Home > The First National Bank of Texas > Income and Expense
The First National Bank of Texas, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,862,000 | 2,650 |
| Total interest expense | $5,740,000 | 2,779 |
| Net interest income | $7,122,000 | 2,508 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $1,881,000 | 2,112 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,255,000 | 1,184 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $626,000 | 2,759 |
| Total noninterest expense | $6,130,000 | 2,331 |
| Salaries and employee benefits | $3,098,000 | 2,426 |
| Premises and equipment expense | $829,000 | 2,540 |
| Additional noninterest expense | $2,203,000 | 2,045 |
| Pre-tax net operating income | $2,773,000 | 2,442 |
| Securities gains (losses) | $-17,000 | 9,356 |
| Applicable income taxes | $925,000 | 2,190 |
| Income before extraordinary items | $1,831,000 | 2,743 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,831,000 | 2,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $900,000 | 1,012 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,842,220 | 2,632 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,816,000 | 1,406 |
| Total interest expense | $12,042,000 | 1,432 |
| Net interest income | $12,774,000 | 1,372 |
| Provision for loan and lease losses | $650,000 | 1,497 |
| Total noninterest income | $3,024,000 | 1,345 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,010,000 | 670 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,014,000 | 1,835 |
| Total noninterest expense | $10,107,000 | 1,373 |
| Salaries and employee benefits | $5,101,000 | 1,387 |
| Premises and equipment expense | $1,680,000 | 1,206 |
| Additional noninterest expense | $3,326,000 | 1,352 |
| Pre-tax net operating income | $5,041,000 | 1,465 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,330,000 | 1,671 |
| Income before extraordinary items | $3,711,000 | 1,428 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,711,000 | 1,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 1,580 |
| Cash dividends | $313,000 | 4,397 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 699 |
| Net operating income | $3,711,000 | 1,418 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,067,000 | 1,479 |
| Total interest expense | $9,511,000 | 1,577 |
| Net interest income | $12,556,000 | 1,388 |
| Provision for loan and lease losses | $632,000 | 1,442 |
| Total noninterest income | $2,914,000 | 1,387 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,730,000 | 771 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,184,000 | 1,656 |
| Total noninterest expense | $10,249,000 | 1,362 |
| Salaries and employee benefits | $5,067,000 | 1,368 |
| Premises and equipment expense | $1,809,000 | 1,107 |
| Additional noninterest expense | $3,373,000 | 1,369 |
| Pre-tax net operating income | $4,589,000 | 1,638 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,148,000 | 1,993 |
| Income before extraordinary items | $3,441,000 | 1,555 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,441,000 | 1,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,489 |
| Cash dividends | $312,000 | 4,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,441,000 | 1,524 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,104,000 | 1,530 |
| Total interest expense | $9,313,000 | 1,655 |
| Net interest income | $11,791,000 | 1,423 |
| Provision for loan and lease losses | $720,000 | 1,275 |
| Total noninterest income | $2,690,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,361,000 | 912 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,329,000 | 1,515 |
| Total noninterest expense | $10,432,000 | 1,274 |
| Salaries and employee benefits | $5,081,000 | 1,289 |
| Premises and equipment expense | $1,774,000 | 1,084 |
| Additional noninterest expense | $3,577,000 | 1,248 |
| Pre-tax net operating income | $3,329,000 | 2,162 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,065,000 | 2,194 |
| Income before extraordinary items | $2,264,000 | 2,289 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,264,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,785 |
| Cash dividends | $312,000 | 4,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,264,000 | 2,210 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,494,000 | 1,888 |
| Total interest expense | $7,648,000 | 2,006 |
| Net interest income | $9,846,000 | 1,774 |
| Provision for loan and lease losses | $913,000 | 1,061 |
| Total noninterest income | $2,541,000 | 1,461 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,221,000 | 1,026 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,320,000 | 1,451 |
| Total noninterest expense | $8,841,000 | 1,492 |
| Salaries and employee benefits | $4,387,000 | 1,484 |
| Premises and equipment expense | $1,419,000 | 1,380 |
| Additional noninterest expense | $3,035,000 | 1,429 |
| Pre-tax net operating income | $2,633,000 | 2,787 |
| Securities gains (losses) | $-12,000 | 10,127 |
| Applicable income taxes | $844,000 | 2,811 |
| Income before extraordinary items | $1,777,000 | 2,864 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,777,000 | 2,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,668 |
| Cash dividends | $306,000 | 4,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,785,160 | 2,799 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,932,000 | 2,397 |
| Total interest expense | $5,687,000 | 2,674 |
| Net interest income | $8,245,000 | 2,185 |
| Provision for loan and lease losses | $428,000 | 1,977 |
| Total noninterest income | $2,453,000 | 1,572 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,056,000 | 1,267 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,397,000 | 1,442 |
| Total noninterest expense | $7,841,000 | 1,809 |
| Salaries and employee benefits | $4,244,000 | 1,568 |
| Premises and equipment expense | $1,109,000 | 1,807 |
| Additional noninterest expense | $2,488,000 | 2,016 |
| Pre-tax net operating income | $2,429,000 | 2,840 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $698,000 | 3,186 |
| Income before extraordinary items | $1,742,000 | 2,794 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,742,000 | 2,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,259 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,734,190 | 2,767 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,505,000 | 2,891 |
| Total interest expense | $4,570,000 | 3,272 |
| Net interest income | $6,935,000 | 2,584 |
| Provision for loan and lease losses | $369,000 | 1,977 |
| Total noninterest income | $1,519,000 | 2,264 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $935,000 | 1,461 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $584,000 | 2,582 |
| Total noninterest expense | $5,918,000 | 2,303 |
| Salaries and employee benefits | $3,061,000 | 2,166 |
| Premises and equipment expense | $796,000 | 2,485 |
| Additional noninterest expense | $2,061,000 | 2,343 |
| Pre-tax net operating income | $2,167,000 | 3,254 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $755,000 | 3,026 |
| Income before extraordinary items | $1,423,000 | 3,406 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,423,000 | 3,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,329 |
| Cash dividends | $260,000 | 4,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,415,850 | 3,393 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 3,436 |
| Total interest expense | $3,027,000 | 3,932 |
| Net interest income | $5,687,000 | 3,146 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $1,090,000 | 2,925 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $783,000 | 1,728 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $307,000 | 4,026 |
| Total noninterest expense | $4,753,000 | 2,902 |
| Salaries and employee benefits | $2,338,000 | 2,834 |
| Premises and equipment expense | $651,000 | 3,027 |
| Additional noninterest expense | $1,764,000 | 2,879 |
| Pre-tax net operating income | $1,709,000 | 3,949 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $583,000 | 3,600 |
| Income before extraordinary items | $1,126,000 | 4,090 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,126,000 | 4,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,044 |
| Cash dividends | $260,000 | 4,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,126,000 | 4,125 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,218,000 | 4,196 |
| Total interest expense | $2,490,000 | 4,822 |
| Net interest income | $4,728,000 | 3,762 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $927,000 | 3,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $693,000 | 1,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 5,192 |
| Total noninterest expense | $4,089,000 | 3,419 |
| Salaries and employee benefits | $2,014,000 | 3,264 |
| Premises and equipment expense | $541,000 | 3,625 |
| Additional noninterest expense | $1,534,000 | 3,445 |
| Pre-tax net operating income | $1,453,000 | 4,446 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $504,000 | 4,157 |
| Income before extraordinary items | $951,000 | 4,877 |
| Extraordinary gains, net | $-17,000 | 12,417 |
| Net income | $934,000 | 5,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,800 |
| Cash dividends | $260,000 | 4,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $949,700 | 4,661 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,816,000 | 4,939 |
| Total interest expense | $2,523,000 | 5,950 |
| Net interest income | $4,293,000 | 4,183 |
| Provision for loan and lease losses | $547,000 | 2,809 |
| Total noninterest income | $916,000 | 3,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $699,000 | 1,934 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 5,400 |
| Total noninterest expense | $3,448,000 | 3,978 |
| Salaries and employee benefits | $1,684,000 | 3,803 |
| Premises and equipment expense | $465,000 | 4,231 |
| Additional noninterest expense | $1,299,000 | 4,042 |
| Pre-tax net operating income | $1,214,000 | 4,875 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $428,000 | 4,544 |
| Income before extraordinary items | $786,000 | 5,435 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $786,000 | 5,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 2,776 |
| Cash dividends | $195,000 | 5,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $786,000 | 5,119 |
* 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.