Home > The Express Bank > Income and Expense
The Express Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,978,000 | 6,879 |
| Total interest expense | $600,000 | 8,093 |
| Net interest income | $2,378,000 | 6,074 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $564,000 | 4,888 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $497,000 | 2,985 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $67,000 | 7,151 |
| Total noninterest expense | $2,060,000 | 5,785 |
| Salaries and employee benefits | $522,000 | 8,052 |
| Premises and equipment expense | $246,000 | 6,193 |
| Additional noninterest expense | $1,292,000 | 3,397 |
| Pre-tax net operating income | $882,000 | 5,534 |
| Securities gains (losses) | $503,000 | 657 |
| Applicable income taxes | $343,000 | 4,203 |
| Income before extraordinary items | $1,042,000 | 4,488 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,042,000 | 4,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,337 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $664,750 | 5,542 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,123,000 | 5,531 |
| Total interest expense | $2,044,000 | 6,030 |
| Net interest income | $3,079,000 | 4,972 |
| Provision for loan and lease losses | $79,000 | 6,023 |
| Total noninterest income | $831,000 | 3,750 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $662,000 | 2,259 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $169,000 | 5,279 |
| Total noninterest expense | $2,208,000 | 5,380 |
| Salaries and employee benefits | $1,052,000 | 5,813 |
| Premises and equipment expense | $430,000 | 4,376 |
| Additional noninterest expense | $726,000 | 5,146 |
| Pre-tax net operating income | $1,623,000 | 3,673 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,623,000 | 3,039 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,623,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,754 |
| Cash dividends | $1,100,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,623,000 | 2,939 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,412,000 | 5,449 |
| Total interest expense | $2,429,000 | 5,658 |
| Net interest income | $2,983,000 | 5,180 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $799,000 | 3,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $685,000 | 2,030 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,126 |
| Total noninterest expense | $2,208,000 | 5,317 |
| Salaries and employee benefits | $1,094,000 | 5,581 |
| Premises and equipment expense | $412,000 | 4,413 |
| Additional noninterest expense | $702,000 | 5,163 |
| Pre-tax net operating income | $1,524,000 | 4,034 |
| Securities gains (losses) | $-24,000 | 8,832 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,500,000 | 3,257 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,500,000 | 3,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,524,000 | 3,204 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,359,000 | 6,051 |
| Total interest expense | $1,650,000 | 6,638 |
| Net interest income | $2,709,000 | 5,524 |
| Provision for loan and lease losses | $154,000 | 4,195 |
| Total noninterest income | $712,000 | 3,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $656,000 | 2,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 7,849 |
| Total noninterest expense | $1,985,000 | 5,713 |
| Salaries and employee benefits | $1,026,000 | 5,781 |
| Premises and equipment expense | $387,000 | 4,650 |
| Additional noninterest expense | $572,000 | 6,009 |
| Pre-tax net operating income | $1,282,000 | 4,567 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,300,000 | 3,643 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,300,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,806 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,282,000 | 3,635 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 6,477 |
| Total interest expense | $1,462,000 | 7,278 |
| Net interest income | $2,545,000 | 5,780 |
| Provision for loan and lease losses | $37,000 | 7,064 |
| Total noninterest income | $667,000 | 4,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $620,000 | 2,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,260 |
| Total noninterest expense | $1,803,000 | 5,991 |
| Salaries and employee benefits | $892,000 | 6,245 |
| Premises and equipment expense | $331,000 | 5,072 |
| Additional noninterest expense | $580,000 | 5,884 |
| Pre-tax net operating income | $1,372,000 | 4,459 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,400,000 | 3,443 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,400,000 | 3,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,372,000 | 3,413 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,661,000 | 6,998 |
| Total interest expense | $1,380,000 | 7,631 |
| Net interest income | $2,281,000 | 6,397 |
| Provision for loan and lease losses | $95,000 | 5,292 |
| Total noninterest income | $649,000 | 4,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $588,000 | 2,231 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $1,765,000 | 6,149 |
| Salaries and employee benefits | $859,000 | 6,493 |
| Premises and equipment expense | $325,000 | 5,166 |
| Additional noninterest expense | $581,000 | 5,935 |
| Pre-tax net operating income | $1,070,000 | 5,626 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-30,000 | 10,579 |
| Income before extraordinary items | $1,100,000 | 4,371 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,100,000 | 4,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,088 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,100,000 | 4,293 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,524,000 | 7,363 |
| Total interest expense | $1,459,000 | 7,673 |
| Net interest income | $2,065,000 | 7,016 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $631,000 | 4,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $572,000 | 2,376 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,503 |
| Total noninterest expense | $1,872,000 | 6,236 |
| Salaries and employee benefits | $811,000 | 6,926 |
| Premises and equipment expense | $328,000 | 5,249 |
| Additional noninterest expense | $733,000 | 5,556 |
| Pre-tax net operating income | $804,000 | 6,488 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $204,000 | 7,077 |
| Income before extraordinary items | $587,000 | 6,346 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $587,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $210,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $596,620 | 6,229 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 8,072 |
| Total interest expense | $1,362,000 | 8,085 |
| Net interest income | $1,727,000 | 7,942 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $547,000 | 4,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $461,000 | 2,945 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,713 |
| Total noninterest expense | $1,868,000 | 6,312 |
| Salaries and employee benefits | $1,002,000 | 6,057 |
| Premises and equipment expense | $335,000 | 5,198 |
| Additional noninterest expense | $531,000 | 7,024 |
| Pre-tax net operating income | $398,000 | 9,079 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $151,000 | 8,236 |
| Income before extraordinary items | $247,000 | 9,438 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $247,000 | 9,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $210,000 | 5,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $247,000 | 9,421 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,744,000 | 8,472 |
| Total interest expense | $957,000 | 8,877 |
| Net interest income | $1,787,000 | 8,070 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $533,000 | 5,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $464,000 | 2,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,689 |
| Total noninterest expense | $1,518,000 | 7,549 |
| Salaries and employee benefits | $712,000 | 7,781 |
| Premises and equipment expense | $279,000 | 6,023 |
| Additional noninterest expense | $527,000 | 7,619 |
| Pre-tax net operating income | $786,000 | 6,942 |
| Securities gains (losses) | $29,000 | 1,487 |
| Applicable income taxes | $265,000 | 6,325 |
| Income before extraordinary items | $550,000 | 6,909 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $550,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $530,570 | 7,116 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,818,000 | 8,634 |
| Total interest expense | $1,021,000 | 9,011 |
| Net interest income | $1,797,000 | 8,259 |
| Provision for loan and lease losses | $35,000 | 8,215 |
| Total noninterest income | $541,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $471,000 | 2,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $1,653,000 | 7,343 |
| Salaries and employee benefits | $655,000 | 8,344 |
| Premises and equipment expense | $306,000 | 5,744 |
| Additional noninterest expense | $692,000 | 6,621 |
| Pre-tax net operating income | $650,000 | 7,628 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $471,000 | 7,788 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $471,000 | 7,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $422,900 | 7,936 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 9,340 |
| Total interest expense | $1,218,000 | 9,538 |
| Net interest income | $1,575,000 | 9,029 |
| Provision for loan and lease losses | $111,000 | 6,992 |
| Total noninterest income | $531,000 | 5,413 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 3,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 8,478 |
| Total noninterest expense | $1,474,000 | 8,016 |
| Salaries and employee benefits | $569,000 | 9,093 |
| Premises and equipment expense | $295,000 | 6,046 |
| Additional noninterest expense | $610,000 | 7,418 |
| Pre-tax net operating income | $521,000 | 8,259 |
| Securities gains (losses) | $69,000 | 3,609 |
| Applicable income taxes | $209,000 | 7,384 |
| Income before extraordinary items | $381,000 | 8,407 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $381,000 | 8,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $336,150 | 8,503 |
* 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.