Home > Bay Bank of Commerce > Income and Expense

Bay Bank of Commerce, Income and Expense

2003-12-31 (YTD Data)Rank
Total interest income$13,043,0002,184
Total interest expense$3,070,0002,805
Net interest income$9,973,0001,963
Provision for loan and lease losses$609,0001,820
Total noninterest income$1,637,0002,652
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$576,0002,785
Trading account gains and fees$0160
Additional Noninterest Income$1,061,0002,301
Total noninterest expense$7,447,0002,112
Salaries and employee benefits$1,374,0005,156
Premises and equipment expense$776,0002,833
Additional noninterest expense$5,297,000959
Pre-tax net operating income$3,554,0002,191
Securities gains (losses)$437,000828
Applicable income taxes$1,487,0001,633
Income before extraordinary items$2,504,0002,372
Extraordinary gains, net$054
Net income$2,504,0002,375
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$394,0001,893
Cash dividends$1,114,0002,157
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,224,3202,508
2003-09-30 (YTD Data)Rank
Total interest income$9,784,0002,224
Total interest expense$2,406,0002,783
Net interest income$7,378,0001,999
Provision for loan and lease losses$602,0001,399
Total noninterest income$1,315,0002,589
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$435,0002,769
Trading account gains and fees$0153
Additional Noninterest Income$880,0002,230
Total noninterest expense$5,839,0002,028
Salaries and employee benefits$1,148,0004,775
Premises and equipment expense$590,0002,819
Additional noninterest expense$4,101,000940
Pre-tax net operating income$2,252,0002,598
Securities gains (losses)$326,000913
Applicable income taxes$950,0001,934
Income before extraordinary items$1,628,0002,788
Extraordinary gains, net$040
Net income$1,628,0002,787
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$294,0001,725
Cash dividends$840,0001,952
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,419,3602,943
2003-06-30 (YTD Data)Rank
Total interest income$6,528,0002,241
Total interest expense$1,665,0002,758
Net interest income$4,863,0002,012
Provision for loan and lease losses$-7,0009,087
Total noninterest income$983,0002,385
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$287,0002,748
Trading account gains and fees$0150
Additional Noninterest Income$696,0001,980
Total noninterest expense$4,026,0001,956
Salaries and employee benefits$809,0004,575
Premises and equipment expense$383,0002,877
Additional noninterest expense$2,834,000911
Pre-tax net operating income$1,827,0002,204
Securities gains (losses)$199,0001,043
Applicable income taxes$749,0001,717
Income before extraordinary items$1,277,0002,435
Extraordinary gains, net$030
Net income$1,277,0002,433
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,265
Cash dividends$566,0001,978
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,149,6402,525
2003-03-31 (YTD Data)Rank
Total interest income$3,496,0002,102
Total interest expense$944,0002,558
Net interest income$2,552,0001,908
Provision for loan and lease losses$-1,0009,135
Total noninterest income$549,0002,138
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$143,0002,678
Trading account gains and fees$0134
Additional Noninterest Income$406,0001,723
Total noninterest expense$2,129,0001,841
Salaries and employee benefits$381,0004,785
Premises and equipment expense$185,0002,937
Additional noninterest expense$1,563,000810
Pre-tax net operating income$973,0002,092
Securities gains (losses)$98,0001,014
Applicable income taxes$395,0001,641
Income before extraordinary items$676,0002,257
Extraordinary gains, net$021
Net income$676,0002,255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0003,284
Cash dividends$251,0001,944
Sale, conversion, retirement of capital stock, net$0419
Net operating income$613,2802,353
2002-12-31 (YTD Data)Rank
Total interest income$18,914,0001,624
Total interest expense$5,360,0002,095
Net interest income$13,554,0001,447
Provision for loan and lease losses$646,0001,948
Total noninterest income$1,860,0002,266
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$502,0002,961
Trading account gains and fees$0153
Additional Noninterest Income$1,358,0001,782
Total noninterest expense$7,728,0001,954
Salaries and employee benefits$1,689,0004,292
Premises and equipment expense$827,0002,608
Additional noninterest expense$5,212,000957
Pre-tax net operating income$7,040,0001,203
Securities gains (losses)$633,000567
Applicable income taxes$2,986,000926
Income before extraordinary items$4,687,0001,337
Extraordinary gains, net$070
Net income$4,687,0001,337
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0005,010
Cash dividends$250,0004,584
Sale, conversion, retirement of capital stock, net$0862
Net operating income$4,281,8801,404
2001-12-31 (YTD Data)Rank
Total interest income$16,838,0002,041
Total interest expense$6,274,0002,549
Net interest income$10,564,0001,691
Provision for loan and lease losses$60,0006,353
Total noninterest income$1,298,0002,777
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$419,0003,258
Trading account gains and fees$0177
Additional Noninterest Income$879,0002,243
Total noninterest expense$7,875,0001,836
Salaries and employee benefits$1,822,0003,879
Premises and equipment expense$845,0002,497
Additional noninterest expense$5,208,000938
Pre-tax net operating income$3,927,0001,799
Securities gains (losses)$136,0001,482
Applicable income taxes$1,541,0001,465
Income before extraordinary items$2,522,0002,076
Extraordinary gains, net$0105
Net income$2,522,0002,079
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0003,915
Cash dividends$381,0003,983
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,434,9602,069
2000-12-31 (YTD Data)Rank
Total interest income$12,809,0002,718
Total interest expense$4,571,0003,571
Net interest income$8,238,0002,148
Provision for loan and lease losses$303,0002,805
Total noninterest income$976,0003,194
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$210,0004,967
Trading account gains and fees$0180
Additional Noninterest Income$766,0002,207
Total noninterest expense$6,428,0002,145
Salaries and employee benefits$1,651,0004,047
Premises and equipment expense$811,0002,543
Additional noninterest expense$3,966,0001,152
Pre-tax net operating income$2,483,0002,775
Securities gains (losses)$51,000716
Applicable income taxes$944,0002,233
Income before extraordinary items$1,590,0003,102
Extraordinary gains, net$038
Net income$1,590,0003,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-49,0009,605
Cash dividends$726,0002,848
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,557,3603,156
1999-12-31 (YTD Data)Rank
Total interest income$11,250,0002,873
Total interest expense$3,714,0003,827
Net interest income$7,536,0002,344
Provision for loan and lease losses$1,665,000652
Total noninterest income$976,0003,140
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$258,0004,435
Trading account gains and fees$0173
Additional Noninterest Income$718,0002,333
Total noninterest expense$7,380,0001,872
Salaries and employee benefits$3,041,0002,305
Premises and equipment expense$867,0002,344
Additional noninterest expense$3,472,0001,329
Pre-tax net operating income$-533,0009,874
Securities gains (losses)$4,0002,267
Applicable income taxes$-310,00010,091
Income before extraordinary items$-219,0009,698
Extraordinary gains, net$035
Net income$-219,0009,697
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-43,0009,856
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$334,000663
Net operating income$-221,5609,676
1998-12-31 (YTD Data)Rank
Total interest income$10,194,0003,176
Total interest expense$3,473,0004,157
Net interest income$6,721,0002,525
Provision for loan and lease losses$134,0004,412
Total noninterest income$932,0003,246
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$238,0004,659
Trading account gains and fees$0224
Additional Noninterest Income$694,0002,403
Total noninterest expense$5,577,0002,350
Salaries and employee benefits$3,239,0002,091
Premises and equipment expense$702,0002,765
Additional noninterest expense$1,636,0002,556
Pre-tax net operating income$1,942,0003,417
Securities gains (losses)$04,449
Applicable income taxes$686,0003,077
Income before extraordinary items$1,256,0003,780
Extraordinary gains, net$032
Net income$1,256,0003,779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$154,0002,864
Cash dividends$675,0002,913
Sale, conversion, retirement of capital stock, net$10,000961
Net operating income$1,256,0003,699
1997-12-31 (YTD Data)Rank
Total interest income$8,756,0003,656
Total interest expense$2,954,0004,783
Net interest income$5,802,0003,009
Provision for loan and lease losses$52,0006,573
Total noninterest income$975,0003,092
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$232,0004,890
Trading account gains and feesNANA
Additional Noninterest Income$743,0002,135
Total noninterest expense$5,005,0002,564
Salaries and employee benefits$2,874,0002,299
Premises and equipment expense$713,0002,690
Additional noninterest expense$1,418,0002,886
Pre-tax net operating income$1,720,0004,003
Securities gains (losses)$-3,0009,416
Applicable income taxes$616,0003,596
Income before extraordinary items$1,101,0004,365
Extraordinary gains, net$044
Net income$1,101,0004,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0006,380
Cash dividends$365,0004,157
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,102,9204,286
1996-12-31 (YTD Data)Rank
Total interest income$7,824,0004,127
Total interest expense$2,457,0005,576
Net interest income$5,367,0003,300
Provision for loan and lease losses$09,041
Total noninterest income$1,064,0002,979
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$220,0005,226
Trading account gains and feesNANA
Additional Noninterest Income$844,0002,023
Total noninterest expense$4,606,0002,955
Salaries and employee benefits$2,601,0002,570
Premises and equipment expense$631,0003,051
Additional noninterest expense$1,374,0003,361
Pre-tax net operating income$1,825,0003,664
Securities gains (losses)$-3,0009,684
Applicable income taxes$707,0003,153
Income before extraordinary items$1,115,0004,113
Extraordinary gains, net$053
Net income$1,115,0004,114
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,424
Cash dividends$325,0004,335
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,116,9204,061
1995-12-31 (YTD Data)Rank
Total interest income$7,456,0004,294
Total interest expense$2,304,0005,885
Net interest income$5,152,0003,439
Provision for loan and lease losses$-155,00011,786
Total noninterest income$786,0003,731
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$190,0005,864
Trading account gains and feesNANA
Additional Noninterest Income$596,0002,544
Total noninterest expense$4,417,0003,038
Salaries and employee benefits$2,472,0002,704
Premises and equipment expense$614,0003,155
Additional noninterest expense$1,331,0003,417
Pre-tax net operating income$1,676,0004,069
Securities gains (losses)$-35,00010,941
Applicable income taxes$637,0003,508
Income before extraordinary items$1,004,0004,606
Extraordinary gains, net$065
Net income$1,004,0004,604
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-382,00011,917
Cash dividends$335,0004,285
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,026,4004,482
1994-12-31 (YTD Data)Rank
Total interest income$6,086,0004,797
Total interest expense$1,762,0006,170
Net interest income$4,324,0004,070
Provision for loan and lease losses$-100,00012,140
Total noninterest income$1,116,0002,870
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$201,0005,848
Trading account gains and feesNANA
Additional Noninterest Income$915,0001,954
Total noninterest expense$4,435,0003,099
Salaries and employee benefits$2,435,0002,732
Premises and equipment expense$626,0003,147
Additional noninterest expense$1,374,0003,589
Pre-tax net operating income$1,105,0005,552
Securities gains (losses)$-3,0009,178
Applicable income taxes$407,0004,702
Income before extraordinary items$695,0005,946
Extraordinary gains, net$0249
Net income$695,0005,962
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,455
Cash dividends$20,0008,568
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$696,9205,997
1993-12-31 (YTD Data)Rank
Total interest income$5,520,0005,320
Total interest expense$1,551,0007,051
Net interest income$3,969,0004,439
Provision for loan and lease losses$010,371
Total noninterest income$1,223,0002,866
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0005,363
Trading account gains and feesNANA
Additional Noninterest Income$990,0002,044
Total noninterest expense$4,525,0003,102
Salaries and employee benefits$2,319,0002,840
Premises and equipment expense$677,0002,976
Additional noninterest expense$1,529,0003,459
Pre-tax net operating income$667,0007,532
Securities gains (losses)$16,0004,943
Applicable income taxes$208,0007,473
Income before extraordinary items$475,0007,742
Extraordinary gains, net$03,149
Net income$475,0007,924
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$194,0003,195
Cash dividends$65,0007,609
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$463,8007,600
1992-12-31 (YTD Data)Rank
Total interest income$6,213,0005,334
Total interest expense$2,203,0006,608
Net interest income$4,010,0004,436
Provision for loan and lease losses$2,038,0001,134
Total noninterest income$1,633,0002,244
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$278,0004,723
Trading account gains and feesNANA
Additional Noninterest Income$1,355,0001,618
Total noninterest expense$4,255,0003,315
Salaries and employee benefits$2,058,0003,143
Premises and equipment expense$661,0003,079
Additional noninterest expense$1,536,0003,528
Pre-tax net operating income$-650,00013,371
Securities gains (losses)$100,0003,002
Applicable income taxes$-240,00013,685
Income before extraordinary items$-310,00013,257
Extraordinary gains, net$01,422
Net income$-310,00013,252
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,597,0001,147
Cash dividends$280,0004,201
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-374,00013,206

* 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.