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Texas Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$2,455,0008,747
Total interest expense$666,00010,075
Net interest income$1,789,0007,582
Provision for loan and lease losses$09,041
Total noninterest income$429,0005,711
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$340,0003,849
Trading account gains and fees$0262
Additional Noninterest Income$89,0007,466
Total noninterest expense$2,595,0004,851
Salaries and employee benefits$788,0007,038
Premises and equipment expense$861,0002,294
Additional noninterest expense$946,0004,604
Pre-tax net operating income$-377,00011,184
Securities gains (losses)$04,148
Applicable income taxes$-133,00011,213
Income before extraordinary items$-244,00011,141
Extraordinary gains, net$053
Net income$-244,00011,139
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$229,0002,470
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-244,00011,107
1995-12-31 (YTD Data)Rank
Total interest income$12,268,0002,725
Total interest expense$3,110,0004,600
Net interest income$9,158,0001,959
Provision for loan and lease losses$378,0001,942
Total noninterest income$2,516,0001,537
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,826,000733
Trading account gains and fees$0522
Additional Noninterest Income$690,0002,312
Total noninterest expense$6,918,0001,997
Salaries and employee benefits$3,314,0001,999
Premises and equipment expense$1,173,0001,723
Additional noninterest expense$2,431,0002,046
Pre-tax net operating income$4,378,0001,679
Securities gains (losses)$-68,00011,329
Applicable income taxes$1,485,0001,656
Income before extraordinary items$2,825,0001,789
Extraordinary gains, net$065
Net income$2,825,0001,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$373,0001,680
Cash dividends$710,0002,623
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,869,8801,739
1994-12-31 (YTD Data)Rank
Total interest income$9,702,0003,120
Total interest expense$2,092,0005,412
Net interest income$7,610,0002,372
Provision for loan and lease losses$239,0002,727
Total noninterest income$2,338,0001,638
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,536,000844
Trading account gains and fees$0475
Additional Noninterest Income$802,0002,129
Total noninterest expense$5,981,0002,353
Salaries and employee benefits$2,893,0002,318
Premises and equipment expense$1,061,0001,923
Additional noninterest expense$2,027,0002,543
Pre-tax net operating income$3,728,0001,907
Securities gains (losses)$6,0002,522
Applicable income taxes$1,281,0001,780
Income before extraordinary items$2,453,0001,996
Extraordinary gains, net$0249
Net income$2,453,0001,995
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$251,0002,143
Cash dividends$25,0008,461
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,449,0402,006
1993-12-31 (YTD Data)Rank
Total interest income$9,054,0003,396
Total interest expense$1,790,0006,360
Net interest income$7,264,0002,467
Provision for loan and lease losses$260,0003,299
Total noninterest income$2,479,0001,686
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,462,000903
Trading account gains and fees$0532
Additional Noninterest Income$1,017,0002,016
Total noninterest expense$6,046,0002,373
Salaries and employee benefits$2,646,0002,510
Premises and equipment expense$1,047,0001,970
Additional noninterest expense$2,353,0002,370
Pre-tax net operating income$3,437,0001,983
Securities gains (losses)$413,0001,022
Applicable income taxes$1,299,0001,803
Income before extraordinary items$2,551,0001,961
Extraordinary gains, net$-249,00013,083
Net income$2,302,0002,258
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0004,368
Cash dividends$2,140,000956
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,278,4202,062
1992-12-31 (YTD Data)Rank
Total interest income$9,883,0003,525
Total interest expense$2,246,0006,516
Net interest income$7,637,0002,360
Provision for loan and lease losses$449,0003,230
Total noninterest income$2,292,0001,767
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,486,000881
Trading account gains and fees$0504
Additional Noninterest Income$806,0002,301
Total noninterest expense$4,848,0002,953
Salaries and employee benefits$2,491,0002,609
Premises and equipment expense$794,0002,622
Additional noninterest expense$1,563,0003,472
Pre-tax net operating income$4,632,0001,377
Securities gains (losses)$72,0003,538
Applicable income taxes$1,704,0001,303
Income before extraordinary items$3,000,0001,544
Extraordinary gains, net$01,422
Net income$3,000,0001,555
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$286,0003,430
Cash dividends$1,788,000947
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,953,9201,448

* 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.