Home > Central California Bank > Income and Expense
Central California Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,373,000 | 1,285 |
| Total interest expense | $1,616,000 | 2,186 |
| Net interest income | $5,757,000 | 987 |
| Provision for loan and lease losses | $160,000 | 1,352 |
| Total noninterest income | $1,010,000 | 1,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $611,000 | 685 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $399,000 | 1,584 |
| Total noninterest expense | $2,974,000 | 1,516 |
| Salaries and employee benefits | $1,296,000 | 1,896 |
| Premises and equipment expense | $464,000 | 1,401 |
| Additional noninterest expense | $1,214,000 | 1,106 |
| Pre-tax net operating income | $3,633,000 | 725 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,397,000 | 618 |
| Income before extraordinary items | $2,236,000 | 846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,236,000 | 845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 1,804 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,236,000 | 831 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,285,000 | 1,315 |
| Total interest expense | $4,357,000 | 2,476 |
| Net interest income | $20,928,000 | 1,015 |
| Provision for loan and lease losses | $660,000 | 1,506 |
| Total noninterest income | $3,895,000 | 1,312 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,123,000 | 811 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,772,000 | 1,475 |
| Total noninterest expense | $12,591,000 | 1,369 |
| Salaries and employee benefits | $5,446,000 | 1,720 |
| Premises and equipment expense | $1,831,000 | 1,345 |
| Additional noninterest expense | $5,314,000 | 984 |
| Pre-tax net operating income | $11,572,000 | 851 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $4,374,000 | 715 |
| Income before extraordinary items | $7,204,000 | 1,007 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,204,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,065 |
| Cash dividends | $3,500,000 | 916 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,200,160 | 989 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,248,000 | 1,328 |
| Total interest expense | $3,030,000 | 2,517 |
| Net interest income | $15,218,000 | 1,046 |
| Provision for loan and lease losses | $490,000 | 1,429 |
| Total noninterest income | $2,747,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,517,000 | 859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,230,000 | 1,560 |
| Total noninterest expense | $9,497,000 | 1,353 |
| Salaries and employee benefits | $4,068,000 | 1,698 |
| Premises and equipment expense | $1,400,000 | 1,302 |
| Additional noninterest expense | $4,029,000 | 952 |
| Pre-tax net operating income | $7,978,000 | 926 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $2,999,000 | 780 |
| Income before extraordinary items | $4,985,000 | 1,074 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,985,000 | 1,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,223 |
| Cash dividends | $3,500,000 | 637 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,981,160 | 1,059 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,681,000 | 1,354 |
| Total interest expense | $1,823,000 | 2,607 |
| Net interest income | $9,858,000 | 1,069 |
| Provision for loan and lease losses | $320,000 | 1,432 |
| Total noninterest income | $1,796,000 | 1,384 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $911,000 | 932 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $885,000 | 1,465 |
| Total noninterest expense | $6,296,000 | 1,350 |
| Salaries and employee benefits | $2,684,000 | 1,716 |
| Premises and equipment expense | $930,000 | 1,293 |
| Additional noninterest expense | $2,682,000 | 937 |
| Pre-tax net operating income | $5,038,000 | 944 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $1,883,000 | 796 |
| Income before extraordinary items | $3,156,000 | 1,114 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,156,000 | 1,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,119 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,155,360 | 1,090 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,620,000 | 1,374 |
| Total interest expense | $809,000 | 2,755 |
| Net interest income | $4,811,000 | 1,087 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $848,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $423,000 | 976 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $425,000 | 1,488 |
| Total noninterest expense | $3,236,000 | 1,320 |
| Salaries and employee benefits | $1,373,000 | 1,680 |
| Premises and equipment expense | $471,000 | 1,274 |
| Additional noninterest expense | $1,392,000 | 901 |
| Pre-tax net operating income | $2,273,000 | 1,024 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $841,000 | 869 |
| Income before extraordinary items | $1,433,000 | 1,207 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,433,000 | 1,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,432,360 | 1,180 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,114,000 | 1,428 |
| Total interest expense | $2,736,000 | 2,819 |
| Net interest income | $17,378,000 | 1,162 |
| Provision for loan and lease losses | $635,000 | 1,565 |
| Total noninterest income | $2,945,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,806,000 | 977 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,139,000 | 1,975 |
| Total noninterest expense | $11,213,000 | 1,449 |
| Salaries and employee benefits | $4,808,000 | 1,824 |
| Premises and equipment expense | $1,723,000 | 1,343 |
| Additional noninterest expense | $4,682,000 | 1,065 |
| Pre-tax net operating income | $8,475,000 | 1,031 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $3,187,000 | 860 |
| Income before extraordinary items | $5,293,000 | 1,233 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,293,000 | 1,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,948 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,289,800 | 1,201 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,617,000 | 1,468 |
| Total interest expense | $1,983,000 | 2,861 |
| Net interest income | $12,634,000 | 1,177 |
| Provision for loan and lease losses | $515,000 | 1,419 |
| Total noninterest income | $2,285,000 | 1,592 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,398,000 | 940 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $887,000 | 1,938 |
| Total noninterest expense | $8,282,000 | 1,470 |
| Salaries and employee benefits | $3,527,000 | 1,847 |
| Premises and equipment expense | $1,303,000 | 1,318 |
| Additional noninterest expense | $3,452,000 | 1,068 |
| Pre-tax net operating income | $6,122,000 | 1,081 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $2,253,000 | 918 |
| Income before extraordinary items | $3,874,000 | 1,274 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,874,000 | 1,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,190 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,870,800 | 1,236 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,500,000 | 1,492 |
| Total interest expense | $1,282,000 | 2,933 |
| Net interest income | $8,218,000 | 1,202 |
| Provision for loan and lease losses | $395,000 | 1,252 |
| Total noninterest income | $1,559,000 | 1,547 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $933,000 | 926 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $626,000 | 1,867 |
| Total noninterest expense | $5,521,000 | 1,464 |
| Salaries and employee benefits | $2,371,000 | 1,837 |
| Premises and equipment expense | $844,000 | 1,363 |
| Additional noninterest expense | $2,306,000 | 1,066 |
| Pre-tax net operating income | $3,861,000 | 1,117 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,410,000 | 965 |
| Income before extraordinary items | $2,451,000 | 1,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,451,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,198 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,451,000 | 1,276 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,688,000 | 1,510 |
| Total interest expense | $636,000 | 2,989 |
| Net interest income | $4,052,000 | 1,223 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $743,000 | 1,586 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $472,000 | 882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $271,000 | 2,010 |
| Total noninterest expense | $2,748,000 | 1,489 |
| Salaries and employee benefits | $1,186,000 | 1,852 |
| Premises and equipment expense | $405,000 | 1,454 |
| Additional noninterest expense | $1,157,000 | 1,059 |
| Pre-tax net operating income | $1,822,000 | 1,154 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $660,000 | 1,034 |
| Income before extraordinary items | $1,162,000 | 1,378 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,162,000 | 1,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,162,000 | 1,310 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,191,000 | 1,999 |
| Total interest expense | $2,411,000 | 3,428 |
| Net interest income | $11,780,000 | 1,650 |
| Provision for loan and lease losses | $735,000 | 1,566 |
| Total noninterest income | $2,744,000 | 1,809 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,367,000 | 1,272 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,377,000 | 1,937 |
| Total noninterest expense | $8,143,000 | 1,956 |
| Salaries and employee benefits | $3,426,000 | 2,462 |
| Premises and equipment expense | $1,229,000 | 1,863 |
| Additional noninterest expense | $3,488,000 | 1,401 |
| Pre-tax net operating income | $5,646,000 | 1,463 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,067,000 | 1,256 |
| Income before extraordinary items | $3,579,000 | 1,739 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,579,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,292 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,579,000 | 1,655 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,463,000 | 2,315 |
| Total interest expense | $1,712,000 | 3,704 |
| Net interest income | $7,751,000 | 1,898 |
| Provision for loan and lease losses | $510,000 | 1,636 |
| Total noninterest income | $1,942,000 | 1,956 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $897,000 | 1,462 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,045,000 | 1,989 |
| Total noninterest expense | $5,465,000 | 2,165 |
| Salaries and employee benefits | $2,294,000 | 2,727 |
| Premises and equipment expense | $861,000 | 1,993 |
| Additional noninterest expense | $2,310,000 | 1,590 |
| Pre-tax net operating income | $3,718,000 | 1,692 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,362,000 | 1,443 |
| Income before extraordinary items | $2,356,000 | 2,028 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,356,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,356,000 | 1,924 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,181,000 | 2,797 |
| Total interest expense | $984,000 | 4,293 |
| Net interest income | $4,197,000 | 2,315 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $951,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $410,000 | 2,055 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $541,000 | 2,332 |
| Total noninterest expense | $3,042,000 | 2,560 |
| Salaries and employee benefits | $1,270,000 | 3,232 |
| Premises and equipment expense | $506,000 | 2,235 |
| Additional noninterest expense | $1,266,000 | 1,896 |
| Pre-tax net operating income | $1,806,000 | 2,233 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $654,000 | 1,919 |
| Income before extraordinary items | $1,152,000 | 2,673 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,152,000 | 2,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,152,000 | 2,521 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 2,843 |
| Total interest expense | $489,000 | 4,405 |
| Net interest income | $2,065,000 | 2,352 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $480,000 | 2,357 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $199,000 | 2,027 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $281,000 | 2,204 |
| Total noninterest expense | $1,550,000 | 2,498 |
| Salaries and employee benefits | $660,000 | 3,106 |
| Premises and equipment expense | $249,000 | 2,260 |
| Additional noninterest expense | $641,000 | 1,839 |
| Pre-tax net operating income | $845,000 | 2,364 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $301,000 | 2,048 |
| Income before extraordinary items | $544,000 | 2,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $544,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $544,000 | 2,623 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,031,000 | 4,537 |
| Total interest expense | $1,405,000 | 5,922 |
| Net interest income | $4,626,000 | 3,898 |
| Provision for loan and lease losses | $336,000 | 3,213 |
| Total noninterest income | $945,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $388,000 | 3,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $557,000 | 3,091 |
| Total noninterest expense | $3,658,000 | 3,814 |
| Salaries and employee benefits | $1,622,000 | 4,413 |
| Premises and equipment expense | $560,000 | 3,614 |
| Additional noninterest expense | $1,476,000 | 2,987 |
| Pre-tax net operating income | $1,577,000 | 3,977 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $560,000 | 3,233 |
| Income before extraordinary items | $1,017,000 | 4,544 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,017,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,017,000 | 4,425 |
* 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.