Home > Bank of Orange County > Income and Expense
Bank of Orange County, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,878,000 | 1,162 |
| Total interest expense | $656,000 | 4,848 |
| Net interest income | $11,222,000 | 868 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,278,000 | 1,161 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $740,000 | 1,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,538,000 | 967 |
| Total noninterest expense | $9,620,000 | 850 |
| Salaries and employee benefits | $4,226,000 | 1,013 |
| Premises and equipment expense | $1,159,000 | 989 |
| Additional noninterest expense | $4,235,000 | 629 |
| Pre-tax net operating income | $3,880,000 | 1,111 |
| Securities gains (losses) | $-3,543,000 | 9,062 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $330,000 | 5,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,802,140 | 821 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,984,000 | 1,167 |
| Total interest expense | $324,000 | 4,940 |
| Net interest income | $5,660,000 | 877 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,072,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $383,000 | 1,122 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $689,000 | 1,025 |
| Total noninterest expense | $3,964,000 | 1,026 |
| Salaries and employee benefits | $2,129,000 | 1,013 |
| Premises and equipment expense | $539,000 | 1,100 |
| Additional noninterest expense | $1,296,000 | 958 |
| Pre-tax net operating income | $2,768,000 | 788 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,072,000 | 695 |
| Income before extraordinary items | $1,696,000 | 962 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,696,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,824 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,696,000 | 912 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,642,000 | 1,257 |
| Total interest expense | $1,281,000 | 5,361 |
| Net interest income | $21,361,000 | 909 |
| Provision for loan and lease losses | $-665,000 | 9,134 |
| Total noninterest income | $3,656,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,759,000 | 981 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,897,000 | 1,526 |
| Total noninterest expense | $16,273,000 | 1,007 |
| Salaries and employee benefits | $7,334,000 | 1,164 |
| Premises and equipment expense | $2,342,000 | 975 |
| Additional noninterest expense | $6,597,000 | 782 |
| Pre-tax net operating income | $9,409,000 | 898 |
| Securities gains (losses) | $58,000 | 2,371 |
| Applicable income taxes | $2,867,000 | 959 |
| Income before extraordinary items | $6,600,000 | 983 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,600,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,293,000 | 9,177 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,559,400 | 921 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,627,000 | 1,307 |
| Total interest expense | $1,038,000 | 5,257 |
| Net interest income | $15,589,000 | 943 |
| Provision for loan and lease losses | $-665,000 | 9,203 |
| Total noninterest income | $2,754,000 | 1,469 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,372,000 | 948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,382,000 | 1,624 |
| Total noninterest expense | $11,564,000 | 1,055 |
| Salaries and employee benefits | $5,407,000 | 1,189 |
| Premises and equipment expense | $1,784,000 | 962 |
| Additional noninterest expense | $4,373,000 | 886 |
| Pre-tax net operating income | $7,444,000 | 896 |
| Securities gains (losses) | $58,000 | 2,190 |
| Applicable income taxes | $2,941,000 | 784 |
| Income before extraordinary items | $4,561,000 | 1,101 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,561,000 | 1,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,219,000 | 9,231 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,523,880 | 1,041 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,915,000 | 1,336 |
| Total interest expense | $762,000 | 5,083 |
| Net interest income | $10,153,000 | 952 |
| Provision for loan and lease losses | $-310,000 | 9,232 |
| Total noninterest income | $1,617,000 | 1,617 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $950,000 | 895 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $667,000 | 2,041 |
| Total noninterest expense | $7,682,000 | 1,063 |
| Salaries and employee benefits | $3,463,000 | 1,239 |
| Premises and equipment expense | $1,190,000 | 967 |
| Additional noninterest expense | $3,029,000 | 865 |
| Pre-tax net operating income | $4,398,000 | 991 |
| Securities gains (losses) | $307,000 | 794 |
| Applicable income taxes | $1,843,000 | 829 |
| Income before extraordinary items | $2,862,000 | 1,176 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,862,000 | 1,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,033,000 | 9,263 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,665,520 | 1,158 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 1,326 |
| Total interest expense | $393,000 | 5,084 |
| Net interest income | $5,129,000 | 950 |
| Provision for loan and lease losses | $-310,000 | 9,293 |
| Total noninterest income | $825,000 | 1,544 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $492,000 | 842 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $333,000 | 1,963 |
| Total noninterest expense | $3,929,000 | 1,032 |
| Salaries and employee benefits | $1,781,000 | 1,197 |
| Premises and equipment expense | $600,000 | 961 |
| Additional noninterest expense | $1,548,000 | 819 |
| Pre-tax net operating income | $2,335,000 | 950 |
| Securities gains (losses) | $89,000 | 1,062 |
| Applicable income taxes | $950,000 | 836 |
| Income before extraordinary items | $1,474,000 | 1,135 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,474,000 | 1,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-978,000 | 9,309 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,417,040 | 1,083 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,011,000 | 1,394 |
| Total interest expense | $2,875,000 | 3,649 |
| Net interest income | $19,136,000 | 1,018 |
| Provision for loan and lease losses | $-1,085,000 | 9,343 |
| Total noninterest income | $3,930,000 | 1,266 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,952,000 | 819 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,978,000 | 1,319 |
| Total noninterest expense | $19,458,000 | 808 |
| Salaries and employee benefits | $8,207,000 | 984 |
| Premises and equipment expense | $2,699,000 | 814 |
| Additional noninterest expense | $8,552,000 | 631 |
| Pre-tax net operating income | $4,693,000 | 1,730 |
| Securities gains (losses) | $460,000 | 692 |
| Applicable income taxes | $1,247,000 | 1,897 |
| Income before extraordinary items | $3,906,000 | 1,559 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,906,000 | 1,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,139,000 | 9,349 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $13,059,000 | 34 |
| Net operating income | $3,556,400 | 1,629 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,584,000 | 1,739 |
| Total interest expense | $4,495,000 | 3,454 |
| Net interest income | $15,089,000 | 1,174 |
| Provision for loan and lease losses | $515,000 | 2,145 |
| Total noninterest income | $1,922,000 | 2,079 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $608,000 | 2,408 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,314,000 | 1,696 |
| Total noninterest expense | $12,396,000 | 1,185 |
| Salaries and employee benefits | $4,966,000 | 1,520 |
| Premises and equipment expense | $1,993,000 | 1,060 |
| Additional noninterest expense | $5,437,000 | 896 |
| Pre-tax net operating income | $4,100,000 | 1,739 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,880,000 | 1,240 |
| Income before extraordinary items | $2,220,000 | 2,318 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,220,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,409 |
| Cash dividends | $1,600,000 | 1,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,220,000 | 2,249 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,279,000 | 1,793 |
| Total interest expense | $5,639,000 | 2,946 |
| Net interest income | $13,640,000 | 1,287 |
| Provision for loan and lease losses | $225,000 | 3,486 |
| Total noninterest income | $1,653,000 | 2,177 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $551,000 | 2,463 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,102,000 | 1,748 |
| Total noninterest expense | $13,337,000 | 1,046 |
| Salaries and employee benefits | $5,471,000 | 1,295 |
| Premises and equipment expense | $1,735,000 | 1,155 |
| Additional noninterest expense | $6,131,000 | 809 |
| Pre-tax net operating income | $1,731,000 | 3,662 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $714,000 | 2,740 |
| Income before extraordinary items | $1,010,000 | 4,352 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,010,000 | 4,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,664 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 9,723 |
| Net operating income | $1,014,480 | 4,345 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,111,000 | 3,191 |
| Total interest expense | $2,023,000 | 5,963 |
| Net interest income | $8,088,000 | 2,168 |
| Provision for loan and lease losses | $275,000 | 2,860 |
| Total noninterest income | $1,407,000 | 2,392 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $425,000 | 3,057 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $982,000 | 1,899 |
| Total noninterest expense | $8,451,000 | 1,622 |
| Salaries and employee benefits | $3,794,000 | 1,833 |
| Premises and equipment expense | $961,000 | 2,127 |
| Additional noninterest expense | $3,696,000 | 1,244 |
| Pre-tax net operating income | $769,000 | 6,053 |
| Securities gains (losses) | $-206,000 | 10,042 |
| Applicable income taxes | $354,000 | 4,448 |
| Income before extraordinary items | $209,000 | 8,233 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $209,000 | 8,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $340,840 | 7,322 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 10,463 |
| Total interest expense | $0 | 10,441 |
| Net interest income | $0 | 10,455 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $0 | 10,463 |
| Salaries and employee benefits | $0 | 10,448 |
| Premises and equipment expense | $0 | 10,432 |
| Additional noninterest expense | $0 | 10,459 |
| Pre-tax net operating income | $0 | 9,784 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $0 | 9,834 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $0 | 9,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $0 | 9,788 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,978,000 | 5,821 |
| Total interest expense | $825,000 | 9,186 |
| Net interest income | $4,153,000 | 4,106 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $629,000 | 4,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,030 |
| Total noninterest expense | $4,052,000 | 3,134 |
| Salaries and employee benefits | $1,851,000 | 3,538 |
| Premises and equipment expense | $421,000 | 4,267 |
| Additional noninterest expense | $1,780,000 | 2,331 |
| Pre-tax net operating income | $595,000 | 7,453 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $223,000 | 6,590 |
| Income before extraordinary items | $372,000 | 7,835 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $372,000 | 7,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,715 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $372,000 | 585 |
| Net operating income | $372,000 | 7,777 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 11,309 |
| Total interest expense | $67,000 | 11,352 |
| Net interest income | $321,000 | 11,205 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $35,000 | 11,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,065 |
| Total noninterest expense | $318,000 | 11,183 |
| Salaries and employee benefits | $147,000 | 11,247 |
| Premises and equipment expense | $33,000 | 11,075 |
| Additional noninterest expense | $138,000 | 10,704 |
| Pre-tax net operating income | $38,000 | 10,649 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $20,000 | 10,197 |
| Income before extraordinary items | $18,000 | 10,747 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $18,000 | 10,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $18,000 | 10,697 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,151,000 | 6,839 |
| Total interest expense | $685,000 | 10,367 |
| Net interest income | $3,466,000 | 4,912 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $428,000 | 5,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,351 |
| Total noninterest expense | $3,199,000 | 4,060 |
| Salaries and employee benefits | $1,421,000 | 4,501 |
| Premises and equipment expense | $438,000 | 4,206 |
| Additional noninterest expense | $1,340,000 | 3,398 |
| Pre-tax net operating income | $515,000 | 8,357 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $15,000 | 10,835 |
| Income before extraordinary items | $500,000 | 7,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $500,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,001 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $500,000 | 7,225 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 7,034 |
| Total interest expense | $657,000 | 10,322 |
| Net interest income | $3,066,000 | 5,529 |
| Provision for loan and lease losses | $750,000 | 1,143 |
| Total noninterest income | $471,000 | 5,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 4,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,970 |
| Total noninterest expense | $3,304,000 | 4,053 |
| Salaries and employee benefits | $1,306,000 | 4,855 |
| Premises and equipment expense | $508,000 | 3,749 |
| Additional noninterest expense | $1,490,000 | 3,313 |
| Pre-tax net operating income | $-517,000 | 12,389 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-517,000 | 12,359 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-517,000 | 12,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $845,000 | 979 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,831,000 | 251 |
| Net operating income | $-517,000 | 12,367 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,350,000 | 7,755 |
| Total interest expense | $652,000 | 10,859 |
| Net interest income | $2,698,000 | 6,169 |
| Provision for loan and lease losses | $592,000 | 1,882 |
| Total noninterest income | $492,000 | 5,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 4,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,477 |
| Total noninterest expense | $3,038,000 | 4,459 |
| Salaries and employee benefits | $1,406,000 | 4,529 |
| Premises and equipment expense | $453,000 | 4,242 |
| Additional noninterest expense | $1,179,000 | 4,254 |
| Pre-tax net operating income | $-440,000 | 12,828 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,000 | 12,040 |
| Income before extraordinary items | $-442,000 | 12,878 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-442,000 | 12,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 1,870 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-442,000 | 12,818 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,944,000 | 7,587 |
| Total interest expense | $942,000 | 10,653 |
| Net interest income | $3,002,000 | 5,708 |
| Provision for loan and lease losses | $323,000 | 3,961 |
| Total noninterest income | $396,000 | 6,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,442 |
| Total noninterest expense | $2,747,000 | 4,896 |
| Salaries and employee benefits | $1,242,000 | 5,006 |
| Premises and equipment expense | $487,000 | 4,060 |
| Additional noninterest expense | $1,018,000 | 4,987 |
| Pre-tax net operating income | $328,000 | 9,886 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $164,000 | 8,298 |
| Income before extraordinary items | $164,000 | 11,079 |
| Extraordinary gains, net | $120,000 | 650 |
| Net income | $284,000 | 9,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 6,645 |
| Cash dividends | $241,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $164,000 | 10,747 |
* 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.