Home > The Bank of Austin > Income and Expense
The Bank of Austin, Income and Expense
| 2020-09-30 (YTD Data) | Rank | |
| Total interest income | $5,947,000 | 2,918 |
| Total interest expense | $792,000 | 2,946 |
| Net interest income | $5,155,000 | 2,846 |
| Provision for loan and lease losses | $609,000 | 1,802 |
| Total noninterest income | $198,000 | 4,135 |
| Gross Fiduciary activities income | $0 | 981 |
| Service charges on deposit accounts | $82,000 | 3,500 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 4,120 |
| Total noninterest expense | $4,101,000 | 2,836 |
| Salaries and employee benefits | $2,045,000 | 3,068 |
| Premises and equipment expense | $697,000 | 2,123 |
| Additional noninterest expense | $1,359,000 | 2,688 |
| Pre-tax net operating income | $643,000 | 3,855 |
| Securities gains (losses) | $-46,000 | 4,913 |
| Applicable income taxes | $0 | 3,696 |
| Income before extraordinary items | $597,000 | 3,868 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $597,000 | 3,867 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $597,000 | 3,868 |
| Net charge-offs | $0 | 3,243 |
| Cash dividends | $0 | 3,384 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 376 |
| Net operating income | $643,000 | 3,754 |
| 2020-06-30 (YTD Data) | Rank | |
| Total interest income | $3,832,000 | 3,005 |
| Total interest expense | $541,000 | 3,029 |
| Net interest income | $3,291,000 | 2,934 |
| Provision for loan and lease losses | $429,000 | 1,743 |
| Total noninterest income | $124,000 | 4,190 |
| Gross Fiduciary activities income | $0 | 970 |
| Service charges on deposit accounts | $56,000 | 3,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 4,215 |
| Total noninterest expense | $2,679,000 | 2,875 |
| Salaries and employee benefits | $1,326,000 | 3,128 |
| Premises and equipment expense | $469,000 | 2,112 |
| Additional noninterest expense | $884,000 | 2,723 |
| Pre-tax net operating income | $307,000 | 4,101 |
| Securities gains (losses) | $-46,000 | 4,914 |
| Applicable income taxes | $0 | 3,655 |
| Income before extraordinary items | $261,000 | 4,171 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $261,000 | 4,170 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $261,000 | 4,171 |
| Net charge-offs | $0 | 3,033 |
| Cash dividends | $0 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 350 |
| Net operating income | $307,000 | 4,022 |
| 2020-03-31 (YTD Data) | Rank | |
| Total interest income | $1,857,000 | 3,056 |
| Total interest expense | $328,000 | 2,880 |
| Net interest income | $1,529,000 | 3,027 |
| Provision for loan and lease losses | $104,000 | 1,929 |
| Total noninterest income | $61,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 941 |
| Service charges on deposit accounts | $30,000 | 3,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 4,208 |
| Total noninterest expense | $1,405,000 | 2,820 |
| Salaries and employee benefits | $725,000 | 3,001 |
| Premises and equipment expense | $235,000 | 2,127 |
| Additional noninterest expense | $445,000 | 2,737 |
| Pre-tax net operating income | $81,000 | 4,377 |
| Securities gains (losses) | $0 | 1,705 |
| Applicable income taxes | $0 | 3,513 |
| Income before extraordinary items | $81,000 | 4,332 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $81,000 | 4,332 |
| Minority interest net income | $0 | 56 |
| Net income of bank and minority interests. | $81,000 | 4,332 |
| Net charge-offs | $0 | 2,581 |
| Cash dividends | $0 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 342 |
| Net operating income | $81,000 | 4,324 |
| 2019-12-31 (YTD Data) | Rank | |
| Total interest income | $6,533,000 | 3,292 |
| Total interest expense | $1,112,000 | 3,156 |
| Net interest income | $5,421,000 | 3,277 |
| Provision for loan and lease losses | $465,000 | 1,553 |
| Total noninterest income | $215,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,051 |
| Service charges on deposit accounts | $133,000 | 3,637 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 4,513 |
| Total noninterest expense | $4,812,000 | 3,093 |
| Salaries and employee benefits | $2,313,000 | 3,369 |
| Premises and equipment expense | $924,000 | 2,145 |
| Additional noninterest expense | $1,575,000 | 2,987 |
| Pre-tax net operating income | $359,000 | 4,584 |
| Securities gains (losses) | $0 | 2,379 |
| Applicable income taxes | $0 | 3,859 |
| Income before extraordinary items | $359,000 | 4,562 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $359,000 | 4,564 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $359,000 | 4,564 |
| Net charge-offs | $0 | 3,726 |
| Cash dividends | $0 | 3,944 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 437 |
| Net operating income | $359,000 | 4,543 |
| 2019-09-30 (YTD Data) | Rank | |
| Total interest income | $4,763,000 | 3,373 |
| Total interest expense | $822,000 | 3,199 |
| Net interest income | $3,941,000 | 3,371 |
| Provision for loan and lease losses | $341,000 | 1,500 |
| Total noninterest income | $153,000 | 4,499 |
| Gross Fiduciary activities income | $0 | 1,014 |
| Service charges on deposit accounts | $97,000 | 3,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 4,615 |
| Total noninterest expense | $3,680,000 | 3,066 |
| Salaries and employee benefits | $1,849,000 | 3,272 |
| Premises and equipment expense | $688,000 | 2,167 |
| Additional noninterest expense | $1,143,000 | 3,069 |
| Pre-tax net operating income | $73,000 | 4,992 |
| Securities gains (losses) | $21,000 | 1,403 |
| Applicable income taxes | $0 | 3,902 |
| Income before extraordinary items | $94,000 | 4,968 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $94,000 | 4,967 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $94,000 | 4,968 |
| Net charge-offs | $0 | 3,455 |
| Cash dividends | $0 | 3,588 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 399 |
| Net operating income | $73,000 | 4,982 |
| 2019-06-30 (YTD Data) | Rank | |
| Total interest income | $3,030,000 | 3,474 |
| Total interest expense | $526,000 | 3,241 |
| Net interest income | $2,504,000 | 3,473 |
| Provision for loan and lease losses | $234,000 | 1,439 |
| Total noninterest income | $93,000 | 4,595 |
| Gross Fiduciary activities income | $0 | 1,004 |
| Service charges on deposit accounts | $61,000 | 3,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 4,711 |
| Total noninterest expense | $2,432,000 | 3,100 |
| Salaries and employee benefits | $1,221,000 | 3,310 |
| Premises and equipment expense | $451,000 | 2,197 |
| Additional noninterest expense | $760,000 | 3,113 |
| Pre-tax net operating income | $-69,000 | 5,152 |
| Securities gains (losses) | $0 | 1,702 |
| Applicable income taxes | $0 | 3,901 |
| Income before extraordinary items | $-69,000 | 5,155 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $-69,000 | 5,153 |
| Minority interest net income | $0 | 69 |
| Net income of bank and minority interests. | $-69,000 | 5,153 |
| Net charge-offs | $0 | 3,172 |
| Cash dividends | $0 | 3,456 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 386 |
| Net operating income | $-69,000 | 5,148 |
| 2019-03-31 (YTD Data) | Rank | |
| Total interest income | $1,419,000 | 3,617 |
| Total interest expense | $238,000 | 3,360 |
| Net interest income | $1,181,000 | 3,604 |
| Provision for loan and lease losses | $74,000 | 1,772 |
| Total noninterest income | $39,000 | 4,713 |
| Gross Fiduciary activities income | $0 | 972 |
| Service charges on deposit accounts | $28,000 | 3,911 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 4,879 |
| Total noninterest expense | $1,251,000 | 3,066 |
| Salaries and employee benefits | $644,000 | 3,260 |
| Premises and equipment expense | $225,000 | 2,233 |
| Additional noninterest expense | $382,000 | 3,112 |
| Pre-tax net operating income | $-105,000 | 5,248 |
| Securities gains (losses) | $0 | 1,087 |
| Applicable income taxes | $0 | 3,800 |
| Income before extraordinary items | $-105,000 | 5,243 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-105,000 | 5,242 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $-105,000 | 5,242 |
| Net charge-offs | $0 | 2,740 |
| Cash dividends | $0 | 2,803 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 350 |
| Net operating income | $-105,000 | 5,242 |
| 2018-12-31 (YTD Data) | Rank | |
| Total interest income | $3,846,000 | 4,189 |
| Total interest expense | $485,000 | 3,954 |
| Net interest income | $3,361,000 | 4,154 |
| Provision for loan and lease losses | $286,000 | 2,031 |
| Total noninterest income | $120,000 | 4,938 |
| Gross Fiduciary activities income | $0 | 1,098 |
| Service charges on deposit accounts | $84,000 | 4,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 5,012 |
| Total noninterest expense | $4,403,000 | 3,300 |
| Salaries and employee benefits | $2,231,000 | 3,487 |
| Premises and equipment expense | $797,000 | 2,365 |
| Additional noninterest expense | $1,375,000 | 3,338 |
| Pre-tax net operating income | $-1,208,000 | 5,358 |
| Securities gains (losses) | $0 | 1,125 |
| Applicable income taxes | $0 | 3,978 |
| Income before extraordinary items | $-1,208,000 | 5,353 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $-1,208,000 | 5,352 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $-1,208,000 | 5,352 |
| Net charge-offs | $0 | 3,782 |
| Cash dividends | $0 | 4,033 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 442 |
| Net operating income | $-1,208,000 | 5,353 |
| 2018-09-30 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 4,399 |
| Total interest expense | $278,000 | 4,262 |
| Net interest income | $2,235,000 | 4,363 |
| Provision for loan and lease losses | $232,000 | 1,822 |
| Total noninterest income | $84,000 | 5,030 |
| Gross Fiduciary activities income | $0 | 1,048 |
| Service charges on deposit accounts | $59,000 | 4,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 5,098 |
| Total noninterest expense | $3,235,000 | 3,336 |
| Salaries and employee benefits | $1,659,000 | 3,510 |
| Premises and equipment expense | $587,000 | 2,417 |
| Additional noninterest expense | $989,000 | 3,423 |
| Pre-tax net operating income | $-1,148,000 | 5,443 |
| Securities gains (losses) | $0 | 1,118 |
| Applicable income taxes | $0 | 4,032 |
| Income before extraordinary items | $-1,148,000 | 5,438 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-1,148,000 | 5,437 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-1,148,000 | 5,437 |
| Net charge-offs | $0 | 3,489 |
| Cash dividends | $0 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 419 |
| Net operating income | $-1,148,000 | 5,438 |
| 2018-06-30 (YTD Data) | Rank | |
| Total interest income | $1,485,000 | 4,568 |
| Total interest expense | $151,000 | 4,458 |
| Net interest income | $1,334,000 | 4,536 |
| Provision for loan and lease losses | $171,000 | 1,683 |
| Total noninterest income | $49,000 | 5,148 |
| Gross Fiduciary activities income | $0 | 1,037 |
| Service charges on deposit accounts | $34,000 | 4,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 5,188 |
| Total noninterest expense | $2,151,000 | 3,368 |
| Salaries and employee benefits | $1,093,000 | 3,551 |
| Premises and equipment expense | $375,000 | 2,493 |
| Additional noninterest expense | $683,000 | 3,370 |
| Pre-tax net operating income | $-939,000 | 5,510 |
| Securities gains (losses) | $0 | 961 |
| Applicable income taxes | $0 | 4,018 |
| Income before extraordinary items | $-939,000 | 5,501 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $-939,000 | 5,500 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $-939,000 | 5,500 |
| Net charge-offs | $0 | 3,209 |
| Cash dividends | $0 | 3,485 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 401 |
| Net operating income | $-939,000 | 5,501 |
| 2018-03-31 (YTD Data) | Rank | |
| Total interest income | $639,000 | 4,768 |
| Total interest expense | $55,000 | 4,792 |
| Net interest income | $584,000 | 4,726 |
| Provision for loan and lease losses | $44,000 | 2,227 |
| Total noninterest income | $20,000 | 5,285 |
| Gross Fiduciary activities income | $0 | 1,003 |
| Service charges on deposit accounts | $14,000 | 4,792 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 5,273 |
| Total noninterest expense | $1,070,000 | 3,410 |
| Salaries and employee benefits | $528,000 | 3,651 |
| Premises and equipment expense | $190,000 | 2,521 |
| Additional noninterest expense | $352,000 | 3,334 |
| Pre-tax net operating income | $-510,000 | 5,576 |
| Securities gains (losses) | $0 | 735 |
| Applicable income taxes | $0 | 3,948 |
| Income before extraordinary items | $-510,000 | 5,561 |
| Extraordinary gains, net | $0 | 7 |
| Net income | $-510,000 | 5,561 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $-510,000 | 5,561 |
| Net charge-offs | $0 | 2,722 |
| Cash dividends | $0 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 370 |
| Net operating income | $-510,000 | 5,564 |
| 2017-12-31 (YTD Data) | Rank | |
| Total interest income | $777,000 | 5,548 |
| Total interest expense | $60,000 | 5,488 |
| Net interest income | $717,000 | 5,541 |
| Provision for loan and lease losses | $463,000 | 1,520 |
| Total noninterest income | $23,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,137 |
| Service charges on deposit accounts | $20,000 | 5,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 5,520 |
| Total noninterest expense | $7,121,000 | 2,485 |
| Salaries and employee benefits | $5,065,000 | 2,068 |
| Premises and equipment expense | $201,000 | 4,712 |
| Additional noninterest expense | $1,855,000 | 2,795 |
| Pre-tax net operating income | $-6,844,000 | 5,667 |
| Securities gains (losses) | $0 | 2,243 |
| Applicable income taxes | $0 | 4,135 |
| Income before extraordinary items | $-6,844,000 | 5,655 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-6,844,000 | 5,655 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-6,844,000 | 5,655 |
| Net charge-offs | $0 | 4,128 |
| Cash dividends | $0 | 4,147 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 529 |
| Net operating income | $-6,844,000 | 5,655 |
| 2017-09-30 (YTD Data) | Rank | |
| Total interest income | $267,000 | 5,703 |
| Total interest expense | $19,000 | 5,681 |
| Net interest income | $248,000 | 5,703 |
| Provision for loan and lease losses | $279,000 | 1,692 |
| Total noninterest income | $7,000 | 5,660 |
| Gross Fiduciary activities income | $0 | 1,093 |
| Service charges on deposit accounts | $7,000 | 5,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 5,632 |
| Total noninterest expense | $6,934,000 | 2,040 |
| Salaries and employee benefits | $5,432,000 | 1,537 |
| Premises and equipment expense | $107,000 | 5,085 |
| Additional noninterest expense | $1,395,000 | 2,788 |
| Pre-tax net operating income | $-6,958,000 | 5,740 |
| Securities gains (losses) | $0 | 2,274 |
| Applicable income taxes | $0 | 4,172 |
| Income before extraordinary items | $-6,958,000 | 5,731 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-6,958,000 | 5,731 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-6,958,000 | 5,731 |
| Net charge-offs | $0 | 3,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 551 |
| Net operating income | $-6,958,000 | 5,731 |
* 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.