Home > Bank of Texas > Income and Expense
Bank of Texas, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $35,664,000 | 939 |
| Total interest expense | $9,985,000 | 1,492 |
| Net interest income | $25,679,000 | 712 |
| Provision for loan and lease losses | $2,650,000 | 445 |
| Total noninterest income | $7,622,000 | 727 |
| Gross Fiduciary activities income | $3,922,000 | 224 |
| Service charges on deposit accounts | $2,417,000 | 555 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,283,000 | 1,554 |
| Total noninterest expense | $26,402,000 | 613 |
| Salaries and employee benefits | $11,820,000 | 608 |
| Premises and equipment expense | $2,290,000 | 876 |
| Additional noninterest expense | $12,292,000 | 519 |
| Pre-tax net operating income | $4,249,000 | 1,751 |
| Securities gains (losses) | $179,000 | 576 |
| Applicable income taxes | $2,784,000 | 939 |
| Income before extraordinary items | $1,644,000 | 3,020 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,644,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $10,000,000 | 389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,529,440 | 3,151 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $30,734,000 | 1,065 |
| Total interest expense | $9,014,000 | 1,706 |
| Net interest income | $21,720,000 | 787 |
| Provision for loan and lease losses | $1,810,000 | 623 |
| Total noninterest income | $6,412,000 | 784 |
| Gross Fiduciary activities income | $3,123,000 | 251 |
| Service charges on deposit accounts | $1,949,000 | 629 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,340,000 | 1,508 |
| Total noninterest expense | $18,244,000 | 800 |
| Salaries and employee benefits | $9,367,000 | 720 |
| Premises and equipment expense | $1,731,000 | 1,119 |
| Additional noninterest expense | $7,146,000 | 754 |
| Pre-tax net operating income | $8,078,000 | 966 |
| Securities gains (losses) | $529,000 | 537 |
| Applicable income taxes | $4,362,000 | 640 |
| Income before extraordinary items | $4,245,000 | 1,259 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,245,000 | 1,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-196,000 | 10,350 |
| Cash dividends | $75,000 | 6,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,906,440 | 1,304 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,049,000 | 2,324 |
| Total interest expense | $4,659,000 | 3,188 |
| Net interest income | $9,390,000 | 1,857 |
| Provision for loan and lease losses | $368,000 | 2,224 |
| Total noninterest income | $1,028,000 | 2,982 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $696,000 | 1,871 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $7,920,000 | 1,652 |
| Salaries and employee benefits | $3,466,000 | 1,892 |
| Premises and equipment expense | $638,000 | 2,984 |
| Additional noninterest expense | $3,816,000 | 1,159 |
| Pre-tax net operating income | $2,130,000 | 3,339 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,651,000 | 1,567 |
| Income before extraordinary items | $479,000 | 7,110 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $479,000 | 7,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 10,452 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $479,000 | 7,057 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,876,000 | 2,407 |
| Total interest expense | $5,074,000 | 2,961 |
| Net interest income | $8,802,000 | 2,035 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $992,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $868,000 | 1,538 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $5,198,000 | 2,619 |
| Salaries and employee benefits | $3,136,000 | 2,124 |
| Premises and equipment expense | $708,000 | 2,762 |
| Additional noninterest expense | $1,354,000 | 3,405 |
| Pre-tax net operating income | $4,556,000 | 1,595 |
| Securities gains (losses) | $-15,000 | 10,479 |
| Applicable income taxes | $1,564,000 | 1,547 |
| Income before extraordinary items | $2,977,000 | 1,671 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,977,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 11,145 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,986,900 | 1,636 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,123,000 | 2,755 |
| Total interest expense | $4,463,000 | 3,328 |
| Net interest income | $7,660,000 | 2,339 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $927,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $798,000 | 1,698 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $129,000 | 6,436 |
| Total noninterest expense | $4,842,000 | 2,795 |
| Salaries and employee benefits | $2,695,000 | 2,479 |
| Premises and equipment expense | $616,000 | 3,144 |
| Additional noninterest expense | $1,531,000 | 3,042 |
| Pre-tax net operating income | $3,735,000 | 1,971 |
| Securities gains (losses) | $-6,000 | 9,789 |
| Applicable income taxes | $1,282,000 | 1,905 |
| Income before extraordinary items | $2,447,000 | 2,059 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,447,000 | 2,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,245 |
| Cash dividends | $146,000 | 6,150 |
| Sale, conversion, retirement of capital stock, net | $-1,406,000 | 10,524 |
| Net operating income | $2,450,960 | 2,026 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,469,000 | 3,196 |
| Total interest expense | $3,155,000 | 3,779 |
| Net interest income | $6,314,000 | 2,861 |
| Provision for loan and lease losses | $-90,000 | 12,122 |
| Total noninterest income | $945,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $835,000 | 1,625 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $4,384,000 | 3,139 |
| Salaries and employee benefits | $2,424,000 | 2,743 |
| Premises and equipment expense | $510,000 | 3,737 |
| Additional noninterest expense | $1,450,000 | 3,419 |
| Pre-tax net operating income | $2,966,000 | 2,402 |
| Securities gains (losses) | $-74,000 | 11,337 |
| Applicable income taxes | $991,000 | 2,262 |
| Income before extraordinary items | $1,901,000 | 2,555 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,901,000 | 2,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,981 |
| Cash dividends | $126,000 | 6,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,949,840 | 2,503 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,774,000 | 3,505 |
| Total interest expense | $3,062,000 | 4,047 |
| Net interest income | $5,712,000 | 3,172 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $946,000 | 3,489 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $850,000 | 1,613 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $96,000 | 8,002 |
| Total noninterest expense | $4,118,000 | 3,393 |
| Salaries and employee benefits | $2,273,000 | 2,907 |
| Premises and equipment expense | $409,000 | 4,628 |
| Additional noninterest expense | $1,436,000 | 3,631 |
| Pre-tax net operating income | $2,540,000 | 2,670 |
| Securities gains (losses) | $277,000 | 1,373 |
| Applicable income taxes | $925,000 | 2,452 |
| Income before extraordinary items | $1,892,000 | 2,662 |
| Extraordinary gains, net | $6,000 | 3,038 |
| Net income | $1,898,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 12,927 |
| Cash dividends | $108,000 | 6,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,706,410 | 2,735 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,044,000 | 3,469 |
| Total interest expense | $4,280,000 | 3,825 |
| Net interest income | $5,764,000 | 3,188 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $940,000 | 3,488 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $784,000 | 1,714 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $156,000 | 6,504 |
| Total noninterest expense | $4,025,000 | 3,487 |
| Salaries and employee benefits | $2,104,000 | 3,073 |
| Premises and equipment expense | $389,000 | 4,906 |
| Additional noninterest expense | $1,532,000 | 3,536 |
| Pre-tax net operating income | $2,619,000 | 2,362 |
| Securities gains (losses) | $256,000 | 1,692 |
| Applicable income taxes | $980,000 | 2,148 |
| Income before extraordinary items | $1,895,000 | 2,411 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,895,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 4,293 |
| Cash dividends | $223,000 | 4,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,726,040 | 2,463 |
* 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.