Home > The Bank of the Southwest > Income and Expense
The Bank of the Southwest, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,471,000 | 4,795 |
| Total interest expense | $2,660,000 | 5,167 |
| Net interest income | $3,811,000 | 4,413 |
| Provision for loan and lease losses | $911,000 | 1,064 |
| Total noninterest income | $817,000 | 3,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $481,000 | 2,901 |
| Total noninterest expense | $5,050,000 | 2,538 |
| Salaries and employee benefits | $1,544,000 | 4,156 |
| Premises and equipment expense | $503,000 | 3,680 |
| Additional noninterest expense | $3,003,000 | 1,441 |
| Pre-tax net operating income | $-1,333,000 | 10,871 |
| Securities gains (losses) | $-26,000 | 10,459 |
| Applicable income taxes | $-629,000 | 10,870 |
| Income before extraordinary items | $-730,000 | 10,815 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-730,000 | 10,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-713,360 | 10,802 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 5,296 |
| Total interest expense | $2,252,000 | 5,936 |
| Net interest income | $3,569,000 | 4,746 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $882,000 | 3,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 3,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $442,000 | 3,182 |
| Total noninterest expense | $2,803,000 | 4,553 |
| Salaries and employee benefits | $1,544,000 | 4,203 |
| Premises and equipment expense | $478,000 | 3,912 |
| Additional noninterest expense | $781,000 | 5,297 |
| Pre-tax net operating income | $1,588,000 | 4,144 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $476,000 | 4,307 |
| Income before extraordinary items | $1,110,000 | 4,126 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,110,000 | 4,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $99,000 | 6,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,111,400 | 4,070 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,612,000 | 6,337 |
| Total interest expense | $1,724,000 | 7,080 |
| Net interest income | $2,888,000 | 5,667 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $570,000 | 4,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,316 |
| Total noninterest expense | $2,198,000 | 5,569 |
| Salaries and employee benefits | $1,160,000 | 5,369 |
| Premises and equipment expense | $345,000 | 5,075 |
| Additional noninterest expense | $693,000 | 5,905 |
| Pre-tax net operating income | $1,224,000 | 5,180 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $370,000 | 5,215 |
| Income before extraordinary items | $854,000 | 5,201 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $854,000 | 5,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $99,000 | 6,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $854,000 | 5,188 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,505,000 | 7,316 |
| Total interest expense | $1,113,000 | 8,242 |
| Net interest income | $2,392,000 | 6,678 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $400,000 | 6,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,455 |
| Total noninterest expense | $1,832,000 | 6,613 |
| Salaries and employee benefits | $958,000 | 6,311 |
| Premises and equipment expense | $302,000 | 5,687 |
| Additional noninterest expense | $572,000 | 7,239 |
| Pre-tax net operating income | $924,000 | 6,279 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $260,000 | 6,395 |
| Income before extraordinary items | $653,000 | 6,202 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $653,000 | 6,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $99,000 | 6,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $660,920 | 6,213 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,729,000 | 8,777 |
| Total interest expense | $856,000 | 9,761 |
| Net interest income | $1,873,000 | 8,034 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $299,000 | 7,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $1,456,000 | 7,981 |
| Salaries and employee benefits | $780,000 | 7,443 |
| Premises and equipment expense | $118,000 | 9,857 |
| Additional noninterest expense | $558,000 | 7,704 |
| Pre-tax net operating income | $686,000 | 7,437 |
| Securities gains (losses) | $-7,000 | 12,665 |
| Applicable income taxes | $182,000 | 7,971 |
| Income before extraordinary items | $497,000 | 7,586 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $497,000 | 7,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $502,110 | 7,281 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,378,000 | 10,136 |
| Total interest expense | $967,000 | 10,549 |
| Net interest income | $1,411,000 | 9,586 |
| Provision for loan and lease losses | $13,000 | 10,972 |
| Total noninterest income | $233,000 | 8,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 8,026 |
| Total noninterest expense | $1,214,000 | 8,982 |
| Salaries and employee benefits | $620,000 | 8,641 |
| Premises and equipment expense | $199,000 | 7,855 |
| Additional noninterest expense | $395,000 | 9,613 |
| Pre-tax net operating income | $417,000 | 9,089 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $332,000 | 8,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $332,000 | 9,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $76,000 | 7,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $310,540 | 8,799 |
* 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.