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Texas National Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$3,997,000	6,368
Total interest expense	$1,548,000	6,859
Net interest income	$2,449,000	5,879
Provision for loan and lease losses	$45,000	6,711
Total noninterest income	$647,000	4,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$562,000	2,375
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	7,013
Total noninterest expense	$2,462,000	4,940
Salaries and employee benefits	$952,000	6,084
Premises and equipment expense	$224,000	6,435
Additional noninterest expense	$1,286,000	3,241
Pre-tax net operating income	$589,000	6,751
Securities gains (losses)	$0	3,155
Applicable income taxes	$181,000	5,913
Income before extraordinary items	$408,000	6,943
Extraordinary gains, net	$0	35
Net income	$408,000	6,942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	2,974
Cash dividends	$3,550,000	842
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$408,000	6,917
1998-12-31 (YTD Data)		Rank
Total interest income	$375,000	10,285
Total interest expense	$143,000	10,254
Net interest income	$232,000	10,269
Provision for loan and lease losses	$0	8,652
Total noninterest income	$54,000	9,796
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	8,070
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,199
Total noninterest expense	$204,000	10,373
Salaries and employee benefits	$77,000	10,396
Premises and equipment expense	$20,000	10,310
Additional noninterest expense	$107,000	10,077
Pre-tax net operating income	$82,000	9,487
Securities gains (losses)	$0	4,449
Applicable income taxes	$25,000	8,790
Income before extraordinary items	$57,000	9,588
Extraordinary gains, net	$0	32
Net income	$57,000	9,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,595
Cash dividends	$116,000	6,119
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$57,000	9,526
1997-12-31 (YTD Data)		Rank
Total interest income	$4,271,000	6,412
Total interest expense	$1,576,000	7,161
Net interest income	$2,695,000	5,770
Provision for loan and lease losses	$40,000	7,002
Total noninterest income	$630,000	4,279
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$542,000	2,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	7,136
Total noninterest expense	$1,801,000	6,065
Salaries and employee benefits	$921,000	6,184
Premises and equipment expense	$211,000	6,647
Additional noninterest expense	$669,000	5,396
Pre-tax net operating income	$1,484,000	4,530
Securities gains (losses)	$20,000	1,883
Applicable income taxes	$383,000	5,011
Income before extraordinary items	$1,121,000	4,293
Extraordinary gains, net	$0	44
Net income	$1,121,000	4,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,811
Cash dividends	$296,000	4,652
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,106,000	4,271
1996-12-31 (YTD Data)		Rank
Total interest income	$3,974,000	6,892
Total interest expense	$1,498,000	7,577
Net interest income	$2,476,000	6,230
Provision for loan and lease losses	$0	9,041
Total noninterest income	$591,000	4,615
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$498,000	2,732
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	7,355
Total noninterest expense	$1,655,000	6,699
Salaries and employee benefits	$857,000	6,669
Premises and equipment expense	$179,000	7,451
Additional noninterest expense	$619,000	6,236
Pre-tax net operating income	$1,412,000	4,554
Securities gains (losses)	$-7,000	10,114
Applicable income taxes	$347,000	5,357
Income before extraordinary items	$1,058,000	4,277
Extraordinary gains, net	$0	53
Net income	$1,058,000	4,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,304
Cash dividends	$257,000	4,891
Sale, conversion, retirement of capital stock, net	$48,000	727
Net operating income	$1,063,250	4,209
1995-12-31 (YTD Data)		Rank
Total interest income	$3,697,000	7,308
Total interest expense	$1,441,000	7,851
Net interest income	$2,256,000	6,768
Provision for loan and lease losses	$0	8,958
Total noninterest income	$536,000	4,933
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$457,000	2,963
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,981
Total noninterest expense	$1,631,000	6,891
Salaries and employee benefits	$820,000	6,994
Premises and equipment expense	$171,000	7,793
Additional noninterest expense	$640,000	6,258
Pre-tax net operating income	$1,161,000	5,382
Securities gains (losses)	$0	3,831
Applicable income taxes	$287,000	6,172
Income before extraordinary items	$874,000	5,100
Extraordinary gains, net	$0	65
Net income	$874,000	5,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,295
Cash dividends	$201,000	5,438
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$874,000	5,090
1994-12-31 (YTD Data)		Rank
Total interest income	$3,160,000	7,814
Total interest expense	$1,048,000	8,489
Net interest income	$2,112,000	7,293
Provision for loan and lease losses	$0	9,146
Total noninterest income	$458,000	5,620
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$375,000	3,604
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	8,126
Total noninterest expense	$1,614,000	7,255
Salaries and employee benefits	$761,000	7,442
Premises and equipment expense	$154,000	8,443
Additional noninterest expense	$699,000	6,322
Pre-tax net operating income	$956,000	6,142
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$205,000	7,263
Income before extraordinary items	$750,000	5,613
Extraordinary gains, net	$0	249
Net income	$750,000	5,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$182,000	5,693
Sale, conversion, retirement of capital stock, net	$100,000	806
Net operating income	$750,790	5,683
1993-12-31 (YTD Data)		Rank
Total interest income	$2,974,000	8,379
Total interest expense	$1,042,000	8,911
Net interest income	$1,932,000	7,890
Provision for loan and lease losses	$0	10,371
Total noninterest income	$402,000	6,453
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$327,000	4,113
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	8,845
Total noninterest expense	$1,497,000	7,846
Salaries and employee benefits	$639,000	8,485
Premises and equipment expense	$141,000	9,145
Additional noninterest expense	$717,000	6,436
Pre-tax net operating income	$837,000	6,637
Securities gains (losses)	$115,000	2,304
Applicable income taxes	$230,000	7,102
Income before extraordinary items	$722,000	5,974
Extraordinary gains, net	$-17,000	12,417
Net income	$705,000	6,251
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	8,388
Cash dividends	$155,000	6,014
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$634,600	6,290
1992-12-31 (YTD Data)		Rank
Total interest income	$3,038,000	8,908
Total interest expense	$1,299,000	9,240
Net interest income	$1,739,000	8,534
Provision for loan and lease losses	$10,000	11,168
Total noninterest income	$362,000	6,943
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$287,000	4,607
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	9,058
Total noninterest expense	$1,245,000	8,865
Salaries and employee benefits	$533,000	9,445
Premises and equipment expense	$117,000	10,138
Additional noninterest expense	$595,000	7,557
Pre-tax net operating income	$846,000	6,355
Securities gains (losses)	$106,000	2,913
Applicable income taxes	$263,000	6,460
Income before extraordinary items	$689,000	5,992
Extraordinary gains, net	$0	1,422
Net income	$689,000	6,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	8,164
Cash dividends	$69,000	7,264
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$612,680	6,122

* 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.