Home > First State Bank of North Texas > Income and Expense
First State Bank of North Texas, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,823,000 | 5,906 |
| Total interest expense | $515,000 | 7,242 |
| Net interest income | $2,308,000 | 5,254 |
| Provision for loan and lease losses | $29,000 | 6,447 |
| Total noninterest income | $1,905,000 | 1,979 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,820,000 | 714 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 6,364 |
| Total noninterest expense | $2,133,000 | 4,772 |
| Salaries and employee benefits | $1,251,000 | 4,476 |
| Premises and equipment expense | $212,000 | 5,838 |
| Additional noninterest expense | $670,000 | 4,616 |
| Pre-tax net operating income | $2,051,000 | 2,796 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,058,000 | 2,277 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,058,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $800,000 | 1,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,051,000 | 2,164 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 5,862 |
| Total interest expense | $361,000 | 7,248 |
| Net interest income | $1,574,000 | 5,178 |
| Provision for loan and lease losses | $32,000 | 5,704 |
| Total noninterest income | $1,238,000 | 2,007 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,169,000 | 731 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $1,417,000 | 4,765 |
| Salaries and employee benefits | $821,000 | 4,528 |
| Premises and equipment expense | $141,000 | 5,847 |
| Additional noninterest expense | $455,000 | 4,559 |
| Pre-tax net operating income | $1,363,000 | 2,806 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,370,000 | 2,283 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,370,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,363,000 | 2,168 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 5,751 |
| Total interest expense | $192,000 | 7,192 |
| Net interest income | $814,000 | 5,031 |
| Provision for loan and lease losses | $17,000 | 5,461 |
| Total noninterest income | $577,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $570,000 | 732 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $679,000 | 4,900 |
| Salaries and employee benefits | $402,000 | 4,596 |
| Premises and equipment expense | $74,000 | 5,683 |
| Additional noninterest expense | $203,000 | 4,916 |
| Pre-tax net operating income | $695,000 | 2,752 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $695,000 | 2,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $695,000 | 2,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $695,000 | 2,087 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 5,505 |
| Total interest expense | $1,035,000 | 6,843 |
| Net interest income | $3,492,000 | 4,761 |
| Provision for loan and lease losses | $22,000 | 7,458 |
| Total noninterest income | $1,995,000 | 2,133 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,999,000 | 800 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-4,000 | 9,280 |
| Total noninterest expense | $2,787,000 | 4,697 |
| Salaries and employee benefits | $1,727,000 | 4,224 |
| Premises and equipment expense | $237,000 | 6,307 |
| Additional noninterest expense | $823,000 | 4,835 |
| Pre-tax net operating income | $2,678,000 | 2,746 |
| Securities gains (losses) | $-20,000 | 8,993 |
| Applicable income taxes | $18,000 | 7,092 |
| Income before extraordinary items | $2,640,000 | 2,255 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,640,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $2,774,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,659,800 | 2,166 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,351,000 | 5,385 |
| Total interest expense | $1,663,000 | 6,666 |
| Net interest income | $3,688,000 | 4,402 |
| Provision for loan and lease losses | $-13,000 | 9,449 |
| Total noninterest income | $1,857,000 | 2,134 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,696,000 | 865 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $161,000 | 5,396 |
| Total noninterest expense | $2,724,000 | 4,662 |
| Salaries and employee benefits | $1,613,000 | 4,282 |
| Premises and equipment expense | $235,000 | 6,282 |
| Additional noninterest expense | $876,000 | 4,485 |
| Pre-tax net operating income | $2,834,000 | 2,399 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $25,000 | 7,184 |
| Income before extraordinary items | $2,809,000 | 1,875 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,809,000 | 1,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $2,793,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,809,000 | 1,801 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,752,000 | 5,227 |
| Total interest expense | $1,959,000 | 6,330 |
| Net interest income | $3,793,000 | 4,363 |
| Provision for loan and lease losses | $86,000 | 5,621 |
| Total noninterest income | $1,607,000 | 2,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,483,000 | 907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 5,915 |
| Total noninterest expense | $2,413,000 | 4,969 |
| Salaries and employee benefits | $1,525,000 | 4,303 |
| Premises and equipment expense | $174,000 | 7,186 |
| Additional noninterest expense | $714,000 | 5,104 |
| Pre-tax net operating income | $2,901,000 | 2,454 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $24,000 | 7,748 |
| Income before extraordinary items | $2,877,000 | 1,811 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,877,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $2,727,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,877,000 | 1,811 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,024,000 | 5,558 |
| Total interest expense | $1,741,000 | 6,476 |
| Net interest income | $3,283,000 | 4,848 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $1,500,000 | 2,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,391,000 | 951 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,428 |
| Total noninterest expense | $2,393,000 | 5,030 |
| Salaries and employee benefits | $1,396,000 | 4,598 |
| Premises and equipment expense | $220,000 | 6,499 |
| Additional noninterest expense | $777,000 | 4,901 |
| Pre-tax net operating income | $2,375,000 | 2,913 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $18,000 | 8,260 |
| Income before extraordinary items | $2,357,000 | 2,220 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,357,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $2,312,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,357,000 | 2,192 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,544,000 | 6,020 |
| Total interest expense | $1,877,000 | 6,400 |
| Net interest income | $2,667,000 | 5,588 |
| Provision for loan and lease losses | $6,000 | 8,399 |
| Total noninterest income | $1,265,000 | 2,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,158,000 | 1,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,480 |
| Total noninterest expense | $1,976,000 | 5,644 |
| Salaries and employee benefits | $1,181,000 | 5,125 |
| Premises and equipment expense | $120,000 | 8,264 |
| Additional noninterest expense | $675,000 | 5,307 |
| Pre-tax net operating income | $1,950,000 | 3,406 |
| Securities gains (losses) | $-75,000 | 10,390 |
| Applicable income taxes | $26,000 | 8,769 |
| Income before extraordinary items | $1,849,000 | 2,737 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,849,000 | 2,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $1,950,000 | 1,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,923,250 | 2,563 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 6,165 |
| Total interest expense | $1,798,000 | 6,692 |
| Net interest income | $2,766,000 | 5,636 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $1,156,000 | 2,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,071,000 | 1,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,227 |
| Total noninterest expense | $1,769,000 | 6,136 |
| Salaries and employee benefits | $1,020,000 | 5,780 |
| Premises and equipment expense | $82,000 | 9,385 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $2,147,000 | 3,313 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,000 | 9,998 |
| Income before extraordinary items | $2,144,000 | 2,423 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,144,000 | 2,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $2,108,000 | 1,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,144,000 | 2,367 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,292,000 | 6,592 |
| Total interest expense | $1,764,000 | 6,922 |
| Net interest income | $2,528,000 | 6,148 |
| Provision for loan and lease losses | $19,000 | 8,051 |
| Total noninterest income | $1,140,000 | 2,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,056,000 | 1,267 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $2,166,000 | 5,605 |
| Salaries and employee benefits | $1,223,000 | 5,111 |
| Premises and equipment expense | $91,000 | 9,522 |
| Additional noninterest expense | $852,000 | 4,948 |
| Pre-tax net operating income | $1,483,000 | 4,376 |
| Securities gains (losses) | $-161,000 | 11,282 |
| Applicable income taxes | $462,000 | 4,417 |
| Income before extraordinary items | $860,000 | 5,027 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $860,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $964,650 | 4,573 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 6,935 |
| Total interest expense | $1,694,000 | 7,153 |
| Net interest income | $2,351,000 | 6,573 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $990,000 | 3,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $923,000 | 1,482 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,479 |
| Total noninterest expense | $1,877,000 | 6,289 |
| Salaries and employee benefits | $1,022,000 | 5,951 |
| Premises and equipment expense | $112,000 | 9,254 |
| Additional noninterest expense | $743,000 | 5,572 |
| Pre-tax net operating income | $1,456,000 | 4,563 |
| Securities gains (losses) | $-345,000 | 11,768 |
| Applicable income taxes | $380,000 | 5,127 |
| Income before extraordinary items | $731,000 | 5,809 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $731,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $958,700 | 4,745 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,911,000 | 6,814 |
| Total interest expense | $1,383,000 | 7,257 |
| Net interest income | $2,528,000 | 6,427 |
| Provision for loan and lease losses | $-217,000 | 12,345 |
| Total noninterest income | $861,000 | 3,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $797,000 | 1,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,924 |
| Total noninterest expense | $1,828,000 | 6,627 |
| Salaries and employee benefits | $971,000 | 6,235 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $722,000 | 6,172 |
| Pre-tax net operating income | $1,778,000 | 3,785 |
| Securities gains (losses) | $-135,000 | 11,727 |
| Applicable income taxes | $436,000 | 4,483 |
| Income before extraordinary items | $1,207,000 | 3,837 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,207,000 | 3,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,305,550 | 3,618 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,917,000 | 6,961 |
| Total interest expense | $1,379,000 | 7,614 |
| Net interest income | $2,538,000 | 6,472 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $740,000 | 4,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $681,000 | 2,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $1,782,000 | 6,940 |
| Salaries and employee benefits | $701,000 | 7,989 |
| Premises and equipment expense | $139,000 | 9,201 |
| Additional noninterest expense | $942,000 | 5,179 |
| Pre-tax net operating income | $1,383,000 | 4,640 |
| Securities gains (losses) | $158,000 | 1,934 |
| Applicable income taxes | $591,000 | 3,654 |
| Income before extraordinary items | $950,000 | 4,883 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $950,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 12,096 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $848,880 | 5,097 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 10,154 |
| Total interest expense | $1,028,000 | 10,276 |
| Net interest income | $1,340,000 | 9,843 |
| Provision for loan and lease losses | $83,000 | 7,797 |
| Total noninterest income | $467,000 | 5,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $419,000 | 3,317 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,179,000 | 9,142 |
| Salaries and employee benefits | $638,000 | 8,474 |
| Premises and equipment expense | $121,000 | 9,986 |
| Additional noninterest expense | $420,000 | 9,333 |
| Pre-tax net operating income | $545,000 | 8,098 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $164,000 | 8,298 |
| Income before extraordinary items | $399,000 | 8,235 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $399,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $386,220 | 8,001 |
* 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.