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Austin Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$12,288,0002,653
Total interest expense$5,817,0002,603
Net interest income$6,471,0002,648
Provision for loan and lease losses$731,0001,265
Total noninterest income$1,868,0001,934
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,451,000851
Trading account gains and fees$0224
Additional Noninterest Income$417,0003,342
Total noninterest expense$6,702,0001,955
Salaries and employee benefits$3,574,0001,868
Premises and equipment expense$892,0002,173
Additional noninterest expense$2,236,0001,889
Pre-tax net operating income$906,0005,712
Securities gains (losses)$04,449
Applicable income taxes$335,0004,884
Income before extraordinary items$571,0006,204
Extraordinary gains, net$032
Net income$571,0006,203
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$527,0001,209
Cash dividends$272,0004,811
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$571,0006,093
1997-12-31 (YTD Data)Rank
Total interest income$10,589,0003,059
Total interest expense$5,165,0002,892
Net interest income$5,424,0003,220
Provision for loan and lease losses$562,0001,626
Total noninterest income$1,467,0002,236
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,047,0001,208
Trading account gains and fees$0239
Additional Noninterest Income$420,0003,190
Total noninterest expense$6,324,0002,045
Salaries and employee benefits$3,447,0001,904
Premises and equipment expense$853,0002,300
Additional noninterest expense$2,024,0002,064
Pre-tax net operating income$5,00010,350
Securities gains (losses)$90,0001,032
Applicable income taxes$41,0009,392
Income before extraordinary items$54,00010,215
Extraordinary gains, net$044
Net income$54,00010,217
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$186,0002,655
Cash dividends$40,0007,339
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-3,60010,372
1996-12-31 (YTD Data)Rank
Total interest income$7,191,0004,461
Total interest expense$3,395,0004,308
Net interest income$3,796,0004,515
Provision for loan and lease losses$200,0003,395
Total noninterest income$730,0003,976
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$580,0002,340
Trading account gains and fees$0262
Additional Noninterest Income$150,0005,966
Total noninterest expense$4,203,0003,194
Salaries and employee benefits$2,235,0002,982
Premises and equipment expense$512,0003,707
Additional noninterest expense$1,456,0003,200
Pre-tax net operating income$123,00010,249
Securities gains (losses)$61,0001,215
Applicable income taxes$70,0009,328
Income before extraordinary items$114,00010,101
Extraordinary gains, net$053
Net income$114,00010,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$85,0004,261
Cash dividends$148,0006,096
Sale, conversion, retirement of capital stock, net$0953
Net operating income$74,96010,382
1995-12-31 (YTD Data)Rank
Total interest income$4,958,0006,029
Total interest expense$2,140,0006,189
Net interest income$2,818,0005,782
Provision for loan and lease losses$08,958
Total noninterest income$541,0004,905
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$356,0003,716
Trading account gains and feesNANA
Additional Noninterest Income$185,0005,343
Total noninterest expense$2,566,0004,889
Salaries and employee benefits$1,412,0004,534
Premises and equipment expense$226,0006,736
Additional noninterest expense$928,0004,641
Pre-tax net operating income$793,0006,862
Securities gains (losses)$270,000557
Applicable income taxes$379,0005,136
Income before extraordinary items$684,0006,093
Extraordinary gains, net$065
Net income$684,0006,091
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,475
Cash dividends$471,0003,497
Sale, conversion, retirement of capital stock, net$0809
Net operating income$511,2007,139
1994-12-31 (YTD Data)Rank
Total interest income$4,430,0006,217
Total interest expense$1,389,0007,240
Net interest income$3,041,0005,563
Provision for loan and lease losses$-140,00012,243
Total noninterest income$609,0004,604
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$390,0003,450
Trading account gains and feesNANA
Additional Noninterest Income$219,0004,985
Total noninterest expense$2,345,0005,459
Salaries and employee benefits$1,201,0005,236
Premises and equipment expense$254,0006,450
Additional noninterest expense$890,0005,225
Pre-tax net operating income$1,445,0004,552
Securities gains (losses)$03,600
Applicable income taxes$506,0004,017
Income before extraordinary items$939,0004,737
Extraordinary gains, net$0249
Net income$939,0004,741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-77,00012,120
Cash dividends$1,225,0001,616
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$939,0004,787
1993-12-31 (YTD Data)Rank
Total interest income$4,422,0006,394
Total interest expense$1,489,0007,242
Net interest income$2,933,0005,757
Provision for loan and lease losses$-250,00013,077
Total noninterest income$638,0004,752
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$433,0003,210
Trading account gains and feesNANA
Additional Noninterest Income$205,0005,584
Total noninterest expense$2,312,0005,639
Salaries and employee benefits$1,119,0005,558
Premises and equipment expense$299,0005,874
Additional noninterest expense$894,0005,394
Pre-tax net operating income$1,509,0004,301
Securities gains (losses)$659,000746
Applicable income taxes$768,0002,846
Income before extraordinary items$1,400,0003,453
Extraordinary gains, net$03,149
Net income$1,400,0003,564
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00011,177
Cash dividends$887,0001,975
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$971,6504,551
1992-12-31 (YTD Data)Rank
Total interest income$5,222,0006,166
Total interest expense$2,022,0007,063
Net interest income$3,200,0005,401
Provision for loan and lease losses$535,0002,858
Total noninterest income$1,008,0003,297
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$473,0002,949
Trading account gains and feesNANA
Additional Noninterest Income$535,0003,048
Total noninterest expense$2,477,0005,353
Salaries and employee benefits$1,116,0005,518
Premises and equipment expense$294,0006,065
Additional noninterest expense$1,067,0004,790
Pre-tax net operating income$1,196,0004,926
Securities gains (losses)$43,0004,369
Applicable income taxes$424,0004,586
Income before extraordinary items$815,0005,284
Extraordinary gains, net$01,422
Net income$815,0005,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$566,0002,265
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$786,6205,118

* 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.