Home > Bank of Santa Clara > Income and Expense
Bank of Santa Clara, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $24,197,000 | 1,173 |
| Total interest expense | $6,483,000 | 1,371 |
| Net interest income | $17,714,000 | 1,089 |
| Provision for loan and lease losses | $-4,000 | 8,891 |
| Total noninterest income | $2,510,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,376,000 | 1,264 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,134,000 | 2,199 |
| Total noninterest expense | $15,092,000 | 1,080 |
| Salaries and employee benefits | $3,754,000 | 2,266 |
| Premises and equipment expense | $1,534,000 | 1,484 |
| Additional noninterest expense | $9,804,000 | 563 |
| Pre-tax net operating income | $5,136,000 | 1,577 |
| Securities gains (losses) | $1,196,000 | 415 |
| Applicable income taxes | $2,350,000 | 1,124 |
| Income before extraordinary items | $3,982,000 | 1,571 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,982,000 | 1,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $572,000 | 1,443 |
| Cash dividends | $2,366,000 | 1,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,216,560 | 1,838 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,533,000 | 1,178 |
| Total interest expense | $5,332,000 | 1,300 |
| Net interest income | $13,201,000 | 1,111 |
| Provision for loan and lease losses | $5,000 | 7,333 |
| Total noninterest income | $1,883,000 | 1,995 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,068,000 | 1,231 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $815,000 | 2,346 |
| Total noninterest expense | $11,569,000 | 1,053 |
| Salaries and employee benefits | $2,696,000 | 2,355 |
| Premises and equipment expense | $1,186,000 | 1,452 |
| Additional noninterest expense | $7,687,000 | 551 |
| Pre-tax net operating income | $3,510,000 | 1,785 |
| Securities gains (losses) | $1,187,000 | 395 |
| Applicable income taxes | $1,721,000 | 1,196 |
| Income before extraordinary items | $2,976,000 | 1,619 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,976,000 | 1,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,709 |
| Cash dividends | $1,783,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,216,320 | 2,020 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,631,000 | 1,161 |
| Total interest expense | $4,011,000 | 1,190 |
| Net interest income | $8,620,000 | 1,135 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $1,280,000 | 1,946 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $736,000 | 1,162 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $544,000 | 2,326 |
| Total noninterest expense | $7,702,000 | 1,056 |
| Salaries and employee benefits | $1,799,000 | 2,344 |
| Premises and equipment expense | $736,000 | 1,554 |
| Additional noninterest expense | $5,167,000 | 549 |
| Pre-tax net operating income | $2,189,000 | 1,894 |
| Securities gains (losses) | $1,165,000 | 331 |
| Applicable income taxes | $1,218,000 | 1,161 |
| Income before extraordinary items | $2,136,000 | 1,528 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,136,000 | 1,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,706 |
| Cash dividends | $1,199,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,390,400 | 2,128 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,485,000 | 1,133 |
| Total interest expense | $1,924,000 | 1,271 |
| Net interest income | $4,561,000 | 1,073 |
| Provision for loan and lease losses | $-3,000 | 9,155 |
| Total noninterest income | $639,000 | 1,904 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $381,000 | 1,085 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $258,000 | 2,322 |
| Total noninterest expense | $4,154,000 | 976 |
| Salaries and employee benefits | $971,000 | 2,175 |
| Premises and equipment expense | $339,000 | 1,681 |
| Additional noninterest expense | $2,844,000 | 509 |
| Pre-tax net operating income | $1,049,000 | 1,953 |
| Securities gains (losses) | $982,000 | 221 |
| Applicable income taxes | $728,000 | 1,033 |
| Income before extraordinary items | $1,303,000 | 1,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,303,000 | 1,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 1,565 |
| Cash dividends | $535,000 | 1,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $674,520 | 2,149 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,103,000 | 920 |
| Total interest expense | $9,809,000 | 1,148 |
| Net interest income | $23,294,000 | 822 |
| Provision for loan and lease losses | $275,000 | 3,639 |
| Total noninterest income | $2,983,000 | 1,566 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,791,000 | 904 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,192,000 | 1,944 |
| Total noninterest expense | $15,015,000 | 1,032 |
| Salaries and employee benefits | $4,201,000 | 1,919 |
| Premises and equipment expense | $1,397,000 | 1,588 |
| Additional noninterest expense | $9,417,000 | 581 |
| Pre-tax net operating income | $10,987,000 | 788 |
| Securities gains (losses) | $582,000 | 609 |
| Applicable income taxes | $4,343,000 | 671 |
| Income before extraordinary items | $7,226,000 | 868 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,226,000 | 866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 2,056 |
| Cash dividends | $5,264,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,853,520 | 876 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,888,000 | 1,003 |
| Total interest expense | $11,040,000 | 1,469 |
| Net interest income | $22,848,000 | 775 |
| Provision for loan and lease losses | $-173,000 | 9,554 |
| Total noninterest income | $2,771,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,824,000 | 808 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $947,000 | 2,123 |
| Total noninterest expense | $14,491,000 | 1,021 |
| Salaries and employee benefits | $4,777,000 | 1,581 |
| Premises and equipment expense | $1,625,000 | 1,318 |
| Additional noninterest expense | $8,089,000 | 667 |
| Pre-tax net operating income | $11,301,000 | 685 |
| Securities gains (losses) | $224,000 | 1,100 |
| Applicable income taxes | $4,288,000 | 613 |
| Income before extraordinary items | $7,237,000 | 769 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,237,000 | 769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,210 |
| Cash dividends | $1,738,000 | 1,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $7,093,640 | 754 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,720,000 | 1,183 |
| Total interest expense | $8,672,000 | 1,991 |
| Net interest income | $21,048,000 | 828 |
| Provision for loan and lease losses | $4,103,000 | 369 |
| Total noninterest income | $3,561,000 | 1,163 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,754,000 | 771 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,807,000 | 1,220 |
| Total noninterest expense | $18,551,000 | 802 |
| Salaries and employee benefits | $7,836,000 | 888 |
| Premises and equipment expense | $2,372,000 | 840 |
| Additional noninterest expense | $8,343,000 | 659 |
| Pre-tax net operating income | $1,955,000 | 3,386 |
| Securities gains (losses) | $36,000 | 798 |
| Applicable income taxes | $664,000 | 2,905 |
| Income before extraordinary items | $1,327,000 | 3,585 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,327,000 | 3,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,499 |
| Cash dividends | $2,202,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $386,000 | 576 |
| Net operating income | $1,302,880 | 3,618 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,176,000 | 1,341 |
| Total interest expense | $6,214,000 | 2,360 |
| Net interest income | $17,962,000 | 981 |
| Provision for loan and lease losses | $675,000 | 1,358 |
| Total noninterest income | $3,792,000 | 1,137 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,784,000 | 747 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,008,000 | 1,151 |
| Total noninterest expense | $14,294,000 | 980 |
| Salaries and employee benefits | $7,839,000 | 875 |
| Premises and equipment expense | $2,195,000 | 910 |
| Additional noninterest expense | $4,260,000 | 1,100 |
| Pre-tax net operating income | $6,785,000 | 1,134 |
| Securities gains (losses) | $16,000 | 1,502 |
| Applicable income taxes | $2,398,000 | 1,052 |
| Income before extraordinary items | $4,403,000 | 1,238 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,403,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,328 |
| Cash dividends | $1,264,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $369,000 | 653 |
| Net operating income | $4,392,600 | 1,221 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,437,000 | 1,437 |
| Total interest expense | $6,247,000 | 2,416 |
| Net interest income | $16,190,000 | 1,043 |
| Provision for loan and lease losses | $600,000 | 1,475 |
| Total noninterest income | $3,398,000 | 1,225 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,661,000 | 751 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,737,000 | 1,276 |
| Total noninterest expense | $13,014,000 | 1,019 |
| Salaries and employee benefits | $7,134,000 | 922 |
| Premises and equipment expense | $1,927,000 | 1,000 |
| Additional noninterest expense | $3,953,000 | 1,131 |
| Pre-tax net operating income | $5,974,000 | 1,260 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,018,000 | 1,256 |
| Income before extraordinary items | $3,956,000 | 1,343 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,956,000 | 1,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $496,000 | 1,255 |
| Cash dividends | $1,115,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 719 |
| Net operating income | $3,956,000 | 1,286 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,722,000 | 1,596 |
| Total interest expense | $5,908,000 | 2,524 |
| Net interest income | $14,814,000 | 1,185 |
| Provision for loan and lease losses | $800,000 | 1,181 |
| Total noninterest income | $2,980,000 | 1,297 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,560,000 | 815 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,420,000 | 1,375 |
| Total noninterest expense | $12,017,000 | 1,109 |
| Salaries and employee benefits | $6,486,000 | 1,021 |
| Premises and equipment expense | $1,833,000 | 1,079 |
| Additional noninterest expense | $3,698,000 | 1,194 |
| Pre-tax net operating income | $4,977,000 | 1,560 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $1,618,000 | 1,596 |
| Income before extraordinary items | $3,365,000 | 1,609 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,365,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,009 |
| Cash dividends | $1,018,000 | 2,130 |
| Sale, conversion, retirement of capital stock, net | $455,000 | 562 |
| Net operating income | $3,360,920 | 1,571 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,796,000 | 1,797 |
| Total interest expense | $5,586,000 | 2,710 |
| Net interest income | $13,210,000 | 1,355 |
| Provision for loan and lease losses | $650,000 | 1,408 |
| Total noninterest income | $2,515,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,425,000 | 927 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,090,000 | 1,704 |
| Total noninterest expense | $10,564,000 | 1,357 |
| Salaries and employee benefits | $5,790,000 | 1,160 |
| Premises and equipment expense | $1,476,000 | 1,378 |
| Additional noninterest expense | $3,298,000 | 1,592 |
| Pre-tax net operating income | $4,511,000 | 1,605 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $1,485,000 | 1,618 |
| Income before extraordinary items | $3,031,000 | 1,642 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,031,000 | 1,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,501 |
| Cash dividends | $878,000 | 2,357 |
| Sale, conversion, retirement of capital stock, net | $565,000 | 446 |
| Net operating income | $3,027,650 | 1,615 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,965,000 | 1,986 |
| Total interest expense | $5,016,000 | 3,020 |
| Net interest income | $11,949,000 | 1,505 |
| Provision for loan and lease losses | $475,000 | 1,647 |
| Total noninterest income | $2,549,000 | 1,521 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,384,000 | 965 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,165,000 | 1,631 |
| Total noninterest expense | $9,960,000 | 1,424 |
| Salaries and employee benefits | $5,397,000 | 1,234 |
| Premises and equipment expense | $1,526,000 | 1,349 |
| Additional noninterest expense | $3,037,000 | 1,681 |
| Pre-tax net operating income | $4,063,000 | 1,823 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $1,334,000 | 1,831 |
| Income before extraordinary items | $2,736,000 | 1,841 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,736,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 1,222 |
| Cash dividends | $767,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $574,000 | 358 |
| Net operating income | $2,731,310 | 1,825 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,450,000 | 1,998 |
| Total interest expense | $3,946,000 | 3,092 |
| Net interest income | $11,504,000 | 1,568 |
| Provision for loan and lease losses | $660,000 | 1,248 |
| Total noninterest income | $2,404,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,218,000 | 1,091 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,186,000 | 1,637 |
| Total noninterest expense | $9,602,000 | 1,534 |
| Salaries and employee benefits | $5,202,000 | 1,297 |
| Premises and equipment expense | $1,664,000 | 1,251 |
| Additional noninterest expense | $2,736,000 | 1,982 |
| Pre-tax net operating income | $3,646,000 | 1,959 |
| Securities gains (losses) | $32,000 | 1,429 |
| Applicable income taxes | $1,216,000 | 1,856 |
| Income before extraordinary items | $2,462,000 | 1,987 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,462,000 | 1,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $536,000 | 1,314 |
| Cash dividends | $699,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $224,000 | 669 |
| Net operating income | $2,440,560 | 2,016 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,304,000 | 2,172 |
| Total interest expense | $3,842,000 | 3,279 |
| Net interest income | $10,462,000 | 1,732 |
| Provision for loan and lease losses | $450,000 | 2,259 |
| Total noninterest income | $2,151,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,090,000 | 1,237 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,061,000 | 1,953 |
| Total noninterest expense | $9,048,000 | 1,673 |
| Salaries and employee benefits | $4,852,000 | 1,383 |
| Premises and equipment expense | $1,600,000 | 1,332 |
| Additional noninterest expense | $2,596,000 | 2,149 |
| Pre-tax net operating income | $3,115,000 | 2,187 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $856,000 | 2,613 |
| Income before extraordinary items | $2,266,000 | 2,208 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,266,000 | 2,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,614 |
| Cash dividends | $381,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,260,890 | 2,078 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,573,000 | 2,607 |
| Total interest expense | $4,563,000 | 3,599 |
| Net interest income | $9,010,000 | 2,034 |
| Provision for loan and lease losses | $340,000 | 3,839 |
| Total noninterest income | $1,756,000 | 2,125 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $927,000 | 1,447 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $829,000 | 2,262 |
| Total noninterest expense | $7,851,000 | 1,918 |
| Salaries and employee benefits | $4,227,000 | 1,576 |
| Premises and equipment expense | $1,241,000 | 1,708 |
| Additional noninterest expense | $2,383,000 | 2,414 |
| Pre-tax net operating income | $2,575,000 | 2,403 |
| Securities gains (losses) | $41,000 | 4,460 |
| Applicable income taxes | $708,000 | 2,939 |
| Income before extraordinary items | $1,908,000 | 2,397 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,908,000 | 2,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 5,342 |
| Cash dividends | $190,000 | 5,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,878,070 | 2,266 |
* 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.