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Texas Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,876,000	8,167
Total interest expense	$977,000	9,093
Net interest income	$1,899,000	7,355
Provision for loan and lease losses	$0	9,041
Total noninterest income	$732,000	3,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$529,000	2,572
Trading account gains and fees	NA	NA
Additional Noninterest Income	$203,000	5,117
Total noninterest expense	$1,920,000	6,111
Salaries and employee benefits	$820,000	6,884
Premises and equipment expense	$268,000	5,987
Additional noninterest expense	$832,000	5,053
Pre-tax net operating income	$711,000	6,882
Securities gains (losses)	$0	4,148
Applicable income taxes	$205,000	7,063
Income before extraordinary items	$506,000	6,862
Extraordinary gains, net	$0	53
Net income	$506,000	6,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,597
Cash dividends	$207,000	5,346
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$506,000	6,802
1995-12-31 (YTD Data)		Rank
Total interest income	$2,910,000	8,346
Total interest expense	$933,000	9,491
Net interest income	$1,977,000	7,372
Provision for loan and lease losses	$150,000	3,621
Total noninterest income	$669,000	4,231
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$513,000	2,642
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	5,872
Total noninterest expense	$1,890,000	6,253
Salaries and employee benefits	$737,000	7,477
Premises and equipment expense	$283,000	5,881
Additional noninterest expense	$870,000	4,906
Pre-tax net operating income	$606,000	7,844
Securities gains (losses)	$0	3,831
Applicable income taxes	$196,000	7,489
Income before extraordinary items	$410,000	7,967
Extraordinary gains, net	$0	65
Net income	$410,000	7,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	3,162
Cash dividends	$98,000	6,903
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$410,000	7,932
1994-12-31 (YTD Data)		Rank
Total interest income	$2,359,000	9,153
Total interest expense	$587,000	10,660
Net interest income	$1,772,000	8,111
Provision for loan and lease losses	$0	9,146
Total noninterest income	$540,000	5,006
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$492,000	2,799
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	9,719
Total noninterest expense	$1,699,000	6,991
Salaries and employee benefits	$680,000	8,027
Premises and equipment expense	$278,000	6,034
Additional noninterest expense	$741,000	6,047
Pre-tax net operating income	$613,000	7,933
Securities gains (losses)	$0	3,600
Applicable income taxes	$190,000	7,515
Income before extraordinary items	$423,000	7,961
Extraordinary gains, net	$0	249
Net income	$423,000	7,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	11,449
Cash dividends	$170,000	5,823
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$423,000	8,007
1993-12-31 (YTD Data)		Rank
Total interest income	$2,120,000	9,947
Total interest expense	$432,000	12,060
Net interest income	$1,688,000	8,525
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$673,000	4,561
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$578,000	2,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	8,045
Total noninterest expense	$1,776,000	6,959
Salaries and employee benefits	$704,000	7,973
Premises and equipment expense	$262,000	6,466
Additional noninterest expense	$810,000	5,871
Pre-tax net operating income	$565,000	8,190
Securities gains (losses)	$95,000	2,571
Applicable income taxes	$206,000	7,517
Income before extraordinary items	$454,000	7,934
Extraordinary gains, net	$67,000	1,943
Net income	$521,000	7,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	7,730
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$388,450	8,291
1992-12-31 (YTD Data)		Rank
Total interest income	$2,185,000	10,510
Total interest expense	$620,000	12,203
Net interest income	$1,565,000	9,056
Provision for loan and lease losses	$102,000	7,202
Total noninterest income	$556,000	5,255
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$482,000	2,891
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	9,109
Total noninterest expense	$1,704,000	7,254
Salaries and employee benefits	$630,000	8,552
Premises and equipment expense	$264,000	6,542
Additional noninterest expense	$810,000	6,012
Pre-tax net operating income	$315,000	9,987
Securities gains (losses)	$45,000	4,303
Applicable income taxes	$90,000	10,159
Income before extraordinary items	$270,000	9,680
Extraordinary gains, net	$71,000	881
Net income	$341,000	8,950
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	4,547
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$236,250	9,728

* 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.