Home > Bank of Los Altos > Income and Expense

Bank of Los Altos, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$14,715,0002,085
Total interest expense$3,026,0003,516
Net interest income$11,689,0001,657
Provision for loan and lease losses$815,0001,602
Total noninterest income$1,994,0002,135
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$357,0003,813
Trading account gains and fees$0153
Additional Noninterest Income$1,637,0001,540
Total noninterest expense$9,016,0001,685
Salaries and employee benefits$5,500,0001,473
Premises and equipment expense$1,427,0001,555
Additional noninterest expense$2,089,0002,211
Pre-tax net operating income$3,852,0002,048
Securities gains (losses)$414,000745
Applicable income taxes$1,390,0001,756
Income before extraordinary items$2,876,0002,087
Extraordinary gains, net$070
Net income$2,876,0002,086
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$289,0002,430
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$35,000741
Net operating income$2,598,6202,213
2001-12-31 (YTD Data)Rank
Total interest income$17,908,0001,916
Total interest expense$5,674,0002,809
Net interest income$12,234,0001,453
Provision for loan and lease losses$452,0002,387
Total noninterest income$1,404,0002,642
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$255,0004,591
Trading account gains and fees$0177
Additional Noninterest Income$1,149,0001,856
Total noninterest expense$8,403,0001,731
Salaries and employee benefits$4,838,0001,562
Premises and equipment expense$1,352,0001,592
Additional noninterest expense$2,213,0002,035
Pre-tax net operating income$4,783,0001,500
Securities gains (losses)$272,000953
Applicable income taxes$1,915,0001,222
Income before extraordinary items$3,140,0001,673
Extraordinary gains, net$0105
Net income$3,140,0001,674
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,648
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,965,9201,705
2000-12-31 (YTD Data)Rank
Total interest income$19,139,0001,816
Total interest expense$6,454,0002,583
Net interest income$12,685,0001,387
Provision for loan and lease losses$750,0001,331
Total noninterest income$867,0003,482
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$268,0004,336
Trading account gains and fees$0180
Additional Noninterest Income$599,0002,631
Total noninterest expense$10,401,0001,333
Salaries and employee benefits$4,608,0001,539
Premises and equipment expense$1,343,0001,546
Additional noninterest expense$4,450,0001,057
Pre-tax net operating income$2,401,0002,853
Securities gains (losses)$01,956
Applicable income taxes$893,0002,327
Income before extraordinary items$1,508,0003,238
Extraordinary gains, net$038
Net income$1,508,0003,236
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$250,0004,756
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,508,0003,237
1999-12-31 (YTD Data)Rank
Total interest income$14,265,0002,278
Total interest expense$4,958,0002,944
Net interest income$9,307,0001,882
Provision for loan and lease losses$287,0002,778
Total noninterest income$1,007,0003,073
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$217,0004,909
Trading account gains and fees$0173
Additional Noninterest Income$790,0002,178
Total noninterest expense$7,342,0001,881
Salaries and employee benefits$4,015,0001,719
Premises and equipment expense$1,296,0001,578
Additional noninterest expense$2,031,0002,153
Pre-tax net operating income$2,685,0002,642
Securities gains (losses)$-35,0009,704
Applicable income taxes$1,035,0002,163
Income before extraordinary items$1,615,0003,066
Extraordinary gains, net$035
Net income$1,615,0003,067
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0005,930
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,637,4002,993
1998-12-31 (YTD Data)Rank
Total interest income$11,496,0002,810
Total interest expense$4,123,0003,584
Net interest income$7,373,0002,316
Provision for loan and lease losses$230,0003,213
Total noninterest income$1,210,0002,666
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$178,0005,458
Trading account gains and fees$0224
Additional Noninterest Income$1,032,0001,806
Total noninterest expense$5,950,0002,195
Salaries and employee benefits$3,098,0002,179
Premises and equipment expense$965,0002,024
Additional noninterest expense$1,887,0002,224
Pre-tax net operating income$2,403,0002,878
Securities gains (losses)$7,0003,223
Applicable income taxes$988,0002,337
Income before extraordinary items$1,422,0003,397
Extraordinary gains, net$032
Net income$1,422,0003,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-29,0009,965
Cash dividends$175,0005,577
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,417,5203,314
1997-12-31 (YTD Data)Rank
Total interest income$8,330,0003,832
Total interest expense$2,867,0004,904
Net interest income$5,463,0003,196
Provision for loan and lease losses$270,0002,814
Total noninterest income$1,455,0002,258
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$144,0006,280
Trading account gains and fees$0239
Additional Noninterest Income$1,311,0001,456
Total noninterest expense$5,018,0002,558
Salaries and employee benefits$2,507,0002,635
Premises and equipment expense$629,0003,025
Additional noninterest expense$1,882,0002,214
Pre-tax net operating income$1,630,0004,166
Securities gains (losses)$20,0001,883
Applicable income taxes$379,0005,052
Income before extraordinary items$1,271,0003,871
Extraordinary gains, net$044
Net income$1,271,0003,870
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,724
Cash dividends$25,0007,533
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,255,6003,836
1996-12-31 (YTD Data)Rank
Total interest income$6,026,0005,173
Total interest expense$2,308,0005,836
Net interest income$3,718,0004,585
Provision for loan and lease losses$09,041
Total noninterest income$1,589,0002,200
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$85,0007,846
Trading account gains and fees$0262
Additional Noninterest Income$1,504,0001,387
Total noninterest expense$4,613,0002,951
Salaries and employee benefits$1,822,0003,628
Premises and equipment expense$609,0003,160
Additional noninterest expense$2,182,0002,268
Pre-tax net operating income$694,0006,960
Securities gains (losses)$20,0002,000
Applicable income taxes$1,00010,529
Income before extraordinary items$713,0005,708
Extraordinary gains, net$053
Net income$713,0005,709
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,548
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$693,0005,737
1995-12-31 (YTD Data)Rank
Total interest income$5,619,0005,498
Total interest expense$2,044,0006,369
Net interest income$3,575,0004,765
Provision for loan and lease losses$-29,00011,517
Total noninterest income$1,742,0002,049
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$67,0008,689
Trading account gains and fees$0522
Additional Noninterest Income$1,675,0001,290
Total noninterest expense$5,257,0002,582
Salaries and employee benefits$1,384,0004,607
Premises and equipment expense$570,0003,354
Additional noninterest expense$3,303,0001,563
Pre-tax net operating income$89,00011,141
Securities gains (losses)$03,831
Applicable income taxes$16,00010,816
Income before extraordinary items$73,00011,152
Extraordinary gains, net$065
Net income$73,00011,149
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$92,0003,939
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$73,00011,127
1994-12-31 (YTD Data)Rank
Total interest income$6,972,0004,230
Total interest expense$2,618,0004,459
Net interest income$4,354,0004,046
Provision for loan and lease losses$-158,00012,276
Total noninterest income$1,567,0002,215
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$80,0008,680
Trading account gains and fees$0475
Additional Noninterest Income$1,487,0001,395
Total noninterest expense$4,568,0003,017
Salaries and employee benefits$1,344,0004,740
Premises and equipment expense$447,0004,175
Additional noninterest expense$2,777,0001,948
Pre-tax net operating income$1,511,0004,386
Securities gains (losses)$03,600
Applicable income taxes$-489,00012,484
Income before extraordinary items$2,000,0002,438
Extraordinary gains, net$0249
Net income$2,000,0002,438
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$544,0001,304
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,000,0002,446
1993-12-31 (YTD Data)Rank
Total interest income$9,521,0003,250
Total interest expense$4,301,0002,964
Net interest income$5,220,0003,426
Provision for loan and lease losses$631,0001,786
Total noninterest income$1,654,0002,258
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$84,0008,884
Trading account gains and fees$0532
Additional Noninterest Income$1,570,0001,498
Total noninterest expense$4,104,0003,408
Salaries and employee benefits$1,439,0004,439
Premises and equipment expense$446,0004,299
Additional noninterest expense$2,219,0002,501
Pre-tax net operating income$2,139,0003,101
Securities gains (losses)$07,477
Applicable income taxes$70,00010,475
Income before extraordinary items$2,069,0002,425
Extraordinary gains, net$03,149
Net income$2,069,0002,508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,849,000754
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,069,0002,273
1992-12-31 (YTD Data)Rank
Total interest income$11,671,0003,009
Total interest expense$6,388,0002,637
Net interest income$5,283,0003,448
Provision for loan and lease losses$1,783,0001,248
Total noninterest income$779,0004,048
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$81,0009,135
Trading account gains and fees$0504
Additional Noninterest Income$698,0002,551
Total noninterest expense$3,924,0003,567
Salaries and employee benefits$1,640,0003,912
Premises and equipment expense$514,0003,871
Additional noninterest expense$1,770,0003,100
Pre-tax net operating income$355,0009,641
Securities gains (losses)$-19,00013,465
Applicable income taxes$139,0008,913
Income before extraordinary items$197,00010,636
Extraordinary gains, net$-4,695,00013,911
Net income$-4,498,00013,790
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,679,0001,095
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$209,16010,130

* 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.