Home > The First National Bank of Rosenberg > Income and Expense
The First National Bank of Rosenberg, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,185,000 | 4,846 |
| Total interest expense | $1,648,000 | 6,641 |
| Net interest income | $4,537,000 | 3,756 |
| Provision for loan and lease losses | $200,000 | 3,546 |
| Total noninterest income | $2,073,000 | 1,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $762,000 | 1,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,311,000 | 1,525 |
| Total noninterest expense | $4,882,000 | 2,769 |
| Salaries and employee benefits | $2,696,000 | 2,610 |
| Premises and equipment expense | $680,000 | 2,935 |
| Additional noninterest expense | $1,506,000 | 2,853 |
| Pre-tax net operating income | $1,528,000 | 4,040 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $356,000 | 4,433 |
| Income before extraordinary items | $1,172,000 | 3,949 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,172,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,666 |
| Cash dividends | $1,050,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,172,000 | 3,920 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,215,000 | 4,864 |
| Total interest expense | $1,975,000 | 6,229 |
| Net interest income | $4,240,000 | 3,940 |
| Provision for loan and lease losses | $275,000 | 2,807 |
| Total noninterest income | $1,093,000 | 2,888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $706,000 | 1,808 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,498 |
| Total noninterest expense | $3,327,000 | 3,768 |
| Salaries and employee benefits | $1,821,000 | 3,634 |
| Premises and equipment expense | $477,000 | 3,824 |
| Additional noninterest expense | $1,029,000 | 3,868 |
| Pre-tax net operating income | $1,731,000 | 3,753 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $482,000 | 3,928 |
| Income before extraordinary items | $1,266,000 | 3,758 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,266,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,750 |
| Cash dividends | $1,452,000 | 1,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,253,760 | 3,708 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,004,000 | 5,075 |
| Total interest expense | $1,912,000 | 6,442 |
| Net interest income | $4,092,000 | 4,164 |
| Provision for loan and lease losses | $203,000 | 3,406 |
| Total noninterest income | $933,000 | 3,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $767,000 | 1,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,423 |
| Total noninterest expense | $3,256,000 | 3,840 |
| Salaries and employee benefits | $1,736,000 | 3,766 |
| Premises and equipment expense | $404,000 | 4,422 |
| Additional noninterest expense | $1,116,000 | 3,558 |
| Pre-tax net operating income | $1,566,000 | 4,325 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $439,000 | 4,606 |
| Income before extraordinary items | $1,137,000 | 4,249 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,137,000 | 4,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 960 |
| Cash dividends | $375,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,129,800 | 4,205 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,148,000 | 5,088 |
| Total interest expense | $2,040,000 | 6,341 |
| Net interest income | $4,108,000 | 4,225 |
| Provision for loan and lease losses | $1,927,000 | 640 |
| Total noninterest income | $1,226,000 | 2,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,037,000 | 1,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,337 |
| Total noninterest expense | $3,373,000 | 3,914 |
| Salaries and employee benefits | $1,577,000 | 4,121 |
| Premises and equipment expense | $342,000 | 5,088 |
| Additional noninterest expense | $1,454,000 | 3,205 |
| Pre-tax net operating income | $34,000 | 10,663 |
| Securities gains (losses) | $45,000 | 1,403 |
| Applicable income taxes | $-112,000 | 11,187 |
| Income before extraordinary items | $191,000 | 9,388 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $191,000 | 9,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,349,000 | 743 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $146,000 | 9,771 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,714,000 | 5,425 |
| Total interest expense | $1,883,000 | 6,713 |
| Net interest income | $3,831,000 | 4,471 |
| Provision for loan and lease losses | $377,000 | 1,945 |
| Total noninterest income | $982,000 | 3,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $799,000 | 1,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,373 |
| Total noninterest expense | $2,628,000 | 4,783 |
| Salaries and employee benefits | $1,364,000 | 4,669 |
| Premises and equipment expense | $207,000 | 7,060 |
| Additional noninterest expense | $1,057,000 | 4,164 |
| Pre-tax net operating income | $1,808,000 | 3,829 |
| Securities gains (losses) | $189,000 | 693 |
| Applicable income taxes | $573,000 | 3,779 |
| Income before extraordinary items | $1,424,000 | 3,404 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,424,000 | 3,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $11,255,000 | 367 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,289,810 | 3,689 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,138,000 | 5,550 |
| Total interest expense | $1,691,000 | 6,349 |
| Net interest income | $3,447,000 | 5,005 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $841,000 | 3,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $685,000 | 1,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 6,096 |
| Total noninterest expense | $2,930,000 | 4,504 |
| Salaries and employee benefits | $1,435,000 | 4,451 |
| Premises and equipment expense | $201,000 | 7,402 |
| Additional noninterest expense | $1,294,000 | 3,789 |
| Pre-tax net operating income | $1,358,000 | 4,773 |
| Securities gains (losses) | $-19,000 | 10,292 |
| Applicable income taxes | $386,000 | 4,887 |
| Income before extraordinary items | $953,000 | 4,692 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $953,000 | 4,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,735 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $966,490 | 4,698 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,098,000 | 5,679 |
| Total interest expense | $1,903,000 | 6,084 |
| Net interest income | $3,195,000 | 5,363 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $834,000 | 3,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $681,000 | 2,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,500 |
| Total noninterest expense | $2,320,000 | 5,625 |
| Salaries and employee benefits | $1,252,000 | 5,040 |
| Premises and equipment expense | $175,000 | 8,253 |
| Additional noninterest expense | $893,000 | 5,399 |
| Pre-tax net operating income | $1,664,000 | 3,941 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $482,000 | 4,314 |
| Income before extraordinary items | $1,213,000 | 3,976 |
| Extraordinary gains, net | $162,000 | 1,172 |
| Net income | $1,375,000 | 3,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,737 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,190,680 | 3,845 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,321,000 | 5,264 |
| Total interest expense | $2,708,000 | 5,631 |
| Net interest income | $3,613,000 | 4,863 |
| Provision for loan and lease losses | $342,000 | 3,824 |
| Total noninterest income | $854,000 | 3,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $619,000 | 2,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 5,169 |
| Total noninterest expense | $2,282,000 | 5,731 |
| Salaries and employee benefits | $1,289,000 | 4,857 |
| Premises and equipment expense | $212,000 | 7,581 |
| Additional noninterest expense | $781,000 | 6,199 |
| Pre-tax net operating income | $1,843,000 | 3,352 |
| Securities gains (losses) | $197,000 | 2,028 |
| Applicable income taxes | $721,000 | 2,877 |
| Income before extraordinary items | $1,319,000 | 3,470 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,319,000 | 3,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 6,844 |
| Cash dividends | $570,000 | 2,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,190,950 | 3,556 |
* 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.