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Santa Monica Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$90,476,000439
Total interest expense$24,517,000676
Net interest income$65,959,000325
Provision for loan and lease losses$225,0003,261
Total noninterest income$10,928,000569
Gross Fiduciary activities income$3,494,000240
Service charges on deposit accounts$4,618,000292
Trading account gains and fees$0224
Additional Noninterest Income$2,816,000935
Total noninterest expense$60,439,000300
Salaries and employee benefits$21,813,000343
Premises and equipment expense$7,262,000326
Additional noninterest expense$31,364,000273
Pre-tax net operating income$16,223,000518
Securities gains (losses)$690,000466
Applicable income taxes$11,542,000317
Income before extraordinary items$5,371,0001,004
Extraordinary gains, net$032
Net income$5,371,0001,004
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,123,000696
Cash dividends$10,000,000381
Sale, conversion, retirement of capital stock, net$189,983,0002
Net operating income$4,929,4001,051
1997-12-31 (YTD Data)Rank
Total interest income$28,317,0001,185
Total interest expense$8,074,0001,917
Net interest income$20,243,000880
Provision for loan and lease losses$900,0001,074
Total noninterest income$1,227,0002,582
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$670,0001,952
Trading account gains and fees$0239
Additional Noninterest Income$557,0002,629
Total noninterest expense$12,591,0001,070
Salaries and employee benefits$5,525,0001,192
Premises and equipment expense$1,373,0001,420
Additional noninterest expense$5,693,000879
Pre-tax net operating income$7,979,0001,029
Securities gains (losses)$107,000958
Applicable income taxes$4,184,000694
Income before extraordinary items$3,902,0001,407
Extraordinary gains, net$044
Net income$3,902,0001,408
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$396,0001,607
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$3,833,5201,388
1996-12-31 (YTD Data)Rank
Total interest income$7,159,0004,484
Total interest expense$2,268,0005,905
Net interest income$4,891,0003,602
Provision for loan and lease losses$33,0007,304
Total noninterest income$502,0005,141
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$203,0005,503
Trading account gains and fees$0262
Additional Noninterest Income$299,0004,082
Total noninterest expense$4,179,0003,214
Salaries and employee benefits$2,181,0003,063
Premises and equipment expense$372,0004,814
Additional noninterest expense$1,626,0002,924
Pre-tax net operating income$1,181,0005,180
Securities gains (losses)$267,000586
Applicable income taxes$784,0002,897
Income before extraordinary items$664,0005,919
Extraordinary gains, net$053
Net income$664,0005,921
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0006,149
Cash dividends$15,500,000330
Sale, conversion, retirement of capital stock, net$0953
Net operating income$493,1206,889
1995-12-31 (YTD Data)Rank
Total interest income$26,542,0001,289
Total interest expense$6,531,0002,378
Net interest income$20,011,000930
Provision for loan and lease losses$710,0001,207
Total noninterest income$2,554,0001,520
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$807,0001,673
Trading account gains and fees$0522
Additional Noninterest Income$1,747,0001,242
Total noninterest expense$14,526,0001,029
Salaries and employee benefits$7,198,000952
Premises and equipment expense$1,537,0001,337
Additional noninterest expense$5,791,0001,000
Pre-tax net operating income$7,329,0001,066
Securities gains (losses)$-22,00010,616
Applicable income taxes$3,114,000898
Income before extraordinary items$4,193,0001,264
Extraordinary gains, net$065
Net income$4,193,0001,262
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$866,000962
Cash dividends$1,0008,707
Sale, conversion, retirement of capital stock, net$11,000760
Net operating income$4,207,0801,238
1994-12-31 (YTD Data)Rank
Total interest income$21,470,0001,439
Total interest expense$3,857,0003,167
Net interest income$17,613,0001,047
Provision for loan and lease losses$1,052,000892
Total noninterest income$2,683,0001,477
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$735,0001,829
Trading account gains and fees$0475
Additional Noninterest Income$1,948,0001,147
Total noninterest expense$15,057,0001,006
Salaries and employee benefits$6,280,0001,081
Premises and equipment expense$1,634,0001,277
Additional noninterest expense$7,143,000895
Pre-tax net operating income$4,187,0001,699
Securities gains (losses)$03,600
Applicable income taxes$1,595,0001,470
Income before extraordinary items$2,592,0001,882
Extraordinary gains, net$0249
Net income$2,592,0001,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,131,000799
Cash dividends$1,0008,919
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,592,0001,878
1993-12-31 (YTD Data)Rank
Total interest income$24,214,0001,302
Total interest expense$3,914,0003,225
Net interest income$20,300,000915
Provision for loan and lease losses$2,213,000755
Total noninterest income$19,755,000384
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$706,0001,929
Trading account gains and fees$0532
Additional Noninterest Income$19,049,000284
Total noninterest expense$31,164,000607
Salaries and employee benefits$16,935,000456
Premises and equipment expense$3,261,000720
Additional noninterest expense$10,968,000715
Pre-tax net operating income$6,678,0001,058
Securities gains (losses)$07,477
Applicable income taxes$3,046,000846
Income before extraordinary items$3,632,0001,402
Extraordinary gains, net$2,378,000114
Net income$6,010,000910
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,484,000874
Cash dividends$1,0009,069
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,632,0001,316
1992-12-31 (YTD Data)Rank
Total interest income$32,889,0001,099
Total interest expense$4,722,0003,477
Net interest income$28,167,000708
Provision for loan and lease losses$1,289,0001,559
Total noninterest income$14,738,000466
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$502,0002,772
Trading account gains and fees$0504
Additional Noninterest Income$14,236,000348
Total noninterest expense$37,851,000504
Salaries and employee benefits$23,476,000340
Premises and equipment expense$3,662,000670
Additional noninterest expense$10,713,000730
Pre-tax net operating income$3,765,0001,656
Securities gains (losses)$182,0002,143
Applicable income taxes$1,586,0001,385
Income before extraordinary items$2,361,0001,931
Extraordinary gains, net$01,422
Net income$2,361,0001,962
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$773,0001,851
Cash dividends$1,0008,899
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,244,5201,874

* 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.