Home > Highlands Bank > Income and Expense
Highlands Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,851,000 | 5,798 |
| Total interest expense | $1,573,000 | 7,034 |
| Net interest income | $3,278,000 | 4,827 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,073,000 | 2,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $814,000 | 1,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,339 |
| Total noninterest expense | $3,137,000 | 3,957 |
| Salaries and employee benefits | $1,771,000 | 3,720 |
| Premises and equipment expense | $378,000 | 4,620 |
| Additional noninterest expense | $988,000 | 4,006 |
| Pre-tax net operating income | $1,214,000 | 4,847 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $288,000 | 5,275 |
| Income before extraordinary items | $926,000 | 4,739 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $926,000 | 4,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $577,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $926,000 | 4,651 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,040,000 | 6,626 |
| Total interest expense | $1,247,000 | 7,989 |
| Net interest income | $2,793,000 | 5,591 |
| Provision for loan and lease losses | $235,000 | 3,109 |
| Total noninterest income | $891,000 | 3,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $667,000 | 1,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 4,685 |
| Total noninterest expense | $2,401,000 | 4,950 |
| Salaries and employee benefits | $1,359,000 | 4,615 |
| Premises and equipment expense | $280,000 | 5,660 |
| Additional noninterest expense | $762,000 | 4,907 |
| Pre-tax net operating income | $1,048,000 | 5,691 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $307,000 | 5,662 |
| Income before extraordinary items | $741,000 | 5,717 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $741,000 | 5,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,783 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $741,000 | 5,672 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,357,000 | 7,553 |
| Total interest expense | $1,022,000 | 8,936 |
| Net interest income | $2,335,000 | 6,507 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $892,000 | 3,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $656,000 | 2,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,706 |
| Total noninterest expense | $2,222,000 | 5,497 |
| Salaries and employee benefits | $1,259,000 | 4,986 |
| Premises and equipment expense | $264,000 | 6,054 |
| Additional noninterest expense | $699,000 | 5,756 |
| Pre-tax net operating income | $1,005,000 | 5,723 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $291,000 | 5,930 |
| Income before extraordinary items | $714,000 | 5,700 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $714,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $714,000 | 5,645 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,003,000 | 8,197 |
| Total interest expense | $850,000 | 9,788 |
| Net interest income | $2,153,000 | 6,978 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $847,000 | 3,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $627,000 | 2,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $220,000 | 4,847 |
| Total noninterest expense | $2,072,000 | 5,826 |
| Salaries and employee benefits | $1,142,000 | 5,435 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $707,000 | 5,798 |
| Pre-tax net operating income | $928,000 | 6,287 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $279,000 | 6,262 |
| Income before extraordinary items | $650,000 | 6,316 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $650,000 | 6,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,497 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $649,300 | 6,298 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,392,000 | 9,109 |
| Total interest expense | $644,000 | 10,378 |
| Net interest income | $1,748,000 | 8,179 |
| Provision for loan and lease losses | $-150,000 | 12,259 |
| Total noninterest income | $786,000 | 3,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $603,000 | 2,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,560 |
| Total noninterest expense | $1,905,000 | 6,441 |
| Salaries and employee benefits | $1,003,000 | 6,071 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $682,000 | 6,455 |
| Pre-tax net operating income | $779,000 | 6,977 |
| Securities gains (losses) | $86,000 | 841 |
| Applicable income taxes | $268,000 | 6,277 |
| Income before extraordinary items | $597,000 | 6,575 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $597,000 | 6,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-114,000 | 12,269 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $537,660 | 7,070 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 9,727 |
| Total interest expense | $630,000 | 10,972 |
| Net interest income | $1,595,000 | 8,814 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $828,000 | 3,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 5,046 |
| Total noninterest expense | $1,856,000 | 6,741 |
| Salaries and employee benefits | $832,000 | 7,127 |
| Premises and equipment expense | $235,000 | 6,992 |
| Additional noninterest expense | $789,000 | 5,984 |
| Pre-tax net operating income | $567,000 | 8,179 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $193,000 | 7,749 |
| Income before extraordinary items | $374,000 | 8,697 |
| Extraordinary gains, net | $-69,000 | 12,820 |
| Net income | $305,000 | 9,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 12,335 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $374,000 | 8,437 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,389,000 | 10,112 |
| Total interest expense | $805,000 | 11,307 |
| Net interest income | $1,584,000 | 8,998 |
| Provision for loan and lease losses | $157,000 | 5,959 |
| Total noninterest income | $796,000 | 3,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 6,009 |
| Total noninterest expense | $1,837,000 | 6,830 |
| Salaries and employee benefits | $812,000 | 7,194 |
| Premises and equipment expense | $243,000 | 6,920 |
| Additional noninterest expense | $782,000 | 6,192 |
| Pre-tax net operating income | $386,000 | 9,365 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $130,000 | 9,108 |
| Income before extraordinary items | $256,000 | 9,837 |
| Extraordinary gains, net | $8,000 | 1,365 |
| Net income | $264,000 | 9,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 4,307 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $256,000 | 9,474 |
* 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.