Home > Central Sierra Bank > Income and Expense
Central Sierra Bank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,536,000 | 3,863 |
| Total interest expense | $887,000 | 4,624 |
| Net interest income | $2,649,000 | 3,537 |
| Provision for loan and lease losses | $315,000 | 1,727 |
| Total noninterest income | $626,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $326,000 | 2,488 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $300,000 | 3,294 |
| Total noninterest expense | $3,080,000 | 2,535 |
| Salaries and employee benefits | $1,696,000 | 2,472 |
| Premises and equipment expense | $343,000 | 3,139 |
| Additional noninterest expense | $1,041,000 | 2,280 |
| Pre-tax net operating income | $-120,000 | 8,850 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-48,000 | 9,079 |
| Income before extraordinary items | $-72,000 | 8,894 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-72,000 | 8,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $6,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 452 |
| Net operating income | $-72,000 | 8,800 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,863 |
| Total interest expense | $440,000 | 4,734 |
| Net interest income | $1,337,000 | 3,499 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $311,000 | 3,167 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $162,000 | 2,433 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 3,225 |
| Total noninterest expense | $1,221,000 | 3,090 |
| Salaries and employee benefits | $623,000 | 3,260 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $478,000 | 2,430 |
| Pre-tax net operating income | $417,000 | 3,939 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $169,000 | 3,000 |
| Income before extraordinary items | $248,000 | 4,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $248,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $6,000 | 3,876 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 275 |
| Net operating income | $248,000 | 4,545 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,395,000 | 3,875 |
| Total interest expense | $2,241,000 | 4,461 |
| Net interest income | $5,154,000 | 3,575 |
| Provision for loan and lease losses | $45,000 | 6,823 |
| Total noninterest income | $1,112,000 | 3,239 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $653,000 | 2,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $459,000 | 3,447 |
| Total noninterest expense | $4,624,000 | 3,147 |
| Salaries and employee benefits | $2,403,000 | 3,213 |
| Premises and equipment expense | $452,000 | 4,254 |
| Additional noninterest expense | $1,769,000 | 2,578 |
| Pre-tax net operating income | $1,597,000 | 3,943 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $640,000 | 3,014 |
| Income before extraordinary items | $957,000 | 4,711 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $957,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,859 |
| Cash dividends | $389,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $957,000 | 4,590 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,356,000 | 3,508 |
| Total interest expense | $4,059,000 | 3,753 |
| Net interest income | $5,297,000 | 3,278 |
| Provision for loan and lease losses | $140,000 | 4,923 |
| Total noninterest income | $1,029,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $605,000 | 2,420 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $424,000 | 3,423 |
| Total noninterest expense | $4,614,000 | 3,025 |
| Salaries and employee benefits | $2,372,000 | 3,093 |
| Premises and equipment expense | $462,000 | 4,152 |
| Additional noninterest expense | $1,780,000 | 2,499 |
| Pre-tax net operating income | $1,572,000 | 3,733 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $628,000 | 2,886 |
| Income before extraordinary items | $944,000 | 4,437 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $944,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $520,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $944,000 | 4,317 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,205,000 | 3,665 |
| Total interest expense | $3,473,000 | 4,408 |
| Net interest income | $5,732,000 | 3,077 |
| Provision for loan and lease losses | $160,000 | 4,252 |
| Total noninterest income | $848,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $600,000 | 2,290 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $248,000 | 4,312 |
| Total noninterest expense | $4,267,000 | 3,153 |
| Salaries and employee benefits | $2,216,000 | 3,165 |
| Premises and equipment expense | $462,000 | 4,041 |
| Additional noninterest expense | $1,589,000 | 2,667 |
| Pre-tax net operating income | $2,153,000 | 3,134 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $867,000 | 2,371 |
| Income before extraordinary items | $1,286,000 | 3,668 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,286,000 | 3,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,454 |
| Cash dividends | $779,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,286,000 | 3,660 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,048,000 | 3,882 |
| Total interest expense | $2,838,000 | 4,796 |
| Net interest income | $5,210,000 | 3,333 |
| Provision for loan and lease losses | $190,000 | 3,663 |
| Total noninterest income | $906,000 | 3,335 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $610,000 | 2,184 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $296,000 | 4,048 |
| Total noninterest expense | $4,191,000 | 3,182 |
| Salaries and employee benefits | $2,112,000 | 3,260 |
| Premises and equipment expense | $456,000 | 4,078 |
| Additional noninterest expense | $1,623,000 | 2,657 |
| Pre-tax net operating income | $1,735,000 | 3,716 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $696,000 | 2,912 |
| Income before extraordinary items | $1,039,000 | 4,306 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,039,000 | 4,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $649,000 | 3,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,039,000 | 4,269 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,343,000 | 3,782 |
| Total interest expense | $3,026,000 | 4,691 |
| Net interest income | $5,317,000 | 3,220 |
| Provision for loan and lease losses | $173,000 | 3,879 |
| Total noninterest income | $910,000 | 3,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $580,000 | 2,216 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,812 |
| Total noninterest expense | $4,314,000 | 3,013 |
| Salaries and employee benefits | $2,085,000 | 3,199 |
| Premises and equipment expense | $445,000 | 4,054 |
| Additional noninterest expense | $1,784,000 | 2,339 |
| Pre-tax net operating income | $1,740,000 | 3,738 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $713,000 | 2,985 |
| Income before extraordinary items | $1,027,000 | 4,421 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,027,000 | 4,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 1,905 |
| Cash dividends | $520,000 | 3,424 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 924 |
| Net operating income | $1,027,000 | 4,322 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,099,000 | 3,930 |
| Total interest expense | $2,832,000 | 4,949 |
| Net interest income | $5,267,000 | 3,305 |
| Provision for loan and lease losses | $288,000 | 2,718 |
| Total noninterest income | $797,000 | 3,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $590,000 | 2,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 4,872 |
| Total noninterest expense | $4,017,000 | 3,169 |
| Salaries and employee benefits | $1,976,000 | 3,348 |
| Premises and equipment expense | $566,000 | 3,329 |
| Additional noninterest expense | $1,475,000 | 2,773 |
| Pre-tax net operating income | $1,759,000 | 3,936 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $723,000 | 3,156 |
| Income before extraordinary items | $1,036,000 | 4,579 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,036,000 | 4,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,743 |
| Cash dividends | $507,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 885 |
| Net operating income | $1,036,000 | 4,516 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 4,318 |
| Total interest expense | $2,624,000 | 5,323 |
| Net interest income | $4,818,000 | 3,665 |
| Provision for loan and lease losses | $265,000 | 2,838 |
| Total noninterest income | $733,000 | 3,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $3,696,000 | 3,589 |
| Salaries and employee benefits | $1,875,000 | 3,536 |
| Premises and equipment expense | $626,000 | 3,075 |
| Additional noninterest expense | $1,195,000 | 3,799 |
| Pre-tax net operating income | $1,590,000 | 4,139 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $637,000 | 3,407 |
| Income before extraordinary items | $953,000 | 4,670 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $953,000 | 4,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 11,268 |
| Cash dividends | $480,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 667 |
| Net operating income | $953,000 | 4,621 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,224,000 | 4,433 |
| Total interest expense | $2,649,000 | 5,311 |
| Net interest income | $4,575,000 | 3,845 |
| Provision for loan and lease losses | $102,000 | 4,548 |
| Total noninterest income | $710,000 | 4,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $551,000 | 2,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,815 |
| Total noninterest expense | $3,373,000 | 3,878 |
| Salaries and employee benefits | $1,700,000 | 3,825 |
| Premises and equipment expense | $536,000 | 3,538 |
| Additional noninterest expense | $1,137,000 | 3,924 |
| Pre-tax net operating income | $1,810,000 | 3,826 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $737,000 | 3,095 |
| Income before extraordinary items | $1,073,000 | 4,335 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,073,000 | 4,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 1,740 |
| Cash dividends | $521,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,073,000 | 4,330 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,636,000 | 4,438 |
| Total interest expense | $1,940,000 | 5,740 |
| Net interest income | $4,696,000 | 3,772 |
| Provision for loan and lease losses | $135,000 | 3,817 |
| Total noninterest income | $707,000 | 4,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $560,000 | 2,431 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,264 |
| Total noninterest expense | $3,710,000 | 3,653 |
| Salaries and employee benefits | $1,939,000 | 3,384 |
| Premises and equipment expense | $512,000 | 3,723 |
| Additional noninterest expense | $1,259,000 | 3,885 |
| Pre-tax net operating income | $1,558,000 | 4,270 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $631,000 | 3,355 |
| Income before extraordinary items | $927,000 | 4,787 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $927,000 | 4,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $408,000 | 3,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $927,000 | 4,840 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,532,000 | 4,589 |
| Total interest expense | $2,126,000 | 5,547 |
| Net interest income | $4,406,000 | 4,025 |
| Provision for loan and lease losses | $205,000 | 3,850 |
| Total noninterest income | $760,000 | 4,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $567,000 | 2,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,775 |
| Total noninterest expense | $3,622,000 | 3,799 |
| Salaries and employee benefits | $1,875,000 | 3,481 |
| Premises and equipment expense | $467,000 | 4,108 |
| Additional noninterest expense | $1,280,000 | 3,978 |
| Pre-tax net operating income | $1,339,000 | 4,760 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $535,000 | 3,950 |
| Income before extraordinary items | $812,000 | 5,509 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $812,000 | 5,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,994 |
| Cash dividends | $272,000 | 4,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $806,880 | 5,298 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,167,000 | 4,734 |
| Total interest expense | $2,852,000 | 5,384 |
| Net interest income | $4,315,000 | 4,164 |
| Provision for loan and lease losses | $201,000 | 5,185 |
| Total noninterest income | $692,000 | 4,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $545,000 | 2,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,714 |
| Total noninterest expense | $3,555,000 | 3,879 |
| Salaries and employee benefits | $1,806,000 | 3,544 |
| Premises and equipment expense | $489,000 | 4,048 |
| Additional noninterest expense | $1,260,000 | 4,152 |
| Pre-tax net operating income | $1,251,000 | 4,753 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $498,000 | 4,015 |
| Income before extraordinary items | $776,000 | 5,490 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $776,000 | 5,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $408,000 | 3,250 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 897 |
| Net operating income | $761,280 | 5,228 |
* 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.