Home > Texas Bank and Trust > Income and Expense
Texas Bank and Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,202,000 | 4,928 |
| Total interest expense | $2,939,000 | 4,808 |
| Net interest income | $3,263,000 | 4,985 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $235,000 | 7,404 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $164,000 | 5,915 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $71,000 | 7,666 |
| Total noninterest expense | $1,950,000 | 5,750 |
| Salaries and employee benefits | $948,000 | 6,065 |
| Premises and equipment expense | $487,000 | 3,797 |
| Additional noninterest expense | $515,000 | 6,382 |
| Pre-tax net operating income | $1,548,000 | 4,378 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $504,000 | 4,189 |
| Income before extraordinary items | $1,044,000 | 4,539 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,044,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $370,000 | 4,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,044,000 | 4,482 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,347,000 | 4,965 |
| Total interest expense | $3,086,000 | 4,664 |
| Net interest income | $3,261,000 | 5,116 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $192,000 | 8,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $1,912,000 | 6,134 |
| Salaries and employee benefits | $955,000 | 6,196 |
| Premises and equipment expense | $486,000 | 3,863 |
| Additional noninterest expense | $471,000 | 7,289 |
| Pre-tax net operating income | $1,541,000 | 4,245 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $501,000 | 4,139 |
| Income before extraordinary items | $1,081,000 | 4,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,081,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $435,000 | 3,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,053,120 | 4,242 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,841,000 | 8,449 |
| Total interest expense | $1,393,000 | 7,998 |
| Net interest income | $1,448,000 | 8,677 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $145,000 | 9,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 9,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,354 |
| Total noninterest expense | $967,000 | 9,093 |
| Salaries and employee benefits | $435,000 | 9,659 |
| Premises and equipment expense | $220,000 | 6,832 |
| Additional noninterest expense | $312,000 | 9,124 |
| Pre-tax net operating income | $626,000 | 7,730 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $213,000 | 7,202 |
| Income before extraordinary items | $413,000 | 7,938 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $413,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $235,000 | 5,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $413,000 | 7,904 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,261,000 | 6,402 |
| Total interest expense | $1,845,000 | 5,960 |
| Net interest income | $2,416,000 | 6,630 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $1,699,000 | 6,991 |
| Salaries and employee benefits | $745,000 | 7,558 |
| Premises and equipment expense | $388,000 | 4,708 |
| Additional noninterest expense | $566,000 | 7,289 |
| Pre-tax net operating income | $857,000 | 6,596 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-433,000 | 12,468 |
| Income before extraordinary items | $1,290,000 | 3,616 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,290,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,861 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,290,000 | 3,654 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,932,000 | 6,945 |
| Total interest expense | $1,733,000 | 6,526 |
| Net interest income | $2,199,000 | 7,188 |
| Provision for loan and lease losses | $-150,000 | 12,974 |
| Total noninterest income | $137,000 | 10,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 8,183 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $1,926,000 | 6,539 |
| Salaries and employee benefits | $695,000 | 8,025 |
| Premises and equipment expense | $417,000 | 4,563 |
| Additional noninterest expense | $814,000 | 5,844 |
| Pre-tax net operating income | $560,000 | 8,226 |
| Securities gains (losses) | $529,000 | 864 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $1,064,000 | 4,447 |
| Extraordinary gains, net | $256,000 | 822 |
| Net income | $1,320,000 | 3,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 12,713 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $545,580 | 6,935 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,598,000 | 8,041 |
| Total interest expense | $1,650,000 | 8,049 |
| Net interest income | $1,948,000 | 7,899 |
| Provision for loan and lease losses | $-150,000 | 13,766 |
| Total noninterest income | $193,000 | 9,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $1,955,000 | 6,496 |
| Salaries and employee benefits | $641,000 | 8,443 |
| Premises and equipment expense | $434,000 | 4,484 |
| Additional noninterest expense | $880,000 | 5,629 |
| Pre-tax net operating income | $336,000 | 9,809 |
| Securities gains (losses) | $414,000 | 1,250 |
| Applicable income taxes | $255,000 | 6,577 |
| Income before extraordinary items | $495,000 | 7,379 |
| Extraordinary gains, net | $255,000 | 351 |
| Net income | $750,000 | 5,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 482 |
| Net operating income | $221,760 | 9,957 |
* 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.