Home > First National Bank of South Texas > Income and Expense
First National Bank of South Texas, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $976,000 | 9,637 |
| Total interest expense | $299,000 | 9,799 |
| Net interest income | $677,000 | 9,334 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $139,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 6,188 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $410,000 | 9,858 |
| Salaries and employee benefits | $265,000 | 9,652 |
| Premises and equipment expense | $50,000 | 9,632 |
| Additional noninterest expense | $95,000 | 9,954 |
| Pre-tax net operating income | $406,000 | 7,572 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $122,000 | 6,621 |
| Income before extraordinary items | $280,000 | 7,716 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $280,000 | 7,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,871 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $282,800 | 7,686 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,865,000 | 1,816 |
| Total interest expense | $7,402,000 | 2,057 |
| Net interest income | $10,463,000 | 1,631 |
| Provision for loan and lease losses | $816,000 | 1,161 |
| Total noninterest income | $3,522,000 | 1,185 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $3,190,000 | 411 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $332,000 | 3,801 |
| Total noninterest expense | $10,213,000 | 1,301 |
| Salaries and employee benefits | $4,966,000 | 1,328 |
| Premises and equipment expense | $1,489,000 | 1,303 |
| Additional noninterest expense | $3,758,000 | 1,190 |
| Pre-tax net operating income | $2,956,000 | 2,415 |
| Securities gains (losses) | $68,000 | 1,523 |
| Applicable income taxes | $1,005,000 | 2,305 |
| Income before extraordinary items | $2,019,000 | 2,528 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,019,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 1,728 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,973,440 | 2,511 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,519,000 | 2,109 |
| Total interest expense | $6,409,000 | 2,346 |
| Net interest income | $9,110,000 | 1,911 |
| Provision for loan and lease losses | $96,000 | 5,266 |
| Total noninterest income | $2,103,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,795,000 | 711 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $308,000 | 3,860 |
| Total noninterest expense | $8,706,000 | 1,511 |
| Salaries and employee benefits | $4,112,000 | 1,586 |
| Premises and equipment expense | $1,474,000 | 1,331 |
| Additional noninterest expense | $3,120,000 | 1,395 |
| Pre-tax net operating income | $2,411,000 | 3,004 |
| Securities gains (losses) | $93,000 | 1,015 |
| Applicable income taxes | $841,000 | 2,819 |
| Income before extraordinary items | $1,663,000 | 3,058 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,663,000 | 3,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $960,000 | 824 |
| Cash dividends | $1,720,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,601,620 | 3,100 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,930,000 | 2,398 |
| Total interest expense | $5,779,000 | 2,633 |
| Net interest income | $8,151,000 | 2,204 |
| Provision for loan and lease losses | $1,044,000 | 989 |
| Total noninterest income | $1,934,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,687,000 | 785 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $247,000 | 4,569 |
| Total noninterest expense | $9,448,000 | 1,512 |
| Salaries and employee benefits | $3,537,000 | 1,871 |
| Premises and equipment expense | $1,344,000 | 1,508 |
| Additional noninterest expense | $4,567,000 | 1,225 |
| Pre-tax net operating income | $-407,000 | 11,202 |
| Securities gains (losses) | $39,000 | 1,512 |
| Applicable income taxes | $-150,000 | 11,231 |
| Income before extraordinary items | $-218,000 | 11,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-218,000 | 11,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $439,000 | 1,576 |
| Cash dividends | $495,000 | 3,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-242,960 | 11,103 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,567,000 | 2,031 |
| Total interest expense | $6,933,000 | 2,254 |
| Net interest income | $9,634,000 | 1,850 |
| Provision for loan and lease losses | $342,000 | 2,087 |
| Total noninterest income | $6,170,000 | 827 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,654,000 | 794 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,516,000 | 700 |
| Total noninterest expense | $8,865,000 | 1,605 |
| Salaries and employee benefits | $4,048,000 | 1,636 |
| Premises and equipment expense | $1,176,000 | 1,719 |
| Additional noninterest expense | $3,641,000 | 1,440 |
| Pre-tax net operating income | $6,597,000 | 1,168 |
| Securities gains (losses) | $-96,000 | 11,470 |
| Applicable income taxes | $2,184,000 | 1,186 |
| Income before extraordinary items | $4,317,000 | 1,229 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,317,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,559 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,380,360 | 1,187 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,064,000 | 2,332 |
| Total interest expense | $4,650,000 | 2,635 |
| Net interest income | $8,414,000 | 2,148 |
| Provision for loan and lease losses | $319,000 | 2,161 |
| Total noninterest income | $1,783,000 | 1,997 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,454,000 | 901 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $329,000 | 3,859 |
| Total noninterest expense | $7,266,000 | 1,970 |
| Salaries and employee benefits | $3,541,000 | 1,886 |
| Premises and equipment expense | $952,000 | 2,124 |
| Additional noninterest expense | $2,773,000 | 1,954 |
| Pre-tax net operating income | $2,612,000 | 2,708 |
| Securities gains (losses) | $-168,000 | 11,860 |
| Applicable income taxes | $651,000 | 3,279 |
| Income before extraordinary items | $1,793,000 | 2,703 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,793,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,409 |
| Cash dividends | $469,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,915,640 | 2,551 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,564,000 | 2,938 |
| Total interest expense | $3,511,000 | 3,575 |
| Net interest income | $7,053,000 | 2,543 |
| Provision for loan and lease losses | $125,000 | 5,103 |
| Total noninterest income | $1,268,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $988,000 | 1,363 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $280,000 | 4,660 |
| Total noninterest expense | $6,680,000 | 2,183 |
| Salaries and employee benefits | $3,069,000 | 2,165 |
| Premises and equipment expense | $724,000 | 2,792 |
| Additional noninterest expense | $2,887,000 | 1,968 |
| Pre-tax net operating income | $1,516,000 | 4,284 |
| Securities gains (losses) | $373,000 | 1,111 |
| Applicable income taxes | $480,000 | 4,328 |
| Income before extraordinary items | $1,409,000 | 3,425 |
| Extraordinary gains, net | $286,000 | 753 |
| Net income | $1,695,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,633 |
| Cash dividends | $501,000 | 3,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,129,250 | 4,016 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,409,000 | 3,081 |
| Total interest expense | $4,360,000 | 3,763 |
| Net interest income | $7,049,000 | 2,570 |
| Provision for loan and lease losses | $22,000 | 10,490 |
| Total noninterest income | $1,038,000 | 3,220 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $819,000 | 1,667 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $219,000 | 5,372 |
| Total noninterest expense | $5,932,000 | 2,447 |
| Salaries and employee benefits | $2,765,000 | 2,342 |
| Premises and equipment expense | $722,000 | 2,848 |
| Additional noninterest expense | $2,445,000 | 2,366 |
| Pre-tax net operating income | $2,133,000 | 2,921 |
| Securities gains (losses) | $187,000 | 2,104 |
| Applicable income taxes | $614,000 | 3,370 |
| Income before extraordinary items | $1,706,000 | 2,698 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,706,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,029,000 | 1,531 |
| Cash dividends | $413,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,567,620 | 2,715 |
* 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.