Home > Capital Bank of North County > Income and Expense
Capital Bank of North County, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,910,000 | 3,676 |
| Total interest expense | $2,493,000 | 5,413 |
| Net interest income | $6,417,000 | 2,766 |
| Provision for loan and lease losses | $95,000 | 5,715 |
| Total noninterest income | $1,617,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $955,000 | 1,552 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $662,000 | 2,659 |
| Total noninterest expense | $5,388,000 | 2,624 |
| Salaries and employee benefits | $3,091,000 | 2,435 |
| Premises and equipment expense | $932,000 | 2,290 |
| Additional noninterest expense | $1,365,000 | 3,129 |
| Pre-tax net operating income | $2,551,000 | 2,623 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $919,000 | 2,210 |
| Income before extraordinary items | $1,632,000 | 3,030 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,632,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $247,000 | 4,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,632,000 | 2,930 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,849,000 | 3,775 |
| Total interest expense | $2,375,000 | 5,744 |
| Net interest income | $6,474,000 | 2,747 |
| Provision for loan and lease losses | $125,000 | 4,758 |
| Total noninterest income | $1,394,000 | 2,480 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $892,000 | 1,537 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $502,000 | 2,939 |
| Total noninterest expense | $5,549,000 | 2,460 |
| Salaries and employee benefits | $3,247,000 | 2,200 |
| Premises and equipment expense | $924,000 | 2,227 |
| Additional noninterest expense | $1,378,000 | 3,031 |
| Pre-tax net operating income | $2,194,000 | 3,091 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $865,000 | 2,380 |
| Income before extraordinary items | $1,329,000 | 3,578 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,329,000 | 3,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,421 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,329,000 | 3,559 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,162,000 | 4,318 |
| Total interest expense | $1,576,000 | 6,779 |
| Net interest income | $5,586,000 | 3,102 |
| Provision for loan and lease losses | $118,000 | 4,907 |
| Total noninterest income | $1,858,000 | 1,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $906,000 | 1,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $952,000 | 1,940 |
| Total noninterest expense | $5,647,000 | 2,399 |
| Salaries and employee benefits | $3,299,000 | 2,129 |
| Premises and equipment expense | $846,000 | 2,380 |
| Additional noninterest expense | $1,502,000 | 2,860 |
| Pre-tax net operating income | $1,679,000 | 3,798 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $628,000 | 3,125 |
| Income before extraordinary items | $1,051,000 | 4,268 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,051,000 | 4,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,551 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,051,000 | 4,231 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,185,000 | 4,886 |
| Total interest expense | $1,458,000 | 7,291 |
| Net interest income | $4,727,000 | 3,587 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $1,451,000 | 2,326 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $908,000 | 1,386 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $543,000 | 2,831 |
| Total noninterest expense | $4,621,000 | 2,805 |
| Salaries and employee benefits | $2,713,000 | 2,489 |
| Premises and equipment expense | $692,000 | 2,790 |
| Additional noninterest expense | $1,216,000 | 3,329 |
| Pre-tax net operating income | $1,457,000 | 4,268 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $578,000 | 3,501 |
| Income before extraordinary items | $879,000 | 4,904 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $879,000 | 4,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,508 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $879,000 | 4,812 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,411,000 | 5,476 |
| Total interest expense | $1,308,000 | 7,827 |
| Net interest income | $4,103,000 | 4,154 |
| Provision for loan and lease losses | $55,000 | 6,469 |
| Total noninterest income | $1,191,000 | 2,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $861,000 | 1,503 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,719 |
| Total noninterest expense | $4,098,000 | 3,105 |
| Salaries and employee benefits | $2,298,000 | 2,881 |
| Premises and equipment expense | $695,000 | 2,758 |
| Additional noninterest expense | $1,105,000 | 3,583 |
| Pre-tax net operating income | $1,141,000 | 5,406 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $415,000 | 4,767 |
| Income before extraordinary items | $726,000 | 5,785 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $726,000 | 5,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $726,000 | 5,739 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,929,000 | 6,004 |
| Total interest expense | $1,180,000 | 8,438 |
| Net interest income | $3,749,000 | 4,554 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $1,251,000 | 2,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $770,000 | 1,742 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $481,000 | 3,005 |
| Total noninterest expense | $3,955,000 | 3,386 |
| Salaries and employee benefits | $2,162,000 | 3,088 |
| Premises and equipment expense | $737,000 | 2,651 |
| Additional noninterest expense | $1,056,000 | 4,211 |
| Pre-tax net operating income | $965,000 | 5,861 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $395,000 | 4,933 |
| Income before extraordinary items | $570,000 | 6,459 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $570,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,508 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $570,000 | 6,380 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,652,000 | 6,289 |
| Total interest expense | $1,180,000 | 8,653 |
| Net interest income | $3,472,000 | 4,906 |
| Provision for loan and lease losses | $308,000 | 2,237 |
| Total noninterest income | $931,000 | 3,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $702,000 | 1,932 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $229,000 | 4,737 |
| Total noninterest expense | $3,659,000 | 3,585 |
| Salaries and employee benefits | $1,893,000 | 3,485 |
| Premises and equipment expense | $696,000 | 2,822 |
| Additional noninterest expense | $1,070,000 | 4,126 |
| Pre-tax net operating income | $436,000 | 8,835 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $37,000 | 10,445 |
| Income before extraordinary items | $397,000 | 8,108 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $397,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,241 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $398,820 | 8,059 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,397,000 | 7,487 |
| Total interest expense | $726,000 | 9,953 |
| Net interest income | $2,671,000 | 6,145 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $1,132,000 | 2,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $593,000 | 2,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $539,000 | 2,812 |
| Total noninterest expense | $3,246,000 | 4,122 |
| Salaries and employee benefits | $1,616,000 | 3,995 |
| Premises and equipment expense | $566,000 | 3,443 |
| Additional noninterest expense | $1,064,000 | 4,473 |
| Pre-tax net operating income | $357,000 | 9,679 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $357,000 | 8,579 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $357,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,604 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $357,000 | 8,629 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,974,000 | 8,379 |
| Total interest expense | $619,000 | 11,031 |
| Net interest income | $2,355,000 | 6,817 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $1,107,000 | 3,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $596,000 | 2,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $511,000 | 3,227 |
| Total noninterest expense | $2,932,000 | 4,611 |
| Salaries and employee benefits | $1,483,000 | 4,318 |
| Premises and equipment expense | $467,000 | 4,108 |
| Additional noninterest expense | $982,000 | 4,995 |
| Pre-tax net operating income | $350,000 | 9,805 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $350,000 | 8,932 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $350,000 | 9,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,680 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $350,000 | 8,672 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 8,937 |
| Total interest expense | $738,000 | 11,638 |
| Net interest income | $2,282,000 | 7,049 |
| Provision for loan and lease losses | $153,000 | 6,027 |
| Total noninterest income | $920,000 | 3,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $500,000 | 2,781 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $420,000 | 3,587 |
| Total noninterest expense | $2,679,000 | 4,989 |
| Salaries and employee benefits | $1,305,000 | 4,805 |
| Premises and equipment expense | $470,000 | 4,197 |
| Additional noninterest expense | $904,000 | 5,504 |
| Pre-tax net operating income | $370,000 | 9,503 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $126,000 | 9,216 |
| Income before extraordinary items | $244,000 | 9,998 |
| Extraordinary gains, net | $86,000 | 800 |
| Net income | $330,000 | 9,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 6,285 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $244,000 | 9,631 |
* 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.