Home > Bay Cities National Bank > Income and Expense
Bay Cities National Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,445,000 | 5,286 |
| Total interest expense | $1,374,000 | 7,294 |
| Net interest income | $4,071,000 | 4,309 |
| Provision for loan and lease losses | $505,000 | 1,522 |
| Total noninterest income | $642,000 | 4,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 4,661 |
| Total noninterest expense | $4,041,000 | 3,399 |
| Salaries and employee benefits | $1,847,000 | 3,526 |
| Premises and equipment expense | $477,000 | 3,951 |
| Additional noninterest expense | $1,717,000 | 2,943 |
| Pre-tax net operating income | $167,000 | 11,148 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $54,000 | 10,369 |
| Income before extraordinary items | $112,000 | 11,253 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $112,000 | 11,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,227 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $112,670 | 11,297 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 5,808 |
| Total interest expense | $1,438,000 | 7,412 |
| Net interest income | $3,534,000 | 4,917 |
| Provision for loan and lease losses | $673,000 | 1,709 |
| Total noninterest income | $603,000 | 4,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,866 |
| Total noninterest expense | $3,958,000 | 3,526 |
| Salaries and employee benefits | $1,762,000 | 3,685 |
| Premises and equipment expense | $480,000 | 4,020 |
| Additional noninterest expense | $1,716,000 | 3,103 |
| Pre-tax net operating income | $-494,000 | 12,854 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-144,000 | 12,998 |
| Income before extraordinary items | $-350,000 | 12,846 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-350,000 | 12,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $870,000 | 1,257 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-350,000 | 12,781 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,030,000 | 6,356 |
| Total interest expense | $1,774,000 | 7,693 |
| Net interest income | $3,256,000 | 5,326 |
| Provision for loan and lease losses | $379,000 | 3,579 |
| Total noninterest income | $611,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,972 |
| Total noninterest expense | $3,256,000 | 4,206 |
| Salaries and employee benefits | $1,500,000 | 4,230 |
| Premises and equipment expense | $399,000 | 4,802 |
| Additional noninterest expense | $1,357,000 | 3,904 |
| Pre-tax net operating income | $232,000 | 10,777 |
| Securities gains (losses) | $49,000 | 4,164 |
| Applicable income taxes | $117,000 | 9,465 |
| Income before extraordinary items | $164,000 | 11,079 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $164,000 | 11,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 3,739 |
| Cash dividends | $74,000 | 7,181 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 890 |
| Net operating income | $132,640 | 11,190 |
* 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.