Home > West Texas National Bank > Income and Expense
West Texas National Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,457,000 | 2,141 |
| Total interest expense | $6,783,000 | 2,481 |
| Net interest income | $9,674,000 | 1,822 |
| Provision for loan and lease losses | $308,000 | 2,774 |
| Total noninterest income | $1,849,000 | 1,996 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,317,000 | 1,021 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $532,000 | 2,844 |
| Total noninterest expense | $7,765,000 | 1,799 |
| Salaries and employee benefits | $3,444,000 | 2,070 |
| Premises and equipment expense | $1,158,000 | 1,811 |
| Additional noninterest expense | $3,163,000 | 1,418 |
| Pre-tax net operating income | $3,450,000 | 2,111 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $95,000 | 6,574 |
| Income before extraordinary items | $3,355,000 | 1,575 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,355,000 | 1,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 1,499 |
| Cash dividends | $3,246,000 | 901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,355,000 | 1,565 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,243,000 | 5,399 |
| Total interest expense | $1,749,000 | 6,464 |
| Net interest income | $3,494,000 | 4,660 |
| Provision for loan and lease losses | $37,000 | 6,969 |
| Total noninterest income | $827,000 | 3,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $343,000 | 3,726 |
| Total noninterest expense | $2,999,000 | 4,211 |
| Salaries and employee benefits | $1,473,000 | 4,406 |
| Premises and equipment expense | $407,000 | 4,469 |
| Additional noninterest expense | $1,119,000 | 3,662 |
| Pre-tax net operating income | $1,285,000 | 4,559 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $33,000 | 7,937 |
| Income before extraordinary items | $1,259,000 | 3,718 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,259,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $1,123,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,252,210 | 3,704 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 9,488 |
| Total interest expense | $453,000 | 9,797 |
| Net interest income | $888,000 | 9,050 |
| Provision for loan and lease losses | $-16,000 | 10,235 |
| Total noninterest income | $199,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,463 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,213 |
| Total noninterest expense | $730,000 | 9,016 |
| Salaries and employee benefits | $370,000 | 9,157 |
| Premises and equipment expense | $99,000 | 8,732 |
| Additional noninterest expense | $261,000 | 8,491 |
| Pre-tax net operating income | $373,000 | 8,020 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $373,000 | 7,387 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $373,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $373,000 | 7,314 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 5,495 |
| Total interest expense | $1,832,000 | 6,603 |
| Net interest income | $3,554,000 | 4,672 |
| Provision for loan and lease losses | $113,000 | 4,920 |
| Total noninterest income | $851,000 | 3,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,736 |
| Total noninterest expense | $2,915,000 | 4,190 |
| Salaries and employee benefits | $1,488,000 | 4,284 |
| Premises and equipment expense | $426,000 | 4,234 |
| Additional noninterest expense | $1,001,000 | 3,905 |
| Pre-tax net operating income | $1,377,000 | 4,768 |
| Securities gains (losses) | $103,000 | 971 |
| Applicable income taxes | $479,000 | 4,340 |
| Income before extraordinary items | $1,001,000 | 4,710 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,001,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,724 |
| Cash dividends | $1,674,000 | 1,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $930,960 | 4,882 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,279,000 | 5,694 |
| Total interest expense | $1,902,000 | 6,622 |
| Net interest income | $3,377,000 | 4,983 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $894,000 | 3,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $568,000 | 2,394 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,887 |
| Total noninterest expense | $2,717,000 | 4,683 |
| Salaries and employee benefits | $1,459,000 | 4,424 |
| Premises and equipment expense | $366,000 | 4,870 |
| Additional noninterest expense | $892,000 | 4,791 |
| Pre-tax net operating income | $1,539,000 | 4,247 |
| Securities gains (losses) | $47,000 | 1,369 |
| Applicable income taxes | $513,000 | 4,074 |
| Income before extraordinary items | $1,073,000 | 4,230 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,073,000 | 4,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $138,000 | 6,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,041,040 | 4,279 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 6,049 |
| Total interest expense | $1,805,000 | 6,890 |
| Net interest income | $3,128,000 | 5,318 |
| Provision for loan and lease losses | $79,000 | 5,161 |
| Total noninterest income | $840,000 | 3,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $571,000 | 2,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $269,000 | 4,285 |
| Total noninterest expense | $2,556,000 | 4,903 |
| Salaries and employee benefits | $1,392,000 | 4,585 |
| Premises and equipment expense | $306,000 | 5,546 |
| Additional noninterest expense | $858,000 | 4,954 |
| Pre-tax net operating income | $1,333,000 | 4,868 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $443,000 | 4,575 |
| Income before extraordinary items | $890,000 | 5,036 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $890,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,742 |
| Cash dividends | $980,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $890,000 | 5,026 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,299,000 | 6,354 |
| Total interest expense | $1,466,000 | 6,990 |
| Net interest income | $2,833,000 | 5,855 |
| Provision for loan and lease losses | $-16,000 | 11,813 |
| Total noninterest income | $754,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $540,000 | 2,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,051 |
| Total noninterest expense | $2,404,000 | 5,340 |
| Salaries and employee benefits | $1,296,000 | 4,895 |
| Premises and equipment expense | $294,000 | 5,808 |
| Additional noninterest expense | $814,000 | 5,616 |
| Pre-tax net operating income | $1,199,000 | 5,242 |
| Securities gains (losses) | $61,000 | 1,035 |
| Applicable income taxes | $419,000 | 4,595 |
| Income before extraordinary items | $841,000 | 5,164 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $841,000 | 5,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $546,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $800,130 | 5,432 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 6,687 |
| Total interest expense | $1,506,000 | 7,182 |
| Net interest income | $2,648,000 | 6,259 |
| Provision for loan and lease losses | $11,000 | 9,693 |
| Total noninterest income | $598,000 | 4,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,493 |
| Total noninterest expense | $2,216,000 | 5,834 |
| Salaries and employee benefits | $1,161,000 | 5,386 |
| Premises and equipment expense | $258,000 | 6,546 |
| Additional noninterest expense | $797,000 | 5,941 |
| Pre-tax net operating income | $1,019,000 | 5,819 |
| Securities gains (losses) | $157,000 | 1,942 |
| Applicable income taxes | $380,000 | 5,186 |
| Income before extraordinary items | $796,000 | 5,596 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $796,000 | 5,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $172,000 | 5,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $689,240 | 5,927 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,300,000 | 7,129 |
| Total interest expense | $2,096,000 | 6,878 |
| Net interest income | $2,204,000 | 7,235 |
| Provision for loan and lease losses | $-60,000 | 13,645 |
| Total noninterest income | $564,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,886 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,472 |
| Total noninterest expense | $2,092,000 | 6,157 |
| Salaries and employee benefits | $1,039,000 | 5,825 |
| Premises and equipment expense | $224,000 | 7,300 |
| Additional noninterest expense | $829,000 | 5,894 |
| Pre-tax net operating income | $736,000 | 6,910 |
| Securities gains (losses) | $245,000 | 1,748 |
| Applicable income taxes | $328,000 | 5,597 |
| Income before extraordinary items | $653,000 | 6,212 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $653,000 | 6,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 13,300 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $488,850 | 7,052 |
* 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.