Home > Lone Star Bank > Income and Expense

Lone Star Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$10,305,000	2,751
Total interest expense	$1,893,000	4,190
Net interest income	$8,412,000	2,304
Provision for loan and lease losses	$592,000	1,903
Total noninterest income	$1,352,000	3,048
Gross Fiduciary activities income	$1,000	1,575
Service charges on deposit accounts	$871,000	1,970
Trading account gains and fees	$16,000	148
Additional Noninterest Income	$464,000	3,705
Total noninterest expense	$6,669,000	2,353
Salaries and employee benefits	$3,792,000	2,246
Premises and equipment expense	$1,165,000	1,954
Additional noninterest expense	$1,712,000	2,742
Pre-tax net operating income	$2,503,000	2,888
Securities gains (losses)	$0	4,500
Applicable income taxes	$865,000	2,396
Income before extraordinary items	$1,638,000	3,330
Extraordinary gains, net	$0	54
Net income	$1,638,000	3,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,719
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,638,000	3,185
2003-09-30 (YTD Data)		Rank
Total interest income	$7,662,000	2,813
Total interest expense	$1,474,000	4,199
Net interest income	$6,188,000	2,365
Provision for loan and lease losses	$292,000	2,566
Total noninterest income	$996,000	3,148
Gross Fiduciary activities income	$1,000	1,533
Service charges on deposit accounts	$649,000	1,994
Trading account gains and fees	$16,000	142
Additional Noninterest Income	$330,000	3,887
Total noninterest expense	$4,906,000	2,405
Salaries and employee benefits	$2,808,000	2,264
Premises and equipment expense	$869,000	1,968
Additional noninterest expense	$1,229,000	2,822
Pre-tax net operating income	$1,986,000	2,871
Securities gains (losses)	$0	4,204
Applicable income taxes	$683,000	2,431
Income before extraordinary items	$1,303,000	3,277
Extraordinary gains, net	$0	40
Net income	$1,303,000	3,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	2,909
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,303,000	3,130
2003-06-30 (YTD Data)		Rank
Total interest income	$5,058,000	2,853
Total interest expense	$1,059,000	4,067
Net interest income	$3,999,000	2,431
Provision for loan and lease losses	$135,000	3,272
Total noninterest income	$626,000	3,240
Gross Fiduciary activities income	$1,000	1,488
Service charges on deposit accounts	$436,000	1,940
Trading account gains and fees	$16,000	135
Additional Noninterest Income	$173,000	4,306
Total noninterest expense	$3,225,000	2,430
Salaries and employee benefits	$1,866,000	2,267
Premises and equipment expense	$575,000	1,989
Additional noninterest expense	$784,000	2,912
Pre-tax net operating income	$1,265,000	2,962
Securities gains (losses)	$0	3,782
Applicable income taxes	$435,000	2,527
Income before extraordinary items	$830,000	3,414
Extraordinary gains, net	$0	30
Net income	$830,000	3,414
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	4,597
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$830,000	3,231
2003-03-31 (YTD Data)		Rank
Total interest income	$2,493,000	2,926
Total interest expense	$544,000	4,084
Net interest income	$1,949,000	2,492
Provision for loan and lease losses	$67,000	3,113
Total noninterest income	$328,000	3,053
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$208,000	1,956
Trading account gains and fees	$9,000	120
Additional Noninterest Income	$111,000	3,746
Total noninterest expense	$1,623,000	2,393
Salaries and employee benefits	$959,000	2,199
Premises and equipment expense	$288,000	1,974
Additional noninterest expense	$376,000	3,009
Pre-tax net operating income	$587,000	3,138
Securities gains (losses)	$0	2,891
Applicable income taxes	$204,000	2,665
Income before extraordinary items	$383,000	3,582
Extraordinary gains, net	$0	21
Net income	$383,000	3,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$383,000	3,409
2002-12-31 (YTD Data)		Rank
Total interest income	$10,123,000	2,986
Total interest expense	$2,277,000	4,406
Net interest income	$7,846,000	2,444
Provision for loan and lease losses	$202,000	4,327
Total noninterest income	$1,048,000	3,373
Gross Fiduciary activities income	$3,000	1,565
Service charges on deposit accounts	$781,000	2,044
Trading account gains and fees	$2,000	145
Additional Noninterest Income	$262,000	4,532
Total noninterest expense	$6,602,000	2,262
Salaries and employee benefits	$3,802,000	2,096
Premises and equipment expense	$1,189,000	1,872
Additional noninterest expense	$1,611,000	2,790
Pre-tax net operating income	$2,090,000	3,328
Securities gains (losses)	$85,000	1,891
Applicable income taxes	$655,000	2,970
Income before extraordinary items	$1,520,000	3,462
Extraordinary gains, net	$0	70
Net income	$1,520,000	3,460
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	4,113
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,460,500	3,469
2001-12-31 (YTD Data)		Rank
Total interest income	$12,225,000	2,768
Total interest expense	$4,509,000	3,444
Net interest income	$7,716,000	2,318
Provision for loan and lease losses	$172,000	4,506
Total noninterest income	$918,000	3,536
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$589,000	2,472
Trading account gains and fees	$0	177
Additional Noninterest Income	$329,000	3,914
Total noninterest expense	$6,262,000	2,283
Salaries and employee benefits	$3,545,000	2,125
Premises and equipment expense	$1,053,000	2,020
Additional noninterest expense	$1,664,000	2,631
Pre-tax net operating income	$2,200,000	2,956
Securities gains (losses)	$0	4,612
Applicable income taxes	$763,000	2,521
Income before extraordinary items	$1,437,000	3,326
Extraordinary gains, net	$0	105
Net income	$1,437,000	3,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-32,000	9,328
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,437,000	3,228
2000-12-31 (YTD Data)		Rank
Total interest income	$12,243,000	2,849
Total interest expense	$5,204,000	3,193
Net interest income	$7,039,000	2,528
Provision for loan and lease losses	$193,000	3,828
Total noninterest income	$741,000	3,848
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$469,000	2,863
Trading account gains and fees	$0	180
Additional Noninterest Income	$272,000	4,127
Total noninterest expense	$5,449,000	2,502
Salaries and employee benefits	$2,928,000	2,444
Premises and equipment expense	$985,000	2,093
Additional noninterest expense	$1,536,000	2,752
Pre-tax net operating income	$2,138,000	3,149
Securities gains (losses)	$3,000	1,519
Applicable income taxes	$740,000	2,666
Income before extraordinary items	$1,401,000	3,431
Extraordinary gains, net	$0	38
Net income	$1,401,000	3,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,507
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,399,050	3,423
1999-12-31 (YTD Data)		Rank
Total interest income	$8,826,000	3,586
Total interest expense	$3,178,000	4,385
Net interest income	$5,648,000	3,073
Provision for loan and lease losses	$272,000	2,889
Total noninterest income	$656,000	4,167
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$382,000	3,337
Trading account gains and fees	$0	173
Additional Noninterest Income	$274,000	4,224
Total noninterest expense	$4,761,000	2,836
Salaries and employee benefits	$2,372,000	2,953
Premises and equipment expense	$975,000	2,099
Additional noninterest expense	$1,414,000	3,008
Pre-tax net operating income	$1,271,000	4,596
Securities gains (losses)	$0	3,155
Applicable income taxes	$442,000	3,900
Income before extraordinary items	$829,000	4,989
Extraordinary gains, net	$0	35
Net income	$829,000	4,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	9,869
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$829,000	4,953
1998-12-31 (YTD Data)		Rank
Total interest income	$6,657,000	4,581
Total interest expense	$2,422,000	5,487
Net interest income	$4,235,000	3,944
Provision for loan and lease losses	$428,000	1,951
Total noninterest income	$503,000	4,910
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$365,000	3,393
Trading account gains and fees	$0	224
Additional Noninterest Income	$138,000	5,890
Total noninterest expense	$3,648,000	3,487
Salaries and employee benefits	$2,080,000	3,211
Premises and equipment expense	$558,000	3,388
Additional noninterest expense	$1,010,000	3,925
Pre-tax net operating income	$662,000	6,634
Securities gains (losses)	$0	4,449
Applicable income taxes	$213,000	6,047
Income before extraordinary items	$449,000	6,922
Extraordinary gains, net	$0	32
Net income	$449,000	6,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,453
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$4,700,000	249
Net operating income	$449,000	6,817
1997-12-31 (YTD Data)		Rank
Total interest income	$4,233,000	6,444
Total interest expense	$1,525,000	7,284
Net interest income	$2,708,000	5,747
Provision for loan and lease losses	$232,000	3,133
Total noninterest income	$394,000	5,781
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$250,000	4,664
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	5,804
Total noninterest expense	$2,755,000	4,397
Salaries and employee benefits	$1,204,000	5,083
Premises and equipment expense	$546,000	3,432
Additional noninterest expense	$1,005,000	3,884
Pre-tax net operating income	$115,000	10,005
Securities gains (losses)	$0	3,944
Applicable income taxes	$76,000	8,804
Income before extraordinary items	$39,000	10,293
Extraordinary gains, net	$0	44
Net income	$39,000	10,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,883
Cash dividends	$15,000	7,671
Sale, conversion, retirement of capital stock, net	$1,300,000	426
Net operating income	$39,000	10,257
1996-12-31 (YTD Data)		Rank
Total interest income	$3,300,000	7,601
Total interest expense	$976,000	9,096
Net interest income	$2,324,000	6,523
Provision for loan and lease losses	$0	9,041
Total noninterest income	$424,000	5,762
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$252,000	4,794
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	5,576
Total noninterest expense	$2,377,000	5,216
Salaries and employee benefits	$1,108,000	5,557
Premises and equipment expense	$371,000	4,824
Additional noninterest expense	$898,000	4,763
Pre-tax net operating income	$371,000	8,683
Securities gains (losses)	$0	4,148
Applicable income taxes	$136,000	8,111
Income before extraordinary items	$235,000	8,957
Extraordinary gains, net	$0	53
Net income	$235,000	8,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,926
Cash dividends	$95,000	6,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$235,000	8,900
1995-12-31 (YTD Data)		Rank
Total interest income	$3,390,000	7,694
Total interest expense	$1,025,000	9,164
Net interest income	$2,365,000	6,548
Provision for loan and lease losses	$0	8,958
Total noninterest income	$505,000	5,142
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$225,000	5,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$280,000	4,166
Total noninterest expense	$2,134,000	5,715
Salaries and employee benefits	$1,061,000	5,759
Premises and equipment expense	$252,000	6,309
Additional noninterest expense	$821,000	5,140
Pre-tax net operating income	$736,000	7,128
Securities gains (losses)	$0	3,831
Applicable income taxes	$204,000	7,346
Income before extraordinary items	$532,000	7,015
Extraordinary gains, net	$0	65
Net income	$532,000	7,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,856
Cash dividends	$181,000	5,715
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$532,000	6,998
1994-12-31 (YTD Data)		Rank
Total interest income	$2,901,000	8,227
Total interest expense	$785,000	9,678
Net interest income	$2,116,000	7,282
Provision for loan and lease losses	$0	9,146
Total noninterest income	$627,000	4,507
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$250,000	5,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$377,000	3,538
Total noninterest expense	$2,355,000	5,438
Salaries and employee benefits	$1,160,000	5,422
Premises and equipment expense	$279,000	6,023
Additional noninterest expense	$916,000	5,097
Pre-tax net operating income	$388,000	9,455
Securities gains (losses)	$73,000	936
Applicable income taxes	$11,000	11,350
Income before extraordinary items	$450,000	7,713
Extraordinary gains, net	$0	249
Net income	$450,000	7,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,873
Cash dividends	$140,000	6,251
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$378,460	8,427
1993-12-31 (YTD Data)		Rank
Total interest income	$2,619,000	8,971
Total interest expense	$699,000	10,592
Net interest income	$1,920,000	7,915
Provision for loan and lease losses	$0	10,371
Total noninterest income	$717,000	4,351
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$254,000	5,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$463,000	3,418
Total noninterest expense	$2,546,000	5,188
Salaries and employee benefits	$1,208,000	5,208
Premises and equipment expense	$347,000	5,271
Additional noninterest expense	$991,000	4,961
Pre-tax net operating income	$91,000	11,918
Securities gains (losses)	$4,000	6,316
Applicable income taxes	$-74,000	12,917
Income before extraordinary items	$169,000	10,987
Extraordinary gains, net	$170,000	1,129
Net income	$339,000	9,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	3,123
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$165,000	10,821
1992-12-31 (YTD Data)		Rank
Total interest income	$2,993,000	8,992
Total interest expense	$946,000	10,636
Net interest income	$2,047,000	7,631
Provision for loan and lease losses	$0	11,756
Total noninterest income	$547,000	5,293
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$258,000	5,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	4,526
Total noninterest expense	$2,402,000	5,483
Salaries and employee benefits	$1,181,000	5,245
Premises and equipment expense	$415,000	4,670
Additional noninterest expense	$806,000	6,036
Pre-tax net operating income	$192,000	11,151
Securities gains (losses)	$25,000	5,285
Applicable income taxes	$22,000	12,047
Income before extraordinary items	$195,000	10,664
Extraordinary gains, net	$54,000	970
Net income	$249,000	10,080
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-93,000	13,702
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$172,500	10,626

* 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.