Home > Larimer Bank of Commerce > Income and Expense

Larimer Bank of Commerce, Income and Expense

2010-12-31 (YTD Data)Rank
Total interest income$5,354,0004,628
Total interest expense$1,758,0003,887
Net interest income$3,596,0004,878
Provision for loan and lease losses$699,0003,602
Total noninterest income$98,0006,688
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$25,0006,566
Trading account gains and fees$0175
Additional Noninterest Income$73,0005,772
Total noninterest expense$1,629,0006,374
Salaries and employee benefits$645,0006,817
Premises and equipment expense$139,0006,727
Additional noninterest expense$845,0005,494
Pre-tax net operating income$1,366,0002,872
Securities gains (losses)$03,793
Applicable income taxes$508,0001,869
Income before extraordinary items$858,0003,504
Extraordinary gains, net$029
Net income$858,0003,501
Minority interest net income$0111
Net income of bank and minority interests.$858,0003,504
Net charge-offs$722,0003,131
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$858,0003,378
2010-09-30 (YTD Data)Rank
Total interest income$3,992,0004,736
Total interest expense$1,346,0003,990
Net interest income$2,646,0004,983
Provision for loan and lease losses$669,0003,104
Total noninterest income$83,0006,727
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$17,0006,689
Trading account gains and fees$0165
Additional Noninterest Income$66,0005,719
Total noninterest expense$1,105,0006,602
Salaries and employee benefits$444,0007,002
Premises and equipment expense$103,0006,809
Additional noninterest expense$558,0005,803
Pre-tax net operating income$955,0003,173
Securities gains (losses)$03,651
Applicable income taxes$354,0001,991
Income before extraordinary items$601,0003,777
Extraordinary gains, net$023
Net income$601,0003,777
Minority interest net income$0110
Net income of bank and minority interests.$601,0003,778
Net charge-offs$316,0003,660
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$601,0003,634
2010-06-30 (YTD Data)Rank
Total interest income$2,648,0004,792
Total interest expense$929,0003,994
Net interest income$1,719,0005,062
Provision for loan and lease losses$472,0002,943
Total noninterest income$71,0006,510
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$11,0006,744
Trading account gains and fees$0152
Additional Noninterest Income$60,0005,377
Total noninterest expense$754,0006,608
Salaries and employee benefits$299,0007,036
Premises and equipment expense$70,0006,839
Additional noninterest expense$385,0005,743
Pre-tax net operating income$564,0003,426
Securities gains (losses)$03,184
Applicable income taxes$209,0002,080
Income before extraordinary items$355,0003,984
Extraordinary gains, net$019
Net income$355,0003,982
Minority interest net income$0105
Net income of bank and minority interests.$355,0003,983
Net charge-offs$254,0003,263
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$355,0003,863
2010-03-31 (YTD Data)Rank
Total interest income$1,324,0004,858
Total interest expense$480,0004,044
Net interest income$844,0005,151
Provision for loan and lease losses$377,0002,126
Total noninterest income$7,0007,507
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$3,0006,921
Trading account gains and fees$0175
Additional Noninterest Income$4,0007,081
Total noninterest expense$387,0006,647
Salaries and employee benefits$162,0007,003
Premises and equipment expense$32,0007,033
Additional noninterest expense$193,0005,774
Pre-tax net operating income$87,0005,202
Securities gains (losses)$02,284
Applicable income taxes$32,0003,122
Income before extraordinary items$55,0005,630
Extraordinary gains, net$016
Net income$55,0005,631
Minority interest net income$091
Net income of bank and minority interests.$55,0005,630
Net charge-offs$05,610
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$55,0005,526
2009-12-31 (YTD Data)Rank
Total interest income$5,263,0004,982
Total interest expense$2,534,0003,862
Net interest income$2,729,0005,624
Provision for loan and lease losses$1,275,0003,118
Total noninterest income$70,0007,243
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$9,0007,027
Trading account gains and fees$0211
Additional Noninterest Income$61,0006,170
Total noninterest expense$1,438,0006,876
Salaries and employee benefits$545,0007,328
Premises and equipment expense$122,0007,171
Additional noninterest expense$771,0005,901
Pre-tax net operating income$86,0005,131
Securities gains (losses)$03,754
Applicable income taxes$30,0003,503
Income before extraordinary items$56,0005,326
Extraordinary gains, net$034
Net income$56,0005,325
Minority interest net income$0115
Net income of bank and minority interests.$56,0005,325
Net charge-offs$968,0002,899
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$56,0005,267
2009-09-30 (YTD Data)Rank
Total interest income$3,965,0005,038
Total interest expense$1,970,0003,887
Net interest income$1,995,0005,712
Provision for loan and lease losses$460,0003,929
Total noninterest income$64,0007,238
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$6,0007,095
Trading account gains and fees$0212
Additional Noninterest Income$58,0006,081
Total noninterest expense$1,080,0006,904
Salaries and employee benefits$417,0007,354
Premises and equipment expense$90,0007,254
Additional noninterest expense$573,0005,930
Pre-tax net operating income$519,0003,844
Securities gains (losses)$03,497
Applicable income taxes$193,0002,360
Income before extraordinary items$326,0004,317
Extraordinary gains, net$027
Net income$326,0004,313
Minority interest net income$0118
Net income of bank and minority interests.$326,0004,316
Net charge-offs$06,987
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$326,0004,255
2009-06-30 (YTD Data)Rank
Total interest income$2,607,0005,123
Total interest expense$1,340,0003,947
Net interest income$1,267,0005,840
Provision for loan and lease losses$240,0004,070
Total noninterest income$7,0007,855
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$3,0007,178
Trading account gains and fees$0193
Additional Noninterest Income$4,0007,529
Total noninterest expense$741,0006,907
Salaries and employee benefits$293,0007,358
Premises and equipment expense$61,0007,303
Additional noninterest expense$387,0005,907
Pre-tax net operating income$293,0004,170
Securities gains (losses)$03,136
Applicable income taxes$110,0002,544
Income before extraordinary items$183,0004,645
Extraordinary gains, net$021
Net income$183,0004,642
Minority interest net income$0112
Net income of bank and minority interests.$183,0004,642
Net charge-offs$06,628
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$183,0004,557
2009-03-31 (YTD Data)Rank
Total interest income$1,283,0005,200
Total interest expense$687,0003,994
Net interest income$596,0005,996
Provision for loan and lease losses$70,0004,469
Total noninterest income$2,0007,985
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$1,0007,216
Trading account gains and fees$0171
Additional Noninterest Income$1,0007,715
Total noninterest expense$317,0007,176
Salaries and employee benefits$120,0007,646
Premises and equipment expense$30,0007,367
Additional noninterest expense$167,0006,048
Pre-tax net operating income$211,0003,948
Securities gains (losses)$02,434
Applicable income taxes$79,0002,418
Income before extraordinary items$132,0004,556
Extraordinary gains, net$015
Net income$132,0004,560
Minority interest net income$0102
Net income of bank and minority interests.$132,0004,560
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$132,0004,388
2008-12-31 (YTD Data)Rank
Total interest income$4,559,0005,709
Total interest expense$2,477,0004,773
Net interest income$2,082,0006,332
Provision for loan and lease losses$395,0004,154
Total noninterest income$9,0008,029
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$5,0007,235
Trading account gains and fees$0154
Additional Noninterest Income$4,0007,828
Total noninterest expense$956,0007,601
Salaries and employee benefits$378,0007,935
Premises and equipment expense$120,0007,425
Additional noninterest expense$458,0006,810
Pre-tax net operating income$740,0004,303
Securities gains (losses)$03,220
Applicable income taxes$275,0002,499
Income before extraordinary items$465,0004,568
Extraordinary gains, net$039
Net income$465,0004,567
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,039
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$465,0004,724
2008-09-30 (YTD Data)Rank
Total interest income$3,272,0005,883
Total interest expense$1,788,0004,990
Net interest income$1,484,0006,484
Provision for loan and lease losses$300,0003,542
Total noninterest income$7,0008,147
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$4,0007,286
Trading account gains and fees$0148
Additional Noninterest Income$3,0007,993
Total noninterest expense$715,0007,640
Salaries and employee benefits$294,0007,943
Premises and equipment expense$89,0007,492
Additional noninterest expense$332,0006,855
Pre-tax net operating income$476,0005,007
Securities gains (losses)$03,106
Applicable income taxes$177,0003,043
Income before extraordinary items$299,0005,215
Extraordinary gains, net$031
Net income$299,0005,211
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,534
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$299,0005,396
2008-06-30 (YTD Data)Rank
Total interest income$2,050,0006,091
Total interest expense$1,133,0005,266
Net interest income$917,0006,676
Provision for loan and lease losses$235,0002,897
Total noninterest income$4,0008,229
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$2,0007,352
Trading account gains and fees$0149
Additional Noninterest Income$2,0008,087
Total noninterest expense$463,0007,722
Salaries and employee benefits$181,0008,070
Premises and equipment expense$61,0007,494
Additional noninterest expense$221,0006,883
Pre-tax net operating income$223,0005,667
Securities gains (losses)$03,233
Applicable income taxes$83,0003,636
Income before extraordinary items$140,0006,041
Extraordinary gains, net$021
Net income$140,0006,040
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$140,0005,982
2008-03-31 (YTD Data)Rank
Total interest income$958,0006,325
Total interest expense$551,0005,517
Net interest income$407,0006,973
Provision for loan and lease losses$70,0003,305
Total noninterest income$2,0008,268
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$1,0007,357
Trading account gains and fees$0158
Additional Noninterest Income$1,0008,110
Total noninterest expense$212,0007,867
Salaries and employee benefits$73,0008,241
Premises and equipment expense$31,0007,509
Additional noninterest expense$108,0006,932
Pre-tax net operating income$127,0005,692
Securities gains (losses)$02,688
Applicable income taxes$47,0003,621
Income before extraordinary items$80,0006,121
Extraordinary gains, net$015
Net income$80,0006,123
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$80,0006,026
2007-12-31 (YTD Data)Rank
Total interest income$2,196,0007,421
Total interest expense$1,133,0006,961
Net interest income$1,063,0007,670
Provision for loan and lease losses$765,0001,725
Total noninterest income$63,0007,916
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,0007,464
Trading account gains and fees$0178
Additional Noninterest Income$62,0006,871
Total noninterest expense$1,289,0007,227
Salaries and employee benefits$717,0007,209
Premises and equipment expense$86,0007,900
Additional noninterest expense$486,0006,647
Pre-tax net operating income$-928,0008,021
Securities gains (losses)$02,146
Applicable income taxes$-342,0008,235
Income before extraordinary items$-586,0007,937
Extraordinary gains, net$039
Net income$-586,0007,935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$8,000,000216
Net operating income$-586,0007,928
2007-09-30 (YTD Data)Rank
Total interest income$1,199,0007,900
Total interest expense$602,0007,533
Net interest income$597,0008,043
Provision for loan and lease losses$615,0001,328
Total noninterest income$62,0007,787
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,480
Trading account gains and fees$0184
Additional Noninterest Income$61,0006,525
Total noninterest expense$972,0007,197
Salaries and employee benefits$543,0007,154
Premises and equipment expense$59,0007,955
Additional noninterest expense$370,0006,590
Pre-tax net operating income$-928,0008,272
Securities gains (losses)$01,655
Applicable income taxes$-342,0008,390
Income before extraordinary items$-586,0008,177
Extraordinary gains, net$033
Net income$-586,0008,173
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$8,000,000157
Net operating income$-586,0008,166
2007-06-30 (YTD Data)Rank
Total interest income$363,0008,424
Total interest expense$160,0008,301
Net interest income$203,0008,461
Provision for loan and lease losses$492,0001,051
Total noninterest income$61,0007,457
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$07,560
Trading account gains and fees$0168
Additional Noninterest Income$61,0005,968
Total noninterest expense$636,0007,275
Salaries and employee benefits$360,0007,215
Premises and equipment expense$30,0008,201
Additional noninterest expense$246,0006,623
Pre-tax net operating income$-864,0008,426
Securities gains (losses)$01,444
Applicable income taxes$-320,0008,506
Income before extraordinary items$-544,0008,352
Extraordinary gains, net$029
Net income$-544,0008,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$8,000,000118
Net operating income$-544,0008,346

* 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.