Home > Highland Bank > Income and Expense
Highland Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,223,000 | 2,296 |
| Total interest expense | $6,987,000 | 2,155 |
| Net interest income | $7,236,000 | 2,406 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $1,083,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $929,000 | 1,387 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $154,000 | 5,614 |
| Total noninterest expense | $5,515,000 | 2,347 |
| Salaries and employee benefits | $2,110,000 | 3,137 |
| Premises and equipment expense | $678,000 | 2,828 |
| Additional noninterest expense | $2,727,000 | 1,572 |
| Pre-tax net operating income | $2,639,000 | 2,780 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $1,000,000 | 2,437 |
| Income before extraordinary items | $1,654,000 | 3,069 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,654,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,394 |
| Cash dividends | $1,200,000 | 1,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,644,400 | 3,026 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,112,000 | 2,551 |
| Total interest expense | $6,661,000 | 2,314 |
| Net interest income | $6,451,000 | 2,744 |
| Provision for loan and lease losses | $266,000 | 2,835 |
| Total noninterest income | $1,188,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,004,000 | 1,338 |
| Trading account gains and fees | $-27,000 | 4,662 |
| Additional Noninterest Income | $211,000 | 5,022 |
| Total noninterest expense | $4,909,000 | 2,788 |
| Salaries and employee benefits | $2,211,000 | 3,023 |
| Premises and equipment expense | $642,000 | 3,003 |
| Additional noninterest expense | $2,056,000 | 2,395 |
| Pre-tax net operating income | $2,464,000 | 2,804 |
| Securities gains (losses) | $27,000 | 1,767 |
| Applicable income taxes | $491,000 | 4,206 |
| Income before extraordinary items | $2,000,000 | 2,467 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,000,000 | 2,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,216 |
| Cash dividends | $1,130,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 11,337 |
| Net operating income | $1,978,400 | 2,432 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,050,000 | 3,988 |
| Total interest expense | $4,337,000 | 3,441 |
| Net interest income | $3,713,000 | 4,619 |
| Provision for loan and lease losses | $-24,000 | 11,495 |
| Total noninterest income | $671,000 | 4,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,456 |
| Total noninterest expense | $3,254,000 | 4,006 |
| Salaries and employee benefits | $1,365,000 | 4,664 |
| Premises and equipment expense | $420,000 | 4,345 |
| Additional noninterest expense | $1,469,000 | 3,144 |
| Pre-tax net operating income | $1,154,000 | 5,401 |
| Securities gains (losses) | $47,000 | 1,345 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $1,201,000 | 3,956 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,201,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 11,095 |
| Cash dividends | $483,000 | 3,439 |
| Sale, conversion, retirement of capital stock, net | $327,000 | 427 |
| Net operating income | $1,154,000 | 4,066 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,482,000 | 5,257 |
| Total interest expense | $2,640,000 | 4,424 |
| Net interest income | $2,842,000 | 5,847 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $534,000 | 5,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,371 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,759 |
| Total noninterest expense | $2,508,000 | 5,145 |
| Salaries and employee benefits | $773,000 | 7,359 |
| Premises and equipment expense | $361,000 | 4,981 |
| Additional noninterest expense | $1,374,000 | 3,589 |
| Pre-tax net operating income | $823,000 | 6,758 |
| Securities gains (losses) | $23,000 | 1,661 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $846,000 | 5,138 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $846,000 | 5,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,513 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,667,000 | 334 |
| Net operating income | $823,000 | 5,311 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 6,107 |
| Total interest expense | $2,154,000 | 5,492 |
| Net interest income | $2,529,000 | 6,483 |
| Provision for loan and lease losses | $26,000 | 8,647 |
| Total noninterest income | $319,000 | 7,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $2,305,000 | 5,655 |
| Salaries and employee benefits | $976,000 | 6,267 |
| Premises and equipment expense | $327,000 | 5,499 |
| Additional noninterest expense | $1,002,000 | 4,914 |
| Pre-tax net operating income | $517,000 | 8,553 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $565,000 | 7,040 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $565,000 | 7,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-189,000 | 13,102 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $517,000 | 7,169 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,718,000 | 6,655 |
| Total interest expense | $2,273,000 | 6,460 |
| Net interest income | $2,445,000 | 6,700 |
| Provision for loan and lease losses | $382,000 | 3,560 |
| Total noninterest income | $340,000 | 7,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,597 |
| Total noninterest expense | $2,173,000 | 5,985 |
| Salaries and employee benefits | $790,000 | 7,318 |
| Premises and equipment expense | $405,000 | 4,746 |
| Additional noninterest expense | $978,000 | 5,134 |
| Pre-tax net operating income | $230,000 | 10,788 |
| Securities gains (losses) | $120,000 | 2,718 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $350,000 | 8,724 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $350,000 | 8,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 2,450 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $230,000 | 9,825 |
* 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.