Home > Channel Islands Bank > Income and Expense
Channel Islands Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,437,000 | 4,184 |
| Total interest expense | $2,052,000 | 6,101 |
| Net interest income | $5,385,000 | 3,190 |
| Provision for loan and lease losses | $58,000 | 6,364 |
| Total noninterest income | $959,000 | 3,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $610,000 | 2,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $349,000 | 3,709 |
| Total noninterest expense | $5,019,000 | 2,603 |
| Salaries and employee benefits | $2,678,000 | 2,521 |
| Premises and equipment expense | $851,000 | 2,290 |
| Additional noninterest expense | $1,490,000 | 2,800 |
| Pre-tax net operating income | $1,267,000 | 4,713 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $522,000 | 3,731 |
| Income before extraordinary items | $747,000 | 5,405 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $747,000 | 5,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,772 |
| Cash dividends | $109,000 | 6,182 |
| Sale, conversion, retirement of capital stock, net | $951,000 | 476 |
| Net operating income | $745,720 | 5,309 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 4,646 |
| Total interest expense | $1,879,000 | 6,510 |
| Net interest income | $4,851,000 | 3,592 |
| Provision for loan and lease losses | $370,000 | 2,214 |
| Total noninterest income | $1,245,000 | 2,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $495,000 | 2,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $750,000 | 2,116 |
| Total noninterest expense | $4,350,000 | 2,921 |
| Salaries and employee benefits | $2,345,000 | 2,820 |
| Premises and equipment expense | $698,000 | 2,740 |
| Additional noninterest expense | $1,307,000 | 3,101 |
| Pre-tax net operating income | $1,376,000 | 4,774 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $576,000 | 3,799 |
| Income before extraordinary items | $800,000 | 5,465 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $800,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,759 |
| Cash dividends | $94,000 | 6,625 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 650 |
| Net operating income | $800,000 | 5,412 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,180,000 | 5,067 |
| Total interest expense | $1,853,000 | 6,729 |
| Net interest income | $4,327,000 | 4,014 |
| Provision for loan and lease losses | $696,000 | 1,335 |
| Total noninterest income | $855,000 | 3,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,469 |
| Total noninterest expense | $3,925,000 | 3,407 |
| Salaries and employee benefits | $2,153,000 | 3,100 |
| Premises and equipment expense | $625,000 | 3,078 |
| Additional noninterest expense | $1,147,000 | 3,925 |
| Pre-tax net operating income | $561,000 | 7,621 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $235,000 | 6,641 |
| Income before extraordinary items | $326,000 | 8,204 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $326,000 | 8,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 1,106 |
| Cash dividends | $91,000 | 6,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $326,000 | 8,142 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 5,904 |
| Total interest expense | $1,333,000 | 8,179 |
| Net interest income | $3,761,000 | 4,555 |
| Provision for loan and lease losses | $-59,000 | 11,623 |
| Total noninterest income | $741,000 | 3,912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $474,000 | 2,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,300 |
| Total noninterest expense | $3,548,000 | 3,698 |
| Salaries and employee benefits | $1,851,000 | 3,558 |
| Premises and equipment expense | $643,000 | 3,031 |
| Additional noninterest expense | $1,054,000 | 4,177 |
| Pre-tax net operating income | $1,013,000 | 5,940 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $433,000 | 4,664 |
| Income before extraordinary items | $600,000 | 6,613 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $600,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,583 |
| Cash dividends | $92,000 | 6,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $587,200 | 6,675 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 6,105 |
| Total interest expense | $1,050,000 | 8,479 |
| Net interest income | $3,491,000 | 4,953 |
| Provision for loan and lease losses | $-125,000 | 12,224 |
| Total noninterest income | $713,000 | 4,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,703 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $349,000 | 3,726 |
| Total noninterest expense | $3,626,000 | 3,733 |
| Salaries and employee benefits | $1,953,000 | 3,361 |
| Premises and equipment expense | $655,000 | 3,005 |
| Additional noninterest expense | $1,018,000 | 4,651 |
| Pre-tax net operating income | $703,000 | 7,369 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $295,000 | 5,938 |
| Income before extraordinary items | $408,000 | 8,130 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $408,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $408,000 | 8,173 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,224,000 | 6,605 |
| Total interest expense | $1,123,000 | 8,589 |
| Net interest income | $3,101,000 | 5,511 |
| Provision for loan and lease losses | $1,322,000 | 1,088 |
| Total noninterest income | $1,168,000 | 2,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $780,000 | 2,426 |
| Total noninterest expense | $3,837,000 | 3,618 |
| Salaries and employee benefits | $2,005,000 | 3,279 |
| Premises and equipment expense | $671,000 | 2,998 |
| Additional noninterest expense | $1,161,000 | 4,315 |
| Pre-tax net operating income | $-890,000 | 12,953 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-302,000 | 13,085 |
| Income before extraordinary items | $-588,000 | 12,917 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-588,000 | 12,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,044,000 | 1,118 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-588,000 | 12,867 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,399,000 | 5,987 |
| Total interest expense | $1,662,000 | 8,008 |
| Net interest income | $3,737,000 | 4,744 |
| Provision for loan and lease losses | $682,000 | 2,416 |
| Total noninterest income | $659,000 | 4,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $315,000 | 4,301 |
| Total noninterest expense | $3,661,000 | 3,782 |
| Salaries and employee benefits | $1,748,000 | 3,657 |
| Premises and equipment expense | $670,000 | 3,039 |
| Additional noninterest expense | $1,243,000 | 4,214 |
| Pre-tax net operating income | $53,000 | 12,397 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $22,000 | 12,047 |
| Income before extraordinary items | $31,000 | 12,703 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $31,000 | 12,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 4,924 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $31,000 | 12,459 |
* 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.