Katy Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,910,000 | 7,643 |
| Total interest expense | $468,000 | 7,852 |
| Net interest income | $1,442,000 | 7,449 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $604,000 | 4,949 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $514,000 | 3,023 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $90,000 | 6,702 |
| Total noninterest expense | $1,883,000 | 6,193 |
| Salaries and employee benefits | $954,000 | 6,428 |
| Premises and equipment expense | $331,000 | 5,355 |
| Additional noninterest expense | $598,000 | 6,000 |
| Pre-tax net operating income | $103,000 | 8,192 |
| Securities gains (losses) | $179,000 | 1,416 |
| Applicable income taxes | $86,000 | 5,872 |
| Income before extraordinary items | $196,000 | 7,787 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $196,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,820 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $70,700 | 8,277 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 7,737 |
| Total interest expense | $362,000 | 7,950 |
| Net interest income | $1,073,000 | 7,516 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $450,000 | 5,016 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $377,000 | 3,087 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $73,000 | 6,631 |
| Total noninterest expense | $1,462,000 | 6,044 |
| Salaries and employee benefits | $738,000 | 6,302 |
| Premises and equipment expense | $262,000 | 5,168 |
| Additional noninterest expense | $462,000 | 5,888 |
| Pre-tax net operating income | $31,000 | 8,528 |
| Securities gains (losses) | $154,000 | 1,405 |
| Applicable income taxes | $58,000 | 6,101 |
| Income before extraordinary items | $127,000 | 8,059 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $127,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,759 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $20,740 | 8,553 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $962,000 | 7,786 |
| Total interest expense | $248,000 | 8,022 |
| Net interest income | $714,000 | 7,540 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $287,000 | 5,115 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $243,000 | 3,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $984,000 | 6,041 |
| Salaries and employee benefits | $494,000 | 6,308 |
| Premises and equipment expense | $176,000 | 5,120 |
| Additional noninterest expense | $314,000 | 5,826 |
| Pre-tax net operating income | $7,000 | 8,624 |
| Securities gains (losses) | $86,000 | 1,623 |
| Applicable income taxes | $19,000 | 6,636 |
| Income before extraordinary items | $74,000 | 8,194 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $74,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,795 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,200 | 8,617 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $481,000 | 7,832 |
| Total interest expense | $123,000 | 8,135 |
| Net interest income | $358,000 | 7,557 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $149,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 2,900 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 7,007 |
| Total noninterest expense | $471,000 | 6,201 |
| Salaries and employee benefits | $248,000 | 6,282 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $153,000 | 5,860 |
| Pre-tax net operating income | $36,000 | 8,212 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $8,000 | 6,684 |
| Income before extraordinary items | $28,000 | 8,320 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $28,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,905 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $28,000 | 8,193 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,863,000 | 8,008 |
| Total interest expense | $363,000 | 8,755 |
| Net interest income | $1,500,000 | 7,435 |
| Provision for loan and lease losses | $158,000 | 4,829 |
| Total noninterest income | $504,000 | 5,192 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $407,000 | 3,498 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $1,784,000 | 6,291 |
| Salaries and employee benefits | $937,000 | 6,369 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $576,000 | 6,078 |
| Pre-tax net operating income | $62,000 | 8,432 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $12,000 | 7,232 |
| Income before extraordinary items | $50,000 | 8,551 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $50,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,693 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $50,000 | 8,468 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,179,000 | 8,040 |
| Total interest expense | $635,000 | 8,757 |
| Net interest income | $1,544,000 | 7,250 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $446,000 | 5,390 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $380,000 | 3,548 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $66,000 | 7,230 |
| Total noninterest expense | $1,829,000 | 6,073 |
| Salaries and employee benefits | $840,000 | 6,613 |
| Premises and equipment expense | $278,000 | 5,763 |
| Additional noninterest expense | $711,000 | 5,228 |
| Pre-tax net operating income | $141,000 | 8,132 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $26,000 | 7,163 |
| Income before extraordinary items | $133,000 | 8,138 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $133,000 | 8,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,371 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $117,880 | 8,117 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,276,000 | 8,149 |
| Total interest expense | $571,000 | 9,106 |
| Net interest income | $1,705,000 | 7,109 |
| Provision for loan and lease losses | $69,000 | 6,019 |
| Total noninterest income | $405,000 | 5,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 6,893 |
| Total noninterest expense | $1,625,000 | 6,429 |
| Salaries and employee benefits | $787,000 | 6,793 |
| Premises and equipment expense | $248,000 | 6,081 |
| Additional noninterest expense | $590,000 | 5,854 |
| Pre-tax net operating income | $416,000 | 7,388 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $130,000 | 6,160 |
| Income before extraordinary items | $286,000 | 7,553 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $286,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $115,000 | 5,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $286,000 | 7,559 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,750,000 | 8,769 |
| Total interest expense | $580,000 | 9,262 |
| Net interest income | $1,170,000 | 8,261 |
| Provision for loan and lease losses | $113,000 | 4,987 |
| Total noninterest income | $299,000 | 6,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,065 |
| Total noninterest expense | $1,380,000 | 7,090 |
| Salaries and employee benefits | $711,000 | 7,182 |
| Premises and equipment expense | $235,000 | 6,258 |
| Additional noninterest expense | $434,000 | 7,016 |
| Pre-tax net operating income | $-24,000 | 9,458 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-32,000 | 9,766 |
| Income before extraordinary items | $8,000 | 9,417 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,000 | 9,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,073 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,000 | 9,389 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 9,635 |
| Total interest expense | $360,000 | 9,959 |
| Net interest income | $854,000 | 9,126 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $287,000 | 6,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,640 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,232 |
| Total noninterest expense | $829,000 | 8,677 |
| Salaries and employee benefits | $438,000 | 8,719 |
| Premises and equipment expense | $118,000 | 8,318 |
| Additional noninterest expense | $273,000 | 8,378 |
| Pre-tax net operating income | $288,000 | 8,468 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $84,000 | 7,768 |
| Income before extraordinary items | $204,000 | 8,591 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $204,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $175,000 | 5,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $204,000 | 8,517 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 10,290 |
| Total interest expense | $297,000 | 10,516 |
| Net interest income | $723,000 | 9,875 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $310,000 | 6,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,534 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,389 |
| Total noninterest expense | $715,000 | 9,350 |
| Salaries and employee benefits | $316,000 | 9,833 |
| Premises and equipment expense | $121,000 | 8,469 |
| Additional noninterest expense | $278,000 | 8,552 |
| Pre-tax net operating income | $306,000 | 8,966 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $93,000 | 8,518 |
| Income before extraordinary items | $213,000 | 9,045 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $213,000 | 9,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $213,000 | 5,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $213,000 | 9,006 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $771,000 | 11,050 |
| Total interest expense | $200,000 | 11,230 |
| Net interest income | $571,000 | 10,729 |
| Provision for loan and lease losses | $17,000 | 8,136 |
| Total noninterest income | $288,000 | 7,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,801 |
| Total noninterest expense | $701,000 | 9,814 |
| Salaries and employee benefits | $322,000 | 10,155 |
| Premises and equipment expense | $106,000 | 9,125 |
| Additional noninterest expense | $273,000 | 9,162 |
| Pre-tax net operating income | $141,000 | 10,136 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $39,000 | 9,889 |
| Income before extraordinary items | $102,000 | 10,200 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $102,000 | 10,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $102,000 | 10,149 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 11,606 |
| Total interest expense | $200,000 | 11,754 |
| Net interest income | $524,000 | 11,345 |
| Provision for loan and lease losses | $5,000 | 8,671 |
| Total noninterest income | $372,000 | 6,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,472 |
| Total noninterest expense | $670,000 | 10,297 |
| Salaries and employee benefits | $220,000 | 11,365 |
| Premises and equipment expense | $102,000 | 9,565 |
| Additional noninterest expense | $348,000 | 8,711 |
| Pre-tax net operating income | $221,000 | 10,314 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $71,000 | 9,770 |
| Income before extraordinary items | $150,000 | 10,463 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $150,000 | 10,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $150,000 | 10,436 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $830,000 | 12,022 |
| Total interest expense | $178,000 | 12,388 |
| Net interest income | $652,000 | 11,546 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $388,000 | 6,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,350 |
| Total noninterest expense | $743,000 | 10,507 |
| Salaries and employee benefits | $187,000 | 12,151 |
| Premises and equipment expense | $93,000 | 10,249 |
| Additional noninterest expense | $463,000 | 8,210 |
| Pre-tax net operating income | $282,000 | 10,266 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $132,000 | 8,674 |
| Income before extraordinary items | $150,000 | 10,820 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $150,000 | 10,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $150,000 | 10,872 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $791,000 | 12,691 |
| Total interest expense | $175,000 | 13,060 |
| Net interest income | $616,000 | 12,173 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $397,000 | 6,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $626,000 | 11,513 |
| Salaries and employee benefits | $169,000 | 12,862 |
| Premises and equipment expense | $85,000 | 10,978 |
| Additional noninterest expense | $372,000 | 9,572 |
| Pre-tax net operating income | $379,000 | 9,589 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $133,000 | 9,018 |
| Income before extraordinary items | $250,000 | 10,045 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $250,000 | 10,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $247,400 | 9,833 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $812,000 | 13,339 |
| Total interest expense | $227,000 | 13,663 |
| Net interest income | $585,000 | 12,774 |
| Provision for loan and lease losses | $16,000 | 10,806 |
| Total noninterest income | $356,000 | 7,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 4,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $519,000 | 12,533 |
| Salaries and employee benefits | $156,000 | 13,514 |
| Premises and equipment expense | $84,000 | 11,345 |
| Additional noninterest expense | $279,000 | 11,138 |
| Pre-tax net operating income | $406,000 | 9,185 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $154,000 | 8,513 |
| Income before extraordinary items | $255,000 | 9,851 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $255,000 | 9,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $253,080 | 9,514 |
* 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.