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Highland Lakes Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$695,0006,930
Total interest expense$369,0005,280
Net interest income$326,0007,759
Provision for loan and lease losses$06,934
Total noninterest income$143,0005,006
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$28,0006,375
Trading account gains and fees$0134
Additional Noninterest Income$115,0003,679
Total noninterest expense$399,0006,727
Salaries and employee benefits$231,0006,532
Premises and equipment expense$-24,0009,306
Additional noninterest expense$192,0005,116
Pre-tax net operating income$70,0007,672
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$70,0007,482
Extraordinary gains, net$021
Net income$70,0007,483
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,762
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$70,0007,334
2002-12-31 (YTD Data)Rank
Total interest income$3,587,0006,264
Total interest expense$1,651,0005,429
Net interest income$1,936,0006,727
Provision for loan and lease losses$625,0001,990
Total noninterest income$802,0003,993
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$111,0006,388
Trading account gains and fees$0153
Additional Noninterest Income$691,0002,729
Total noninterest expense$1,882,0006,090
Salaries and employee benefits$1,256,0005,318
Premises and equipment expense$76,0008,504
Additional noninterest expense$550,0006,227
Pre-tax net operating income$231,0007,820
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$231,0007,673
Extraordinary gains, net$070
Net income$231,0007,672
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$560,0001,524
Cash dividends$72,0005,795
Sale, conversion, retirement of capital stock, net$0862
Net operating income$231,0007,583
2001-12-31 (YTD Data)Rank
Total interest income$5,144,0005,521
Total interest expense$2,299,0005,665
Net interest income$2,845,0005,268
Provision for loan and lease losses$08,228
Total noninterest income$482,0005,162
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$127,0006,132
Trading account gains and fees$0177
Additional Noninterest Income$355,0003,780
Total noninterest expense$2,192,0005,398
Salaries and employee benefits$1,494,0004,526
Premises and equipment expense$82,0008,588
Additional noninterest expense$616,0005,735
Pre-tax net operating income$1,135,0004,570
Securities gains (losses)$72,0002,029
Applicable income taxes$07,903
Income before extraordinary items$1,207,0003,786
Extraordinary gains, net$0105
Net income$1,207,0003,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,648
Cash dividends$1,674,0001,527
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,135,0003,819
2000-12-31 (YTD Data)Rank
Total interest income$6,266,0004,934
Total interest expense$2,962,0004,967
Net interest income$3,304,0004,817
Provision for loan and lease losses$100,0005,274
Total noninterest income$873,0003,461
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$97,0006,628
Trading account gains and fees$0180
Additional Noninterest Income$776,0002,191
Total noninterest expense$2,182,0005,364
Salaries and employee benefits$1,372,0004,694
Premises and equipment expense$126,0007,998
Additional noninterest expense$684,0005,265
Pre-tax net operating income$1,895,0003,461
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$1,895,0002,689
Extraordinary gains, net$038
Net income$1,895,0002,688
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,164
Cash dividends$1,200,0001,976
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,895,0002,687
1999-12-31 (YTD Data)Rank
Total interest income$6,073,0004,908
Total interest expense$2,802,0004,854
Net interest income$3,271,0004,864
Provision for loan and lease losses$125,0004,648
Total noninterest income$1,095,0002,895
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$91,0006,892
Trading account gains and fees$0173
Additional Noninterest Income$1,004,0001,859
Total noninterest expense$2,479,0004,917
Salaries and employee benefits$1,443,0004,475
Premises and equipment expense$145,0007,752
Additional noninterest expense$891,0004,418
Pre-tax net operating income$1,762,0003,667
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$1,762,0002,858
Extraordinary gains, net$035
Net income$1,762,0002,859
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$280,0001,917
Cash dividends$2,500,0001,126
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,762,0002,832
1998-12-31 (YTD Data)Rank
Total interest income$7,252,0004,273
Total interest expense$2,863,0004,889
Net interest income$4,389,0003,819
Provision for loan and lease losses$303,0002,552
Total noninterest income$332,0006,183
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$104,0006,786
Trading account gains and fees$0224
Additional Noninterest Income$228,0004,641
Total noninterest expense$2,179,0005,263
Salaries and employee benefits$1,421,0004,443
Premises and equipment expense$165,0007,336
Additional noninterest expense$593,0005,795
Pre-tax net operating income$2,239,0003,048
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$2,239,0002,303
Extraordinary gains, net$032
Net income$2,239,0002,302
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$303,0001,838
Cash dividends$2,260,0001,210
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,239,0002,230
1997-12-31 (YTD Data)Rank
Total interest income$7,147,0004,424
Total interest expense$2,842,0004,935
Net interest income$4,305,0003,964
Provision for loan and lease losses$08,829
Total noninterest income$405,0005,686
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$94,0007,332
Trading account gains and fees$0239
Additional Noninterest Income$311,0003,838
Total noninterest expense$3,059,0004,029
Salaries and employee benefits$1,372,0004,584
Premises and equipment expense$213,0006,604
Additional noninterest expense$1,474,0002,774
Pre-tax net operating income$1,651,0004,133
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$1,651,0003,074
Extraordinary gains, net$044
Net income$1,651,0003,073
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$179,0002,715
Cash dividends$460,0003,658
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,651,0003,016
1996-12-31 (YTD Data)Rank
Total interest income$7,455,0004,310
Total interest expense$2,906,0004,931
Net interest income$4,549,0003,863
Provision for loan and lease losses$09,041
Total noninterest income$547,0004,861
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$100,0007,492
Trading account gains and fees$0262
Additional Noninterest Income$447,0003,155
Total noninterest expense$2,851,0004,478
Salaries and employee benefits$1,750,0003,760
Premises and equipment expense$374,0004,781
Additional noninterest expense$727,0005,587
Pre-tax net operating income$2,245,0003,098
Securities gains (losses)$04,148
Applicable income taxes$737,0003,064
Income before extraordinary items$1,508,0003,172
Extraordinary gains, net$053
Net income$1,508,0003,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0004,696
Cash dividends$2,595,0001,069
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,508,0003,138
1995-12-31 (YTD Data)Rank
Total interest income$8,028,0004,003
Total interest expense$3,083,0004,637
Net interest income$4,945,0003,580
Provision for loan and lease losses$08,958
Total noninterest income$636,0004,392
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$108,0007,593
Trading account gains and fees$0522
Additional Noninterest Income$528,0002,770
Total noninterest expense$3,317,0003,937
Salaries and employee benefits$2,083,0003,184
Premises and equipment expense$431,0004,254
Additional noninterest expense$803,0005,238
Pre-tax net operating income$2,264,0003,133
Securities gains (losses)$03,831
Applicable income taxes$733,0003,115
Income before extraordinary items$1,531,0003,189
Extraordinary gains, net$065
Net income$1,531,0003,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00010,842
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,531,0003,173
1994-12-31 (YTD Data)Rank
Total interest income$7,327,0004,052
Total interest expense$2,735,0004,291
Net interest income$4,592,0003,845
Provision for loan and lease losses$09,146
Total noninterest income$391,0006,228
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$105,0007,965
Trading account gains and fees$0475
Additional Noninterest Income$286,0004,225
Total noninterest expense$3,047,0004,347
Salaries and employee benefits$1,670,0003,887
Premises and equipment expense$511,0003,731
Additional noninterest expense$866,0005,354
Pre-tax net operating income$1,936,0003,524
Securities gains (losses)$150,000603
Applicable income taxes$495,0004,080
Income before extraordinary items$1,591,0003,022
Extraordinary gains, net$0249
Net income$1,591,0003,032
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-42,00011,786
Cash dividends$605,0002,771
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,477,0003,252
1993-12-31 (YTD Data)Rank
Total interest income$7,240,0004,187
Total interest expense$2,691,0004,526
Net interest income$4,549,0003,899
Provision for loan and lease losses$250,0003,377
Total noninterest income$343,0007,110
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$102,0008,306
Trading account gains and fees$0532
Additional Noninterest Income$241,0005,104
Total noninterest expense$2,890,0004,666
Salaries and employee benefits$1,514,0004,236
Premises and equipment expense$471,0004,080
Additional noninterest expense$905,0005,341
Pre-tax net operating income$1,752,0003,785
Securities gains (losses)$07,477
Applicable income taxes$703,0003,104
Income before extraordinary items$1,049,0004,516
Extraordinary gains, net$-91,00012,894
Net income$958,0004,989
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$133,0003,932
Cash dividends$125,0006,440
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,049,0004,273
1992-12-31 (YTD Data)Rank
Total interest income$6,813,0004,943
Total interest expense$3,488,0004,556
Net interest income$3,325,0005,251
Provision for loan and lease losses$773,0002,202
Total noninterest income$779,0004,048
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$118,0007,999
Trading account gains and fees$0504
Additional Noninterest Income$661,0002,645
Total noninterest expense$2,403,0005,481
Salaries and employee benefits$1,006,0005,994
Premises and equipment expense$432,0004,510
Additional noninterest expense$965,0005,204
Pre-tax net operating income$928,0005,956
Securities gains (losses)$797,000768
Applicable income taxes$590,0003,476
Income before extraordinary items$1,135,0004,004
Extraordinary gains, net$315,000298
Net income$1,450,0003,212
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$984,0001,581
Cash dividends$670,0002,217
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$608,9806,145

* 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.