Home > Centerpoint Bank > Income and Expense
Centerpoint Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,463,000 | 3,828 |
| Total interest expense | $2,803,000 | 5,069 |
| Net interest income | $5,660,000 | 3,126 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $224,000 | 7,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,410 |
| Total noninterest expense | $3,553,000 | 3,726 |
| Salaries and employee benefits | $1,663,000 | 3,926 |
| Premises and equipment expense | $530,000 | 3,605 |
| Additional noninterest expense | $1,360,000 | 3,396 |
| Pre-tax net operating income | $2,031,000 | 3,390 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $755,000 | 3,002 |
| Income before extraordinary items | $1,276,000 | 3,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,276,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $391,000 | 3,978 |
| Sale, conversion, retirement of capital stock, net | $241,000 | 557 |
| Net operating income | $1,276,000 | 3,625 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,703,000 | 4,730 |
| Total interest expense | $2,013,000 | 6,435 |
| Net interest income | $4,690,000 | 3,747 |
| Provision for loan and lease losses | $273,000 | 2,418 |
| Total noninterest income | $164,000 | 9,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $3,125,000 | 4,132 |
| Salaries and employee benefits | $1,450,000 | 4,421 |
| Premises and equipment expense | $458,000 | 4,060 |
| Additional noninterest expense | $1,217,000 | 3,694 |
| Pre-tax net operating income | $1,456,000 | 4,563 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $635,000 | 3,524 |
| Income before extraordinary items | $821,000 | 5,348 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $821,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $89,000 | 7,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $821,000 | 5,321 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,749,000 | 5,904 |
| Total interest expense | $1,262,000 | 7,680 |
| Net interest income | $3,487,000 | 4,956 |
| Provision for loan and lease losses | $268,000 | 2,466 |
| Total noninterest income | $145,000 | 9,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,035 |
| Total noninterest expense | $2,459,000 | 5,236 |
| Salaries and employee benefits | $1,199,000 | 5,247 |
| Premises and equipment expense | $405,000 | 4,542 |
| Additional noninterest expense | $855,000 | 5,402 |
| Pre-tax net operating income | $905,000 | 6,375 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $125,000 | 8,819 |
| Income before extraordinary items | $779,000 | 5,463 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $779,000 | 5,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,727 |
| Cash dividends | $61,000 | 7,681 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 680 |
| Net operating income | $779,860 | 5,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,433,000 | 7,632 |
| Total interest expense | $952,000 | 9,326 |
| Net interest income | $2,481,000 | 6,582 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $143,000 | 10,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $2,133,000 | 6,022 |
| Salaries and employee benefits | $1,013,000 | 6,053 |
| Premises and equipment expense | $348,000 | 5,260 |
| Additional noninterest expense | $772,000 | 6,094 |
| Pre-tax net operating income | $241,000 | 10,694 |
| Securities gains (losses) | $124,000 | 2,209 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $365,000 | 8,794 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $365,000 | 8,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,154 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $241,000 | 9,900 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,847,000 | 9,245 |
| Total interest expense | $1,065,000 | 10,113 |
| Net interest income | $1,782,000 | 8,395 |
| Provision for loan and lease losses | $170,000 | 5,731 |
| Total noninterest income | $117,000 | 11,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,566,000 | 7,685 |
| Salaries and employee benefits | $706,000 | 7,941 |
| Premises and equipment expense | $322,000 | 5,692 |
| Additional noninterest expense | $538,000 | 8,106 |
| Pre-tax net operating income | $163,000 | 11,396 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $51,000 | 11,224 |
| Income before extraordinary items | $120,000 | 11,675 |
| Extraordinary gains, net | $51,000 | 984 |
| Net income | $171,000 | 11,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $9,000 | 8,748 |
| Sale, conversion, retirement of capital stock, net | $898,000 | 441 |
| Net operating income | $114,400 | 11,435 |
* 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.