Home > Community Banks of Southern Colorado > Income and Expense
Community Banks of Southern Colorado, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,990,000 | 4,264 |
| Total interest expense | $834,000 | 4,152 |
| Net interest income | $2,156,000 | 4,250 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $393,000 | 4,132 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $270,000 | 2,949 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 4,730 |
| Total noninterest expense | $1,669,000 | 4,326 |
| Salaries and employee benefits | $844,000 | 4,533 |
| Premises and equipment expense | $290,000 | 3,657 |
| Additional noninterest expense | $535,000 | 4,103 |
| Pre-tax net operating income | $880,000 | 3,861 |
| Securities gains (losses) | $48,000 | 1,489 |
| Applicable income taxes | $323,000 | 2,945 |
| Income before extraordinary items | $605,000 | 4,229 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $605,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,702 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $573,800 | 4,282 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 4,150 |
| Total interest expense | $426,000 | 4,140 |
| Net interest income | $1,136,000 | 4,077 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $183,000 | 4,279 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $126,000 | 3,056 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $57,000 | 4,851 |
| Total noninterest expense | $875,000 | 4,177 |
| Salaries and employee benefits | $452,000 | 4,342 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $272,000 | 4,048 |
| Pre-tax net operating income | $444,000 | 3,821 |
| Securities gains (losses) | $48,000 | 1,221 |
| Applicable income taxes | $171,000 | 2,842 |
| Income before extraordinary items | $321,000 | 4,090 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $321,000 | 4,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $289,800 | 4,237 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,988,000 | 3,832 |
| Total interest expense | $2,220,000 | 3,683 |
| Net interest income | $4,768,000 | 3,821 |
| Provision for loan and lease losses | $1,871,000 | 685 |
| Total noninterest income | $820,000 | 4,182 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $498,000 | 3,105 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $322,000 | 4,361 |
| Total noninterest expense | $4,002,000 | 3,720 |
| Salaries and employee benefits | $1,934,000 | 4,043 |
| Premises and equipment expense | $535,000 | 3,860 |
| Additional noninterest expense | $1,533,000 | 3,018 |
| Pre-tax net operating income | $-285,000 | 8,738 |
| Securities gains (losses) | $25,000 | 3,074 |
| Applicable income taxes | $-203,000 | 9,012 |
| Income before extraordinary items | $-57,000 | 8,697 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-57,000 | 8,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,458,000 | 696 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-73,000 | 8,631 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,357,000 | 3,806 |
| Total interest expense | $1,758,000 | 3,626 |
| Net interest income | $3,599,000 | 3,822 |
| Provision for loan and lease losses | $1,220,000 | 756 |
| Total noninterest income | $626,000 | 4,187 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $385,000 | 3,036 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $241,000 | 4,448 |
| Total noninterest expense | $2,967,000 | 3,736 |
| Salaries and employee benefits | $1,498,000 | 3,923 |
| Premises and equipment expense | $398,000 | 3,877 |
| Additional noninterest expense | $1,071,000 | 3,205 |
| Pre-tax net operating income | $38,000 | 8,505 |
| Securities gains (losses) | $25,000 | 2,828 |
| Applicable income taxes | $-70,000 | 9,038 |
| Income before extraordinary items | $133,000 | 8,024 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $133,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $776,000 | 822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $108,000 | 8,034 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,613,000 | 3,794 |
| Total interest expense | $1,242,000 | 3,563 |
| Net interest income | $2,371,000 | 3,860 |
| Provision for loan and lease losses | $920,000 | 681 |
| Total noninterest income | $446,000 | 4,000 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $269,000 | 2,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $177,000 | 4,260 |
| Total noninterest expense | $1,980,000 | 3,724 |
| Salaries and employee benefits | $1,028,000 | 3,822 |
| Premises and equipment expense | $272,000 | 3,781 |
| Additional noninterest expense | $680,000 | 3,319 |
| Pre-tax net operating income | $-83,000 | 8,806 |
| Securities gains (losses) | $25,000 | 2,481 |
| Applicable income taxes | $-44,000 | 9,074 |
| Income before extraordinary items | $-14,000 | 8,804 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-14,000 | 8,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $734,000 | 647 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-30,000 | 8,732 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,817,000 | 3,793 |
| Total interest expense | $616,000 | 3,666 |
| Net interest income | $1,201,000 | 3,817 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $219,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $132,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $87,000 | 4,189 |
| Total noninterest expense | $928,000 | 3,901 |
| Salaries and employee benefits | $520,000 | 3,787 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $282,000 | 3,842 |
| Pre-tax net operating income | $447,000 | 3,774 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $156,000 | 3,152 |
| Income before extraordinary items | $291,000 | 4,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $291,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,096 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $291,000 | 4,140 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,107,000 | 4,002 |
| Total interest expense | $2,805,000 | 3,738 |
| Net interest income | $4,302,000 | 4,126 |
| Provision for loan and lease losses | $279,000 | 3,616 |
| Total noninterest income | $738,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $440,000 | 3,295 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $298,000 | 4,273 |
| Total noninterest expense | $3,207,000 | 4,241 |
| Salaries and employee benefits | $1,808,000 | 4,073 |
| Premises and equipment expense | $458,000 | 4,217 |
| Additional noninterest expense | $941,000 | 4,384 |
| Pre-tax net operating income | $1,554,000 | 4,024 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $547,000 | 3,279 |
| Income before extraordinary items | $1,007,000 | 4,566 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,007,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 2,343 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,007,000 | 4,453 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,922,000 | 4,468 |
| Total interest expense | $2,874,000 | 4,887 |
| Net interest income | $4,048,000 | 4,090 |
| Provision for loan and lease losses | $208,000 | 4,047 |
| Total noninterest income | $733,000 | 4,072 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $462,000 | 3,031 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $271,000 | 4,328 |
| Total noninterest expense | $2,593,000 | 4,835 |
| Salaries and employee benefits | $1,382,000 | 4,806 |
| Premises and equipment expense | $370,000 | 4,847 |
| Additional noninterest expense | $841,000 | 4,628 |
| Pre-tax net operating income | $1,980,000 | 3,190 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $706,000 | 2,655 |
| Income before extraordinary items | $1,274,000 | 3,641 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,274,000 | 3,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,152 |
| Cash dividends | $1,090,000 | 2,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,274,000 | 3,544 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,611,000 | 7,801 |
| Total interest expense | $903,000 | 8,431 |
| Net interest income | $1,708,000 | 7,102 |
| Provision for loan and lease losses | $49,000 | 6,605 |
| Total noninterest income | $305,000 | 6,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,275 |
| Total noninterest expense | $1,099,000 | 7,744 |
| Salaries and employee benefits | $632,000 | 7,530 |
| Premises and equipment expense | $152,000 | 7,569 |
| Additional noninterest expense | $315,000 | 7,826 |
| Pre-tax net operating income | $865,000 | 5,656 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $303,000 | 4,580 |
| Income before extraordinary items | $562,000 | 6,030 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $562,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $587,000 | 3,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $562,000 | 6,036 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 8,397 |
| Total interest expense | $653,000 | 9,062 |
| Net interest income | $1,437,000 | 7,713 |
| Provision for loan and lease losses | $43,000 | 6,780 |
| Total noninterest income | $362,000 | 5,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 5,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 4,951 |
| Total noninterest expense | $972,000 | 8,212 |
| Salaries and employee benefits | $567,000 | 7,923 |
| Premises and equipment expense | $189,000 | 6,987 |
| Additional noninterest expense | $216,000 | 8,879 |
| Pre-tax net operating income | $784,000 | 5,992 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $274,000 | 5,011 |
| 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 | $5,000 | 7,271 |
| Cash dividends | $471,000 | 3,645 |
| 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 | $1,960,000 | 8,731 |
| Total interest expense | $605,000 | 9,460 |
| Net interest income | $1,355,000 | 7,988 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $312,000 | 6,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,537 |
| Total noninterest expense | $909,000 | 8,401 |
| Salaries and employee benefits | $543,000 | 8,096 |
| Premises and equipment expense | $169,000 | 7,251 |
| Additional noninterest expense | $197,000 | 9,154 |
| Pre-tax net operating income | $734,000 | 6,362 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $270,000 | 5,455 |
| Income before extraordinary items | $464,000 | 6,821 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $464,000 | 6,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $339,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $464,000 | 6,715 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 9,228 |
| Total interest expense | $594,000 | 9,842 |
| Net interest income | $1,238,000 | 8,605 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $366,000 | 6,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,893 |
| Total noninterest expense | $833,000 | 8,916 |
| Salaries and employee benefits | $495,000 | 8,637 |
| Premises and equipment expense | $163,000 | 7,518 |
| Additional noninterest expense | $175,000 | 9,721 |
| Pre-tax net operating income | $771,000 | 6,676 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $266,000 | 6,081 |
| Income before extraordinary items | $505,000 | 6,933 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $505,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $539,000 | 3,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $505,000 | 6,874 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 9,518 |
| Total interest expense | $651,000 | 10,113 |
| Net interest income | $1,241,000 | 8,929 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $300,000 | 6,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,566 |
| Total noninterest expense | $855,000 | 9,213 |
| Salaries and employee benefits | $493,000 | 8,944 |
| Premises and equipment expense | $177,000 | 7,497 |
| Additional noninterest expense | $185,000 | 10,110 |
| Pre-tax net operating income | $686,000 | 6,999 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $233,000 | 6,668 |
| Income before extraordinary items | $453,000 | 7,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $453,000 | 7,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $425,000 | 3,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $453,000 | 7,165 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 9,871 |
| Total interest expense | $753,000 | 10,113 |
| Net interest income | $1,155,000 | 9,467 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $281,000 | 7,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,838 |
| Total noninterest expense | $819,000 | 9,694 |
| Salaries and employee benefits | $483,000 | 9,260 |
| Premises and equipment expense | $145,000 | 8,397 |
| Additional noninterest expense | $191,000 | 10,529 |
| Pre-tax net operating income | $617,000 | 7,792 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $200,000 | 7,408 |
| Income before extraordinary items | $417,000 | 7,903 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $417,000 | 7,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $287,000 | 4,678 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $417,000 | 7,877 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 10,598 |
| Total interest expense | $557,000 | 10,820 |
| Net interest income | $1,009,000 | 10,359 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $272,000 | 7,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,194 |
| Total noninterest expense | $735,000 | 10,539 |
| Salaries and employee benefits | $438,000 | 9,934 |
| Premises and equipment expense | $105,000 | 9,868 |
| Additional noninterest expense | $192,000 | 11,243 |
| Pre-tax net operating income | $546,000 | 8,343 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $358,000 | 8,569 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $358,000 | 8,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $358,000 | 8,618 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 11,669 |
| Total interest expense | $385,000 | 12,292 |
| Net interest income | $922,000 | 11,069 |
| Provision for loan and lease losses | $-20,000 | 12,579 |
| Total noninterest income | $230,000 | 8,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,730 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $673,000 | 11,294 |
| Salaries and employee benefits | $408,000 | 10,552 |
| Premises and equipment expense | $90,000 | 10,795 |
| Additional noninterest expense | $175,000 | 12,089 |
| Pre-tax net operating income | $499,000 | 8,664 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $175,000 | 8,105 |
| Income before extraordinary items | $324,000 | 9,192 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $324,000 | 9,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $324,000 | 8,939 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 11,928 |
| Total interest expense | $513,000 | 12,711 |
| Net interest income | $1,004,000 | 11,088 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $223,000 | 8,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $645,000 | 11,801 |
| Salaries and employee benefits | $380,000 | 11,094 |
| Premises and equipment expense | $90,000 | 11,109 |
| Additional noninterest expense | $175,000 | 12,598 |
| Pre-tax net operating income | $578,000 | 7,876 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $147,000 | 8,689 |
| Income before extraordinary items | $431,000 | 7,921 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $431,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $431,000 | 7,563 |
* 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.