Home > Clear Lake National Bank > Income and Expense
Clear Lake National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,447,000 | 4,708 |
| Total interest expense | $1,784,000 | 6,580 |
| Net interest income | $4,663,000 | 3,629 |
| Provision for loan and lease losses | $433,000 | 1,937 |
| Total noninterest income | $859,000 | 3,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $498,000 | 2,572 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $361,000 | 3,643 |
| Total noninterest expense | $4,855,000 | 2,696 |
| Salaries and employee benefits | $2,237,000 | 3,005 |
| Premises and equipment expense | $874,000 | 2,230 |
| Additional noninterest expense | $1,744,000 | 2,382 |
| Pre-tax net operating income | $234,000 | 8,748 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $109,000 | 7,396 |
| Income before extraordinary items | $125,000 | 9,150 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $125,000 | 9,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,985 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $125,000 | 9,076 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,907,000 | 5,133 |
| Total interest expense | $1,622,000 | 7,072 |
| Net interest income | $4,285,000 | 3,990 |
| Provision for loan and lease losses | $164,000 | 3,946 |
| Total noninterest income | $722,000 | 3,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 4,817 |
| Total noninterest expense | $3,778,000 | 3,348 |
| Salaries and employee benefits | $1,811,000 | 3,620 |
| Premises and equipment expense | $568,000 | 3,317 |
| Additional noninterest expense | $1,399,000 | 2,914 |
| Pre-tax net operating income | $1,065,000 | 5,637 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $368,000 | 5,148 |
| Income before extraordinary items | $697,000 | 5,922 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $697,000 | 5,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,562 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $697,000 | 5,880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 5,791 |
| Total interest expense | $1,493,000 | 7,596 |
| Net interest income | $3,684,000 | 4,627 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $726,000 | 3,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,401 |
| Total noninterest expense | $3,049,000 | 4,257 |
| Salaries and employee benefits | $1,509,000 | 4,280 |
| Premises and equipment expense | $416,000 | 4,397 |
| Additional noninterest expense | $1,124,000 | 3,992 |
| Pre-tax net operating income | $1,271,000 | 4,916 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $409,000 | 4,824 |
| Income before extraordinary items | $862,000 | 5,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $862,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,157 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $862,000 | 4,969 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,293,000 | 6,696 |
| Total interest expense | $1,198,000 | 8,590 |
| Net interest income | $3,095,000 | 5,369 |
| Provision for loan and lease losses | $104,000 | 4,516 |
| Total noninterest income | $722,000 | 3,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $466,000 | 2,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,412 |
| Total noninterest expense | $2,663,000 | 4,727 |
| Salaries and employee benefits | $1,279,000 | 4,928 |
| Premises and equipment expense | $364,000 | 4,892 |
| Additional noninterest expense | $1,020,000 | 4,284 |
| Pre-tax net operating income | $1,050,000 | 5,795 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $360,000 | 5,320 |
| Income before extraordinary items | $701,000 | 5,991 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $701,000 | 5,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $315,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $693,740 | 6,019 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,237,000 | 7,715 |
| Total interest expense | $901,000 | 9,125 |
| Net interest income | $2,336,000 | 6,788 |
| Provision for loan and lease losses | $-6,000 | 11,728 |
| Total noninterest income | $839,000 | 3,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $496,000 | 2,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $343,000 | 3,763 |
| Total noninterest expense | $2,260,000 | 5,611 |
| Salaries and employee benefits | $1,075,000 | 5,751 |
| Premises and equipment expense | $286,000 | 5,920 |
| Additional noninterest expense | $899,000 | 5,170 |
| Pre-tax net operating income | $921,000 | 6,292 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $318,000 | 5,654 |
| Income before extraordinary items | $622,000 | 6,381 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $622,000 | 6,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,486 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $609,460 | 6,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 8,399 |
| Total interest expense | $875,000 | 9,659 |
| Net interest income | $2,089,000 | 7,441 |
| Provision for loan and lease losses | $-1,000 | 12,428 |
| Total noninterest income | $847,000 | 3,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $479,000 | 2,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $368,000 | 3,968 |
| Total noninterest expense | $2,243,000 | 5,769 |
| Salaries and employee benefits | $1,041,000 | 5,929 |
| Premises and equipment expense | $288,000 | 6,054 |
| Additional noninterest expense | $914,000 | 5,299 |
| Pre-tax net operating income | $694,000 | 7,397 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $237,000 | 6,990 |
| Income before extraordinary items | $457,000 | 7,913 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $457,000 | 8,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $457,000 | 7,659 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,215,000 | 8,614 |
| Total interest expense | $1,179,000 | 9,674 |
| Net interest income | $2,036,000 | 7,652 |
| Provision for loan and lease losses | $-17,000 | 13,514 |
| Total noninterest income | $835,000 | 3,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 3,283 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $411,000 | 3,642 |
| Total noninterest expense | $2,098,000 | 6,146 |
| Salaries and employee benefits | $904,000 | 6,600 |
| Premises and equipment expense | $282,000 | 6,251 |
| Additional noninterest expense | $912,000 | 5,456 |
| Pre-tax net operating income | $790,000 | 6,612 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $443,000 | 4,417 |
| Income before extraordinary items | $349,000 | 8,742 |
| Extraordinary gains, net | $200,000 | 429 |
| Net income | $549,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $347,720 | 8,385 |
* 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.