Home > Bank of Texas > Income and Expense
Bank of Texas, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,073,000 | 6,594 |
| Total interest expense | $1,720,000 | 6,848 |
| Net interest income | $2,353,000 | 6,287 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $717,000 | 3,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $514,000 | 2,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $203,000 | 4,916 |
| Total noninterest expense | $2,302,000 | 5,097 |
| Salaries and employee benefits | $1,072,000 | 5,587 |
| Premises and equipment expense | $314,000 | 5,292 |
| Additional noninterest expense | $916,000 | 4,241 |
| Pre-tax net operating income | $690,000 | 7,013 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $215,000 | 6,682 |
| Income before extraordinary items | $475,000 | 7,134 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $475,000 | 7,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $6,000 | 7,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $475,000 | 7,083 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 7,083 |
| Total interest expense | $1,628,000 | 7,262 |
| Net interest income | $2,145,000 | 6,869 |
| Provision for loan and lease losses | $93,000 | 5,288 |
| Total noninterest income | $736,000 | 3,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,967 |
| Total noninterest expense | $2,086,000 | 5,758 |
| Salaries and employee benefits | $947,000 | 6,232 |
| Premises and equipment expense | $309,000 | 5,469 |
| Additional noninterest expense | $830,000 | 5,063 |
| Pre-tax net operating income | $702,000 | 6,922 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $232,000 | 6,682 |
| Income before extraordinary items | $470,000 | 7,108 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $470,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,297 |
| Cash dividends | $26,000 | 7,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $470,000 | 7,050 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 7,876 |
| Total interest expense | $1,311,000 | 8,246 |
| Net interest income | $1,931,000 | 7,458 |
| Provision for loan and lease losses | $89,000 | 4,893 |
| Total noninterest income | $756,000 | 3,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $469,000 | 2,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,109 |
| Total noninterest expense | $2,138,000 | 5,708 |
| Salaries and employee benefits | $989,000 | 6,124 |
| Premises and equipment expense | $290,000 | 5,781 |
| Additional noninterest expense | $859,000 | 4,950 |
| Pre-tax net operating income | $460,000 | 8,688 |
| Securities gains (losses) | $-15,000 | 10,368 |
| Applicable income taxes | $124,000 | 8,732 |
| Income before extraordinary items | $321,000 | 8,731 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $321,000 | 8,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,210 |
| Cash dividends | $47,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $331,800 | 8,617 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,878,000 | 8,276 |
| Total interest expense | $962,000 | 8,857 |
| Net interest income | $1,916,000 | 7,761 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $608,000 | 4,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,083 |
| Total noninterest expense | $2,056,000 | 6,058 |
| Salaries and employee benefits | $901,000 | 6,625 |
| Premises and equipment expense | $252,000 | 6,490 |
| Additional noninterest expense | $903,000 | 5,155 |
| Pre-tax net operating income | $450,000 | 8,995 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $126,000 | 8,792 |
| Income before extraordinary items | $320,000 | 8,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $320,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,113 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $322,880 | 8,958 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 9,309 |
| Total interest expense | $856,000 | 9,761 |
| Net interest income | $1,586,000 | 8,844 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $639,000 | 4,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 4,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $316,000 | 4,329 |
| Total noninterest expense | $1,657,000 | 7,334 |
| Salaries and employee benefits | $738,000 | 7,725 |
| Premises and equipment expense | $234,000 | 7,011 |
| Additional noninterest expense | $685,000 | 6,668 |
| Pre-tax net operating income | $544,000 | 8,341 |
| Securities gains (losses) | $-53,000 | 13,098 |
| Applicable income taxes | $91,000 | 9,959 |
| Income before extraordinary items | $400,000 | 8,440 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $400,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 12,663 |
| Cash dividends | $173,000 | 5,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $442,930 | 7,767 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,684,000 | 9,566 |
| Total interest expense | $1,170,000 | 9,719 |
| Net interest income | $1,514,000 | 9,228 |
| Provision for loan and lease losses | $67,000 | 8,339 |
| Total noninterest income | $491,000 | 5,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 4,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $1,548,000 | 7,743 |
| Salaries and employee benefits | $567,000 | 9,108 |
| Premises and equipment expense | $203,000 | 7,765 |
| Additional noninterest expense | $778,000 | 6,226 |
| Pre-tax net operating income | $390,000 | 9,334 |
| Securities gains (losses) | $118,000 | 2,739 |
| Applicable income taxes | $166,000 | 8,249 |
| Income before extraordinary items | $342,000 | 8,804 |
| Extraordinary gains, net | $9,000 | 1,353 |
| Net income | $351,000 | 8,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 7,091 |
| Cash dividends | $31,000 | 8,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $262,940 | 9,380 |
* 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.