Salaries and employee benefits | $1,087,000 | 5,708 |
| Premises and equipment expense | $455,000 | 4,216 |
| Additional noninterest expense | $1,014,000 | 4,867 |
| Pre-tax net operating income | $-660,000 | 12,901 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-660,000 | 12,934 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-660,000 | 12,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 1,645 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-660,000 | 12,888 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,003,000 | 10,885 |
| Total interest expense | $572,000 | 12,427 |
| Net interest income | $1,431,000 | 9,512 |
| Provision for loan and lease losses | $22,000 | 10,490 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $1,721,000 | 7,210 |
| Salaries and employee benefits | $784,000 | 7,367 |
| Premises and equipment expense | $331,000 | 5,584 |
| Additional noninterest expense | $606,000 | 7,459 |
| Pre-tax net operating income | $113,000 | 11,886 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $35,000 | 11,656 |
| Income before extraordinary items | $78,000 | 12,251 |
| Extraordinary gains, net | $21,000 | 1,217 |
| Net income | $99,000 | 12,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 4,349 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $78,000 | 11,954 |
* 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.