Home > Texas Heritage Bank > Income and Expense
Texas Heritage Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,494,000 | 4,678 |
| Total interest expense | $2,614,000 | 5,066 |
| Net interest income | $3,880,000 | 4,294 |
| Provision for loan and lease losses | $330,000 | 2,465 |
| Total noninterest income | $1,161,000 | 2,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $534,000 | 2,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $627,000 | 2,553 |
| Total noninterest expense | $3,410,000 | 3,778 |
| Salaries and employee benefits | $1,740,000 | 3,847 |
| Premises and equipment expense | $586,000 | 3,336 |
| Additional noninterest expense | $1,084,000 | 3,750 |
| Pre-tax net operating income | $1,301,000 | 4,513 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $413,000 | 4,076 |
| Income before extraordinary items | $914,000 | 4,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $914,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,405 |
| Cash dividends | $203,000 | 5,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $896,060 | 4,716 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,244,000 | 5,488 |
| Total interest expense | $2,230,000 | 5,784 |
| Net interest income | $3,014,000 | 5,118 |
| Provision for loan and lease losses | $238,000 | 3,151 |
| Total noninterest income | $1,092,000 | 2,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $525,000 | 2,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $567,000 | 2,744 |
| Total noninterest expense | $3,131,000 | 3,968 |
| Salaries and employee benefits | $1,542,000 | 4,152 |
| Premises and equipment expense | $498,000 | 3,715 |
| Additional noninterest expense | $1,091,000 | 3,654 |
| Pre-tax net operating income | $737,000 | 6,349 |
| Securities gains (losses) | $44,000 | 1,829 |
| Applicable income taxes | $240,000 | 5,737 |
| Income before extraordinary items | $541,000 | 6,368 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $541,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,332 |
| Cash dividends | $105,000 | 6,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $510,640 | 6,430 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,296,000 | 6,389 |
| Total interest expense | $1,534,000 | 7,266 |
| Net interest income | $2,762,000 | 5,645 |
| Provision for loan and lease losses | $307,000 | 2,537 |
| Total noninterest income | $726,000 | 3,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 2,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,059 |
| Total noninterest expense | $2,571,000 | 4,677 |
| Salaries and employee benefits | $1,297,000 | 4,791 |
| Premises and equipment expense | $402,000 | 4,436 |
| Additional noninterest expense | $872,000 | 4,435 |
| Pre-tax net operating income | $610,000 | 7,370 |
| Securities gains (losses) | $16,000 | 2,045 |
| Applicable income taxes | $219,000 | 6,631 |
| Income before extraordinary items | $407,000 | 7,589 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $407,000 | 7,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,786 |
| Cash dividends | $210,000 | 5,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $396,600 | 7,610 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,604,000 | 7,266 |
| Total interest expense | $1,244,000 | 8,258 |
| Net interest income | $2,360,000 | 6,459 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $486,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $332,000 | 3,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,900 |
| Total noninterest expense | $1,971,000 | 5,995 |
| Salaries and employee benefits | $1,040,000 | 5,829 |
| Premises and equipment expense | $280,000 | 5,838 |
| Additional noninterest expense | $651,000 | 6,025 |
| Pre-tax net operating income | $854,000 | 6,276 |
| Securities gains (losses) | $34,000 | 1,599 |
| Applicable income taxes | $227,000 | 6,744 |
| Income before extraordinary items | $661,000 | 5,939 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $661,000 | 5,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $210,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $635,840 | 5,999 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 8,771 |
| Total interest expense | $766,000 | 10,065 |
| Net interest income | $1,855,000 | 7,636 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $418,000 | 5,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,244 |
| Total noninterest expense | $1,412,000 | 7,550 |
| Salaries and employee benefits | $789,000 | 7,166 |
| Premises and equipment expense | $153,000 | 8,197 |
| Additional noninterest expense | $470,000 | 7,519 |
| Pre-tax net operating income | $849,000 | 6,651 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $237,000 | 6,847 |
| Income before extraordinary items | $609,000 | 6,563 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $609,000 | 6,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 432 |
| Net operating income | $611,160 | 6,535 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 9,768 |
| Total interest expense | $499,000 | 11,106 |
| Net interest income | $1,521,000 | 8,827 |
| Provision for loan and lease losses | $33,000 | 6,965 |
| Total noninterest income | $479,000 | 5,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,356 |
| Total noninterest expense | $1,275,000 | 8,339 |
| Salaries and employee benefits | $728,000 | 7,686 |
| Premises and equipment expense | $134,000 | 8,981 |
| Additional noninterest expense | $413,000 | 8,695 |
| Pre-tax net operating income | $692,000 | 7,436 |
| Securities gains (losses) | $-37,000 | 10,819 |
| Applicable income taxes | $149,000 | 8,321 |
| Income before extraordinary items | $506,000 | 7,260 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $506,000 | 7,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 919 |
| Net operating income | $534,490 | 7,087 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 10,751 |
| Total interest expense | $439,000 | 12,018 |
| Net interest income | $1,284,000 | 9,789 |
| Provision for loan and lease losses | $23,000 | 8,904 |
| Total noninterest income | $449,000 | 6,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,948 |
| Total noninterest expense | $1,248,000 | 8,709 |
| Salaries and employee benefits | $611,000 | 8,715 |
| Premises and equipment expense | $144,000 | 9,078 |
| Additional noninterest expense | $493,000 | 8,289 |
| Pre-tax net operating income | $462,000 | 8,928 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $114,000 | 9,431 |
| Income before extraordinary items | $348,000 | 8,954 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $348,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $348,000 | 8,702 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,772,000 | 11,368 |
| Total interest expense | $550,000 | 12,531 |
| Net interest income | $1,222,000 | 10,252 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $401,000 | 6,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,647 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,542 |
| Total noninterest expense | $1,286,000 | 8,713 |
| Salaries and employee benefits | $584,000 | 8,959 |
| Premises and equipment expense | $146,000 | 9,235 |
| Additional noninterest expense | $556,000 | 7,920 |
| Pre-tax net operating income | $302,000 | 10,119 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $98,000 | 9,973 |
| Income before extraordinary items | $220,000 | 10,323 |
| Extraordinary gains, net | $9,000 | 1,353 |
| Net income | $229,000 | 10,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $208,960 | 10,139 |
* 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.