Home > The Highland Bank > Income and Expense
The Highland Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,411,000 | 4,573 |
| Total interest expense | $2,035,000 | 5,540 |
| Net interest income | $4,376,000 | 4,025 |
| Provision for loan and lease losses | $31,000 | 7,056 |
| Total noninterest income | $916,000 | 3,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $586,000 | 2,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,851 |
| Total noninterest expense | $3,459,000 | 3,886 |
| Salaries and employee benefits | $1,623,000 | 3,979 |
| Premises and equipment expense | $364,000 | 4,945 |
| Additional noninterest expense | $1,472,000 | 3,367 |
| Pre-tax net operating income | $1,802,000 | 3,743 |
| Securities gains (losses) | $-15,000 | 10,127 |
| Applicable income taxes | $739,000 | 2,981 |
| Income before extraordinary items | $1,048,000 | 4,361 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,048,000 | 4,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-350,000 | 12,495 |
| Cash dividends | $1,200,000 | 1,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,057,600 | 4,376 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,071,000 | 4,898 |
| Total interest expense | $1,667,000 | 6,700 |
| Net interest income | $4,404,000 | 4,029 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $913,000 | 3,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $691,000 | 1,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 5,355 |
| Total noninterest expense | $3,312,000 | 4,116 |
| Salaries and employee benefits | $1,447,000 | 4,412 |
| Premises and equipment expense | $329,000 | 5,469 |
| Additional noninterest expense | $1,536,000 | 3,438 |
| Pre-tax net operating income | $2,005,000 | 3,303 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $782,000 | 2,812 |
| Income before extraordinary items | $1,223,000 | 3,940 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,223,000 | 4,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $935,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,223,000 | 3,731 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,003,000 | 5,488 |
| Total interest expense | $2,114,000 | 6,833 |
| Net interest income | $3,889,000 | 4,559 |
| Provision for loan and lease losses | $62,000 | 8,472 |
| Total noninterest income | $759,000 | 4,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $541,000 | 2,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 5,385 |
| Total noninterest expense | $2,843,000 | 4,754 |
| Salaries and employee benefits | $1,231,000 | 5,045 |
| Premises and equipment expense | $304,000 | 5,913 |
| Additional noninterest expense | $1,308,000 | 4,017 |
| Pre-tax net operating income | $1,743,000 | 3,528 |
| Securities gains (losses) | $291,000 | 1,561 |
| Applicable income taxes | $759,000 | 2,743 |
| Income before extraordinary items | $1,275,000 | 3,607 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,275,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $825,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,088,760 | 3,862 |
* 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.