Home > Texas Central Bank > Income and Expense
Texas Central Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,054,000 | 4,369 |
| Total interest expense | $2,382,000 | 5,552 |
| Net interest income | $4,672,000 | 3,625 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $716,000 | 3,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $524,000 | 2,451 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,065 |
| Total noninterest expense | $3,860,000 | 3,318 |
| Salaries and employee benefits | $2,165,000 | 3,094 |
| Premises and equipment expense | $683,000 | 2,824 |
| Additional noninterest expense | $1,012,000 | 3,919 |
| Pre-tax net operating income | $1,528,000 | 4,132 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $126,000 | 7,158 |
| Income before extraordinary items | $1,402,000 | 3,436 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,402,000 | 3,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,228 |
| Cash dividends | $342,000 | 4,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,402,000 | 3,339 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 5,203 |
| Total interest expense | $1,850,000 | 6,558 |
| Net interest income | $3,925,000 | 4,302 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $695,000 | 3,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 4,977 |
| Total noninterest expense | $3,283,000 | 3,810 |
| Salaries and employee benefits | $1,821,000 | 3,602 |
| Premises and equipment expense | $465,000 | 3,944 |
| Additional noninterest expense | $997,000 | 3,920 |
| Pre-tax net operating income | $1,337,000 | 4,871 |
| Securities gains (losses) | $-123,000 | 10,798 |
| Applicable income taxes | $300,000 | 5,716 |
| Income before extraordinary items | $914,000 | 5,003 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $914,000 | 5,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $553,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 891 |
| Net operating income | $1,006,250 | 4,610 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,588,000 | 6,308 |
| Total interest expense | $1,432,000 | 7,754 |
| Net interest income | $3,156,000 | 5,242 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $609,000 | 4,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,254 |
| Total noninterest expense | $2,731,000 | 4,661 |
| Salaries and employee benefits | $1,565,000 | 4,156 |
| Premises and equipment expense | $315,000 | 5,388 |
| Additional noninterest expense | $851,000 | 4,953 |
| Pre-tax net operating income | $1,014,000 | 5,686 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $278,000 | 6,083 |
| Income before extraordinary items | $735,000 | 5,600 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $735,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-155,000 | 11,297 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 877 |
| Net operating income | $735,730 | 5,550 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,102,000 | 6,874 |
| Total interest expense | $1,285,000 | 8,329 |
| Net interest income | $2,817,000 | 5,783 |
| Provision for loan and lease losses | $498,000 | 1,581 |
| Total noninterest income | $568,000 | 4,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $432,000 | 3,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,260 |
| Total noninterest expense | $2,360,000 | 5,249 |
| Salaries and employee benefits | $1,264,000 | 4,985 |
| Premises and equipment expense | $313,000 | 5,451 |
| Additional noninterest expense | $783,000 | 5,346 |
| Pre-tax net operating income | $527,000 | 8,289 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $130,000 | 8,624 |
| Income before extraordinary items | $397,000 | 8,108 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $397,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,518 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $397,000 | 8,068 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,404,000 | 7,479 |
| Total interest expense | $972,000 | 8,816 |
| Net interest income | $2,432,000 | 6,604 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $465,000 | 5,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,421 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,612 |
| Total noninterest expense | $2,181,000 | 5,792 |
| Salaries and employee benefits | $992,000 | 6,126 |
| Premises and equipment expense | $308,000 | 5,604 |
| Additional noninterest expense | $881,000 | 5,269 |
| Pre-tax net operating income | $713,000 | 7,321 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $257,000 | 6,426 |
| Income before extraordinary items | $456,000 | 7,650 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $456,000 | 7,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,975 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,129 |
| Net operating income | $456,000 | 7,703 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,522,000 | 7,507 |
| Total interest expense | $1,096,000 | 8,703 |
| Net interest income | $2,426,000 | 6,682 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $417,000 | 6,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $1,990,000 | 6,362 |
| Salaries and employee benefits | $1,049,000 | 5,882 |
| Premises and equipment expense | $290,000 | 6,016 |
| Additional noninterest expense | $651,000 | 6,932 |
| Pre-tax net operating income | $853,000 | 6,556 |
| Securities gains (losses) | $113,000 | 2,322 |
| Applicable income taxes | $334,000 | 5,684 |
| Income before extraordinary items | $632,000 | 6,552 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $632,000 | 6,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,151 |
| Net operating income | $558,550 | 6,830 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,114,000 | 8,777 |
| Total interest expense | $1,153,000 | 9,780 |
| Net interest income | $1,961,000 | 7,864 |
| Provision for loan and lease losses | $16,000 | 10,806 |
| Total noninterest income | $419,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 4,182 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 8,250 |
| Total noninterest expense | $1,815,000 | 6,897 |
| Salaries and employee benefits | $870,000 | 6,808 |
| Premises and equipment expense | $261,000 | 6,590 |
| Additional noninterest expense | $684,000 | 6,858 |
| Pre-tax net operating income | $549,000 | 8,077 |
| Securities gains (losses) | $245,000 | 1,748 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $524,000 | 7,137 |
| Extraordinary gains, net | $143,000 | 584 |
| Net income | $667,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $362,300 | 8,231 |
* 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.