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The Harlingen National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$17,451,0001,857
Total interest expense$5,371,0002,802
Net interest income$12,080,0001,395
Provision for loan and lease losses$345,0002,334
Total noninterest income$1,901,0001,906
Gross Fiduciary activities income$1,0001,376
Service charges on deposit accounts$1,329,000934
Trading account gains and fees$0224
Additional Noninterest Income$571,0002,733
Total noninterest expense$12,198,0001,082
Salaries and employee benefits$7,265,000906
Premises and equipment expense$1,707,0001,129
Additional noninterest expense$3,226,0001,362
Pre-tax net operating income$1,438,0004,316
Securities gains (losses)$121,0001,167
Applicable income taxes$393,0004,467
Income before extraordinary items$1,166,0004,029
Extraordinary gains, net$032
Net income$1,166,0004,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$300,0001,859
Cash dividends$8,250,000443
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,075,2504,160
1997-12-31 (YTD Data)Rank
Total interest income$14,849,0002,202
Total interest expense$4,598,0003,225
Net interest income$10,251,0001,706
Provision for loan and lease losses$523,0001,716
Total noninterest income$1,741,0001,966
Gross Fiduciary activities income$42,0001,197
Service charges on deposit accounts$1,096,0001,151
Trading account gains and fees$0239
Additional Noninterest Income$603,0002,462
Total noninterest expense$10,144,0001,303
Salaries and employee benefits$5,790,0001,129
Premises and equipment expense$1,548,0001,270
Additional noninterest expense$2,806,0001,529
Pre-tax net operating income$1,325,0004,902
Securities gains (losses)$60,0001,233
Applicable income taxes$346,0005,349
Income before extraordinary items$1,039,0004,565
Extraordinary gains, net$044
Net income$1,039,0004,564
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$349,0001,772
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$994,0004,665
1996-12-31 (YTD Data)Rank
Total interest income$15,095,0002,233
Total interest expense$4,462,0003,343
Net interest income$10,633,0001,662
Provision for loan and lease losses$549,0001,628
Total noninterest income$1,836,0001,977
Gross Fiduciary activities income$159,0001,027
Service charges on deposit accounts$1,170,0001,127
Trading account gains and fees$0262
Additional Noninterest Income$507,0002,886
Total noninterest expense$11,206,0001,281
Salaries and employee benefits$6,269,0001,070
Premises and equipment expense$1,863,0001,123
Additional noninterest expense$3,074,0001,696
Pre-tax net operating income$714,0006,868
Securities gains (losses)$152,000792
Applicable income taxes$112,0008,533
Income before extraordinary items$754,0005,508
Extraordinary gains, net$053
Net income$754,0005,509
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$619,0001,223
Cash dividends$125,0006,318
Sale, conversion, retirement of capital stock, net$0953
Net operating income$621,7606,089
1995-12-31 (YTD Data)Rank
Total interest income$16,033,0002,096
Total interest expense$4,351,0003,427
Net interest income$11,682,0001,543
Provision for loan and lease losses$484,0001,614
Total noninterest income$2,243,0001,673
Gross Fiduciary activities income$172,0001,039
Service charges on deposit accounts$1,200,0001,108
Trading account gains and fees$0522
Additional Noninterest Income$871,0001,983
Total noninterest expense$11,916,0001,231
Salaries and employee benefits$6,422,0001,074
Premises and equipment expense$1,632,0001,272
Additional noninterest expense$3,862,0001,372
Pre-tax net operating income$1,525,0004,397
Securities gains (losses)$1,0003,512
Applicable income taxes$352,0005,417
Income before extraordinary items$1,174,0004,033
Extraordinary gains, net$065
Net income$1,174,0004,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$523,0001,343
Cash dividends$125,0006,392
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,173,2304,014
1994-12-31 (YTD Data)Rank
Total interest income$16,029,0001,925
Total interest expense$4,413,0002,777
Net interest income$11,616,0001,550
Provision for loan and lease losses$09,146
Total noninterest income$2,308,0001,653
Gross Fiduciary activities income$265,000944
Service charges on deposit accounts$924,0001,468
Trading account gains and fees$0475
Additional Noninterest Income$1,119,0001,708
Total noninterest expense$12,593,0001,183
Salaries and employee benefits$7,329,000931
Premises and equipment expense$1,504,0001,382
Additional noninterest expense$3,760,0001,493
Pre-tax net operating income$1,331,0004,854
Securities gains (losses)$03,600
Applicable income taxes$250,0006,534
Income before extraordinary items$1,081,0004,239
Extraordinary gains, net$0249
Net income$1,081,0004,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0003,652
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,081,0004,287
1993-12-31 (YTD Data)Rank
Total interest income$18,040,0001,735
Total interest expense$5,006,0002,565
Net interest income$13,034,0001,389
Provision for loan and lease losses$-165,00013,004
Total noninterest income$3,152,0001,404
Gross Fiduciary activities income$362,000874
Service charges on deposit accounts$911,0001,490
Trading account gains and fees$0532
Additional Noninterest Income$1,879,0001,314
Total noninterest expense$12,603,0001,223
Salaries and employee benefits$6,850,000993
Premises and equipment expense$1,211,0001,732
Additional noninterest expense$4,542,0001,374
Pre-tax net operating income$3,748,0001,834
Securities gains (losses)$10,0005,473
Applicable income taxes$1,095,0002,077
Income before extraordinary items$2,663,0001,868
Extraordinary gains, net$140,0001,297
Net income$2,803,0001,854
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$185,0003,273
Cash dividends$3,196,000681
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,655,9001,766
1992-12-31 (YTD Data)Rank
Total interest income$17,197,0002,059
Total interest expense$5,664,0002,944
Net interest income$11,533,0001,607
Provision for loan and lease losses$177,0005,621
Total noninterest income$3,243,0001,338
Gross Fiduciary activities income$155,0001,145
Service charges on deposit accounts$956,0001,401
Trading account gains and fees$0504
Additional Noninterest Income$2,132,0001,186
Total noninterest expense$10,713,0001,444
Salaries and employee benefits$5,668,0001,180
Premises and equipment expense$539,0003,721
Additional noninterest expense$4,506,0001,464
Pre-tax net operating income$3,886,0001,598
Securities gains (losses)$12,0006,245
Applicable income taxes$1,249,0001,681
Income before extraordinary items$2,649,0001,725
Extraordinary gains, net$01,422
Net income$2,649,0001,744
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$471,0002,557
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,640,8401,599

* 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.