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SecurityBank Texas, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,281,000 | 5,574 |
| Total interest expense | $1,506,000 | 7,331 |
| Net interest income | $3,775,000 | 4,445 |
| Provision for loan and lease losses | $51,000 | 6,594 |
| Total noninterest income | $633,000 | 4,269 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,226 |
| Total noninterest expense | $2,425,000 | 4,895 |
| Salaries and employee benefits | $1,403,000 | 4,493 |
| Premises and equipment expense | $337,000 | 5,047 |
| Additional noninterest expense | $685,000 | 5,304 |
| Pre-tax net operating income | $1,932,000 | 3,662 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $632,000 | 3,520 |
| Income before extraordinary items | $1,300,000 | 3,795 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,300,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,139 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,300,000 | 3,727 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,335,000 | 6,544 |
| Total interest expense | $1,146,000 | 8,540 |
| Net interest income | $3,189,000 | 5,205 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $490,000 | 5,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $328,000 | 3,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,740 |
| Total noninterest expense | $2,022,000 | 5,904 |
| Salaries and employee benefits | $1,091,000 | 5,618 |
| Premises and equipment expense | $285,000 | 5,776 |
| Additional noninterest expense | $646,000 | 6,058 |
| Pre-tax net operating income | $1,645,000 | 4,038 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $525,000 | 3,993 |
| Income before extraordinary items | $1,120,000 | 4,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,120,000 | 4,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,120,000 | 4,045 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,505,000 | 7,543 |
| Total interest expense | $915,000 | 9,565 |
| Net interest income | $2,590,000 | 6,146 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $493,000 | 5,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,713 |
| Total noninterest expense | $1,731,000 | 6,653 |
| Salaries and employee benefits | $921,000 | 6,455 |
| Premises and equipment expense | $219,000 | 6,844 |
| Additional noninterest expense | $591,000 | 6,588 |
| Pre-tax net operating income | $1,352,000 | 4,822 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $433,000 | 4,664 |
| Income before extraordinary items | $919,000 | 4,909 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $919,000 | 4,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $919,000 | 4,907 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 8,461 |
| Total interest expense | $633,000 | 10,439 |
| Net interest income | $2,116,000 | 7,282 |
| Provision for loan and lease losses | $-200,000 | 12,313 |
| Total noninterest income | $439,000 | 5,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,443 |
| Total noninterest expense | $1,427,000 | 7,830 |
| Salaries and employee benefits | $747,000 | 7,538 |
| Premises and equipment expense | $166,000 | 8,170 |
| Additional noninterest expense | $514,000 | 7,721 |
| Pre-tax net operating income | $1,328,000 | 4,862 |
| Securities gains (losses) | $-161,000 | 11,836 |
| Applicable income taxes | $364,000 | 5,112 |
| Income before extraordinary items | $803,000 | 5,352 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $803,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 11,321 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $914,090 | 4,905 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,226,000 | 9,724 |
| Total interest expense | $521,000 | 11,585 |
| Net interest income | $1,705,000 | 8,474 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $454,000 | 5,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,825 |
| Total noninterest expense | $1,362,000 | 8,294 |
| Salaries and employee benefits | $660,000 | 8,297 |
| Premises and equipment expense | $166,000 | 8,480 |
| Additional noninterest expense | $536,000 | 7,902 |
| Pre-tax net operating income | $797,000 | 6,827 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $125,000 | 9,194 |
| Income before extraordinary items | $693,000 | 6,160 |
| Extraordinary gains, net | $190,000 | 1,051 |
| Net income | $883,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 12,387 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $675,150 | 6,023 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $166,000 | 13,869 |
| Total interest expense | $45,000 | 13,859 |
| Net interest income | $121,000 | 13,837 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $41,000 | 13,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 11,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $105,000 | 13,892 |
| Salaries and employee benefits | $47,000 | 13,882 |
| Premises and equipment expense | $15,000 | 13,772 |
| Additional noninterest expense | $43,000 | 13,862 |
| Pre-tax net operating income | $57,000 | 12,373 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $9,000 | 12,400 |
| Income before extraordinary items | $48,000 | 12,579 |
| Extraordinary gains, net | $9,000 | 1,353 |
| Net income | $57,000 | 12,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 12,698 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $48,000 | 12,316 |
* 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.