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Antelope Valley Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$16,658,0002,113
Total interest expense$3,253,0004,638
Net interest income$13,405,0001,305
Provision for loan and lease losses$505,0001,852
Total noninterest income$4,591,000986
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$3,275,000412
Trading account gains and fees$0180
Additional Noninterest Income$1,316,0001,541
Total noninterest expense$10,845,0001,274
Salaries and employee benefits$4,951,0001,429
Premises and equipment expense$1,112,0001,871
Additional noninterest expense$4,782,000981
Pre-tax net operating income$6,646,0001,133
Securities gains (losses)$01,956
Applicable income taxes$2,543,000953
Income before extraordinary items$4,103,0001,277
Extraordinary gains, net$038
Net income$4,103,0001,280
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$800,000880
Cash dividends$3,000,000949
Sale, conversion, retirement of capital stock, net$0969
Net operating income$4,103,0001,271
1999-12-31 (YTD Data)Rank
Total interest income$15,231,0002,147
Total interest expense$3,016,0004,582
Net interest income$12,215,0001,433
Provision for loan and lease losses$722,0001,276
Total noninterest income$4,663,000993
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,275,000421
Trading account gains and fees$0173
Additional Noninterest Income$1,388,0001,469
Total noninterest expense$11,326,0001,220
Salaries and employee benefits$4,927,0001,405
Premises and equipment expense$1,015,0002,026
Additional noninterest expense$5,384,000907
Pre-tax net operating income$4,830,0001,557
Securities gains (losses)$03,155
Applicable income taxes$1,892,0001,289
Income before extraordinary items$2,938,0001,808
Extraordinary gains, net$035
Net income$2,938,0001,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$797,000838
Cash dividends$1,000,0002,245
Sale, conversion, retirement of capital stock, net$-50,00010,078
Net operating income$2,938,0001,776
1998-12-31 (YTD Data)Rank
Total interest income$14,563,0002,238
Total interest expense$3,565,0004,057
Net interest income$10,998,0001,542
Provision for loan and lease losses$1,280,000781
Total noninterest income$4,300,0001,043
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$3,106,000420
Trading account gains and fees$0224
Additional Noninterest Income$1,194,0001,632
Total noninterest expense$11,966,0001,107
Salaries and employee benefits$5,715,0001,145
Premises and equipment expense$1,088,0001,809
Additional noninterest expense$5,163,000929
Pre-tax net operating income$2,062,0003,266
Securities gains (losses)$04,449
Applicable income taxes$590,0003,446
Income before extraordinary items$1,462,0003,324
Extraordinary gains, net$032
Net income$1,462,0003,325
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$952,000784
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,462,0003,238
1997-12-31 (YTD Data)Rank
Total interest income$13,365,0002,449
Total interest expense$3,482,0004,157
Net interest income$9,883,0001,763
Provision for loan and lease losses$1,054,000955
Total noninterest income$4,207,0001,042
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$2,886,000458
Trading account gains and fees$0239
Additional Noninterest Income$1,321,0001,449
Total noninterest expense$10,678,0001,245
Salaries and employee benefits$4,818,0001,368
Premises and equipment expense$1,053,0001,885
Additional noninterest expense$4,807,000991
Pre-tax net operating income$2,358,0003,064
Securities gains (losses)$-16,00010,264
Applicable income taxes$422,0004,716
Income before extraordinary items$1,920,0002,680
Extraordinary gains, net$044
Net income$1,920,0002,679
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$896,000861
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,933,1202,619
1996-12-31 (YTD Data)Rank
Total interest income$10,807,0003,042
Total interest expense$2,741,0005,158
Net interest income$8,066,0002,232
Provision for loan and lease losses$700,0001,321
Total noninterest income$4,477,0001,016
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$2,224,000615
Trading account gains and fees$0262
Additional Noninterest Income$2,253,0001,062
Total noninterest expense$8,642,0001,647
Salaries and employee benefits$4,160,0001,607
Premises and equipment expense$1,050,0001,913
Additional noninterest expense$3,432,0001,544
Pre-tax net operating income$3,201,0002,233
Securities gains (losses)$23,0001,905
Applicable income taxes$1,130,0002,108
Income before extraordinary items$2,094,0002,354
Extraordinary gains, net$053
Net income$2,094,0002,355
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$740,0001,070
Cash dividends$4,0008,293
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,079,0502,326
1995-12-31 (YTD Data)Rank
Total interest income$10,586,0003,132
Total interest expense$2,435,0005,684
Net interest income$8,151,0002,209
Provision for loan and lease losses$1,040,000910
Total noninterest income$4,079,0001,104
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$2,221,000616
Trading account gains and fees$0522
Additional Noninterest Income$1,858,0001,185
Total noninterest expense$8,817,0001,612
Salaries and employee benefits$4,514,0001,470
Premises and equipment expense$1,482,0001,395
Additional noninterest expense$2,821,0001,786
Pre-tax net operating income$2,373,0002,996
Securities gains (losses)$-3,0009,402
Applicable income taxes$720,0003,163
Income before extraordinary items$1,650,0002,980
Extraordinary gains, net$065
Net income$1,650,0002,976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$668,0001,150
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,652,1002,941
1994-12-31 (YTD Data)Rank
Total interest income$9,626,0003,148
Total interest expense$1,808,0006,048
Net interest income$7,818,0002,300
Provision for loan and lease losses$860,0001,029
Total noninterest income$3,600,0001,173
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,156,000637
Trading account gains and fees$0475
Additional Noninterest Income$1,444,0001,419
Total noninterest expense$8,494,0001,722
Salaries and employee benefits$4,227,0001,579
Premises and equipment expense$1,592,0001,315
Additional noninterest expense$2,675,0002,025
Pre-tax net operating income$2,064,0003,336
Securities gains (losses)$12,0002,095
Applicable income taxes$607,0003,484
Income before extraordinary items$1,469,0003,232
Extraordinary gains, net$0249
Net income$1,469,0003,246
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$746,0001,051
Cash dividends$53,0007,868
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,460,4803,282
1993-12-31 (YTD Data)Rank
Total interest income$9,628,0003,215
Total interest expense$2,069,0005,677
Net interest income$7,559,0002,368
Provision for loan and lease losses$880,0001,427
Total noninterest income$3,388,0001,327
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$2,277,000592
Trading account gains and fees$0532
Additional Noninterest Income$1,111,0001,896
Total noninterest expense$8,252,0001,813
Salaries and employee benefits$4,143,0001,622
Premises and equipment expense$1,412,0001,508
Additional noninterest expense$2,697,0002,079
Pre-tax net operating income$1,815,0003,646
Securities gains (losses)$41,0003,697
Applicable income taxes$526,0003,993
Income before extraordinary items$1,330,0003,629
Extraordinary gains, net$03,149
Net income$1,330,0003,741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$952,0001,190
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,300,4803,518
1992-12-31 (YTD Data)Rank
Total interest income$11,239,0003,123
Total interest expense$3,634,0004,415
Net interest income$7,605,0002,383
Provision for loan and lease losses$960,0001,892
Total noninterest income$3,445,0001,287
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$2,642,000524
Trading account gains and fees$0504
Additional Noninterest Income$803,0002,304
Total noninterest expense$8,574,0001,771
Salaries and employee benefits$4,276,0001,556
Premises and equipment expense$1,538,0001,414
Additional noninterest expense$2,760,0002,137
Pre-tax net operating income$1,516,0004,010
Securities gains (losses)$08,369
Applicable income taxes$425,0004,575
Income before extraordinary items$1,091,0004,157
Extraordinary gains, net$01,422
Net income$1,091,0004,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$850,0001,747
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,091,0003,852

* 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.