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Tyler Bank and Trust, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$21,071,0001,566
Total interest expense$8,763,0001,768
Net interest income$12,308,0001,405
Provision for loan and lease losses$1,978,000598
Total noninterest income$4,278,0001,026
Gross Fiduciary activities income$911,000502
Service charges on deposit accounts$1,637,000779
Trading account gains and fees$0239
Additional Noninterest Income$1,730,0001,204
Total noninterest expense$11,129,0001,188
Salaries and employee benefits$5,129,0001,283
Premises and equipment expense$2,063,000968
Additional noninterest expense$3,937,0001,134
Pre-tax net operating income$3,479,0002,167
Securities gains (losses)$03,944
Applicable income taxes$927,0002,592
Income before extraordinary items$2,552,0002,072
Extraordinary gains, net$044
Net income$2,552,0002,071
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$731,000992
Cash dividends$1,500,0001,600
Sale, conversion, retirement of capital stock, net$1,739,000392
Net operating income$2,552,0002,017
1996-12-31 (YTD Data)Rank
Total interest income$16,944,0001,992
Total interest expense$7,625,0002,059
Net interest income$9,319,0001,919
Provision for loan and lease losses$390,0002,134
Total noninterest income$2,266,0001,657
Gross Fiduciary activities income$870,000550
Service charges on deposit accounts$1,057,0001,265
Trading account gains and fees$0262
Additional Noninterest Income$339,0003,781
Total noninterest expense$7,049,0001,991
Salaries and employee benefits$3,008,0002,215
Premises and equipment expense$1,221,0001,662
Additional noninterest expense$2,820,0001,838
Pre-tax net operating income$4,146,0001,737
Securities gains (losses)$04,148
Applicable income taxes$1,246,0001,933
Income before extraordinary items$2,900,0001,715
Extraordinary gains, net$053
Net income$2,900,0001,716
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0003,962
Cash dividends$2,750,0001,025
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,900,0001,681
1995-12-31 (YTD Data)Rank
Total interest income$15,694,0002,147
Total interest expense$7,632,0002,052
Net interest income$8,062,0002,237
Provision for loan and lease losses$210,0002,900
Total noninterest income$2,005,0001,827
Gross Fiduciary activities income$609,000682
Service charges on deposit accounts$1,083,0001,235
Trading account gains and fees$0522
Additional Noninterest Income$313,0003,905
Total noninterest expense$6,596,0002,093
Salaries and employee benefits$2,891,0002,297
Premises and equipment expense$1,091,0001,855
Additional noninterest expense$2,614,0001,917
Pre-tax net operating income$3,261,0002,267
Securities gains (losses)$03,831
Applicable income taxes$1,008,0002,363
Income before extraordinary items$2,253,0002,235
Extraordinary gains, net$065
Net income$2,253,0002,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$160,0002,884
Cash dividends$1,600,0001,426
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,253,0002,208
1994-12-31 (YTD Data)Rank
Total interest income$12,589,0002,405
Total interest expense$5,874,0002,128
Net interest income$6,715,0002,704
Provision for loan and lease losses$92,0004,738
Total noninterest income$1,781,0001,999
Gross Fiduciary activities income$533,000717
Service charges on deposit accounts$983,0001,365
Trading account gains and fees$0475
Additional Noninterest Income$265,0004,429
Total noninterest expense$6,501,0002,172
Salaries and employee benefits$2,838,0002,364
Premises and equipment expense$1,028,0001,978
Additional noninterest expense$2,635,0002,049
Pre-tax net operating income$1,903,0003,580
Securities gains (losses)$03,600
Applicable income taxes$622,0003,403
Income before extraordinary items$1,281,0003,643
Extraordinary gains, net$0249
Net income$1,281,0003,652
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$182,0002,648
Cash dividends$475,0003,352
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,281,0003,678
1993-12-31 (YTD Data)Rank
Total interest income$9,873,0003,126
Total interest expense$5,314,0002,432
Net interest income$4,559,0003,887
Provision for loan and lease losses$530,0002,014
Total noninterest income$2,359,0001,752
Gross Fiduciary activities income$1,055,000532
Service charges on deposit accounts$845,0001,623
Trading account gains and fees$0532
Additional Noninterest Income$459,0003,436
Total noninterest expense$6,499,0002,231
Salaries and employee benefits$3,062,0002,168
Premises and equipment expense$831,0002,458
Additional noninterest expense$2,606,0002,142
Pre-tax net operating income$-111,00012,603
Securities gains (losses)$07,477
Applicable income taxes$-45,00012,882
Income before extraordinary items$-66,00012,630
Extraordinary gains, net$03,149
Net income$-66,00012,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$438,0001,934
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$17,900,00084
Net operating income$-66,00012,527

* 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.