Home > Houston Commerce Bank > Income and Expense
Houston Commerce Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,646,000 | 4,093 |
| Total interest expense | $2,615,000 | 5,202 |
| Net interest income | $5,031,000 | 3,366 |
| Provision for loan and lease losses | $340,000 | 2,360 |
| Total noninterest income | $1,219,000 | 2,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $906,000 | 1,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 3,928 |
| Total noninterest expense | $4,183,000 | 3,099 |
| Salaries and employee benefits | $2,141,000 | 3,134 |
| Premises and equipment expense | $940,000 | 2,069 |
| Additional noninterest expense | $1,102,000 | 3,617 |
| Pre-tax net operating income | $1,727,000 | 3,759 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $730,000 | 2,935 |
| Income before extraordinary items | $997,000 | 4,543 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $997,000 | 4,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $412,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $997,000 | 4,436 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,361,000 | 4,844 |
| Total interest expense | $2,180,000 | 5,919 |
| Net interest income | $4,181,000 | 4,075 |
| Provision for loan and lease losses | $79,000 | 5,693 |
| Total noninterest income | $1,288,000 | 2,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,027,000 | 1,243 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,266 |
| Total noninterest expense | $3,629,000 | 3,492 |
| Salaries and employee benefits | $1,863,000 | 3,524 |
| Premises and equipment expense | $656,000 | 2,909 |
| Additional noninterest expense | $1,110,000 | 3,574 |
| Pre-tax net operating income | $1,761,000 | 3,930 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $558,000 | 3,887 |
| Income before extraordinary items | $1,203,000 | 4,046 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,203,000 | 4,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,790 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,203,000 | 3,985 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,080,000 | 5,867 |
| Total interest expense | $1,698,000 | 7,084 |
| Net interest income | $3,382,000 | 4,976 |
| Provision for loan and lease losses | $53,000 | 6,487 |
| Total noninterest income | $1,413,000 | 2,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,052,000 | 1,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $361,000 | 3,617 |
| Total noninterest expense | $3,335,000 | 3,959 |
| Salaries and employee benefits | $1,716,000 | 3,828 |
| Premises and equipment expense | $706,000 | 2,770 |
| Additional noninterest expense | $913,000 | 4,704 |
| Pre-tax net operating income | $1,407,000 | 4,565 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $506,000 | 4,109 |
| Income before extraordinary items | $901,000 | 4,869 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $901,000 | 4,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,441 |
| Cash dividends | $497,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 423 |
| Net operating income | $901,000 | 4,813 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,365,000 | 6,605 |
| Total interest expense | $1,287,000 | 8,322 |
| Net interest income | $3,078,000 | 5,387 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,289,000 | 2,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,078,000 | 1,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 4,973 |
| Total noninterest expense | $3,282,000 | 3,966 |
| Salaries and employee benefits | $1,665,000 | 3,898 |
| Premises and equipment expense | $718,000 | 2,749 |
| Additional noninterest expense | $899,000 | 4,777 |
| Pre-tax net operating income | $1,085,000 | 5,651 |
| Securities gains (losses) | $144,000 | 795 |
| Applicable income taxes | $420,000 | 4,777 |
| Income before extraordinary items | $809,000 | 5,406 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $809,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,213 |
| Cash dividends | $496,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $713,960 | 5,886 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,820,000 | 6,932 |
| Total interest expense | $977,000 | 8,793 |
| Net interest income | $2,843,000 | 5,846 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $1,410,000 | 2,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,059,000 | 1,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $351,000 | 3,713 |
| Total noninterest expense | $3,182,000 | 4,193 |
| Salaries and employee benefits | $1,620,000 | 3,985 |
| Premises and equipment expense | $573,000 | 3,407 |
| Additional noninterest expense | $989,000 | 4,746 |
| Pre-tax net operating income | $901,000 | 6,396 |
| Securities gains (losses) | $-31,000 | 10,677 |
| Applicable income taxes | $295,000 | 5,938 |
| Income before extraordinary items | $575,000 | 6,728 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $575,000 | 6,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $394,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $595,460 | 6,645 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 7,364 |
| Total interest expense | $950,000 | 9,335 |
| Net interest income | $2,678,000 | 6,204 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $1,325,000 | 2,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,084,000 | 1,246 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $241,000 | 5,104 |
| Total noninterest expense | $3,121,000 | 4,362 |
| Salaries and employee benefits | $1,593,000 | 4,044 |
| Premises and equipment expense | $520,000 | 3,731 |
| Additional noninterest expense | $1,008,000 | 4,890 |
| Pre-tax net operating income | $842,000 | 6,613 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $285,000 | 6,264 |
| Income before extraordinary items | $557,000 | 7,104 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $557,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,560 |
| Cash dividends | $267,000 | 4,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $557,000 | 6,842 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,969,000 | 7,549 |
| Total interest expense | $1,276,000 | 9,335 |
| Net interest income | $2,693,000 | 6,222 |
| Provision for loan and lease losses | $195,000 | 5,287 |
| Total noninterest income | $1,362,000 | 2,578 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,095,000 | 1,216 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,754 |
| Total noninterest expense | $3,275,000 | 4,185 |
| Salaries and employee benefits | $1,685,000 | 3,797 |
| Premises and equipment expense | $497,000 | 3,991 |
| Additional noninterest expense | $1,093,000 | 4,710 |
| Pre-tax net operating income | $585,000 | 7,823 |
| Securities gains (losses) | $155,000 | 2,378 |
| Applicable income taxes | $248,000 | 6,693 |
| Income before extraordinary items | $492,000 | 7,407 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $492,000 | 7,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 4,574 |
| Cash dividends | $272,000 | 4,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $389,700 | 7,964 |
* 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.