Home > Bank of Grand Junction > Income and Expense
Bank of Grand Junction, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,658,000 | 6,081 |
| Total interest expense | $600,000 | 6,851 |
| Net interest income | $2,058,000 | 5,627 |
| Provision for loan and lease losses | $21,000 | 6,714 |
| Total noninterest income | $404,000 | 5,287 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $272,000 | 3,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $132,000 | 5,579 |
| Total noninterest expense | $1,735,000 | 5,474 |
| Salaries and employee benefits | $1,021,000 | 5,182 |
| Premises and equipment expense | $203,000 | 5,970 |
| Additional noninterest expense | $511,000 | 5,557 |
| Pre-tax net operating income | $706,000 | 5,476 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $224,000 | 4,478 |
| Income before extraordinary items | $482,000 | 5,942 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $482,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $105,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $482,000 | 5,773 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 5,973 |
| Total interest expense | $434,000 | 6,776 |
| Net interest income | $1,419,000 | 5,506 |
| Provision for loan and lease losses | $7,000 | 6,972 |
| Total noninterest income | $261,000 | 5,347 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $176,000 | 3,918 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $85,000 | 5,621 |
| Total noninterest expense | $1,160,000 | 5,452 |
| Salaries and employee benefits | $680,000 | 5,190 |
| Premises and equipment expense | $134,000 | 5,977 |
| Additional noninterest expense | $346,000 | 5,509 |
| Pre-tax net operating income | $513,000 | 5,256 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $166,000 | 4,313 |
| Income before extraordinary items | $347,000 | 5,751 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $347,000 | 5,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $60,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $347,000 | 5,545 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $952,000 | 5,928 |
| Total interest expense | $229,000 | 6,722 |
| Net interest income | $723,000 | 5,443 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $117,000 | 5,510 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 4,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 5,938 |
| Total noninterest expense | $577,000 | 5,474 |
| Salaries and employee benefits | $339,000 | 5,203 |
| Premises and equipment expense | $64,000 | 6,109 |
| Additional noninterest expense | $174,000 | 5,473 |
| Pre-tax net operating income | $258,000 | 5,192 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $79,000 | 4,379 |
| Income before extraordinary items | $179,000 | 5,596 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $179,000 | 5,399 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,791,000 | 6,077 |
| Total interest expense | $1,037,000 | 6,841 |
| Net interest income | $2,754,000 | 5,587 |
| Provision for loan and lease losses | $-125,000 | 9,274 |
| Total noninterest income | $570,000 | 4,864 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $375,000 | 3,688 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 5,085 |
| Total noninterest expense | $2,358,000 | 5,285 |
| Salaries and employee benefits | $1,386,000 | 4,974 |
| Premises and equipment expense | $273,000 | 5,856 |
| Additional noninterest expense | $699,000 | 5,407 |
| Pre-tax net operating income | $1,091,000 | 4,982 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $284,000 | 4,536 |
| Income before extraordinary items | $808,000 | 5,180 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $808,000 | 5,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,517 |
| Cash dividends | $120,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $807,260 | 5,038 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,178,000 | 6,218 |
| Total interest expense | $1,302,000 | 7,401 |
| Net interest income | $2,876,000 | 5,229 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $633,000 | 4,455 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $380,000 | 3,548 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $253,000 | 4,474 |
| Total noninterest expense | $2,488,000 | 4,966 |
| Salaries and employee benefits | $1,427,000 | 4,686 |
| Premises and equipment expense | $300,000 | 5,518 |
| Additional noninterest expense | $761,000 | 4,964 |
| Pre-tax net operating income | $901,000 | 5,193 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $271,000 | 4,470 |
| Income before extraordinary items | $630,000 | 5,487 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $630,000 | 5,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $297,000 | 4,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $630,000 | 5,368 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 6,376 |
| Total interest expense | $1,133,000 | 7,943 |
| Net interest income | $2,999,000 | 5,165 |
| Provision for loan and lease losses | $104,000 | 5,223 |
| Total noninterest income | $545,000 | 4,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 3,779 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,616 |
| Total noninterest expense | $2,262,000 | 5,222 |
| Salaries and employee benefits | $1,391,000 | 4,643 |
| Premises and equipment expense | $248,000 | 6,081 |
| Additional noninterest expense | $623,000 | 5,638 |
| Pre-tax net operating income | $1,178,000 | 4,769 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $377,000 | 4,109 |
| Income before extraordinary items | $798,000 | 5,058 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $798,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,105 |
| Cash dividends | $219,000 | 4,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $800,040 | 5,047 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 6,850 |
| Total interest expense | $1,005,000 | 8,168 |
| Net interest income | $2,471,000 | 5,842 |
| Provision for loan and lease losses | $68,000 | 5,976 |
| Total noninterest income | $523,000 | 4,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 3,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $2,261,000 | 5,221 |
| Salaries and employee benefits | $1,303,000 | 4,863 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $716,000 | 5,167 |
| Pre-tax net operating income | $665,000 | 6,453 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $155,000 | 6,214 |
| Income before extraordinary items | $510,000 | 6,373 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $510,000 | 6,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $226,000 | 5,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $510,000 | 6,352 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,164,000 | 7,336 |
| Total interest expense | $899,000 | 8,693 |
| Net interest income | $2,265,000 | 6,190 |
| Provision for loan and lease losses | $53,000 | 6,503 |
| Total noninterest income | $651,000 | 4,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 3,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,812 |
| Total noninterest expense | $1,859,000 | 5,859 |
| Salaries and employee benefits | $1,024,000 | 5,688 |
| Premises and equipment expense | $206,000 | 6,617 |
| Additional noninterest expense | $629,000 | 5,561 |
| Pre-tax net operating income | $1,004,000 | 5,399 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $344,000 | 4,806 |
| Income before extraordinary items | $660,000 | 5,770 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $660,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $660,000 | 5,663 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 7,794 |
| Total interest expense | $812,000 | 9,221 |
| Net interest income | $2,154,000 | 6,611 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $464,000 | 5,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,180 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,301 |
| Total noninterest expense | $1,702,000 | 6,284 |
| Salaries and employee benefits | $979,000 | 5,937 |
| Premises and equipment expense | $193,000 | 6,970 |
| Additional noninterest expense | $530,000 | 6,280 |
| Pre-tax net operating income | $874,000 | 6,236 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $278,000 | 5,939 |
| Income before extraordinary items | $596,000 | 6,399 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $596,000 | 6,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,017 |
| Cash dividends | $345,000 | 4,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $596,000 | 6,340 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,820,000 | 8,248 |
| Total interest expense | $835,000 | 9,530 |
| Net interest income | $1,985,000 | 7,180 |
| Provision for loan and lease losses | $59,000 | 6,328 |
| Total noninterest income | $424,000 | 5,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $1,557,000 | 6,953 |
| Salaries and employee benefits | $902,000 | 6,458 |
| Premises and equipment expense | $197,000 | 7,082 |
| Additional noninterest expense | $458,000 | 7,398 |
| Pre-tax net operating income | $793,000 | 6,536 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $257,000 | 6,358 |
| Income before extraordinary items | $536,000 | 6,651 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $536,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,474 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $536,000 | 6,590 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 8,725 |
| Total interest expense | $703,000 | 10,301 |
| Net interest income | $1,939,000 | 7,437 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $383,000 | 6,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $1,295,000 | 7,875 |
| Salaries and employee benefits | $795,000 | 7,122 |
| Premises and equipment expense | $194,000 | 7,315 |
| Additional noninterest expense | $306,000 | 9,183 |
| Pre-tax net operating income | $1,019,000 | 5,916 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $353,000 | 5,401 |
| Income before extraordinary items | $662,000 | 6,224 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $662,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $280,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $664,600 | 6,189 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 9,479 |
| Total interest expense | $437,000 | 11,404 |
| Net interest income | $1,734,000 | 8,215 |
| Provision for loan and lease losses | $43,000 | 6,473 |
| Total noninterest income | $389,000 | 6,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,407 |
| Total noninterest expense | $1,306,000 | 8,215 |
| Salaries and employee benefits | $721,000 | 7,723 |
| Premises and equipment expense | $208,000 | 7,250 |
| Additional noninterest expense | $377,000 | 9,069 |
| Pre-tax net operating income | $774,000 | 7,016 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $544,000 | 6,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $544,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $49,000 | 8,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $544,000 | 7,012 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,848,000 | 10,494 |
| Total interest expense | $423,000 | 12,118 |
| Net interest income | $1,425,000 | 9,347 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $403,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 4,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $1,307,000 | 8,481 |
| Salaries and employee benefits | $662,000 | 8,283 |
| Premises and equipment expense | $235,000 | 6,992 |
| Additional noninterest expense | $410,000 | 9,154 |
| Pre-tax net operating income | $455,000 | 8,985 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $96,000 | 9,830 |
| Income before extraordinary items | $359,000 | 8,843 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $359,000 | 9,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 11,674 |
| Cash dividends | $34,000 | 8,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $359,000 | 8,583 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 11,550 |
| Total interest expense | $538,000 | 12,582 |
| Net interest income | $1,145,000 | 10,532 |
| Provision for loan and lease losses | $102,000 | 7,202 |
| Total noninterest income | $355,000 | 7,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,061,000 | 9,704 |
| Salaries and employee benefits | $548,000 | 9,291 |
| Premises and equipment expense | $197,000 | 7,902 |
| Additional noninterest expense | $316,000 | 10,607 |
| Pre-tax net operating income | $337,000 | 9,802 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $119,000 | 9,396 |
| Income before extraordinary items | $218,000 | 10,351 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $218,000 | 10,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 5,904 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $218,000 | 10,003 |
* 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.