Home > First State Bank of Texas > Income and Expense
First State Bank of Texas, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $145,923,000 | 305 |
| Total interest expense | $65,667,000 | 306 |
| Net interest income | $80,256,000 | 291 |
| Provision for loan and lease losses | $2,910,000 | 524 |
| Total noninterest income | $32,018,000 | 289 |
| Gross Fiduciary activities income | $698,000 | 494 |
| Service charges on deposit accounts | $16,311,000 | 131 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $15,009,000 | 343 |
| Total noninterest expense | $83,449,000 | 248 |
| Salaries and employee benefits | $43,748,000 | 199 |
| Premises and equipment expense | $10,783,000 | 246 |
| Additional noninterest expense | $28,918,000 | 280 |
| Pre-tax net operating income | $25,915,000 | 353 |
| Securities gains (losses) | $1,586,000 | 292 |
| Applicable income taxes | $7,622,000 | 404 |
| Income before extraordinary items | $19,879,000 | 327 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $19,879,000 | 326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,967,000 | 579 |
| Cash dividends | $6,200,000 | 515 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $18,737,080 | 330 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $143,014,000 | 327 |
| Total interest expense | $64,246,000 | 351 |
| Net interest income | $78,768,000 | 290 |
| Provision for loan and lease losses | $2,798,000 | 488 |
| Total noninterest income | $21,824,000 | 356 |
| Gross Fiduciary activities income | $645,000 | 523 |
| Service charges on deposit accounts | $13,894,000 | 143 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $7,285,000 | 504 |
| Total noninterest expense | $69,309,000 | 264 |
| Salaries and employee benefits | $35,873,000 | 224 |
| Premises and equipment expense | $9,520,000 | 269 |
| Additional noninterest expense | $23,916,000 | 314 |
| Pre-tax net operating income | $28,485,000 | 344 |
| Securities gains (losses) | $1,046,000 | 156 |
| Applicable income taxes | $9,384,000 | 352 |
| Income before extraordinary items | $20,147,000 | 335 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $20,147,000 | 335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,194,000 | 660 |
| Cash dividends | $8,011,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $19,435,720 | 340 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $88,314,000 | 440 |
| Total interest expense | $37,315,000 | 479 |
| Net interest income | $50,999,000 | 414 |
| Provision for loan and lease losses | $2,026,000 | 557 |
| Total noninterest income | $16,742,000 | 450 |
| Gross Fiduciary activities income | $619,000 | 579 |
| Service charges on deposit accounts | $9,972,000 | 179 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,151,000 | 579 |
| Total noninterest expense | $45,946,000 | 387 |
| Salaries and employee benefits | $23,697,000 | 333 |
| Premises and equipment expense | $7,478,000 | 331 |
| Additional noninterest expense | $14,771,000 | 449 |
| Pre-tax net operating income | $19,769,000 | 489 |
| Securities gains (losses) | $320,000 | 433 |
| Applicable income taxes | $5,857,000 | 542 |
| Income before extraordinary items | $14,232,000 | 467 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $14,232,000 | 467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $878,000 | 774 |
| Cash dividends | $5,200,000 | 635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $14,004,800 | 465 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $79,962,000 | 480 |
| Total interest expense | $33,481,000 | 530 |
| Net interest income | $46,481,000 | 427 |
| Provision for loan and lease losses | $1,033,000 | 944 |
| Total noninterest income | $14,796,000 | 460 |
| Gross Fiduciary activities income | $630,000 | 565 |
| Service charges on deposit accounts | $8,774,000 | 181 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $5,392,000 | 610 |
| Total noninterest expense | $41,208,000 | 416 |
| Salaries and employee benefits | $21,675,000 | 346 |
| Premises and equipment expense | $6,550,000 | 349 |
| Additional noninterest expense | $12,983,000 | 490 |
| Pre-tax net operating income | $19,036,000 | 456 |
| Securities gains (losses) | $1,715,000 | 262 |
| Applicable income taxes | $5,679,000 | 521 |
| Income before extraordinary items | $15,072,000 | 416 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,072,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,429 |
| Cash dividends | $12,000,000 | 329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $13,820,050 | 424 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $71,870,000 | 521 |
| Total interest expense | $28,179,000 | 606 |
| Net interest income | $43,691,000 | 449 |
| Provision for loan and lease losses | $829,000 | 1,147 |
| Total noninterest income | $13,363,000 | 463 |
| Gross Fiduciary activities income | $556,000 | 613 |
| Service charges on deposit accounts | $7,156,000 | 216 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,651,000 | 565 |
| Total noninterest expense | $37,153,000 | 424 |
| Salaries and employee benefits | $19,823,000 | 357 |
| Premises and equipment expense | $5,916,000 | 371 |
| Additional noninterest expense | $11,414,000 | 521 |
| Pre-tax net operating income | $19,072,000 | 477 |
| Securities gains (losses) | $380,000 | 497 |
| Applicable income taxes | $6,083,000 | 532 |
| Income before extraordinary items | $13,369,000 | 464 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $13,369,000 | 465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,018,000 | 800 |
| Cash dividends | $10,103,000 | 360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $13,106,800 | 454 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $38,530,000 | 907 |
| Total interest expense | $14,523,000 | 1,125 |
| Net interest income | $24,007,000 | 779 |
| Provision for loan and lease losses | $654,000 | 1,404 |
| Total noninterest income | $7,944,000 | 689 |
| Gross Fiduciary activities income | $526,000 | 689 |
| Service charges on deposit accounts | $4,033,000 | 377 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,385,000 | 820 |
| Total noninterest expense | $20,758,000 | 762 |
| Salaries and employee benefits | $11,345,000 | 617 |
| Premises and equipment expense | $3,159,000 | 714 |
| Additional noninterest expense | $6,254,000 | 965 |
| Pre-tax net operating income | $10,539,000 | 757 |
| Securities gains (losses) | $-26,000 | 10,772 |
| Applicable income taxes | $3,547,000 | 766 |
| Income before extraordinary items | $6,966,000 | 782 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,966,000 | 783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,983 |
| Cash dividends | $3,462,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,983,160 | 760 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $31,405,000 | 1,123 |
| Total interest expense | $12,664,000 | 1,312 |
| Net interest income | $18,741,000 | 986 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $6,757,000 | 783 |
| Gross Fiduciary activities income | $509,000 | 733 |
| Service charges on deposit accounts | $3,744,000 | 410 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,504,000 | 992 |
| Total noninterest expense | $16,721,000 | 915 |
| Salaries and employee benefits | $8,859,000 | 793 |
| Premises and equipment expense | $2,435,000 | 897 |
| Additional noninterest expense | $5,427,000 | 1,050 |
| Pre-tax net operating income | $8,727,000 | 922 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $2,700,000 | 991 |
| Income before extraordinary items | $6,019,000 | 910 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,019,000 | 909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,457 |
| Cash dividends | $7,550,000 | 471 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,024,520 | 902 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,764,000 | 1,267 |
| Total interest expense | $8,901,000 | 1,459 |
| Net interest income | $15,863,000 | 1,151 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $5,914,000 | 821 |
| Gross Fiduciary activities income | $450,000 | 767 |
| Service charges on deposit accounts | $3,751,000 | 412 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,713,000 | 1,256 |
| Total noninterest expense | $14,581,000 | 1,036 |
| Salaries and employee benefits | $7,334,000 | 930 |
| Premises and equipment expense | $2,129,000 | 1,002 |
| Additional noninterest expense | $5,118,000 | 1,150 |
| Pre-tax net operating income | $7,076,000 | 1,072 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $2,162,000 | 1,122 |
| Income before extraordinary items | $4,906,000 | 1,033 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,906,000 | 1,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,355 |
| Cash dividends | $2,000,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,911,520 | 1,045 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $22,964,000 | 1,386 |
| Total interest expense | $8,858,000 | 1,508 |
| Net interest income | $14,106,000 | 1,277 |
| Provision for loan and lease losses | $1,721,000 | 893 |
| Total noninterest income | $7,863,000 | 715 |
| Gross Fiduciary activities income | $550,000 | 726 |
| Service charges on deposit accounts | $2,828,000 | 498 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,485,000 | 734 |
| Total noninterest expense | $13,730,000 | 1,143 |
| Salaries and employee benefits | $6,189,000 | 1,104 |
| Premises and equipment expense | $1,548,000 | 1,377 |
| Additional noninterest expense | $5,993,000 | 1,100 |
| Pre-tax net operating income | $6,518,000 | 1,079 |
| Securities gains (losses) | $387,000 | 1,081 |
| Applicable income taxes | $2,010,000 | 1,208 |
| Income before extraordinary items | $4,895,000 | 1,060 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,895,000 | 1,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,203,000 | 1,008 |
| Cash dividends | $9,686,000 | 298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,620,230 | 1,047 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,268,000 | 1,507 |
| Total interest expense | $11,005,000 | 1,588 |
| Net interest income | $13,263,000 | 1,395 |
| Provision for loan and lease losses | $666,000 | 2,460 |
| Total noninterest income | $4,573,000 | 1,052 |
| Gross Fiduciary activities income | $481,000 | 775 |
| Service charges on deposit accounts | $2,596,000 | 533 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,496,000 | 1,525 |
| Total noninterest expense | $11,652,000 | 1,357 |
| Salaries and employee benefits | $5,416,000 | 1,234 |
| Premises and equipment expense | $1,745,000 | 1,260 |
| Additional noninterest expense | $4,491,000 | 1,466 |
| Pre-tax net operating income | $5,518,000 | 1,172 |
| Securities gains (losses) | $2,311,000 | 364 |
| Applicable income taxes | $1,861,000 | 1,191 |
| Income before extraordinary items | $5,968,000 | 805 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,968,000 | 804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,659,000 | 799 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,211,640 | 1,029 |
* 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.