Home > Charter Pacific Bank > Income and Expense
Charter Pacific Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,238,000 | 4,459 |
| Total interest expense | $1,500,000 | 7,164 |
| Net interest income | $5,738,000 | 3,074 |
| Provision for loan and lease losses | $15,000 | 7,764 |
| Total noninterest income | $2,635,000 | 1,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,208,000 | 1,064 |
| Total noninterest expense | $7,585,000 | 1,836 |
| Salaries and employee benefits | $2,860,000 | 2,495 |
| Premises and equipment expense | $970,000 | 2,126 |
| Additional noninterest expense | $3,755,000 | 1,213 |
| Pre-tax net operating income | $773,000 | 5,963 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $296,000 | 4,620 |
| Income before extraordinary items | $477,000 | 6,444 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $477,000 | 6,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 890 |
| Net operating income | $477,000 | 6,458 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,101,000 | 4,888 |
| Total interest expense | $1,318,000 | 7,366 |
| Net interest income | $4,783,000 | 3,592 |
| Provision for loan and lease losses | $-22,000 | 10,013 |
| Total noninterest income | $12,410,000 | 546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $690,000 | 1,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,720,000 | 413 |
| Total noninterest expense | $13,647,000 | 1,024 |
| Salaries and employee benefits | $3,657,000 | 1,911 |
| Premises and equipment expense | $963,000 | 2,121 |
| Additional noninterest expense | $9,027,000 | 651 |
| Pre-tax net operating income | $3,568,000 | 2,046 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,521,000 | 1,581 |
| Income before extraordinary items | $2,047,000 | 2,536 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,047,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,617 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 701 |
| Net operating income | $2,047,000 | 2,497 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,651,000 | 4,585 |
| Total interest expense | $1,409,000 | 7,403 |
| Net interest income | $5,242,000 | 3,248 |
| Provision for loan and lease losses | $450,000 | 1,869 |
| Total noninterest income | $16,593,000 | 420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,131,000 | 336 |
| Total noninterest expense | $17,544,000 | 825 |
| Salaries and employee benefits | $4,094,000 | 1,626 |
| Premises and equipment expense | $1,006,000 | 1,956 |
| Additional noninterest expense | $12,444,000 | 505 |
| Pre-tax net operating income | $3,841,000 | 1,900 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,510,000 | 1,620 |
| Income before extraordinary items | $2,331,000 | 2,232 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,331,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 1,077 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 705 |
| Net operating income | $2,331,000 | 2,163 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,498,000 | 4,781 |
| Total interest expense | $1,393,000 | 7,599 |
| Net interest income | $5,105,000 | 3,424 |
| Provision for loan and lease losses | $764,000 | 1,235 |
| Total noninterest income | $14,627,000 | 434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,212,000 | 331 |
| Total noninterest expense | $18,062,000 | 803 |
| Salaries and employee benefits | $3,369,000 | 1,951 |
| Premises and equipment expense | $1,052,000 | 1,888 |
| Additional noninterest expense | $13,641,000 | 450 |
| Pre-tax net operating income | $906,000 | 6,132 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,000 | 10,009 |
| Income before extraordinary items | $904,000 | 5,037 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $904,000 | 5,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,417 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 626 |
| Net operating income | $904,000 | 4,982 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 5,355 |
| Total interest expense | $1,472,000 | 7,638 |
| Net interest income | $4,259,000 | 4,073 |
| Provision for loan and lease losses | $419,000 | 2,023 |
| Total noninterest income | $8,804,000 | 643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $556,000 | 2,447 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,248,000 | 480 |
| Total noninterest expense | $13,123,000 | 1,125 |
| Salaries and employee benefits | $3,597,000 | 1,837 |
| Premises and equipment expense | $1,203,000 | 1,688 |
| Additional noninterest expense | $8,323,000 | 769 |
| Pre-tax net operating income | $-479,000 | 11,230 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $-498,000 | 11,354 |
| Income before extraordinary items | $24,000 | 10,719 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $24,000 | 10,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $744,000 | 1,067 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 672 |
| Net operating income | $20,800 | 10,684 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,759,000 | 5,383 |
| Total interest expense | $1,643,000 | 7,295 |
| Net interest income | $4,116,000 | 4,212 |
| Provision for loan and lease losses | $225,000 | 2,789 |
| Total noninterest income | $9,125,000 | 638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,740 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,628,000 | 468 |
| Total noninterest expense | $11,611,000 | 1,245 |
| Salaries and employee benefits | $3,502,000 | 1,886 |
| Premises and equipment expense | $1,027,000 | 1,976 |
| Additional noninterest expense | $7,082,000 | 858 |
| Pre-tax net operating income | $1,405,000 | 4,678 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $1,403,000 | 3,453 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,403,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 1,066 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,157,000 | 201 |
| Net operating income | $1,403,000 | 3,424 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 5,810 |
| Total interest expense | $1,357,000 | 7,365 |
| Net interest income | $3,478,000 | 4,968 |
| Provision for loan and lease losses | $905,000 | 994 |
| Total noninterest income | $7,997,000 | 678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $507,000 | 2,704 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,490,000 | 494 |
| Total noninterest expense | $12,122,000 | 1,225 |
| Salaries and employee benefits | $3,251,000 | 2,031 |
| Premises and equipment expense | $1,080,000 | 1,895 |
| Additional noninterest expense | $7,791,000 | 840 |
| Pre-tax net operating income | $-1,552,000 | 12,501 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $-1,554,000 | 12,474 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,554,000 | 12,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,168,000 | 533 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,554,000 | 12,475 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,242,000 | 5,543 |
| Total interest expense | $1,829,000 | 6,270 |
| Net interest income | $3,413,000 | 5,059 |
| Provision for loan and lease losses | $1,114,000 | 1,205 |
| Total noninterest income | $8,105,000 | 699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $466,000 | 2,996 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,639,000 | 513 |
| Total noninterest expense | $12,710,000 | 1,214 |
| Salaries and employee benefits | $3,641,000 | 1,840 |
| Premises and equipment expense | $981,000 | 2,089 |
| Additional noninterest expense | $8,088,000 | 889 |
| Pre-tax net operating income | $-2,306,000 | 13,106 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-99,000 | 12,959 |
| Income before extraordinary items | $-2,207,000 | 13,097 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-2,207,000 | 13,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 1,286 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-2,207,000 | 13,077 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,136,000 | 4,763 |
| Total interest expense | $2,510,000 | 5,976 |
| Net interest income | $4,626,000 | 3,898 |
| Provision for loan and lease losses | $4,463,000 | 635 |
| Total noninterest income | $7,314,000 | 739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,902,000 | 540 |
| Total noninterest expense | $10,845,000 | 1,432 |
| Salaries and employee benefits | $3,966,000 | 1,663 |
| Premises and equipment expense | $886,000 | 2,338 |
| Additional noninterest expense | $5,993,000 | 1,142 |
| Pre-tax net operating income | $-3,368,000 | 13,737 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-1,418,000 | 13,855 |
| Income before extraordinary items | $-1,950,000 | 13,666 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,950,000 | 13,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,183,000 | 912 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,950,000 | 13,617 |
* 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.