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Colorado Business Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,376,000	7,535
Total interest expense	$956,000	9,166
Net interest income	$2,420,000	6,344
Provision for loan and lease losses	$168,000	3,843
Total noninterest income	$464,000	5,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$313,000	4,097
Trading account gains and fees	NA	NA
Additional Noninterest Income	$151,000	5,947
Total noninterest expense	$1,955,000	6,028
Salaries and employee benefits	$882,000	6,551
Premises and equipment expense	$297,000	5,639
Additional noninterest expense	$776,000	5,317
Pre-tax net operating income	$761,000	6,651
Securities gains (losses)	$0	4,148
Applicable income taxes	$316,000	5,656
Income before extraordinary items	$445,000	7,271
Extraordinary gains, net	$0	53
Net income	$445,000	7,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	10,789
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$445,000	7,213
1995-12-31 (YTD Data)		Rank
Total interest income	$1,901,000	9,882
Total interest expense	$482,000	11,082
Net interest income	$1,419,000	8,742
Provision for loan and lease losses	$118,000	4,263
Total noninterest income	$390,000	6,085
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$252,000	4,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	6,215
Total noninterest expense	$1,439,000	7,463
Salaries and employee benefits	$550,000	8,724
Premises and equipment expense	$221,000	6,820
Additional noninterest expense	$668,000	6,075
Pre-tax net operating income	$252,000	10,098
Securities gains (losses)	$0	3,831
Applicable income taxes	$108,000	9,021
Income before extraordinary items	$144,000	10,517
Extraordinary gains, net	$0	65
Net income	$144,000	10,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$144,000	10,486
1994-12-31 (YTD Data)		Rank
Total interest income	$440,000	12,445
Total interest expense	$101,000	12,509
Net interest income	$339,000	12,347
Provision for loan and lease losses	$5,000	8,812
Total noninterest income	$116,000	10,385
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$366,000	12,162
Salaries and employee benefits	$146,000	12,374
Premises and equipment expense	$54,000	11,490
Additional noninterest expense	$166,000	11,573
Pre-tax net operating income	$84,000	11,725
Securities gains (losses)	$0	3,600
Applicable income taxes	$53,000	10,390
Income before extraordinary items	$31,000	11,914
Extraordinary gains, net	$0	249
Net income	$31,000	11,913
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$31,000	11,956
1993-12-31 (YTD Data)		Rank
Total interest income	$939,000	12,417
Total interest expense	$238,000	12,876
Net interest income	$701,000	11,873
Provision for loan and lease losses	$5,000	10,098
Total noninterest income	$472,000	5,811
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$238,000	5,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$234,000	5,192
Total noninterest expense	$925,000	10,081
Salaries and employee benefits	$450,000	10,148
Premises and equipment expense	$160,000	8,641
Additional noninterest expense	$315,000	10,256
Pre-tax net operating income	$243,000	10,680
Securities gains (losses)	$0	7,477
Applicable income taxes	$87,000	10,051
Income before extraordinary items	$156,000	11,122
Extraordinary gains, net	$0	3,149
Net income	$156,000	11,208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	12,131
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$156,000	10,922
1992-12-31 (YTD Data)		Rank
Total interest income	$919,000	13,160
Total interest expense	$284,000	13,517
Net interest income	$635,000	12,588
Provision for loan and lease losses	$80,000	7,886
Total noninterest income	$402,000	6,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$196,000	6,071
Trading account gains and fees	NA	NA
Additional Noninterest Income	$206,000	5,582
Total noninterest expense	$882,000	10,595
Salaries and employee benefits	$429,000	10,530
Premises and equipment expense	$153,000	9,020
Additional noninterest expense	$300,000	10,820
Pre-tax net operating income	$75,000	12,240
Securities gains (losses)	$0	8,369
Applicable income taxes	$11,000	12,338
Income before extraordinary items	$64,000	12,420
Extraordinary gains, net	$0	1,422
Net income	$64,000	12,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	6,068
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$64,000	12,133

* 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.