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Texas Guaranty Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$6,013,0004,949
Total interest expense$2,748,0005,058
Net interest income$3,265,0004,781
Provision for loan and lease losses$237,0003,789
Total noninterest income$483,0005,154
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$367,0003,633
Trading account gains and fees$0177
Additional Noninterest Income$116,0006,082
Total noninterest expense$3,443,0003,868
Salaries and employee benefits$1,866,0003,798
Premises and equipment expense$721,0002,877
Additional noninterest expense$856,0004,571
Pre-tax net operating income$68,0008,471
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$68,0008,515
Extraordinary gains, net$0105
Net income$68,0008,514
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0009,191
Cash dividends$125,0005,533
Sale, conversion, retirement of capital stock, net$0922
Net operating income$68,0008,417
2000-12-31 (YTD Data)Rank
Total interest income$6,729,0004,730
Total interest expense$3,162,0004,723
Net interest income$3,567,0004,547
Provision for loan and lease losses$08,337
Total noninterest income$2,897,0001,398
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$542,0002,503
Trading account gains and fees$0180
Additional Noninterest Income$2,355,0001,013
Total noninterest expense$3,757,0003,499
Salaries and employee benefits$1,869,0003,667
Premises and equipment expense$720,0002,813
Additional noninterest expense$1,168,0003,518
Pre-tax net operating income$2,707,0002,597
Securities gains (losses)$1,0001,732
Applicable income taxes$1,003,0002,109
Income before extraordinary items$1,705,0002,928
Extraordinary gains, net$038
Net income$1,705,0002,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,680
Cash dividends$1,300,0001,851
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,704,3602,913
1999-12-31 (YTD Data)Rank
Total interest income$6,156,0004,860
Total interest expense$2,605,0005,073
Net interest income$3,551,0004,605
Provision for loan and lease losses$15,0007,855
Total noninterest income$746,0003,800
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$706,0001,882
Trading account gains and fees$0173
Additional Noninterest Income$40,0008,414
Total noninterest expense$3,720,0003,532
Salaries and employee benefits$1,764,0003,803
Premises and equipment expense$725,0002,789
Additional noninterest expense$1,231,0003,351
Pre-tax net operating income$562,0006,856
Securities gains (losses)$03,155
Applicable income taxes$187,0005,850
Income before extraordinary items$375,0007,125
Extraordinary gains, net$035
Net income$375,0007,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$41,0005,166
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$375,0007,101
1998-12-31 (YTD Data)Rank
Total interest income$7,513,0004,157
Total interest expense$3,440,0004,199
Net interest income$4,073,0004,058
Provision for loan and lease losses$180,0003,728
Total noninterest income$712,0003,926
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$667,0001,910
Trading account gains and fees$0224
Additional Noninterest Income$45,0008,339
Total noninterest expense$3,972,0003,207
Salaries and employee benefits$1,931,0003,453
Premises and equipment expense$725,0002,692
Additional noninterest expense$1,316,0003,102
Pre-tax net operating income$633,0006,750
Securities gains (losses)$04,449
Applicable income taxes$139,0006,991
Income before extraordinary items$494,0006,648
Extraordinary gains, net$032
Net income$494,0006,647
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$156,0002,847
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$494,0006,528
1997-12-31 (YTD Data)Rank
Total interest income$7,182,0004,402
Total interest expense$3,370,0004,257
Net interest income$3,812,0004,411
Provision for loan and lease losses$166,0003,907
Total noninterest income$694,0003,994
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$618,0002,122
Trading account gains and feesNANA
Additional Noninterest Income$76,0007,510
Total noninterest expense$3,706,0003,406
Salaries and employee benefits$1,760,0003,720
Premises and equipment expense$660,0002,891
Additional noninterest expense$1,286,0003,137
Pre-tax net operating income$634,0007,272
Securities gains (losses)$1,0003,559
Applicable income taxes$010,065
Income before extraordinary items$635,0006,190
Extraordinary gains, net$044
Net income$635,0006,191
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,548
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$634,0006,143
1996-12-31 (YTD Data)Rank
Total interest income$6,208,0005,056
Total interest expense$2,933,0004,870
Net interest income$3,275,0005,101
Provision for loan and lease losses$91,0005,319
Total noninterest income$598,0004,579
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$515,0002,651
Trading account gains and feesNANA
Additional Noninterest Income$83,0007,649
Total noninterest expense$3,272,0004,029
Salaries and employee benefits$1,412,0004,557
Premises and equipment expense$366,0004,870
Additional noninterest expense$1,494,0003,135
Pre-tax net operating income$510,0007,882
Securities gains (losses)$-48,00011,022
Applicable income taxes$-450,00011,348
Income before extraordinary items$912,0004,831
Extraordinary gains, net$053
Net income$912,0004,832
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-69,00011,131
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$960,0004,589
1995-12-31 (YTD Data)Rank
Total interest income$3,662,0007,349
Total interest expense$1,712,0007,111
Net interest income$1,950,0007,414
Provision for loan and lease losses$08,958
Total noninterest income$442,0005,612
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$387,0003,461
Trading account gains and feesNANA
Additional Noninterest Income$55,0008,981
Total noninterest expense$2,291,0005,374
Salaries and employee benefits$1,100,0005,598
Premises and equipment expense$308,0005,516
Additional noninterest expense$883,0004,849
Pre-tax net operating income$101,00011,082
Securities gains (losses)$31,0001,605
Applicable income taxes$011,151
Income before extraordinary items$132,00010,638
Extraordinary gains, net$065
Net income$132,00010,640
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$151,0002,982
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$3,900,000133
Net operating income$101,00010,897
1994-12-31 (YTD Data)Rank
Total interest income$2,338,0009,186
Total interest expense$806,0009,576
Net interest income$1,532,0008,789
Provision for loan and lease losses$160,0003,463
Total noninterest income$355,0006,614
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$293,0004,452
Trading account gains and feesNANA
Additional Noninterest Income$62,0009,009
Total noninterest expense$2,027,0006,130
Salaries and employee benefits$959,0006,304
Premises and equipment expense$286,0005,920
Additional noninterest expense$782,0005,809
Pre-tax net operating income$-300,00012,311
Securities gains (losses)$03,600
Applicable income taxes$011,630
Income before extraordinary items$-300,00012,278
Extraordinary gains, net$0249
Net income$-300,00012,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$210,0002,413
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$258,000652
Net operating income$-300,00012,293
1993-12-31 (YTD Data)Rank
Total interest income$835,00012,602
Total interest expense$306,00012,653
Net interest income$529,00012,469
Provision for loan and lease losses$010,371
Total noninterest income$105,00011,200
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$29,00010,780
Trading account gains and feesNANA
Additional Noninterest Income$76,0008,800
Total noninterest expense$773,00010,805
Salaries and employee benefits$370,00010,938
Premises and equipment expense$156,0008,751
Additional noninterest expense$247,00011,121
Pre-tax net operating income$-139,00012,633
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$-139,00012,699
Extraordinary gains, net$03,149
Net income$-139,00012,717
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0004,368
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$1,143,000441
Net operating income$-139,00012,606
1992-12-31 (YTD Data)Rank
Total interest income$2,895,0009,158
Total interest expense$1,257,0009,399
Net interest income$1,638,0008,846
Provision for loan and lease losses$194,0005,305
Total noninterest income$758,0004,137
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$309,0004,341
Trading account gains and feesNANA
Additional Noninterest Income$449,0003,431
Total noninterest expense$2,268,0005,765
Salaries and employee benefits$888,0006,687
Premises and equipment expense$464,0004,242
Additional noninterest expense$916,0005,439
Pre-tax net operating income$-66,00012,886
Securities gains (losses)$1,0007,986
Applicable income taxes$012,680
Income before extraordinary items$-65,00013,016
Extraordinary gains, net$01,422
Net income$-65,00013,008
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0003,404
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-66,00012,845

* 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.