Home > Balcones Bank, S.S.B. > Income and Expense

Balcones Bank, S.S.B., Income and Expense

2005-09-30 (YTD Data)Rank
Total interest income$4,028,0004,900
Total interest expense$1,315,0004,678
Net interest income$2,713,0004,945
Provision for loan and lease losses$-11,0008,598
Total noninterest income$634,0003,948
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$473,0002,554
Trading account gains and fees$0126
Additional Noninterest Income$161,0005,058
Total noninterest expense$2,816,0004,029
Salaries and employee benefits$1,640,0003,846
Premises and equipment expense$371,0004,197
Additional noninterest expense$805,0004,164
Pre-tax net operating income$542,0006,237
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$542,0005,710
Extraordinary gains, net$035
Net income$542,0005,714
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0004,418
Cash dividends$184,0004,165
Sale, conversion, retirement of capital stock, net$0769
Net operating income$542,0005,672
2005-06-30 (YTD Data)Rank
Total interest income$2,656,0004,867
Total interest expense$858,0004,582
Net interest income$1,798,0004,945
Provision for loan and lease losses$23,0005,573
Total noninterest income$425,0003,905
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$314,0002,528
Trading account gains and fees$0116
Additional Noninterest Income$111,0004,976
Total noninterest expense$1,865,0004,028
Salaries and employee benefits$1,084,0003,847
Premises and equipment expense$245,0004,214
Additional noninterest expense$536,0004,132
Pre-tax net operating income$335,0006,368
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$335,0005,887
Extraordinary gains, net$030
Net income$335,0005,890
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0003,677
Cash dividends$184,0003,633
Sale, conversion, retirement of capital stock, net$0643
Net operating income$335,0005,841
2005-03-31 (YTD Data)Rank
Total interest income$1,325,0004,862
Total interest expense$422,0004,510
Net interest income$903,0004,948
Provision for loan and lease losses$18,0004,743
Total noninterest income$224,0003,718
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$151,0002,549
Trading account gains and fees$0115
Additional Noninterest Income$73,0004,368
Total noninterest expense$896,0004,181
Salaries and employee benefits$542,0003,844
Premises and equipment expense$120,0004,309
Additional noninterest expense$234,0004,589
Pre-tax net operating income$213,0005,813
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$213,0005,263
Extraordinary gains, net$024
Net income$213,0005,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$184,0002,325
Sale, conversion, retirement of capital stock, net$0491
Net operating income$213,0005,228
2004-12-31 (YTD Data)Rank
Total interest income$4,955,0004,880
Total interest expense$1,324,0004,839
Net interest income$3,631,0004,797
Provision for loan and lease losses$-180,0008,834
Total noninterest income$919,0003,741
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$644,0002,551
Trading account gains and fees$0138
Additional Noninterest Income$275,0004,433
Total noninterest expense$3,737,0003,954
Salaries and employee benefits$2,173,0003,732
Premises and equipment expense$515,0003,994
Additional noninterest expense$1,049,0004,174
Pre-tax net operating income$993,0005,258
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$993,0004,727
Extraordinary gains, net$034
Net income$993,0004,728
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0006,654
Cash dividends$822,0002,667
Sale, conversion, retirement of capital stock, net$0872
Net operating income$993,0004,648
2004-09-30 (YTD Data)Rank
Total interest income$3,710,0004,860
Total interest expense$955,0004,909
Net interest income$2,755,0004,740
Provision for loan and lease losses$-185,0008,916
Total noninterest income$683,0003,797
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$476,0002,611
Trading account gains and fees$0134
Additional Noninterest Income$207,0004,432
Total noninterest expense$2,810,0003,912
Salaries and employee benefits$1,623,0003,728
Premises and equipment expense$388,0003,960
Additional noninterest expense$799,0004,090
Pre-tax net operating income$813,0005,145
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$813,0004,587
Extraordinary gains, net$026
Net income$813,0004,587
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$821,0001,982
Sale, conversion, retirement of capital stock, net$0738
Net operating income$813,0004,500
2004-06-30 (YTD Data)Rank
Total interest income$2,511,0004,836
Total interest expense$630,0004,959
Net interest income$1,881,0004,680
Provision for loan and lease losses$-123,0008,970
Total noninterest income$461,0003,761
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$309,0002,649
Trading account gains and fees$0130
Additional Noninterest Income$152,0004,279
Total noninterest expense$1,900,0003,904
Salaries and employee benefits$1,088,0003,729
Premises and equipment expense$260,0003,958
Additional noninterest expense$552,0003,998
Pre-tax net operating income$565,0004,976
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$565,0004,401
Extraordinary gains, net$021
Net income$565,0004,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$558,0001,976
Sale, conversion, retirement of capital stock, net$0638
Net operating income$565,0004,316
2004-03-31 (YTD Data)Rank
Total interest income$1,255,0004,850
Total interest expense$323,0004,949
Net interest income$932,0004,709
Provision for loan and lease losses$-82,0009,024
Total noninterest income$206,0003,997
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$152,0002,644
Trading account gains and fees$0121
Additional Noninterest Income$54,0004,970
Total noninterest expense$978,0003,829
Salaries and employee benefits$555,0003,694
Premises and equipment expense$132,0003,942
Additional noninterest expense$291,0003,838
Pre-tax net operating income$242,0005,361
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$242,0004,839
Extraordinary gains, net$016
Net income$242,0004,838
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$55,0003,326
Sale, conversion, retirement of capital stock, net$0464
Net operating income$242,0004,719
2003-12-31 (YTD Data)Rank
Total interest income$5,224,0004,745
Total interest expense$1,473,0004,926
Net interest income$3,751,0004,577
Provision for loan and lease losses$117,0005,087
Total noninterest income$864,0004,044
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$607,0002,667
Trading account gains and fees$0160
Additional Noninterest Income$257,0004,807
Total noninterest expense$3,599,0004,012
Salaries and employee benefits$2,095,0003,780
Premises and equipment expense$474,0004,228
Additional noninterest expense$1,030,0004,179
Pre-tax net operating income$899,0005,428
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$899,0004,945
Extraordinary gains, net$054
Net income$899,0004,945
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,0008,796
Cash dividends$1,269,0001,976
Sale, conversion, retirement of capital stock, net$0868
Net operating income$899,0004,780
2003-09-30 (YTD Data)Rank
Total interest income$3,999,0004,734
Total interest expense$1,145,0004,948
Net interest income$2,854,0004,546
Provision for loan and lease losses$10,0007,100
Total noninterest income$626,0004,187
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$458,0002,672
Trading account gains and fees$0153
Additional Noninterest Income$168,0005,123
Total noninterest expense$2,606,0004,111
Salaries and employee benefits$1,554,0003,796
Premises and equipment expense$357,0004,209
Additional noninterest expense$695,0004,490
Pre-tax net operating income$864,0004,936
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$864,0004,403
Extraordinary gains, net$040
Net income$864,0004,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0008,498
Cash dividends$1,270,0001,464
Sale, conversion, retirement of capital stock, net$0722
Net operating income$864,0004,234
2003-06-30 (YTD Data)Rank
Total interest income$2,731,0004,690
Total interest expense$803,0004,918
Net interest income$1,928,0004,503
Provision for loan and lease losses$-12,0009,104
Total noninterest income$431,0004,077
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$302,0002,635
Trading account gains and fees$0150
Additional Noninterest Income$129,0004,858
Total noninterest expense$1,703,0004,184
Salaries and employee benefits$1,026,0003,830
Premises and equipment expense$235,0004,252
Additional noninterest expense$442,0004,655
Pre-tax net operating income$668,0004,549
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$668,0003,993
Extraordinary gains, net$030
Net income$668,0003,993
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0008,495
Cash dividends$986,0001,337
Sale, conversion, retirement of capital stock, net$0589
Net operating income$668,0003,818
2003-03-31 (YTD Data)Rank
Total interest income$1,372,0004,688
Total interest expense$407,0004,989
Net interest income$965,0004,500
Provision for loan and lease losses$9,0006,152
Total noninterest income$197,0004,200
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$147,0002,616
Trading account gains and fees$0134
Additional Noninterest Income$50,0005,268
Total noninterest expense$862,0004,130
Salaries and employee benefits$511,0003,839
Premises and equipment expense$114,0004,333
Additional noninterest expense$237,0004,391
Pre-tax net operating income$291,0004,865
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$291,0004,330
Extraordinary gains, net$021
Net income$291,0004,328
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0008,512
Cash dividends$390,0001,494
Sale, conversion, retirement of capital stock, net$0419
Net operating income$291,0004,140
2002-12-31 (YTD Data)Rank
Total interest income$6,178,0004,466
Total interest expense$2,267,0004,429
Net interest income$3,911,0004,420
Provision for loan and lease losses$78,0006,121
Total noninterest income$793,0004,027
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$571,0002,667
Trading account gains and fees$0153
Additional Noninterest Income$222,0004,815
Total noninterest expense$3,254,0004,185
Salaries and employee benefits$1,871,0003,963
Premises and equipment expense$402,0004,634
Additional noninterest expense$981,0004,240
Pre-tax net operating income$1,372,0004,345
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$1,372,0003,747
Extraordinary gains, net$070
Net income$1,372,0003,747
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,985
Cash dividends$1,316,0001,815
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,372,0003,632
2001-12-31 (YTD Data)Rank
Total interest income$7,878,0004,068
Total interest expense$3,925,0003,864
Net interest income$3,953,0004,157
Provision for loan and lease losses$62,0006,322
Total noninterest income$765,0003,982
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$565,0002,564
Trading account gains and fees$0177
Additional Noninterest Income$200,0004,926
Total noninterest expense$3,268,0004,055
Salaries and employee benefits$1,805,0003,907
Premises and equipment expense$397,0004,623
Additional noninterest expense$1,066,0003,859
Pre-tax net operating income$1,388,0004,063
Securities gains (losses)$04,612
Applicable income taxes$63,0006,495
Income before extraordinary items$1,325,0003,543
Extraordinary gains, net$0105
Net income$1,325,0003,545
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,648
Cash dividends$2,770,000996
Sale, conversion, retirement of capital stock, net$-949,0009,576
Net operating income$1,325,0003,452
2000-12-31 (YTD Data)Rank
Total interest income$7,483,0004,343
Total interest expense$4,118,0003,883
Net interest income$3,365,0004,749
Provision for loan and lease losses$56,0006,380
Total noninterest income$659,0004,164
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$584,0002,352
Trading account gains and feesNANA
Additional Noninterest Income$75,0007,039
Total noninterest expense$2,651,0004,655
Salaries and employee benefits$1,542,0004,265
Premises and equipment expense$361,0004,827
Additional noninterest expense$748,0004,951
Pre-tax net operating income$1,317,0004,467
Securities gains (losses)$01,956
Applicable income taxes$436,0003,803
Income before extraordinary items$881,0004,743
Extraordinary gains, net$038
Net income$881,0004,742
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$-57,0009,765
Net operating income$881,0004,747
1999-12-31 (YTD Data)Rank
Total interest income$5,048,0005,540
Total interest expense$2,270,0005,534
Net interest income$2,778,0005,456
Provision for loan and lease losses$23,0007,570
Total noninterest income$575,0004,555
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$534,0002,480
Trading account gains and feesNANA
Additional Noninterest Income$41,0008,376
Total noninterest expense$2,319,0005,128
Salaries and employee benefits$1,222,0005,100
Premises and equipment expense$345,0005,015
Additional noninterest expense$752,0005,005
Pre-tax net operating income$1,011,0005,281
Securities gains (losses)$03,155
Applicable income taxes$338,0004,548
Income before extraordinary items$673,0005,579
Extraordinary gains, net$035
Net income$673,0005,576
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,765
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$673,0005,541
1998-12-31 (YTD Data)Rank
Total interest income$4,338,0006,195
Total interest expense$1,920,0006,318
Net interest income$2,418,0005,968
Provision for loan and lease losses$4,0008,522
Total noninterest income$551,0004,652
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$496,0002,577
Trading account gains and feesNANA
Additional Noninterest Income$55,0007,990
Total noninterest expense$2,223,0005,177
Salaries and employee benefits$1,158,0005,213
Premises and equipment expense$348,0004,899
Additional noninterest expense$717,0005,074
Pre-tax net operating income$742,0006,327
Securities gains (losses)$04,449
Applicable income taxes$256,0005,584
Income before extraordinary items$486,0006,689
Extraordinary gains, net$032
Net income$486,0006,687
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,842
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$486,0006,583
1997-12-31 (YTD Data)Rank
Total interest income$4,206,0006,467
Total interest expense$1,869,0006,528
Net interest income$2,337,0006,308
Provision for loan and lease losses$08,829
Total noninterest income$555,0004,662
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$495,0002,653
Trading account gains and feesNANA
Additional Noninterest Income$60,0008,023
Total noninterest expense$2,109,0005,446
Salaries and employee benefits$1,099,0005,473
Premises and equipment expense$280,0005,660
Additional noninterest expense$730,0005,060
Pre-tax net operating income$783,0006,617
Securities gains (losses)$03,944
Applicable income taxes$264,0006,116
Income before extraordinary items$519,0006,862
Extraordinary gains, net$044
Net income$519,0006,865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,932
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$519,0006,810
1996-12-31 (YTD Data)Rank
Total interest income$4,333,0006,546
Total interest expense$1,908,0006,603
Net interest income$2,425,0006,331
Provision for loan and lease losses$09,041
Total noninterest income$483,0005,283
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$447,0003,028
Trading account gains and feesNANA
Additional Noninterest Income$36,0009,538
Total noninterest expense$2,253,0005,429
Salaries and employee benefits$990,0006,036
Premises and equipment expense$266,0006,016
Additional noninterest expense$997,0004,415
Pre-tax net operating income$655,0007,139
Securities gains (losses)$04,148
Applicable income taxes$48,0009,729
Income before extraordinary items$607,0006,229
Extraordinary gains, net$053
Net income$607,0006,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,912
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$607,0006,171
1995-12-31 (YTD Data)Rank
Total interest income$4,115,0006,866
Total interest expense$1,747,0007,022
Net interest income$2,368,0006,539
Provision for loan and lease losses$08,958
Total noninterest income$551,0004,857
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$364,0003,638
Trading account gains and feesNANA
Additional Noninterest Income$187,0005,316
Total noninterest expense$1,792,0006,479
Salaries and employee benefits$863,0006,742
Premises and equipment expense$247,0006,404
Additional noninterest expense$682,0005,977
Pre-tax net operating income$1,127,0005,501
Securities gains (losses)$03,831
Applicable income taxes$370,0005,215
Income before extraordinary items$757,0005,672
Extraordinary gains, net$065
Net income$757,0005,671
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,571
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$757,0005,653
1994-12-31 (YTD Data)Rank
Total interest income$3,640,0007,144
Total interest expense$1,537,0006,783
Net interest income$2,103,0007,318
Provision for loan and lease losses$1,0009,105
Total noninterest income$768,0003,846
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$335,0003,981
Trading account gains and feesNANA
Additional Noninterest Income$433,0003,246
Total noninterest expense$1,826,0006,630
Salaries and employee benefits$751,0007,519
Premises and equipment expense$178,0007,891
Additional noninterest expense$897,0005,178
Pre-tax net operating income$1,044,0005,774
Securities gains (losses)$03,600
Applicable income taxes$366,0005,087
Income before extraordinary items$678,0006,036
Extraordinary gains, net$0249
Net income$678,0006,051
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,524
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$678,0006,113
1993-12-31 (YTD Data)Rank
Total interest income$3,507,0007,526
Total interest expense$1,689,0006,659
Net interest income$1,818,0008,195
Provision for loan and lease losses$45,0007,729
Total noninterest income$347,0007,063
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$347,0004,127
Total noninterest expense$1,611,0007,468
Salaries and employee benefits$747,0007,660
Premises and equipment expense$359,0005,130
Additional noninterest expense$505,0008,159
Pre-tax net operating income$509,0008,607
Securities gains (losses)$91,0002,627
Applicable income taxes$178,0008,047
Income before extraordinary items$422,0008,213
Extraordinary gains, net$2,312,000117
Net income$2,734,0001,889
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$38,0006,608
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$358,3008,592
1992-12-31 (YTD Data)Rank
Total interest income$3,933,0007,602
Total interest expense$2,174,0006,683
Net interest income$1,759,0008,472
Provision for loan and lease losses$67,0008,339
Total noninterest income$339,0007,232
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$339,0004,110
Total noninterest expense$1,685,0007,300
Salaries and employee benefits$708,0007,926
Premises and equipment expense$419,0004,626
Additional noninterest expense$558,0007,898
Pre-tax net operating income$346,0009,729
Securities gains (losses)$08,369
Applicable income taxes$012,680
Income before extraordinary items$346,0008,763
Extraordinary gains, net$01,422
Net income$346,0008,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$346,0008,400

* 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.