Home > Highland Federal Bank, F.S.B. > Income and Expense
Highland Federal Bank, F.S.B., Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $54,679,000 | 637 |
| Total interest expense | $27,744,000 | 598 |
| Net interest income | $26,935,000 | 689 |
| Provision for loan and lease losses | $2,518,000 | 463 |
| Total noninterest income | $3,428,000 | 1,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,428,000 | 820 |
| Total noninterest expense | $10,596,000 | 1,305 |
| Salaries and employee benefits | $6,763,000 | 1,021 |
| Premises and equipment expense | $2,094,000 | 962 |
| Additional noninterest expense | $1,739,000 | 2,492 |
| Pre-tax net operating income | $17,249,000 | 541 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $7,117,000 | 465 |
| Income before extraordinary items | $10,138,000 | 616 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,138,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 9,738 |
| Cash dividends | $4,200,000 | 745 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,134,160 | 604 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $50,702,000 | 673 |
| Total interest expense | $26,982,000 | 623 |
| Net interest income | $23,720,000 | 734 |
| Provision for loan and lease losses | $3,315,000 | 428 |
| Total noninterest income | $2,717,000 | 1,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,717,000 | 957 |
| Total noninterest expense | $9,577,000 | 1,371 |
| Salaries and employee benefits | $5,595,000 | 1,171 |
| Premises and equipment expense | $2,076,000 | 932 |
| Additional noninterest expense | $1,906,000 | 2,200 |
| Pre-tax net operating income | $13,545,000 | 603 |
| Securities gains (losses) | $1,176,000 | 346 |
| Applicable income taxes | $6,063,000 | 488 |
| Income before extraordinary items | $8,658,000 | 674 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,658,000 | 673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,172,000 | 673 |
| Cash dividends | $4,000,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,905,360 | 695 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $44,563,000 | 774 |
| Total interest expense | $24,223,000 | 690 |
| Net interest income | $20,340,000 | 877 |
| Provision for loan and lease losses | $5,164,000 | 318 |
| Total noninterest income | $3,837,000 | 1,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,837,000 | 728 |
| Total noninterest expense | $10,278,000 | 1,290 |
| Salaries and employee benefits | $5,562,000 | 1,181 |
| Premises and equipment expense | $2,210,000 | 906 |
| Additional noninterest expense | $2,506,000 | 1,693 |
| Pre-tax net operating income | $8,735,000 | 932 |
| Securities gains (losses) | $24,000 | 1,768 |
| Applicable income taxes | $2,624,000 | 1,050 |
| Income before extraordinary items | $6,135,000 | 899 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,135,000 | 901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,444,000 | 356 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $612,000 | 511 |
| Net operating income | $6,118,200 | 880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $39,455,000 | 889 |
| Total interest expense | $20,427,000 | 832 |
| Net interest income | $19,028,000 | 965 |
| Provision for loan and lease losses | $3,780,000 | 400 |
| Total noninterest income | $1,290,000 | 2,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,290,000 | 1,520 |
| Total noninterest expense | $16,288,000 | 937 |
| Salaries and employee benefits | $6,565,000 | 1,023 |
| Premises and equipment expense | $3,302,000 | 676 |
| Additional noninterest expense | $6,421,000 | 943 |
| Pre-tax net operating income | $250,000 | 9,483 |
| Securities gains (losses) | $412,000 | 464 |
| Applicable income taxes | $106,000 | 8,649 |
| Income before extraordinary items | $556,000 | 6,524 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $556,000 | 6,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,957,000 | 454 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $209,920 | 9,159 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $38,622,000 | 930 |
| Total interest expense | $21,386,000 | 832 |
| Net interest income | $17,236,000 | 1,064 |
| Provision for loan and lease losses | $5,432,000 | 306 |
| Total noninterest income | $1,336,000 | 2,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,336,000 | 1,476 |
| Total noninterest expense | $14,579,000 | 1,025 |
| Salaries and employee benefits | $6,503,000 | 1,060 |
| Premises and equipment expense | $3,040,000 | 754 |
| Additional noninterest expense | $5,036,000 | 1,115 |
| Pre-tax net operating income | $-1,439,000 | 11,905 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $-561,000 | 11,875 |
| Income before extraordinary items | $-869,000 | 11,855 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-869,000 | 11,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,061,000 | 312 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-874,760 | 11,844 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $36,463,000 | 880 |
| Total interest expense | $17,801,000 | 788 |
| Net interest income | $18,662,000 | 986 |
| Provision for loan and lease losses | $9,323,000 | 196 |
| Total noninterest income | $1,535,000 | 2,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,535,000 | 1,361 |
| Total noninterest expense | $20,548,000 | 789 |
| Salaries and employee benefits | $6,245,000 | 1,088 |
| Premises and equipment expense | $3,254,000 | 705 |
| Additional noninterest expense | $11,049,000 | 647 |
| Pre-tax net operating income | $-9,674,000 | 12,604 |
| Securities gains (losses) | $-66,000 | 11,252 |
| Applicable income taxes | $-3,355,000 | 12,575 |
| Income before extraordinary items | $-6,385,000 | 12,557 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-6,385,000 | 12,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,297,000 | 330 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-6,341,440 | 12,559 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $39,111,000 | 845 |
| Total interest expense | $17,610,000 | 798 |
| Net interest income | $21,501,000 | 874 |
| Provision for loan and lease losses | $5,092,000 | 431 |
| Total noninterest income | $2,961,000 | 1,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,961,000 | 968 |
| Total noninterest expense | $17,770,000 | 931 |
| Salaries and employee benefits | $6,489,000 | 1,060 |
| Premises and equipment expense | $3,548,000 | 659 |
| Additional noninterest expense | $7,733,000 | 915 |
| Pre-tax net operating income | $1,600,000 | 4,089 |
| Securities gains (losses) | $356,000 | 1,141 |
| Applicable income taxes | $438,000 | 4,683 |
| Income before extraordinary items | $1,518,000 | 3,207 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,518,000 | 3,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 2,243 |
| Cash dividends | $994,000 | 1,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,240,320 | 3,678 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $42,411,000 | 897 |
| Total interest expense | $20,524,000 | 894 |
| Net interest income | $21,887,000 | 869 |
| Provision for loan and lease losses | $1,678,000 | 1,300 |
| Total noninterest income | $2,397,000 | 1,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,397,000 | 1,110 |
| Total noninterest expense | $13,538,000 | 1,168 |
| Salaries and employee benefits | $5,983,000 | 1,119 |
| Premises and equipment expense | $3,117,000 | 772 |
| Additional noninterest expense | $4,438,000 | 1,481 |
| Pre-tax net operating income | $9,068,000 | 708 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $4,212,000 | 559 |
| Income before extraordinary items | $4,856,000 | 980 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,856,000 | 986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 3,103 |
| Cash dividends | $1,104,000 | 1,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,856,000 | 893 |
* 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.