Home > Bank of Petaluma > Income and Expense

Bank of Petaluma, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$16,420,000	1,738
Total interest expense	$4,219,000	2,110
Net interest income	$12,201,000	1,595
Provision for loan and lease losses	$3,000	7,580
Total noninterest income	$1,204,000	3,295
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$521,000	2,989
Trading account gains and fees	$0	160
Additional Noninterest Income	$683,000	3,011
Total noninterest expense	$9,128,000	1,745
Salaries and employee benefits	$2,381,000	3,397
Premises and equipment expense	$717,000	3,026
Additional noninterest expense	$6,030,000	850
Pre-tax net operating income	$4,274,000	1,879
Securities gains (losses)	$199,000	1,348
Applicable income taxes	$1,684,000	1,464
Income before extraordinary items	$2,789,000	2,181
Extraordinary gains, net	$0	54
Net income	$2,789,000	2,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,392
Cash dividends	$969,000	2,386
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,661,640	2,157
2003-09-30 (YTD Data)		Rank
Total interest income	$11,974,000	1,810
Total interest expense	$3,298,000	2,108
Net interest income	$8,676,000	1,691
Provision for loan and lease losses	$-10,000	9,032
Total noninterest income	$867,000	3,452
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$396,000	2,968
Trading account gains and fees	$0	153
Additional Noninterest Income	$471,000	3,235
Total noninterest expense	$6,781,000	1,764
Salaries and employee benefits	$1,581,000	3,751
Premises and equipment expense	$544,000	3,001
Additional noninterest expense	$4,656,000	839
Pre-tax net operating income	$2,772,000	2,181
Securities gains (losses)	$178,000	1,300
Applicable income taxes	$1,102,000	1,713
Income before extraordinary items	$1,848,000	2,494
Extraordinary gains, net	$0	40
Net income	$1,848,000	2,493
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,221
Cash dividends	$730,000	2,124
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,734,080	2,505
2003-06-30 (YTD Data)		Rank
Total interest income	$7,963,000	1,842
Total interest expense	$2,247,000	2,130
Net interest income	$5,716,000	1,705
Provision for loan and lease losses	$4,000	7,175
Total noninterest income	$558,000	3,512
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$270,000	2,889
Trading account gains and fees	$0	150
Additional Noninterest Income	$288,000	3,379
Total noninterest expense	$4,446,000	1,782
Salaries and employee benefits	$1,076,000	3,680
Premises and equipment expense	$316,000	3,337
Additional noninterest expense	$3,054,000	860
Pre-tax net operating income	$1,824,000	2,211
Securities gains (losses)	$162,000	1,183
Applicable income taxes	$741,000	1,731
Income before extraordinary items	$1,245,000	2,491
Extraordinary gains, net	$0	30
Net income	$1,245,000	2,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,111
Cash dividends	$491,000	2,199
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,141,320	2,535
2003-03-31 (YTD Data)		Rank
Total interest income	$4,038,000	1,818
Total interest expense	$1,154,000	2,119
Net interest income	$2,884,000	1,695
Provision for loan and lease losses	$3,000	6,662
Total noninterest income	$261,000	3,540
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$135,000	2,807
Trading account gains and fees	$0	134
Additional Noninterest Income	$126,000	3,520
Total noninterest expense	$2,438,000	1,646
Salaries and employee benefits	$571,000	3,499
Premises and equipment expense	$158,000	3,343
Additional noninterest expense	$1,709,000	743
Pre-tax net operating income	$704,000	2,726
Securities gains (losses)	$159,000	758
Applicable income taxes	$325,000	1,941
Income before extraordinary items	$538,000	2,790
Extraordinary gains, net	$0	21
Net income	$538,000	2,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,123
Cash dividends	$219,000	2,109
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$436,240	3,088
2002-12-31 (YTD Data)		Rank
Total interest income	$20,187,000	1,524
Total interest expense	$6,477,000	1,757
Net interest income	$13,710,000	1,422
Provision for loan and lease losses	$130,000	5,190
Total noninterest income	$1,101,000	3,264
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$582,000	2,621
Trading account gains and fees	$0	153
Additional Noninterest Income	$519,000	3,218
Total noninterest expense	$8,513,000	1,783
Salaries and employee benefits	$1,974,000	3,776
Premises and equipment expense	$683,000	3,056
Additional noninterest expense	$5,856,000	850
Pre-tax net operating income	$6,168,000	1,359
Securities gains (losses)	$1,084,000	398
Applicable income taxes	$2,780,000	993
Income before extraordinary items	$4,472,000	1,390
Extraordinary gains, net	$0	70
Net income	$4,472,000	1,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,046
Cash dividends	$3,817,000	772
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,778,240	1,547
2001-12-31 (YTD Data)		Rank
Total interest income	$18,564,000	1,849
Total interest expense	$7,286,000	2,202
Net interest income	$11,278,000	1,579
Provision for loan and lease losses	$-162,000	9,552
Total noninterest income	$1,046,000	3,237
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$617,000	2,384
Trading account gains and fees	$0	177
Additional Noninterest Income	$429,000	3,399
Total noninterest expense	$7,799,000	1,856
Salaries and employee benefits	$2,010,000	3,574
Premises and equipment expense	$944,000	2,259
Additional noninterest expense	$4,845,000	1,005
Pre-tax net operating income	$4,687,000	1,531
Securities gains (losses)	$223,000	1,105
Applicable income taxes	$1,830,000	1,270
Income before extraordinary items	$3,080,000	1,707
Extraordinary gains, net	$0	105
Net income	$3,080,000	1,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,166
Cash dividends	$724,000	2,800
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,937,280	1,729
2000-12-31 (YTD Data)		Rank
Total interest income	$15,436,000	2,274
Total interest expense	$5,881,000	2,838
Net interest income	$9,555,000	1,846
Provision for loan and lease losses	$1,900,000	635
Total noninterest income	$1,289,000	2,614
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$696,000	1,989
Trading account gains and fees	$0	180
Additional Noninterest Income	$593,000	2,650
Total noninterest expense	$6,832,000	2,025
Salaries and employee benefits	$3,375,000	2,121
Premises and equipment expense	$951,000	2,170
Additional noninterest expense	$2,506,000	1,767
Pre-tax net operating income	$2,112,000	3,183
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,141,000	1,898
Income before extraordinary items	$971,000	4,469
Extraordinary gains, net	$0	38
Net income	$971,000	4,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	9,523
Cash dividends	$175,000	5,311
Sale, conversion, retirement of capital stock, net	$265,000	607
Net operating income	$971,000	4,468
1999-12-31 (YTD Data)		Rank
Total interest income	$13,703,000	2,388
Total interest expense	$5,046,000	2,893
Net interest income	$8,657,000	2,038
Provision for loan and lease losses	$300,000	2,624
Total noninterest income	$1,097,000	2,893
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$696,000	1,912
Trading account gains and fees	$0	173
Additional Noninterest Income	$401,000	3,409
Total noninterest expense	$6,165,000	2,220
Salaries and employee benefits	$3,193,000	2,196
Premises and equipment expense	$1,022,000	2,004
Additional noninterest expense	$1,950,000	2,240
Pre-tax net operating income	$3,289,000	2,221
Securities gains (losses)	$38,000	1,095
Applicable income taxes	$1,022,000	2,185
Income before extraordinary items	$2,305,000	2,265
Extraordinary gains, net	$0	35
Net income	$2,305,000	2,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,087
Cash dividends	$173,000	5,458
Sale, conversion, retirement of capital stock, net	$376,000	650
Net operating income	$2,278,780	2,265
1998-12-31 (YTD Data)		Rank
Total interest income	$12,762,000	2,560
Total interest expense	$4,938,000	3,031
Net interest income	$7,824,000	2,183
Provision for loan and lease losses	$220,000	3,309
Total noninterest income	$1,122,000	2,837
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$707,000	1,806
Trading account gains and fees	$0	224
Additional Noninterest Income	$415,000	3,354
Total noninterest expense	$5,649,000	2,317
Salaries and employee benefits	$2,972,000	2,269
Premises and equipment expense	$917,000	2,114
Additional noninterest expense	$1,760,000	2,365
Pre-tax net operating income	$3,077,000	2,316
Securities gains (losses)	$52,000	1,697
Applicable income taxes	$1,013,000	2,297
Income before extraordinary items	$2,116,000	2,436
Extraordinary gains, net	$0	32
Net income	$2,116,000	2,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	3,605
Cash dividends	$152,000	5,755
Sale, conversion, retirement of capital stock, net	$627,000	533
Net operating income	$2,080,640	2,388
1997-12-31 (YTD Data)		Rank
Total interest income	$10,795,000	3,008
Total interest expense	$4,248,000	3,461
Net interest income	$6,547,000	2,660
Provision for loan and lease losses	$340,000	2,366
Total noninterest income	$1,118,000	2,790
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$642,000	2,041
Trading account gains and fees	$0	239
Additional Noninterest Income	$476,000	2,929
Total noninterest expense	$5,049,000	2,540
Salaries and employee benefits	$2,558,000	2,590
Premises and equipment expense	$914,000	2,152
Additional noninterest expense	$1,577,000	2,601
Pre-tax net operating income	$2,276,000	3,165
Securities gains (losses)	$-74,000	10,717
Applicable income taxes	$726,000	3,143
Income before extraordinary items	$1,476,000	3,410
Extraordinary gains, net	$0	44
Net income	$1,476,000	3,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,853
Cash dividends	$130,000	6,116
Sale, conversion, retirement of capital stock, net	$372,000	585
Net operating income	$1,525,580	3,234
1996-12-31 (YTD Data)		Rank
Total interest income	$9,333,000	3,493
Total interest expense	$3,599,000	4,084
Net interest income	$5,734,000	3,088
Provision for loan and lease losses	$334,000	2,394
Total noninterest income	$889,000	3,427
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$619,000	2,179
Trading account gains and fees	NA	NA
Additional Noninterest Income	$270,000	4,328
Total noninterest expense	$4,870,000	2,806
Salaries and employee benefits	$2,382,000	2,816
Premises and equipment expense	$810,000	2,423
Additional noninterest expense	$1,678,000	2,841
Pre-tax net operating income	$1,419,000	4,530
Securities gains (losses)	$90,000	1,006
Applicable income taxes	$434,000	4,632
Income before extraordinary items	$1,075,000	4,223
Extraordinary gains, net	$0	53
Net income	$1,075,000	4,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$166,000	2,990
Cash dividends	$121,000	6,377
Sale, conversion, retirement of capital stock, net	$105,000	654
Net operating income	$1,011,100	4,403
1995-12-31 (YTD Data)		Rank
Total interest income	$7,794,000	4,107
Total interest expense	$2,943,000	4,852
Net interest income	$4,851,000	3,639
Provision for loan and lease losses	$313,000	2,218
Total noninterest income	$752,000	3,868
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$535,000	2,510
Trading account gains and fees	NA	NA
Additional Noninterest Income	$217,000	4,883
Total noninterest expense	$4,195,000	3,181
Salaries and employee benefits	$2,081,000	3,187
Premises and equipment expense	$692,000	2,839
Additional noninterest expense	$1,422,000	3,226
Pre-tax net operating income	$1,095,000	5,620
Securities gains (losses)	$174,000	726
Applicable income taxes	$281,000	6,244
Income before extraordinary items	$988,000	4,670
Extraordinary gains, net	$0	65
Net income	$988,000	4,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,648
Cash dividends	$83,000	7,133
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$852,280	5,199
1994-12-31 (YTD Data)		Rank
Total interest income	$5,309,000	5,388
Total interest expense	$1,656,000	6,454
Net interest income	$3,653,000	4,751
Provision for loan and lease losses	$247,000	2,626
Total noninterest income	$524,000	5,126
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$365,000	3,697
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	6,034
Total noninterest expense	$3,473,000	3,875
Salaries and employee benefits	$1,612,000	4,004
Premises and equipment expense	$593,000	3,307
Additional noninterest expense	$1,268,000	3,862
Pre-tax net operating income	$457,000	8,945
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$5,000	11,491
Income before extraordinary items	$451,000	7,703
Extraordinary gains, net	$0	249
Net income	$451,000	7,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,935
Cash dividends	$54,000	7,843
Sale, conversion, retirement of capital stock, net	$1,153,000	398
Net operating income	$451,990	7,745
1993-12-31 (YTD Data)		Rank
Total interest income	$4,073,000	6,784
Total interest expense	$1,289,000	7,925
Net interest income	$2,784,000	6,004
Provision for loan and lease losses	$120,000	5,200
Total noninterest income	$371,000	6,791
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$236,000	5,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	6,905
Total noninterest expense	$2,705,000	4,918
Salaries and employee benefits	$1,223,000	5,148
Premises and equipment expense	$413,000	4,596
Additional noninterest expense	$1,069,000	4,656
Pre-tax net operating income	$330,000	9,981
Securities gains (losses)	$47,000	3,500
Applicable income taxes	$25,000	11,496
Income before extraordinary items	$352,000	8,913
Extraordinary gains, net	$0	3,149
Net income	$352,000	9,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	4,392
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$308,290	9,122
1992-12-31 (YTD Data)		Rank
Total interest income	$3,916,000	7,622
Total interest expense	$1,387,000	8,903
Net interest income	$2,529,000	6,533
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$276,000	8,079
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	5,714
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	9,744
Total noninterest expense	$2,061,000	6,221
Salaries and employee benefits	$970,000	6,197
Premises and equipment expense	$328,000	5,618
Additional noninterest expense	$763,000	6,328
Pre-tax net operating income	$624,000	7,554
Securities gains (losses)	$43,000	4,369
Applicable income taxes	$178,000	8,017
Income before extraordinary items	$489,000	7,423
Extraordinary gains, net	$0	1,422
Net income	$489,000	7,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	8,793
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$4,000	1,110
Net operating income	$457,610	7,315

* 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.