Home > Bank of America Texas > Income and Expense

Bank of America Texas, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$327,792,000	162
Total interest expense	$139,914,000	182
Net interest income	$187,878,000	154
Provision for loan and lease losses	$9,735,000	223
Total noninterest income	$92,574,000	171
Gross Fiduciary activities income	$208,000	861
Service charges on deposit accounts	$71,695,000	51
Trading account gains and fees	$0	224
Additional Noninterest Income	$20,671,000	283
Total noninterest expense	$247,700,000	119
Salaries and employee benefits	$79,446,000	130
Premises and equipment expense	$30,172,000	117
Additional noninterest expense	$138,082,000	115
Pre-tax net operating income	$23,017,000	398
Securities gains (losses)	$0	4,449
Applicable income taxes	$10,027,000	340
Income before extraordinary items	$12,990,000	464
Extraordinary gains, net	$0	32
Net income	$12,990,000	463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,609,000	142
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$12,990,000	448
1997-12-31 (YTD Data)		Rank
Total interest income	$356,426,000	161
Total interest expense	$161,120,000	172
Net interest income	$195,306,000	156
Provision for loan and lease losses	$20,463,000	129
Total noninterest income	$108,925,000	143
Gross Fiduciary activities income	$3,349,000	243
Service charges on deposit accounts	$68,165,000	46
Trading account gains and fees	$0	239
Additional Noninterest Income	$37,411,000	189
Total noninterest expense	$241,980,000	120
Salaries and employee benefits	$76,501,000	127
Premises and equipment expense	$34,670,000	99
Additional noninterest expense	$130,809,000	105
Pre-tax net operating income	$41,788,000	260
Securities gains (losses)	$14,000	2,133
Applicable income taxes	$16,026,000	256
Income before extraordinary items	$25,776,000	284
Extraordinary gains, net	$0	44
Net income	$25,776,000	284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,722,000	161
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$25,767,040	274
1996-12-31 (YTD Data)		Rank
Total interest income	$431,765,000	150
Total interest expense	$215,860,000	144
Net interest income	$215,905,000	144
Provision for loan and lease losses	$25,065,000	117
Total noninterest income	$105,987,000	148
Gross Fiduciary activities income	$3,423,000	268
Service charges on deposit accounts	$72,425,000	42
Trading account gains and fees	$0	262
Additional Noninterest Income	$30,139,000	223
Total noninterest expense	$292,480,000	106
Salaries and employee benefits	$90,357,000	117
Premises and equipment expense	$35,223,000	100
Additional noninterest expense	$166,900,000	89
Pre-tax net operating income	$4,347,000	1,664
Securities gains (losses)	$-6,523,000	11,447
Applicable income taxes	$-13,136,000	11,442
Income before extraordinary items	$10,960,000	534
Extraordinary gains, net	$0	53
Net income	$10,960,000	536
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,077,000	265
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$15,134,720	418
1995-12-31 (YTD Data)		Rank
Total interest income	$481,449,000	129
Total interest expense	$251,087,000	121
Net interest income	$230,362,000	136
Provision for loan and lease losses	$7,111,000	247
Total noninterest income	$83,422,000	165
Gross Fiduciary activities income	$2,805,000	307
Service charges on deposit accounts	$60,768,000	54
Trading account gains and fees	$0	522
Additional Noninterest Income	$19,849,000	280
Total noninterest expense	$291,400,000	100
Salaries and employee benefits	$82,482,000	127
Premises and equipment expense	$37,970,000	95
Additional noninterest expense	$170,948,000	82
Pre-tax net operating income	$15,273,000	583
Securities gains (losses)	$-1,162,000	11,877
Applicable income taxes	$-7,618,000	11,956
Income before extraordinary items	$21,729,000	335
Extraordinary gains, net	$0	65
Net income	$21,729,000	334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,940,000	371
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$22,891,000	317
1994-12-31 (YTD Data)		Rank
Total interest income	$456,536,000	118
Total interest expense	$249,325,000	90
Net interest income	$207,211,000	149
Provision for loan and lease losses	$4,863,000	294
Total noninterest income	$67,036,000	185
Gross Fiduciary activities income	$802,000	582
Service charges on deposit accounts	$49,319,000	63
Trading account gains and fees	$0	475
Additional Noninterest Income	$16,915,000	309
Total noninterest expense	$300,556,000	87
Salaries and employee benefits	$104,897,000	103
Premises and equipment expense	$39,397,000	88
Additional noninterest expense	$156,262,000	87
Pre-tax net operating income	$-31,172,000	12,632
Securities gains (losses)	$0	3,600
Applicable income taxes	$2,895,000	909
Income before extraordinary items	$-34,067,000	12,595
Extraordinary gains, net	$0	249
Net income	$-34,067,000	12,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,791,000	303
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-34,067,000	12,598
1993-12-31 (YTD Data)		Rank
Total interest income	$443,843,000	109
Total interest expense	$268,538,000	63
Net interest income	$175,305,000	169
Provision for loan and lease losses	$16,595,000	186
Total noninterest income	$54,279,000	197
Gross Fiduciary activities income	$685,000	650
Service charges on deposit accounts	$38,544,000	75
Trading account gains and fees	$0	532
Additional Noninterest Income	$15,050,000	328
Total noninterest expense	$296,174,000	85
Salaries and employee benefits	$105,235,000	94
Premises and equipment expense	$38,006,000	84
Additional noninterest expense	$152,933,000	82
Pre-tax net operating income	$-83,185,000	13,310
Securities gains (losses)	$125,000	2,199
Applicable income taxes	$-14,663,000	13,273
Income before extraordinary items	$-68,397,000	13,273
Extraordinary gains, net	$0	3,149
Net income	$-68,397,000	13,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,363,000	261
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-68,499,500	13,270
1992-12-31 (YTD Data)		Rank
Total interest income	$137,802,000	345
Total interest expense	$109,202,000	231
Net interest income	$28,600,000	701
Provision for loan and lease losses	$57,000	8,768
Total noninterest income	$8,497,000	666
Gross Fiduciary activities income	$463,000	790
Service charges on deposit accounts	$5,826,000	283
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,208,000	1,167
Total noninterest expense	$74,959,000	295
Salaries and employee benefits	$25,373,000	316
Premises and equipment expense	$11,685,000	258
Additional noninterest expense	$37,901,000	295
Pre-tax net operating income	$-37,919,000	13,942
Securities gains (losses)	$24,000	5,342
Applicable income taxes	$-10,274,000	13,918
Income before extraordinary items	$-27,621,000	13,909
Extraordinary gains, net	$0	1,422
Net income	$-27,621,000	13,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	5,342
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$270,000,000	5
Net operating income	$-27,638,520	13,898

* 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.