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Norwest Bank Texas, Bandera, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,938,000	9,459
Total interest expense	$923,000	9,258
Net interest income	$1,015,000	9,517
Provision for loan and lease losses	$0	9,041
Total noninterest income	$229,000	7,855
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$178,000	5,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,849
Total noninterest expense	$845,000	9,265
Salaries and employee benefits	$317,000	10,208
Premises and equipment expense	$84,000	9,709
Additional noninterest expense	$444,000	7,516
Pre-tax net operating income	$399,000	8,509
Securities gains (losses)	$0	4,148
Applicable income taxes	$174,000	7,529
Income before extraordinary items	$225,000	9,053
Extraordinary gains, net	$0	53
Net income	$225,000	9,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$225,000	8,989
1995-12-31 (YTD Data)		Rank
Total interest income	$4,417,000	6,550
Total interest expense	$1,976,000	6,522
Net interest income	$2,441,000	6,410
Provision for loan and lease losses	$-50,000	11,576
Total noninterest income	$510,000	5,117
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$326,000	4,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$184,000	5,355
Total noninterest expense	$1,542,000	7,141
Salaries and employee benefits	$750,000	7,398
Premises and equipment expense	$123,000	8,962
Additional noninterest expense	$669,000	6,065
Pre-tax net operating income	$1,459,000	4,556
Securities gains (losses)	$102,000	955
Applicable income taxes	$493,000	4,238
Income before extraordinary items	$1,068,000	4,351
Extraordinary gains, net	$0	65
Net income	$1,068,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,181
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$998,640	4,607
1994-12-31 (YTD Data)		Rank
Total interest income	$3,031,000	7,981
Total interest expense	$1,332,000	7,452
Net interest income	$1,699,000	8,308
Provision for loan and lease losses	$-140,000	12,243
Total noninterest income	$412,000	6,033
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$283,000	4,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	6,698
Total noninterest expense	$1,398,000	7,922
Salaries and employee benefits	$689,000	7,967
Premises and equipment expense	$119,000	9,419
Additional noninterest expense	$590,000	7,114
Pre-tax net operating income	$853,000	6,618
Securities gains (losses)	$0	3,600
Applicable income taxes	$227,000	6,901
Income before extraordinary items	$626,000	6,358
Extraordinary gains, net	$0	249
Net income	$626,000	6,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	11,354
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$626,000	6,436
1993-12-31 (YTD Data)		Rank
Total interest income	$2,858,000	8,566
Total interest expense	$1,000,000	9,112
Net interest income	$1,858,000	8,081
Provision for loan and lease losses	$-95,000	12,883
Total noninterest income	$320,000	7,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$244,000	5,206
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	8,800
Total noninterest expense	$1,433,000	8,067
Salaries and employee benefits	$690,000	8,063
Premises and equipment expense	$119,000	9,813
Additional noninterest expense	$624,000	7,134
Pre-tax net operating income	$840,000	6,621
Securities gains (losses)	$249,000	1,459
Applicable income taxes	$328,000	5,755
Income before extraordinary items	$761,000	5,771
Extraordinary gains, net	$401,000	558
Net income	$1,162,000	4,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-98,000	12,925
Cash dividends	$856,000	2,019
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$586,700	6,639
1992-12-31 (YTD Data)		Rank
Total interest income	$3,084,000	8,830
Total interest expense	$1,235,000	9,471
Net interest income	$1,849,000	8,199
Provision for loan and lease losses	$-145,000	13,761
Total noninterest income	$287,000	7,903
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$231,000	5,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	10,037
Total noninterest expense	$1,607,000	7,561
Salaries and employee benefits	$670,000	8,220
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$823,000	5,931
Pre-tax net operating income	$674,000	7,242
Securities gains (losses)	$0	8,369
Applicable income taxes	$223,000	7,127
Income before extraordinary items	$451,000	7,726
Extraordinary gains, net	$11,000	1,325
Net income	$462,000	7,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-112,000	13,750
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$451,000	7,372

* 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.