Home > High Country Bank > Income and Expense

High Country Bank, Income and Expense

2003-12-31 (YTD Data)Rank
Total interest income$9,800,0002,885
Total interest expense$3,778,0002,345
Net interest income$6,022,0003,176
Provision for loan and lease losses$930,0001,271
Total noninterest income$3,113,0001,634
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,072,0001,595
Trading account gains and fees$0160
Additional Noninterest Income$2,041,0001,450
Total noninterest expense$6,238,0002,507
Salaries and employee benefits$3,431,0002,456
Premises and equipment expense$699,0003,084
Additional noninterest expense$2,108,0002,295
Pre-tax net operating income$1,967,0003,435
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$1,967,0002,902
Extraordinary gains, net$-2,061,0009,174
Net income$-94,0008,721
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$604,0001,385
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,967,0002,776
2003-09-30 (YTD Data)Rank
Total interest income$7,301,0002,942
Total interest expense$2,907,0002,366
Net interest income$4,394,0003,265
Provision for loan and lease losses$603,0001,398
Total noninterest income$2,258,0001,725
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$804,0001,609
Trading account gains and fees$0153
Additional Noninterest Income$1,454,0001,567
Total noninterest expense$4,571,0002,577
Salaries and employee benefits$2,613,0002,427
Premises and equipment expense$355,0004,226
Additional noninterest expense$1,603,0002,240
Pre-tax net operating income$1,478,0003,545
Securities gains (losses)$04,204
Applicable income taxes$534,0002,917
Income before extraordinary items$944,0004,132
Extraordinary gains, net$040
Net income$944,0004,132
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0001,745
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$944,0003,957
2003-06-30 (YTD Data)Rank
Total interest income$4,799,0003,009
Total interest expense$2,003,0002,369
Net interest income$2,796,0003,385
Provision for loan and lease losses$383,0001,457
Total noninterest income$1,481,0001,731
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$542,0001,565
Trading account gains and fees$0150
Additional Noninterest Income$939,0001,585
Total noninterest expense$3,021,0002,578
Salaries and employee benefits$1,727,0002,436
Premises and equipment expense$246,0004,101
Additional noninterest expense$1,048,0002,267
Pre-tax net operating income$873,0003,831
Securities gains (losses)$03,782
Applicable income taxes$318,0003,132
Income before extraordinary items$555,0004,516
Extraordinary gains, net$030
Net income$555,0004,515
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$185,0001,738
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$555,0004,300
2003-03-31 (YTD Data)Rank
Total interest income$2,363,0003,058
Total interest expense$1,006,0002,426
Net interest income$1,357,0003,448
Provision for loan and lease losses$172,0001,535
Total noninterest income$739,0001,699
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$266,0001,554
Trading account gains and fees$0134
Additional Noninterest Income$473,0001,546
Total noninterest expense$1,494,0002,597
Salaries and employee benefits$854,0002,469
Premises and equipment expense$120,0004,153
Additional noninterest expense$520,0002,251
Pre-tax net operating income$430,0003,873
Securities gains (losses)$02,891
Applicable income taxes$164,0003,062
Income before extraordinary items$266,0004,566
Extraordinary gains, net$021
Net income$266,0004,566
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0001,693
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$266,0004,354
2002-12-31 (YTD Data)Rank
Total interest income$9,306,0003,212
Total interest expense$4,188,0002,645
Net interest income$5,118,0003,600
Provision for loan and lease losses$587,0002,113
Total noninterest income$2,331,0001,888
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$647,0002,420
Trading account gains and fees$0153
Additional Noninterest Income$1,684,0001,503
Total noninterest expense$5,625,0002,626
Salaries and employee benefits$2,892,0002,721
Premises and equipment expense$634,0003,245
Additional noninterest expense$2,099,0002,205
Pre-tax net operating income$1,237,0004,623
Securities gains (losses)$04,537
Applicable income taxes$464,0003,603
Income before extraordinary items$773,0005,295
Extraordinary gains, net$070
Net income$773,0005,294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$205,0002,978
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$773,0005,159
2001-12-31 (YTD Data)Rank
Total interest income$8,258,0003,908
Total interest expense$4,611,0003,382
Net interest income$3,647,0004,436
Provision for loan and lease losses$395,0002,648
Total noninterest income$1,567,0002,431
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$372,0003,595
Trading account gains and fees$0177
Additional Noninterest Income$1,195,0001,808
Total noninterest expense$4,618,0003,022
Salaries and employee benefits$2,429,0003,019
Premises and equipment expense$489,0003,953
Additional noninterest expense$1,700,0002,593
Pre-tax net operating income$201,0007,880
Securities gains (losses)$1,0004,410
Applicable income taxes$16,0007,411
Income before extraordinary items$186,0007,828
Extraordinary gains, net$0105
Net income$186,0007,830
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0004,619
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$4,141,000216
Net operating income$185,0807,720
2000-12-31 (YTD Data)Rank
Total interest income$5,542,0005,360
Total interest expense$2,806,0005,173
Net interest income$2,736,0005,485
Provision for loan and lease losses$388,0002,334
Total noninterest income$678,0004,086
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$180,0005,355
Trading account gains and feesNANA
Additional Noninterest Income$498,0002,957
Total noninterest expense$2,491,0004,866
Salaries and employee benefits$1,344,0004,771
Premises and equipment expense$232,0006,291
Additional noninterest expense$915,0004,285
Pre-tax net operating income$535,0006,840
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$535,0006,145
Extraordinary gains, net$038
Net income$535,0006,143
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0004,647
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$535,0006,155
1999-12-31 (YTD Data)Rank
Total interest income$2,376,0008,042
Total interest expense$911,0008,416
Net interest income$1,465,0007,647
Provision for loan and lease losses$635,0001,434
Total noninterest income$355,0005,964
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$71,0007,328
Trading account gains and feesNANA
Additional Noninterest Income$284,0004,136
Total noninterest expense$1,712,0006,269
Salaries and employee benefits$834,0006,601
Premises and equipment expense$190,0006,970
Additional noninterest expense$688,0005,302
Pre-tax net operating income$-527,0009,869
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-527,0009,915
Extraordinary gains, net$035
Net income$-527,0009,913
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-527,0009,895
1998-12-31 (YTD Data)Rank
Total interest income$46,00010,437
Total interest expense$5,00010,421
Net interest income$41,00010,425
Provision for loan and lease losses$35,0007,178
Total noninterest income$3,00010,371
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,085
Trading account gains and feesNANA
Additional Noninterest Income$3,00010,282
Total noninterest expense$149,00010,413
Salaries and employee benefits$56,00010,419
Premises and equipment expense$39,00010,038
Additional noninterest expense$54,00010,369
Pre-tax net operating income$-140,0009,948
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-140,0009,989
Extraordinary gains, net$032
Net income$-140,0009,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$10,272,00092
Net operating income$-140,0009,952

* 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.