Home > The Express Bank of Texas > Income and Expense

The Express Bank of Texas, Income and Expense

2005-12-31 (YTD Data)Rank
Total interest income$1,999,0007,453
Total interest expense$785,0006,830
Net interest income$1,214,0007,666
Provision for loan and lease losses$54,0005,670
Total noninterest income$280,0006,458
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$11,0007,582
Trading account gains and fees$0138
Additional Noninterest Income$269,0004,573
Total noninterest expense$1,563,0006,784
Salaries and employee benefits$718,0007,200
Premises and equipment expense$252,0006,191
Additional noninterest expense$593,0006,098
Pre-tax net operating income$-123,0008,347
Securities gains (losses)$-82,0008,359
Applicable income taxes$06,964
Income before extraordinary items$-205,0008,417
Extraordinary gains, net$046
Net income$-205,0008,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0005,434
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$-123,0008,352
2005-09-30 (YTD Data)Rank
Total interest income$1,468,0007,511
Total interest expense$537,0006,932
Net interest income$931,0007,681
Provision for loan and lease losses$54,0005,082
Total noninterest income$180,0006,783
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$8,0007,642
Trading account gains and fees$0126
Additional Noninterest Income$172,0004,931
Total noninterest expense$1,158,0006,811
Salaries and employee benefits$532,0007,217
Premises and equipment expense$185,0006,217
Additional noninterest expense$441,0006,084
Pre-tax net operating income$-101,0008,429
Securities gains (losses)$4,0001,810
Applicable income taxes$06,976
Income before extraordinary items$-97,0008,450
Extraordinary gains, net$035
Net income$-97,0008,451
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,700
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$-101,0008,423
2005-06-30 (YTD Data)Rank
Total interest income$967,0007,519
Total interest expense$355,0006,866
Net interest income$612,0007,723
Provision for loan and lease losses$54,0004,449
Total noninterest income$74,0007,525
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$6,0007,638
Trading account gains and fees$0116
Additional Noninterest Income$68,0005,929
Total noninterest expense$708,0007,039
Salaries and employee benefits$331,0007,381
Premises and equipment expense$120,0006,281
Additional noninterest expense$257,0006,446
Pre-tax net operating income$-76,0008,458
Securities gains (losses)$3,0001,754
Applicable income taxes$06,961
Income before extraordinary items$-73,0008,490
Extraordinary gains, net$030
Net income$-73,0008,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,009
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$-76,0008,469
2005-03-31 (YTD Data)Rank
Total interest income$461,0007,652
Total interest expense$174,0006,869
Net interest income$287,0007,868
Provision for loan and lease losses$4,0005,908
Total noninterest income$29,0007,826
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$3,0007,690
Trading account gains and fees$0115
Additional Noninterest Income$26,0006,409
Total noninterest expense$340,0007,169
Salaries and employee benefits$153,0007,619
Premises and equipment expense$54,0006,573
Additional noninterest expense$133,0006,382
Pre-tax net operating income$-28,0008,527
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$-28,0008,547
Extraordinary gains, net$024
Net income$-28,0008,547
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0003,869
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$-28,0008,521
2004-12-31 (YTD Data)Rank
Total interest income$1,190,0008,227
Total interest expense$403,0007,679
Net interest income$787,0008,317
Provision for loan and lease losses$120,0004,623
Total noninterest income$69,0008,409
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$7,0007,808
Trading account gains and fees$0138
Additional Noninterest Income$62,0007,147
Total noninterest expense$1,328,0007,216
Salaries and employee benefits$667,0007,412
Premises and equipment expense$203,0006,725
Additional noninterest expense$458,0006,805
Pre-tax net operating income$-592,0008,696
Securities gains (losses)$135,0001,042
Applicable income taxes$07,185
Income before extraordinary items$-457,0008,699
Extraordinary gains, net$034
Net income$-457,0008,701
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,973
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$-592,0008,725
2004-09-30 (YTD Data)Rank
Total interest income$763,0008,426
Total interest expense$255,0007,947
Net interest income$508,0008,511
Provision for loan and lease losses$45,0005,471
Total noninterest income$51,0008,467
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$26,0007,549
Trading account gains and fees$0134
Additional Noninterest Income$25,0007,883
Total noninterest expense$784,0007,688
Salaries and employee benefits$325,0008,173
Premises and equipment expense$163,0006,540
Additional noninterest expense$296,0007,121
Pre-tax net operating income$-270,0008,680
Securities gains (losses)$47,0001,709
Applicable income taxes$07,220
Income before extraordinary items$-223,0008,701
Extraordinary gains, net$026
Net income$-223,0008,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$-270,0008,698
2004-06-30 (YTD Data)Rank
Total interest income$385,0008,694
Total interest expense$123,0008,400
Net interest income$262,0008,735
Provision for loan and lease losses$30,0005,293
Total noninterest income$40,0008,398
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$15,0007,653
Trading account gains and fees$0130
Additional Noninterest Income$25,0007,479
Total noninterest expense$493,0007,860
Salaries and employee benefits$207,0008,301
Premises and equipment expense$97,0006,845
Additional noninterest expense$189,0007,256
Pre-tax net operating income$-221,0008,780
Securities gains (losses)$28,0001,835
Applicable income taxes$07,214
Income before extraordinary items$-193,0008,792
Extraordinary gains, net$021
Net income$-193,0008,793
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-221,0008,785
2004-03-31 (YTD Data)Rank
Total interest income$163,0008,821
Total interest expense$48,0008,649
Net interest income$115,0008,830
Provision for loan and lease losses$15,0005,048
Total noninterest income$28,0008,048
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,0007,932
Trading account gains and fees$0121
Additional Noninterest Income$27,0006,301
Total noninterest expense$256,0007,831
Salaries and employee benefits$105,0008,326
Premises and equipment expense$51,0006,740
Additional noninterest expense$100,0007,147
Pre-tax net operating income$-128,0008,833
Securities gains (losses)$28,0001,532
Applicable income taxes$07,103
Income before extraordinary items$-100,0008,837
Extraordinary gains, net$016
Net income$-100,0008,838
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-128,0008,845
2003-12-31 (YTD Data)Rank
Total interest income$141,0009,098
Total interest expense$50,0009,041
Net interest income$91,0009,102
Provision for loan and lease losses$07,651
Total noninterest income$10,0009,054
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$2,0008,020
Trading account gains and fees$0160
Additional Noninterest Income$8,0008,827
Total noninterest expense$599,0008,659
Salaries and employee benefits$277,0008,821
Premises and equipment expense$90,0008,193
Additional noninterest expense$232,0008,217
Pre-tax net operating income$-498,0008,820
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$-498,0008,905
Extraordinary gains, net$054
Net income$-498,0008,905
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$5,500,000177
Net operating income$-498,0008,841
2003-09-30 (YTD Data)Rank
Total interest income$26,0009,214
Total interest expense$14,0009,157
Net interest income$12,0009,219
Provision for loan and lease losses$18,0006,830
Total noninterest income$3,0009,156
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$3,0008,055
Trading account gains and fees$0153
Additional Noninterest Income$09,106
Total noninterest expense$324,0008,965
Salaries and employee benefits$160,0009,018
Premises and equipment expense$53,0008,511
Additional noninterest expense$111,0008,808
Pre-tax net operating income$-327,0008,885
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$-327,0008,967
Extraordinary gains, net$040
Net income$-327,0008,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$5,500,000116
Net operating income$-327,0008,897

* 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.