Home > Bay Loan and Investment Bank > Income and Expense
Bay Loan and Investment Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 8,760 |
| Total interest expense | $374,000 | 10,387 |
| Net interest income | $1,845,000 | 7,223 |
| Provision for loan and lease losses | $-600,000 | 10,875 |
| Total noninterest income | $283,000 | 6,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,064 |
| Total noninterest expense | $1,391,000 | 7,060 |
| Salaries and employee benefits | $760,000 | 6,970 |
| Premises and equipment expense | $93,000 | 9,130 |
| Additional noninterest expense | $538,000 | 6,205 |
| Pre-tax net operating income | $1,337,000 | 4,871 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $480,000 | 4,331 |
| Income before extraordinary items | $857,000 | 5,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $857,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 10,730 |
| Cash dividends | $4,100,000 | 727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $857,000 | 5,174 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,165,000 | 7,786 |
| Total interest expense | $1,115,000 | 8,645 |
| Net interest income | $2,050,000 | 7,046 |
| Provision for loan and lease losses | $-300,000 | 11,371 |
| Total noninterest income | $210,000 | 8,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,032 |
| Total noninterest expense | $1,523,000 | 7,043 |
| Salaries and employee benefits | $674,000 | 7,687 |
| Premises and equipment expense | $164,000 | 7,747 |
| Additional noninterest expense | $685,000 | 5,822 |
| Pre-tax net operating income | $1,037,000 | 5,606 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $364,000 | 5,198 |
| Income before extraordinary items | $673,000 | 5,879 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $673,000 | 5,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $4,500,000 | 716 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $673,000 | 5,822 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,089,000 | 6,894 |
| Total interest expense | $1,714,000 | 7,105 |
| Net interest income | $2,375,000 | 6,527 |
| Provision for loan and lease losses | $-159,000 | 11,788 |
| Total noninterest income | $242,000 | 7,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 4,569 |
| Total noninterest expense | $2,364,000 | 5,241 |
| Salaries and employee benefits | $805,000 | 7,077 |
| Premises and equipment expense | $158,000 | 8,078 |
| Additional noninterest expense | $1,401,000 | 3,260 |
| Pre-tax net operating income | $412,000 | 8,983 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $78,000 | 9,622 |
| Income before extraordinary items | $334,000 | 8,621 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $334,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-232,000 | 11,876 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $334,000 | 8,589 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,583,000 | 3,926 |
| Total interest expense | $5,003,000 | 2,460 |
| Net interest income | $2,580,000 | 6,310 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $2,915,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,915,000 | 892 |
| Total noninterest expense | $4,166,000 | 3,305 |
| Salaries and employee benefits | $1,115,000 | 5,585 |
| Premises and equipment expense | $230,000 | 6,858 |
| Additional noninterest expense | $2,821,000 | 1,920 |
| Pre-tax net operating income | $1,329,000 | 4,859 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $406,000 | 4,710 |
| Income before extraordinary items | $923,000 | 4,801 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $923,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $648,000 | 1,150 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $923,000 | 4,854 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,198,000 | 2,067 |
| Total interest expense | $10,579,000 | 1,276 |
| Net interest income | $4,619,000 | 3,829 |
| Provision for loan and lease losses | $283,000 | 3,136 |
| Total noninterest income | $336,000 | 7,199 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $336,000 | 4,203 |
| Total noninterest expense | $6,008,000 | 2,395 |
| Salaries and employee benefits | $1,268,000 | 4,986 |
| Premises and equipment expense | $303,000 | 5,803 |
| Additional noninterest expense | $4,437,000 | 1,394 |
| Pre-tax net operating income | $-1,336,000 | 13,024 |
| Securities gains (losses) | $72,000 | 2,926 |
| Applicable income taxes | $-554,000 | 13,142 |
| Income before extraordinary items | $-710,000 | 12,947 |
| Extraordinary gains, net | $5,800,000 | 54 |
| Net income | $5,090,000 | 1,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,016,000 | 1,132 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-756,080 | 12,913 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,929,000 | 1,695 |
| Total interest expense | $16,954,000 | 1,069 |
| Net interest income | $3,975,000 | 4,470 |
| Provision for loan and lease losses | $773,000 | 2,202 |
| Total noninterest income | $221,000 | 9,009 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $221,000 | 5,344 |
| Total noninterest expense | $9,828,000 | 1,560 |
| Salaries and employee benefits | $1,636,000 | 3,918 |
| Premises and equipment expense | $362,000 | 5,215 |
| Additional noninterest expense | $7,830,000 | 933 |
| Pre-tax net operating income | $-6,405,000 | 13,820 |
| Securities gains (losses) | $103,000 | 2,957 |
| Applicable income taxes | $-1,130,000 | 13,837 |
| Income before extraordinary items | $-5,172,000 | 13,805 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-5,172,000 | 13,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,648,000 | 1,121 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-5,256,460 | 13,776 |
* 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.