Home > Partners Bank of Texas > Income and Expense

Partners Bank of Texas, Income and Expense

2006-12-31 (YTD Data)		Rank
Total interest income	$12,361,000	3,007
Total interest expense	$4,393,000	3,348
Net interest income	$7,968,000	2,767
Provision for loan and lease losses	$387,000	2,336
Total noninterest income	$572,000	4,844
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$225,000	4,738
Trading account gains and fees	$0	130
Additional Noninterest Income	$347,000	4,011
Total noninterest expense	$5,386,000	3,145
Salaries and employee benefits	$3,166,000	2,981
Premises and equipment expense	$743,000	3,181
Additional noninterest expense	$1,477,000	3,321
Pre-tax net operating income	$2,767,000	2,932
Securities gains (losses)	$-3,000	6,969
Applicable income taxes	$933,000	2,304
Income before extraordinary items	$1,831,000	3,303
Extraordinary gains, net	$0	51
Net income	$1,831,000	3,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	3,431
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$498,000	609
Net operating income	$1,832,980	3,284
2006-09-30 (YTD Data)		Rank
Total interest income	$9,051,000	3,049
Total interest expense	$3,128,000	3,393
Net interest income	$5,923,000	2,806
Provision for loan and lease losses	$337,000	1,966
Total noninterest income	$442,000	4,803
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$167,000	4,809
Trading account gains and fees	$0	126
Additional Noninterest Income	$275,000	3,900
Total noninterest expense	$3,801,000	3,310
Salaries and employee benefits	$2,254,000	3,114
Premises and equipment expense	$524,000	3,339
Additional noninterest expense	$1,023,000	3,545
Pre-tax net operating income	$2,227,000	2,897
Securities gains (losses)	$-3,000	7,275
Applicable income taxes	$731,000	2,331
Income before extraordinary items	$1,493,000	3,220
Extraordinary gains, net	$0	45
Net income	$1,493,000	3,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	2,628
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,495,010	3,212
2006-06-30 (YTD Data)		Rank
Total interest income	$5,713,000	3,149
Total interest expense	$1,909,000	3,510
Net interest income	$3,804,000	2,916
Provision for loan and lease losses	$255,000	1,728
Total noninterest income	$332,000	4,484
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$105,000	4,917
Trading account gains and fees	$0	126
Additional Noninterest Income	$227,000	3,494
Total noninterest expense	$2,513,000	3,332
Salaries and employee benefits	$1,478,000	3,163
Premises and equipment expense	$334,000	3,458
Additional noninterest expense	$701,000	3,473
Pre-tax net operating income	$1,368,000	3,074
Securities gains (losses)	$-3,000	7,591
Applicable income taxes	$429,000	2,518
Income before extraordinary items	$936,000	3,365
Extraordinary gains, net	$0	39
Net income	$936,000	3,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,763
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$938,070	3,346
2006-03-31 (YTD Data)		Rank
Total interest income	$2,624,000	3,315
Total interest expense	$823,000	3,751
Net interest income	$1,801,000	3,056
Provision for loan and lease losses	$128,000	1,658
Total noninterest income	$133,000	4,967
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$46,000	5,116
Trading account gains and fees	$0	115
Additional Noninterest Income	$87,000	3,969
Total noninterest expense	$1,207,000	3,453
Salaries and employee benefits	$707,000	3,303
Premises and equipment expense	$160,000	3,588
Additional noninterest expense	$340,000	3,523
Pre-tax net operating income	$599,000	3,315
Securities gains (losses)	$0	955
Applicable income taxes	$192,000	2,665
Income before extraordinary items	$407,000	3,668
Extraordinary gains, net	$0	21
Net income	$407,000	3,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$407,000	3,651
2005-12-31 (YTD Data)		Rank
Total interest income	$7,399,000	3,987
Total interest expense	$2,212,000	4,137
Net interest income	$5,187,000	3,847
Provision for loan and lease losses	$653,000	1,526
Total noninterest income	$480,000	5,331
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$164,000	5,447
Trading account gains and fees	$0	138
Additional Noninterest Income	$316,000	4,223
Total noninterest expense	$4,241,000	3,698
Salaries and employee benefits	$2,536,000	3,442
Premises and equipment expense	$542,000	3,947
Additional noninterest expense	$1,163,000	3,944
Pre-tax net operating income	$773,000	5,955
Securities gains (losses)	$0	2,296
Applicable income taxes	$-87,000	8,595
Income before extraordinary items	$860,000	5,184
Extraordinary gains, net	$0	46
Net income	$860,000	5,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,206
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$860,000	5,155
2005-09-30 (YTD Data)		Rank
Total interest income	$5,009,000	4,239
Total interest expense	$1,460,000	4,371
Net interest income	$3,549,000	4,114
Provision for loan and lease losses	$394,000	1,747
Total noninterest income	$314,000	5,671
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$119,000	5,541
Trading account gains and fees	$0	126
Additional Noninterest Income	$195,000	4,652
Total noninterest expense	$2,952,000	3,880
Salaries and employee benefits	$1,820,000	3,541
Premises and equipment expense	$372,000	4,184
Additional noninterest expense	$760,000	4,352
Pre-tax net operating income	$517,000	6,327
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$517,000	5,821
Extraordinary gains, net	$0	35
Net income	$517,000	5,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$517,000	5,790
2005-06-30 (YTD Data)		Rank
Total interest income	$2,942,000	4,568
Total interest expense	$862,000	4,558
Net interest income	$2,080,000	4,500
Provision for loan and lease losses	$192,000	2,222
Total noninterest income	$213,000	5,602
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$69,000	5,752
Trading account gains and fees	$0	116
Additional Noninterest Income	$144,000	4,416
Total noninterest expense	$1,871,000	4,019
Salaries and employee benefits	$1,164,000	3,653
Premises and equipment expense	$228,000	4,405
Additional noninterest expense	$479,000	4,524
Pre-tax net operating income	$230,000	7,019
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$230,000	6,670
Extraordinary gains, net	$0	30
Net income	$230,000	6,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$230,000	6,622
2005-03-31 (YTD Data)		Rank
Total interest income	$1,336,000	4,837
Total interest expense	$382,000	4,806
Net interest income	$954,000	4,770
Provision for loan and lease losses	$107,000	1,919
Total noninterest income	$94,000	5,821
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$19,000	6,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$75,000	4,317
Total noninterest expense	$868,000	4,277
Salaries and employee benefits	$540,000	3,859
Premises and equipment expense	$109,000	4,578
Additional noninterest expense	$219,000	4,774
Pre-tax net operating income	$73,000	7,591
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$73,000	7,368
Extraordinary gains, net	$0	24
Net income	$73,000	7,367
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$73,000	7,335
2004-12-31 (YTD Data)		Rank
Total interest income	$2,822,000	6,603
Total interest expense	$705,000	6,576
Net interest income	$2,117,000	6,469
Provision for loan and lease losses	$412,000	2,311
Total noninterest income	$144,000	7,667
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$25,000	7,607
Trading account gains and fees	$0	138
Additional Noninterest Income	$119,000	6,114
Total noninterest expense	$2,330,000	5,527
Salaries and employee benefits	$1,489,000	4,979
Premises and equipment expense	$231,000	6,396
Additional noninterest expense	$610,000	5,916
Pre-tax net operating income	$-481,000	8,650
Securities gains (losses)	$58,000	1,619
Applicable income taxes	$0	7,185
Income before extraordinary items	$-423,000	8,685
Extraordinary gains, net	$0	34
Net income	$-423,000	8,687
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-481,000	8,686
2004-09-30 (YTD Data)		Rank
Total interest income	$1,715,000	7,122
Total interest expense	$415,000	7,126
Net interest income	$1,300,000	7,009
Provision for loan and lease losses	$290,000	2,324
Total noninterest income	$54,000	8,438
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$15,000	7,705
Trading account gains and fees	$0	134
Additional Noninterest Income	$39,000	7,392
Total noninterest expense	$1,588,000	5,791
Salaries and employee benefits	$1,024,000	5,239
Premises and equipment expense	$160,000	6,586
Additional noninterest expense	$404,000	6,280
Pre-tax net operating income	$-524,000	8,781
Securities gains (losses)	$58,000	1,547
Applicable income taxes	$0	7,220
Income before extraordinary items	$-466,000	8,796
Extraordinary gains, net	$0	26
Net income	$-466,000	8,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-524,000	8,797
2004-06-30 (YTD Data)		Rank
Total interest income	$853,000	7,763
Total interest expense	$180,000	7,938
Net interest income	$673,000	7,582
Provision for loan and lease losses	$171,000	2,503
Total noninterest income	$6,000	8,946
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$6,000	7,847
Trading account gains and fees	$0	130
Additional Noninterest Income	$0	8,943
Total noninterest expense	$974,000	6,077
Salaries and employee benefits	$627,000	5,551
Premises and equipment expense	$100,000	6,777
Additional noninterest expense	$247,000	6,570
Pre-tax net operating income	$-466,000	8,887
Securities gains (losses)	$58,000	1,362
Applicable income taxes	$0	7,214
Income before extraordinary items	$-408,000	8,900
Extraordinary gains, net	$0	21
Net income	$-408,000	8,901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-466,000	8,898
2004-03-31 (YTD Data)		Rank
Total interest income	$311,000	8,307
Total interest expense	$63,000	8,436
Net interest income	$248,000	8,137
Provision for loan and lease losses	$80,000	2,465
Total noninterest income	$6,000	8,907
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$6,000	7,724
Trading account gains and fees	$0	121
Additional Noninterest Income	$0	8,950
Total noninterest expense	$455,000	6,375
Salaries and employee benefits	$285,000	5,888
Premises and equipment expense	$42,000	7,151
Additional noninterest expense	$128,000	6,476
Pre-tax net operating income	$-281,000	8,956
Securities gains (losses)	$22,000	1,655
Applicable income taxes	$0	7,103
Income before extraordinary items	$-259,000	8,974
Extraordinary gains, net	$0	16
Net income	$-259,000	8,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-281,000	8,962
2003-12-31 (YTD Data)		Rank
Total interest income	$63,000	9,129
Total interest expense	$8,000	9,109
Net interest income	$55,000	9,118
Provision for loan and lease losses	$50,000	6,256
Total noninterest income	$0	9,134
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$0	8,063
Trading account gains and fees	$0	160
Additional Noninterest Income	$0	9,041
Total noninterest expense	$559,000	8,744
Salaries and employee benefits	$329,000	8,664
Premises and equipment expense	$44,000	8,852
Additional noninterest expense	$186,000	8,536
Pre-tax net operating income	$-554,000	8,845
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-554,000	8,923
Extraordinary gains, net	$0	54
Net income	$-554,000	8,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$14,400,000	50
Net operating income	$-554,000	8,866

* 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.