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Bank of the Southwest, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,483,000	6,420
Total interest expense	$1,915,000	6,595
Net interest income	$2,568,000	6,082
Provision for loan and lease losses	$101,000	5,052
Total noninterest income	$771,000	3,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$615,000	2,198
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	5,866
Total noninterest expense	$2,131,000	5,675
Salaries and employee benefits	$1,004,000	5,969
Premises and equipment expense	$401,000	4,527
Additional noninterest expense	$726,000	5,593
Pre-tax net operating income	$1,107,000	5,387
Securities gains (losses)	$0	4,148
Applicable income taxes	$383,000	5,029
Income before extraordinary items	$724,000	5,657
Extraordinary gains, net	$0	53
Net income	$724,000	5,657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,379
Cash dividends	$165,000	5,822
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$724,000	5,600
1995-12-31 (YTD Data)		Rank
Total interest income	$3,801,000	7,209
Total interest expense	$1,476,000	7,769
Net interest income	$2,325,000	6,631
Provision for loan and lease losses	$115,000	4,295
Total noninterest income	$747,000	3,885
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$564,000	2,396
Trading account gains and fees	NA	NA
Additional Noninterest Income	$183,000	5,373
Total noninterest expense	$1,940,000	6,124
Salaries and employee benefits	$953,000	6,285
Premises and equipment expense	$348,000	5,044
Additional noninterest expense	$639,000	6,263
Pre-tax net operating income	$1,017,000	5,922
Securities gains (losses)	$-56,000	11,232
Applicable income taxes	$328,000	5,688
Income before extraordinary items	$633,000	6,411
Extraordinary gains, net	$0	65
Net income	$633,000	6,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	3,162
Cash dividends	$173,000	5,820
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$669,960	6,154
1994-12-31 (YTD Data)		Rank
Total interest income	$3,165,000	7,803
Total interest expense	$961,000	8,861
Net interest income	$2,204,000	7,085
Provision for loan and lease losses	$0	9,146
Total noninterest income	$683,000	4,204
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$546,000	2,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$137,000	6,499
Total noninterest expense	$2,000,000	6,198
Salaries and employee benefits	$945,000	6,387
Premises and equipment expense	$276,000	6,064
Additional noninterest expense	$779,000	5,831
Pre-tax net operating income	$887,000	6,462
Securities gains (losses)	$0	3,600
Applicable income taxes	$325,000	5,574
Income before extraordinary items	$562,000	6,819
Extraordinary gains, net	$0	249
Net income	$562,000	6,833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$152,000	6,031
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$562,000	6,869
1993-12-31 (YTD Data)		Rank
Total interest income	$3,021,000	8,307
Total interest expense	$992,000	9,149
Net interest income	$2,029,000	7,586
Provision for loan and lease losses	$174,000	4,292
Total noninterest income	$798,000	4,000
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$519,000	2,684
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	4,672
Total noninterest expense	$2,019,000	6,281
Salaries and employee benefits	$925,000	6,576
Premises and equipment expense	$290,000	6,016
Additional noninterest expense	$804,000	5,907
Pre-tax net operating income	$634,000	7,725
Securities gains (losses)	$158,000	1,934
Applicable income taxes	$297,000	6,114
Income before extraordinary items	$495,000	7,603
Extraordinary gains, net	$82,000	1,762
Net income	$577,000	7,133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	4,326
Cash dividends	$176,000	5,750
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$393,880	8,224
1992-12-31 (YTD Data)		Rank
Total interest income	$3,116,000	8,771
Total interest expense	$1,311,000	9,189
Net interest income	$1,805,000	8,328
Provision for loan and lease losses	$93,000	7,482
Total noninterest income	$693,000	4,439
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$412,000	3,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$281,000	4,617
Total noninterest expense	$1,794,000	6,963
Salaries and employee benefits	$867,000	6,825
Premises and equipment expense	$313,000	5,788
Additional noninterest expense	$614,000	7,383
Pre-tax net operating income	$611,000	7,628
Securities gains (losses)	$-23,000	13,513
Applicable income taxes	$187,000	7,817
Income before extraordinary items	$401,000	8,216
Extraordinary gains, net	$0	1,422
Net income	$401,000	8,338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	5,774
Cash dividends	$217,000	4,828
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$416,640	7,702

* 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.