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United Southwest Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$950,000	10,884
Total interest expense	$452,000	10,739
Net interest income	$498,000	10,900
Provision for loan and lease losses	$0	9,041
Total noninterest income	$112,000	9,672
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,053
Total noninterest expense	$540,000	10,428
Salaries and employee benefits	$257,000	10,674
Premises and equipment expense	$76,000	9,922
Additional noninterest expense	$207,000	9,861
Pre-tax net operating income	$70,000	10,509
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$70,000	10,454
Extraordinary gains, net	$0	53
Net income	$70,000	10,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,815
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$70,000	10,410
1995-12-31 (YTD Data)		Rank
Total interest income	$858,000	11,465
Total interest expense	$426,000	11,255
Net interest income	$432,000	11,531
Provision for loan and lease losses	$5,000	8,671
Total noninterest income	$57,000	11,227
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	9,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,452
Total noninterest expense	$509,000	10,987
Salaries and employee benefits	$255,000	11,117
Premises and equipment expense	$72,000	10,422
Additional noninterest expense	$182,000	10,657
Pre-tax net operating income	$-25,000	11,535
Securities gains (losses)	$0	3,831
Applicable income taxes	$5,000	11,015
Income before extraordinary items	$-30,000	11,548
Extraordinary gains, net	$0	65
Net income	$-30,000	11,547
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-30,000	11,524
1994-12-31 (YTD Data)		Rank
Total interest income	$755,000	12,124
Total interest expense	$301,000	12,033
Net interest income	$454,000	12,117
Provision for loan and lease losses	$18,000	7,907
Total noninterest income	$58,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	10,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,251
Total noninterest expense	$570,000	11,266
Salaries and employee benefits	$305,000	11,156
Premises and equipment expense	$74,000	10,838
Additional noninterest expense	$191,000	11,259
Pre-tax net operating income	$-76,000	12,186
Securities gains (losses)	$0	3,600
Applicable income taxes	$-16,000	12,112
Income before extraordinary items	$-60,000	12,122
Extraordinary gains, net	$0	249
Net income	$-60,000	12,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-60,000	12,135
1993-12-31 (YTD Data)		Rank
Total interest income	$631,000	12,907
Total interest expense	$239,000	12,872
Net interest income	$392,000	12,833
Provision for loan and lease losses	$0	10,371
Total noninterest income	$33,000	12,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	11,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$425,000	12,528
Salaries and employee benefits	$234,000	12,337
Premises and equipment expense	$46,000	12,340
Additional noninterest expense	$145,000	12,490
Pre-tax net operating income	$0	12,389
Securities gains (losses)	$49,000	3,427
Applicable income taxes	$8,000	11,870
Income before extraordinary items	$41,000	12,305
Extraordinary gains, net	$7,000	3,012
Net income	$48,000	12,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	11,292
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-160	12,393
1992-12-31 (YTD Data)		Rank
Total interest income	$632,000	13,571
Total interest expense	$305,000	13,468
Net interest income	$327,000	13,567
Provision for loan and lease losses	$0	11,756
Total noninterest income	$62,000	12,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	11,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	10,088
Total noninterest expense	$323,000	13,496
Salaries and employee benefits	$175,000	13,370
Premises and equipment expense	$36,000	13,211
Additional noninterest expense	$112,000	13,408
Pre-tax net operating income	$66,000	12,301
Securities gains (losses)	$8,000	6,653
Applicable income taxes	$11,000	12,338
Income before extraordinary items	$63,000	12,432
Extraordinary gains, net	$3,000	1,401
Net income	$66,000	12,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	8,345
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$56,200	12,226

* 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.