Home > Guardian Bank of Houston > Income and Expense
Guardian Bank of Houston, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,894,000 | 4,282 |
| Total interest expense | $1,825,000 | 6,002 |
| Net interest income | $5,069,000 | 3,512 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $1,197,000 | 2,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $774,000 | 1,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $423,000 | 3,295 |
| Total noninterest expense | $4,039,000 | 3,402 |
| Salaries and employee benefits | $2,108,000 | 3,122 |
| Premises and equipment expense | $529,000 | 3,619 |
| Additional noninterest expense | $1,402,000 | 3,525 |
| Pre-tax net operating income | $2,182,000 | 3,199 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $645,000 | 3,313 |
| Income before extraordinary items | $1,537,000 | 3,111 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,537,000 | 3,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $1,212,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,537,000 | 3,132 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,707,000 | 4,485 |
| Total interest expense | $1,806,000 | 6,320 |
| Net interest income | $4,901,000 | 3,634 |
| Provision for loan and lease losses | $67,000 | 6,741 |
| Total noninterest income | $1,183,000 | 2,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $744,000 | 1,842 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $439,000 | 3,546 |
| Total noninterest expense | $4,433,000 | 3,163 |
| Salaries and employee benefits | $1,764,000 | 3,679 |
| Premises and equipment expense | $557,000 | 3,540 |
| Additional noninterest expense | $2,112,000 | 2,601 |
| Pre-tax net operating income | $1,584,000 | 4,111 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $473,000 | 4,381 |
| Income before extraordinary items | $1,117,000 | 4,268 |
| Extraordinary gains, net | $130,000 | 1,350 |
| Net income | $1,247,000 | 3,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $633,000 | 2,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,112,800 | 4,065 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,045,000 | 4,798 |
| Total interest expense | $2,240,000 | 6,534 |
| Net interest income | $4,805,000 | 3,785 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $1,159,000 | 2,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $762,000 | 1,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $397,000 | 3,726 |
| Total noninterest expense | $3,633,000 | 3,808 |
| Salaries and employee benefits | $1,740,000 | 3,674 |
| Premises and equipment expense | $520,000 | 3,832 |
| Additional noninterest expense | $1,373,000 | 3,867 |
| Pre-tax net operating income | $2,191,000 | 2,851 |
| Securities gains (losses) | $121,000 | 2,709 |
| Applicable income taxes | $728,000 | 2,849 |
| Income before extraordinary items | $1,584,000 | 2,906 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,584,000 | 2,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 13,514 |
| Cash dividends | $698,000 | 2,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,500,510 | 2,845 |
* 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.