Home > Houston Commercial Bank > Income and Expense
Houston Commercial Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 7,457 |
| Total interest expense | $302,000 | 8,227 |
| Net interest income | $1,335,000 | 6,973 |
| Provision for loan and lease losses | $72,000 | 5,277 |
| Total noninterest income | $110,000 | 7,899 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $45,000 | 7,328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 6,817 |
| Total noninterest expense | $1,081,000 | 7,003 |
| Salaries and employee benefits | $698,000 | 6,477 |
| Premises and equipment expense | $95,000 | 7,730 |
| Additional noninterest expense | $288,000 | 7,249 |
| Pre-tax net operating income | $292,000 | 7,215 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $99,000 | 5,577 |
| Income before extraordinary items | $193,000 | 7,625 |
| Extraordinary gains, net | $99,000 | 15 |
| Net income | $292,000 | 6,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $193,000 | 7,478 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 7,556 |
| Total interest expense | $201,000 | 8,324 |
| Net interest income | $862,000 | 7,075 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $78,000 | 7,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $709,000 | 7,053 |
| Salaries and employee benefits | $452,000 | 6,590 |
| Premises and equipment expense | $60,000 | 7,826 |
| Additional noninterest expense | $197,000 | 7,180 |
| Pre-tax net operating income | $183,000 | 7,355 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $62,000 | 5,689 |
| Income before extraordinary items | $121,000 | 7,742 |
| Extraordinary gains, net | $62,000 | 11 |
| Net income | $183,000 | 7,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $121,000 | 7,562 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $484,000 | 7,818 |
| Total interest expense | $100,000 | 8,430 |
| Net interest income | $384,000 | 7,386 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $38,000 | 7,830 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $355,000 | 7,080 |
| Salaries and employee benefits | $218,000 | 6,718 |
| Premises and equipment expense | $30,000 | 7,859 |
| Additional noninterest expense | $107,000 | 6,979 |
| Pre-tax net operating income | $43,000 | 8,097 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $43,000 | 8,035 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $43,000 | 8,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $43,000 | 7,885 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,757,000 | 8,119 |
| Total interest expense | $384,000 | 8,703 |
| Net interest income | $1,373,000 | 7,633 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $72,000 | 8,725 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $39,000 | 7,698 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,000 | 8,097 |
| Total noninterest expense | $1,364,000 | 7,126 |
| Salaries and employee benefits | $857,000 | 6,672 |
| Premises and equipment expense | $123,000 | 7,844 |
| Additional noninterest expense | $384,000 | 7,260 |
| Pre-tax net operating income | $-99,000 | 8,761 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-99,000 | 8,834 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-99,000 | 8,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-99,000 | 8,776 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $875,000 | 9,234 |
| Total interest expense | $266,000 | 9,322 |
| Net interest income | $609,000 | 9,023 |
| Provision for loan and lease losses | $116,000 | 5,357 |
| Total noninterest income | $67,000 | 8,951 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $14,000 | 8,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $53,000 | 7,596 |
| Total noninterest expense | $1,269,000 | 7,289 |
| Salaries and employee benefits | $760,000 | 6,942 |
| Premises and equipment expense | $116,000 | 8,058 |
| Additional noninterest expense | $393,000 | 7,204 |
| Pre-tax net operating income | $-709,000 | 9,249 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-709,000 | 9,312 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-709,000 | 9,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 145 |
| Net operating income | $-709,000 | 9,284 |
* 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.