Home > Hill Country Bank > Income and Expense
Hill Country Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,027,000 | 3,574 |
| Total interest expense | $2,456,000 | 5,484 |
| Net interest income | $6,571,000 | 2,645 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $722,000 | 3,887 |
| 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 | $199,000 | 4,961 |
| Total noninterest expense | $4,337,000 | 2,932 |
| Salaries and employee benefits | $2,222,000 | 2,980 |
| Premises and equipment expense | $541,000 | 3,451 |
| Additional noninterest expense | $1,574,000 | 2,603 |
| Pre-tax net operating income | $2,956,000 | 2,523 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $391,000 | 4,942 |
| Income before extraordinary items | $2,565,000 | 2,063 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,565,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $2,369,000 | 1,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,565,000 | 2,008 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,985,000 | 4,047 |
| Total interest expense | $2,191,000 | 6,067 |
| Net interest income | $5,794,000 | 3,055 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $840,000 | 3,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $538,000 | 2,525 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 4,055 |
| Total noninterest expense | $3,605,000 | 3,683 |
| Salaries and employee benefits | $1,979,000 | 3,363 |
| Premises and equipment expense | $441,000 | 4,189 |
| Additional noninterest expense | $1,185,000 | 3,821 |
| Pre-tax net operating income | $2,933,000 | 2,419 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $840,000 | 2,723 |
| Income before extraordinary items | $2,093,000 | 2,355 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,093,000 | 2,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-200,000 | 11,333 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,093,000 | 2,305 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,559,000 | 4,231 |
| Total interest expense | $2,160,000 | 6,157 |
| Net interest income | $5,399,000 | 3,287 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $743,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $499,000 | 2,732 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 4,551 |
| Total noninterest expense | $3,513,000 | 3,734 |
| Salaries and employee benefits | $1,869,000 | 3,527 |
| Premises and equipment expense | $389,000 | 4,649 |
| Additional noninterest expense | $1,255,000 | 3,601 |
| Pre-tax net operating income | $2,533,000 | 2,808 |
| Securities gains (losses) | $-85,000 | 11,418 |
| Applicable income taxes | $675,000 | 3,342 |
| Income before extraordinary items | $1,773,000 | 2,783 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,773,000 | 2,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-228,000 | 11,875 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,834,200 | 2,665 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,729,000 | 4,380 |
| Total interest expense | $1,515,000 | 6,847 |
| Net interest income | $5,214,000 | 3,429 |
| Provision for loan and lease losses | $810,000 | 1,073 |
| Total noninterest income | $706,000 | 4,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $3,272,000 | 4,091 |
| Salaries and employee benefits | $1,700,000 | 3,827 |
| Premises and equipment expense | $323,000 | 5,394 |
| Additional noninterest expense | $1,249,000 | 3,915 |
| Pre-tax net operating income | $1,838,000 | 3,671 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $592,000 | 3,553 |
| Income before extraordinary items | $1,246,000 | 3,728 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,246,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 1,064 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,246,000 | 3,755 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,293,000 | 5,502 |
| Total interest expense | $1,164,000 | 8,425 |
| Net interest income | $4,129,000 | 4,272 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $587,000 | 5,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $510,000 | 2,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $2,747,000 | 4,850 |
| Salaries and employee benefits | $1,431,000 | 4,461 |
| Premises and equipment expense | $245,000 | 6,787 |
| Additional noninterest expense | $1,071,000 | 4,652 |
| Pre-tax net operating income | $1,789,000 | 3,698 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $653,000 | 3,332 |
| Income before extraordinary items | $1,157,000 | 4,155 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,157,000 | 4,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,143,560 | 3,982 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,495,000 | 6,909 |
| Total interest expense | $1,345,000 | 9,055 |
| Net interest income | $3,150,000 | 5,494 |
| Provision for loan and lease losses | $151,000 | 6,055 |
| Total noninterest income | $491,000 | 5,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $447,000 | 3,137 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $2,063,000 | 6,217 |
| Salaries and employee benefits | $998,000 | 6,036 |
| Premises and equipment expense | $217,000 | 7,459 |
| Additional noninterest expense | $848,000 | 5,809 |
| Pre-tax net operating income | $1,427,000 | 4,237 |
| Securities gains (losses) | $425,000 | 1,226 |
| Applicable income taxes | $631,000 | 3,288 |
| Income before extraordinary items | $1,221,000 | 3,742 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,221,000 | 3,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $940,500 | 4,434 |
* 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.