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Austin Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,951,000 | 9,801 |
| Total interest expense | $954,000 | 9,410 |
| Net interest income | $997,000 | 9,952 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $166,000 | 9,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 7,837 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $884,000 | 9,415 |
| Salaries and employee benefits | $447,000 | 9,558 |
| Premises and equipment expense | $86,000 | 10,034 |
| Additional noninterest expense | $351,000 | 8,679 |
| Pre-tax net operating income | $257,000 | 10,063 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $103,000 | 9,125 |
| Income before extraordinary items | $155,000 | 10,416 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $155,000 | 10,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $163,000 | 5,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $154,360 | 10,398 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 10,253 |
| Total interest expense | $660,000 | 10,303 |
| Net interest income | $1,096,000 | 10,078 |
| Provision for loan and lease losses | $-30,000 | 11,902 |
| Total noninterest income | $97,000 | 10,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,986 |
| Total noninterest expense | $745,000 | 10,495 |
| Salaries and employee benefits | $350,000 | 10,739 |
| Premises and equipment expense | $66,000 | 11,093 |
| Additional noninterest expense | $329,000 | 9,608 |
| Pre-tax net operating income | $478,000 | 8,807 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $154,000 | 8,233 |
| Income before extraordinary items | $324,000 | 8,890 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $324,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $179,000 | 5,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $324,000 | 8,935 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,678,000 | 10,851 |
| Total interest expense | $656,000 | 10,844 |
| Net interest income | $1,022,000 | 10,708 |
| Provision for loan and lease losses | $-11,000 | 12,525 |
| Total noninterest income | $104,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 9,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 11,511 |
| Total noninterest expense | $701,000 | 11,162 |
| Salaries and employee benefits | $336,000 | 11,292 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $297,000 | 10,494 |
| Pre-tax net operating income | $436,000 | 9,127 |
| Securities gains (losses) | $562,000 | 829 |
| Applicable income taxes | $379,000 | 5,204 |
| Income before extraordinary items | $619,000 | 6,642 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $619,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $580,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $259,320 | 9,675 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,926,000 | 11,042 |
| Total interest expense | $825,000 | 11,212 |
| Net interest income | $1,101,000 | 10,694 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $88,000 | 12,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 9,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $682,000 | 11,606 |
| Salaries and employee benefits | $312,000 | 11,880 |
| Premises and equipment expense | $69,000 | 11,913 |
| Additional noninterest expense | $301,000 | 10,804 |
| Pre-tax net operating income | $489,000 | 8,484 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $144,000 | 8,775 |
| Income before extraordinary items | $350,000 | 8,724 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $350,000 | 8,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $115,000 | 6,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $346,450 | 8,392 |
* 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.