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<br /> I!CTORIA BANK AHa TRUST co. Call Date: 12/31/89 ST-B (: 21-88-1 FFIEC 032 <br /> :20 HA,IN PLACl Page RI' 2 <br /> IICT~RrA, TX 77901 Veridor 10: D iRT: 16931 <br /> 4 <br /> .ransit Number: 11310Z57 Transmitted to CampuServe as F25158.030[Z1601,O0140] at 30-Jan-90 15:39 <br /> Schedule RJ: - Continued <br /> Dollar Amounts in Thousands <br /> 2. Interest expense: <br /> a. Interest on deposits: <br /> 0) Transaction accounts (N~ accounts, ATS accounts, and 8..!.ðQ. Year. to-date <br /> telepho~e and preauthorized transfer accounts) 4508.. 1,172 . . . . . . 2.a.1 <br /> (2) Nontransaction accounts: <br /> (a) Honey market deposit accounts (MMCAs) 4509.. 4,065 . . . . . . 2.a.2a <br /> (b) Other savings deposits 4511.. 386 . . . . . . 2.a.2b <br /> (c) rime certificates of deposit of S 100,000 or more----4174.. 10,886 . . . . . . 2.a.2e <br /> (d) All other time deposits 4512.. 8,933 . . . . . . 2.a.2d <br /> b. Expense of federal funds purchased and securities sold under <br /> agreements to repurchase 4180.. 10,683 . . . . . . 2.b <br /> c. Interest on demand notes issued to the U.S. Treasury and on <br /> other borrowed money 4185.. 194 . . . . . . 2.c <br /> d. Interest on mortgage indebtedness and obligations under <br /> capitalized leases 4072. . 0 . . . . . . 2.d <br /> e. Interest on notes and debenturés subordinated to deposits----4200.. 519 . . . . . . 2.e <br /> f. Total interest expense (sum of items 2.a through 2.e) 4073.. 36,838 . . . . . . 2.f <br /> 3. Net interest income (item 1.g minus 2.f) 4074. . . . . . . . 18,661 3. <br /> 4. Provisions: <br /> a. Provision for loan and lease losses 4230. . . . . . . . 121 4.a <br /> b. provision for allocated transfer risk 4243. . . . . . . . 0 4.b <br /> 5. Noninterest income: <br /> a. Income from fiduciary activities 4070.. 2,037 . . . . . . S.a <br /> b. Service charges on deposit accounts 4080.. 1,501 . . . . . . S.b <br /> c. Trading gains (losses) and fees from foreign exchange <br /> transactions 4075. . 0 . . . . . . s.c <br /> d. Other foreign transaction gains (losses) 4076. . 0 . . . . . . 5.d <br /> e. Gains (losses) and fees from assets held in trading accounts_4077. . 0 . . . . . . s.e <br /> f. Other noninterest income- 4078.. 1,868 . . . . . . 5.f <br /> g. Total noninterest income (sum of items 5.a through 5.f)------4079. . . . . . . . 5,406 5.g <br /> 6. Gains (losses) on securities not held in trading accounts 4091. . . . . . . . 437 6. <br /> 7. Non\ rest expense: <br /> a.! ries and employee benefits 4135.. 8,306 . . . . . . 7.a <br /> b. E nses of premises ana fixed assets (net of rental income) <br /> (excluding salaries and employee benefits and mortgage <br /> interest) 4217.. 4,017 . . . . . . 7.b <br /> c. Other noninterest expense. 4092.. 14,960 . . . . . . 7.c <br /> d. Total noninterest expense (sum of items 7.a through 7.c)-----4093. . . . . . . . 27,283 7.d <br /> ð. Income (loss) before income taxes and extraordinary items and <br /> other adjustments (item 3 plus or minus items 4.a, 4.b, and 5.9, <br /> 6, and 7.d) 4301. . . . . . . . ( 2,900) 8. <br /> 9. Applicable income taxes (on item 8) 4302. . . . . . . . ( 517) 9. <br /> J. Income (loss) before extraordinary items and other adjustments <br /> (item 8 minus 9) 4300. . , . . . . . ( 2,383) 10. <br /> 1. Extraordinary items and other adjustments: <br /> a. Extraordinary items and other adjustments, gross of income <br /> taxes. 4310.. 627 . . . . . . 11.a <br /> b. Applicable income taxes (on item ".a)* 4315. . 213 . . . . . . 11.b <br /> c. Extraordinary items and other adjustments, net of <br /> Income taxes (item 11.8 minus H.b) 4320. . . . . . . . 414 11.e <br /> :. Net income (loss)(sum of items 10 and 11.c) 4340. . . . . . . . ( 1,969) 12. <br /> <br /> ") Describe on Schedule RI-E - Explanations. <br />