Home > Central Texas Bank > Income and Expense

Central Texas Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,157,0008,497
Total interest expense$777,0008,996
Net interest income$1,380,0007,950
Provision for loan and lease losses$7,0008,378
Total noninterest income$406,0005,562
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$357,0003,453
Trading account gains and feesNANA
Additional Noninterest Income$49,0008,189
Total noninterest expense$1,567,0006,506
Salaries and employee benefits$761,0006,858
Premises and equipment expense$228,0006,289
Additional noninterest expense$578,0005,897
Pre-tax net operating income$212,0008,856
Securities gains (losses)$1,0004,151
Applicable income taxes$09,340
Income before extraordinary items$213,0008,528
Extraordinary gains, net$032
Net income$213,0008,527
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0009,586
Cash dividends$1,400,0001,743
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$212,0008,453
1997-12-31 (YTD Data)Rank
Total interest income$1,864,0009,187
Total interest expense$661,0009,650
Net interest income$1,203,0008,670
Provision for loan and lease losses$-120,00010,788
Total noninterest income$214,0007,665
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$176,0005,726
Trading account gains and feesNANA
Additional Noninterest Income$38,0008,946
Total noninterest expense$1,219,0007,606
Salaries and employee benefits$631,0007,715
Premises and equipment expense$237,0006,253
Additional noninterest expense$351,0007,797
Pre-tax net operating income$318,0008,895
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$318,0008,241
Extraordinary gains, net$044
Net income$318,0008,243
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-123,00010,747
Cash dividends$17,0007,656
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$318,0008,197
1996-12-31 (YTD Data)Rank
Total interest income$1,566,00010,019
Total interest expense$580,00010,339
Net interest income$986,0009,589
Provision for loan and lease losses$-50,00011,188
Total noninterest income$192,0008,339
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$160,0006,291
Trading account gains and feesNANA
Additional Noninterest Income$32,0009,747
Total noninterest expense$1,023,0008,590
Salaries and employee benefits$550,0008,488
Premises and equipment expense$169,0007,642
Additional noninterest expense$304,0008,838
Pre-tax net operating income$205,0009,759
Securities gains (losses)$-1,0009,274
Applicable income taxes$3,00010,490
Income before extraordinary items$201,0009,288
Extraordinary gains, net$053
Net income$201,0009,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-106,00011,231
Cash dividends$117,0006,450
Sale, conversion, retirement of capital stock, net$0953
Net operating income$201,9909,222
1995-12-31 (YTD Data)Rank
Total interest income$1,506,00010,514
Total interest expense$541,00010,882
Net interest income$965,00010,034
Provision for loan and lease losses$-175,00011,799
Total noninterest income$192,0008,551
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$154,0006,588
Trading account gains and feesNANA
Additional Noninterest Income$38,0009,820
Total noninterest expense$961,0009,113
Salaries and employee benefits$496,0009,148
Premises and equipment expense$173,0007,747
Additional noninterest expense$292,0009,322
Pre-tax net operating income$371,0009,251
Securities gains (losses)$-17,00010,458
Applicable income taxes$011,151
Income before extraordinary items$354,0008,444
Extraordinary gains, net$39,00038
Net income$393,0008,135
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-142,00011,802
Cash dividends$70,0007,384
Sale, conversion, retirement of capital stock, net$0809
Net operating income$371,0008,292
1994-12-31 (YTD Data)Rank
Total interest income$1,289,00011,160
Total interest expense$446,00011,361
Net interest income$843,00010,907
Provision for loan and lease losses$-175,00012,292
Total noninterest income$231,0008,234
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$146,0006,989
Trading account gains and feesNANA
Additional Noninterest Income$85,0008,027
Total noninterest expense$923,0009,668
Salaries and employee benefits$428,00010,020
Premises and equipment expense$124,0009,273
Additional noninterest expense$371,0009,117
Pre-tax net operating income$326,0009,939
Securities gains (losses)$6,0002,522
Applicable income taxes$011,630
Income before extraordinary items$332,0008,805
Extraordinary gains, net$0249
Net income$332,0008,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-173,00012,384
Cash dividends$87,0007,197
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$326,0008,914
1993-12-31 (YTD Data)Rank
Total interest income$1,328,00011,624
Total interest expense$476,00011,800
Net interest income$852,00011,335
Provision for loan and lease losses$-750,00013,205
Total noninterest income$201,0009,206
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$162,0006,787
Trading account gains and feesNANA
Additional Noninterest Income$39,00010,733
Total noninterest expense$1,064,0009,467
Salaries and employee benefits$386,00010,785
Premises and equipment expense$129,0009,507
Additional noninterest expense$549,0007,779
Pre-tax net operating income$739,0007,157
Securities gains (losses)$10,0005,473
Applicable income taxes$012,141
Income before extraordinary items$749,0005,830
Extraordinary gains, net$03,149
Net income$749,0005,981
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-628,00013,243
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$739,0005,624
1992-12-31 (YTD Data)Rank
Total interest income$1,728,00011,468
Total interest expense$744,00011,608
Net interest income$984,00011,155
Provision for loan and lease losses$011,756
Total noninterest income$237,0008,727
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0006,955
Trading account gains and feesNANA
Additional Noninterest Income$81,0008,805
Total noninterest expense$1,255,0008,822
Salaries and employee benefits$451,00010,298
Premises and equipment expense$111,00010,343
Additional noninterest expense$693,0006,797
Pre-tax net operating income$-34,00012,831
Securities gains (losses)$14,0006,053
Applicable income taxes$012,680
Income before extraordinary items$-20,00012,944
Extraordinary gains, net$01,422
Net income$-20,00012,935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0004,520
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-34,00012,784

* 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.