Home > The Texas National Bank of Waco > Income and Expense
The Texas National Bank of Waco, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,062,000 | 2,239 |
| Total interest expense | $6,414,000 | 2,411 |
| Net interest income | $8,648,000 | 2,074 |
| Provision for loan and lease losses | $1,213,000 | 885 |
| Total noninterest income | $2,473,000 | 1,564 |
| Gross Fiduciary activities income | $873,000 | 548 |
| Service charges on deposit accounts | $712,000 | 1,908 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $888,000 | 1,966 |
| Total noninterest expense | $7,316,000 | 1,927 |
| Salaries and employee benefits | $3,533,000 | 1,872 |
| Premises and equipment expense | $794,000 | 2,470 |
| Additional noninterest expense | $2,989,000 | 1,742 |
| Pre-tax net operating income | $2,592,000 | 2,694 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $820,000 | 2,783 |
| Income before extraordinary items | $1,785,000 | 2,722 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,785,000 | 2,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $576,000 | 1,275 |
| Cash dividends | $660,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,776,030 | 2,687 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,372,000 | 2,344 |
| Total interest expense | $6,297,000 | 2,440 |
| Net interest income | $8,075,000 | 2,232 |
| Provision for loan and lease losses | $195,000 | 3,070 |
| Total noninterest income | $2,839,000 | 1,406 |
| Gross Fiduciary activities income | $850,000 | 571 |
| Service charges on deposit accounts | $680,000 | 1,984 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,309,000 | 1,499 |
| Total noninterest expense | $7,447,000 | 1,878 |
| Salaries and employee benefits | $3,487,000 | 1,899 |
| Premises and equipment expense | $795,000 | 2,492 |
| Additional noninterest expense | $3,165,000 | 1,627 |
| Pre-tax net operating income | $3,272,000 | 2,258 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $1,057,000 | 2,258 |
| Income before extraordinary items | $2,225,000 | 2,263 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,225,000 | 2,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,382 |
| Cash dividends | $1,600,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,218,200 | 2,244 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,728,000 | 2,588 |
| Total interest expense | $4,305,000 | 2,846 |
| Net interest income | $7,423,000 | 2,436 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $2,715,000 | 1,465 |
| Gross Fiduciary activities income | $932,000 | 542 |
| Service charges on deposit accounts | $704,000 | 1,910 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,079,000 | 1,755 |
| Total noninterest expense | $7,209,000 | 1,984 |
| Salaries and employee benefits | $3,320,000 | 2,000 |
| Premises and equipment expense | $784,000 | 2,572 |
| Additional noninterest expense | $3,105,000 | 1,751 |
| Pre-tax net operating income | $2,869,000 | 2,474 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $795,000 | 2,775 |
| Income before extraordinary items | $2,068,000 | 2,352 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,068,000 | 2,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,004 |
| Cash dividends | $569,000 | 2,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,072,320 | 2,368 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,586,000 | 2,675 |
| Total interest expense | $4,295,000 | 2,970 |
| Net interest income | $7,291,000 | 2,450 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $3,091,000 | 1,425 |
| Gross Fiduciary activities income | $812,000 | 600 |
| Service charges on deposit accounts | $627,000 | 2,184 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,652,000 | 1,440 |
| Total noninterest expense | $6,960,000 | 2,103 |
| Salaries and employee benefits | $3,327,000 | 2,005 |
| Premises and equipment expense | $770,000 | 2,650 |
| Additional noninterest expense | $2,863,000 | 1,987 |
| Pre-tax net operating income | $3,422,000 | 1,992 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,021,000 | 2,199 |
| Income before extraordinary items | $2,401,000 | 2,080 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,401,000 | 2,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 2,515 |
| Cash dividends | $554,000 | 2,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,401,000 | 1,953 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,749,000 | 2,988 |
| Total interest expense | $4,959,000 | 3,333 |
| Net interest income | $6,790,000 | 2,682 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $2,208,000 | 1,819 |
| Gross Fiduciary activities income | $721,000 | 648 |
| Service charges on deposit accounts | $540,000 | 2,553 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $947,000 | 2,078 |
| Total noninterest expense | $6,437,000 | 2,271 |
| Salaries and employee benefits | $2,867,000 | 2,270 |
| Premises and equipment expense | $654,000 | 3,107 |
| Additional noninterest expense | $2,916,000 | 2,038 |
| Pre-tax net operating income | $2,386,000 | 2,610 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $676,000 | 3,084 |
| Income before extraordinary items | $1,715,000 | 2,677 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,715,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 4,605 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,711,400 | 2,489 |
* 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.