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Calwest Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,855,0005,672
Total interest expense$1,686,0006,568
Net interest income$3,169,0004,970
Provision for loan and lease losses$410,0002,065
Total noninterest income$169,0007,853
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$149,0005,863
Trading account gains and feesNANA
Additional Noninterest Income$20,0009,255
Total noninterest expense$4,297,0003,096
Salaries and employee benefits$1,545,0004,232
Premises and equipment expense$614,0003,184
Additional noninterest expense$2,138,0002,037
Pre-tax net operating income$-1,369,00010,119
Securities gains (losses)$-331,00010,080
Applicable income taxes$-89,0009,903
Income before extraordinary items$-1,611,00010,142
Extraordinary gains, net$035
Net income$-1,611,00010,142
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0004,834
Cash dividends$1,200,0001,962
Sale, conversion, retirement of capital stock, net$6,122,000192
Net operating income$-1,296,55010,111
1998-12-31 (YTD Data)Rank
Total interest income$335,00010,298
Total interest expense$116,00010,286
Net interest income$219,00010,281
Provision for loan and lease losses$08,652
Total noninterest income$16,00010,249
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,0008,815
Trading account gains and feesNANA
Additional Noninterest Income$2,00010,319
Total noninterest expense$300,00010,263
Salaries and employee benefits$75,00010,399
Premises and equipment expense$28,00010,205
Additional noninterest expense$197,0009,154
Pre-tax net operating income$-65,0009,889
Securities gains (losses)$04,449
Applicable income taxes$-4,0009,991
Income before extraordinary items$-61,0009,917
Extraordinary gains, net$032
Net income$-61,0009,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-61,0009,877
1997-12-31 (YTD Data)Rank
Total interest income$3,923,0006,726
Total interest expense$1,102,0008,400
Net interest income$2,821,0005,547
Provision for loan and lease losses$8,0008,510
Total noninterest income$221,0007,577
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$169,0005,844
Trading account gains and feesNANA
Additional Noninterest Income$52,0008,342
Total noninterest expense$1,758,0006,162
Salaries and employee benefits$864,0006,466
Premises and equipment expense$326,0005,156
Additional noninterest expense$568,0006,002
Pre-tax net operating income$1,276,0005,025
Securities gains (losses)$03,944
Applicable income taxes$521,0004,091
Income before extraordinary items$755,0005,654
Extraordinary gains, net$044
Net income$755,0005,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0009,836
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$755,0005,611
1996-12-31 (YTD Data)Rank
Total interest income$3,665,0007,204
Total interest expense$1,158,0008,505
Net interest income$2,507,0006,180
Provision for loan and lease losses$108,0004,918
Total noninterest income$208,0008,116
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0006,833
Trading account gains and feesNANA
Additional Noninterest Income$77,0007,844
Total noninterest expense$1,645,0006,724
Salaries and employee benefits$772,0007,131
Premises and equipment expense$311,0005,439
Additional noninterest expense$562,0006,599
Pre-tax net operating income$962,0005,872
Securities gains (losses)$04,148
Applicable income taxes$399,0004,901
Income before extraordinary items$563,0006,488
Extraordinary gains, net$053
Net income$563,0006,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0007,336
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$563,0006,417
1995-12-31 (YTD Data)Rank
Total interest income$3,530,0007,519
Total interest expense$971,0009,356
Net interest income$2,559,0006,209
Provision for loan and lease losses$68,0005,482
Total noninterest income$197,0008,478
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$95,0007,904
Trading account gains and feesNANA
Additional Noninterest Income$102,0007,172
Total noninterest expense$1,716,0006,695
Salaries and employee benefits$729,0007,541
Premises and equipment expense$321,0005,340
Additional noninterest expense$666,0006,084
Pre-tax net operating income$972,0006,115
Securities gains (losses)$03,831
Applicable income taxes$427,0004,722
Income before extraordinary items$545,0006,934
Extraordinary gains, net$065
Net income$545,0006,932
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,392
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$545,0006,908
1994-12-31 (YTD Data)Rank
Total interest income$2,918,0008,190
Total interest expense$731,0009,922
Net interest income$2,187,0007,118
Provision for loan and lease losses$21,0007,711
Total noninterest income$141,0009,885
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$75,0008,839
Trading account gains and feesNANA
Additional Noninterest Income$66,0008,828
Total noninterest expense$1,617,0007,244
Salaries and employee benefits$701,0007,875
Premises and equipment expense$308,0005,604
Additional noninterest expense$608,0006,982
Pre-tax net operating income$690,0007,456
Securities gains (losses)$03,600
Applicable income taxes$285,0006,056
Income before extraordinary items$405,0008,157
Extraordinary gains, net$0249
Net income$405,0008,160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0004,075
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$405,0008,202
1993-12-31 (YTD Data)Rank
Total interest income$2,386,0009,415
Total interest expense$730,00010,409
Net interest income$1,656,0008,621
Provision for loan and lease losses$13,0009,510
Total noninterest income$115,00010,961
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$70,0009,341
Trading account gains and feesNANA
Additional Noninterest Income$45,00010,391
Total noninterest expense$1,399,0008,194
Salaries and employee benefits$581,0008,970
Premises and equipment expense$242,0006,848
Additional noninterest expense$576,0007,555
Pre-tax net operating income$359,0009,737
Securities gains (losses)$07,477
Applicable income taxes$139,0008,881
Income before extraordinary items$220,00010,418
Extraordinary gains, net$03,149
Net income$220,00010,520
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0009,293
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$220,00010,178
1992-12-31 (YTD Data)Rank
Total interest income$2,263,00010,349
Total interest expense$888,00010,919
Net interest income$1,375,0009,719
Provision for loan and lease losses$16,00010,806
Total noninterest income$111,00011,429
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$68,0009,624
Trading account gains and feesNANA
Additional Noninterest Income$43,00010,841
Total noninterest expense$1,291,0008,692
Salaries and employee benefits$529,0009,493
Premises and equipment expense$224,0007,300
Additional noninterest expense$538,0008,106
Pre-tax net operating income$179,00011,265
Securities gains (losses)$08,369
Applicable income taxes$55,00011,116
Income before extraordinary items$124,00011,632
Extraordinary gains, net$01,422
Net income$124,00011,712
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,00010,608
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$124,00011,312

* 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.