Home > Cupertino National Bank > Income and Expense

Cupertino National Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$141,527,000	244
Total interest expense	$27,232,000	356
Net interest income	$114,295,000	219
Provision for loan and lease losses	$20,370,000	137
Total noninterest income	$26,691,000	332
Gross Fiduciary activities income	$3,614,000	185
Service charges on deposit accounts	$1,072,000	1,595
Trading account gains and fees	$0	160
Additional Noninterest Income	$22,005,000	281
Total noninterest expense	$80,945,000	258
Salaries and employee benefits	$23,122,000	390
Premises and equipment expense	$4,983,000	476
Additional noninterest expense	$52,840,000	189
Pre-tax net operating income	$39,671,000	292
Securities gains (losses)	$1,669,000	340
Applicable income taxes	$15,459,000	273
Income before extraordinary items	$25,881,000	309
Extraordinary gains, net	$0	54
Net income	$25,881,000	311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,894,000	134
Cash dividends	$5,070,000	618
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$24,812,840	303
2003-09-30 (YTD Data)		Rank
Total interest income	$107,356,000	248
Total interest expense	$21,246,000	359
Net interest income	$86,110,000	222
Provision for loan and lease losses	$14,036,000	149
Total noninterest income	$20,014,000	348
Gross Fiduciary activities income	$2,610,000	194
Service charges on deposit accounts	$820,000	1,580
Trading account gains and fees	$0	153
Additional Noninterest Income	$16,584,000	297
Total noninterest expense	$60,902,000	260
Salaries and employee benefits	$17,868,000	392
Premises and equipment expense	$3,783,000	477
Additional noninterest expense	$39,251,000	188
Pre-tax net operating income	$31,186,000	287
Securities gains (losses)	$1,548,000	332
Applicable income taxes	$12,258,000	273
Income before extraordinary items	$20,476,000	311
Extraordinary gains, net	$0	40
Net income	$20,476,000	312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,705,000	140
Cash dividends	$3,816,000	597
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$19,485,280	298
2003-06-30 (YTD Data)		Rank
Total interest income	$73,049,000	247
Total interest expense	$14,989,000	354
Net interest income	$58,060,000	221
Provision for loan and lease losses	$7,143,000	167
Total noninterest income	$12,033,000	371
Gross Fiduciary activities income	$1,724,000	202
Service charges on deposit accounts	$583,000	1,475
Trading account gains and fees	$0	150
Additional Noninterest Income	$9,726,000	321
Total noninterest expense	$41,182,000	253
Salaries and employee benefits	$12,535,000	370
Premises and equipment expense	$2,408,000	494
Additional noninterest expense	$26,239,000	187
Pre-tax net operating income	$21,768,000	281
Securities gains (losses)	$1,548,000	272
Applicable income taxes	$8,737,000	264
Income before extraordinary items	$14,579,000	303
Extraordinary gains, net	$0	30
Net income	$14,579,000	304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,854,000	157
Cash dividends	$2,566,000	592
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$13,588,280	291
2003-03-31 (YTD Data)		Rank
Total interest income	$36,926,000	250
Total interest expense	$8,204,000	334
Net interest income	$28,722,000	223
Provision for loan and lease losses	$1,668,000	273
Total noninterest income	$6,222,000	364
Gross Fiduciary activities income	$834,000	208
Service charges on deposit accounts	$267,000	1,544
Trading account gains and fees	$0	134
Additional Noninterest Income	$5,121,000	307
Total noninterest expense	$20,449,000	255
Salaries and employee benefits	$6,345,000	366
Premises and equipment expense	$1,198,000	512
Additional noninterest expense	$12,906,000	192
Pre-tax net operating income	$12,827,000	255
Securities gains (losses)	$439,000	387
Applicable income taxes	$4,966,000	247
Income before extraordinary items	$8,300,000	280
Extraordinary gains, net	$0	21
Net income	$8,300,000	280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,986,000	163
Cash dividends	$1,147,000	615
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$8,019,040	267
2002-12-31 (YTD Data)		Rank
Total interest income	$160,444,000	244
Total interest expense	$41,518,000	325
Net interest income	$118,926,000	220
Provision for loan and lease losses	$34,935,000	122
Total noninterest income	$19,042,000	411
Gross Fiduciary activities income	$4,062,000	188
Service charges on deposit accounts	$841,000	1,917
Trading account gains and fees	$0	153
Additional Noninterest Income	$14,139,000	355
Total noninterest expense	$68,407,000	289
Salaries and employee benefits	$24,286,000	353
Premises and equipment expense	$5,791,000	417
Additional noninterest expense	$38,330,000	237
Pre-tax net operating income	$34,626,000	319
Securities gains (losses)	$2,566,000	238
Applicable income taxes	$14,389,000	283
Income before extraordinary items	$22,803,000	335
Extraordinary gains, net	$0	70
Net income	$22,803,000	336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,528,000	112
Cash dividends	$4,630,000	664
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$21,160,760	336
2001-12-31 (YTD Data)		Rank
Total interest income	$162,016,000	277
Total interest expense	$60,026,000	332
Net interest income	$101,990,000	242
Provision for loan and lease losses	$36,196,000	118
Total noninterest income	$12,833,000	514
Gross Fiduciary activities income	$4,280,000	184
Service charges on deposit accounts	$592,000	2,462
Trading account gains and fees	$0	177
Additional Noninterest Income	$7,961,000	475
Total noninterest expense	$51,441,000	354
Salaries and employee benefits	$20,126,000	403
Premises and equipment expense	$5,351,000	439
Additional noninterest expense	$25,964,000	296
Pre-tax net operating income	$27,186,000	341
Securities gains (losses)	$407,000	709
Applicable income taxes	$-1,778,000	9,574
Income before extraordinary items	$29,371,000	253
Extraordinary gains, net	$0	105
Net income	$29,371,000	254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,817,000	158
Cash dividends	$39,974,000	156
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$28,964,000	242
2000-12-31 (YTD Data)		Rank
Total interest income	$113,926,000	379
Total interest expense	$43,256,000	469
Net interest income	$70,670,000	322
Provision for loan and lease losses	$11,828,000	184
Total noninterest income	$22,810,000	344
Gross Fiduciary activities income	$3,766,000	199
Service charges on deposit accounts	$494,000	2,725
Trading account gains and fees	$0	180
Additional Noninterest Income	$18,550,000	304
Total noninterest expense	$31,561,000	512
Salaries and employee benefits	$11,447,000	628
Premises and equipment expense	$3,281,000	650
Additional noninterest expense	$16,833,000	397
Pre-tax net operating income	$50,091,000	234
Securities gains (losses)	$-2,000	7,578
Applicable income taxes	$19,971,000	203
Income before extraordinary items	$30,118,000	253
Extraordinary gains, net	$0	38
Net income	$30,118,000	253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,024,000	245
Cash dividends	$2,586,000	1,096
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$30,119,280	247
1999-12-31 (YTD Data)		Rank
Total interest income	$70,641,000	526
Total interest expense	$28,170,000	585
Net interest income	$42,471,000	473
Provision for loan and lease losses	$5,589,000	280
Total noninterest income	$25,469,000	338
Gross Fiduciary activities income	$3,278,000	248
Service charges on deposit accounts	$690,000	1,930
Trading account gains and fees	$0	173
Additional Noninterest Income	$21,501,000	291
Total noninterest expense	$38,116,000	443
Salaries and employee benefits	$12,467,000	577
Premises and equipment expense	$3,041,000	688
Additional noninterest expense	$22,608,000	332
Pre-tax net operating income	$24,235,000	417
Securities gains (losses)	$19,000	1,429
Applicable income taxes	$6,344,000	511
Income before extraordinary items	$17,910,000	393
Extraordinary gains, net	$-88,000	10,190
Net income	$17,822,000	393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$510,000	1,205
Cash dividends	$1,374,000	1,800
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$17,895,940	387
1998-12-31 (YTD Data)		Rank
Total interest income	$48,698,000	695
Total interest expense	$19,115,000	836
Net interest income	$29,583,000	606
Provision for loan and lease losses	$3,590,000	406
Total noninterest income	$6,546,000	775
Gross Fiduciary activities income	$2,684,000	271
Service charges on deposit accounts	$453,000	2,794
Trading account gains and fees	$0	224
Additional Noninterest Income	$3,409,000	840
Total noninterest expense	$22,792,000	671
Salaries and employee benefits	$7,772,000	851
Premises and equipment expense	$1,835,000	1,048
Additional noninterest expense	$13,185,000	487
Pre-tax net operating income	$9,747,000	801
Securities gains (losses)	$367,000	661
Applicable income taxes	$3,286,000	804
Income before extraordinary items	$6,828,000	804
Extraordinary gains, net	$0	32
Net income	$6,828,000	804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,288,000	623
Cash dividends	$1,398,000	1,766
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$6,578,440	801
1997-12-31 (YTD Data)		Rank
Total interest income	$35,119,000	967
Total interest expense	$12,938,000	1,230
Net interest income	$22,181,000	815
Provision for loan and lease losses	$5,952,000	296
Total noninterest income	$8,079,000	658
Gross Fiduciary activities income	$2,257,000	307
Service charges on deposit accounts	$522,000	2,521
Trading account gains and fees	$0	239
Additional Noninterest Income	$5,300,000	599
Total noninterest expense	$19,328,000	759
Salaries and employee benefits	$7,062,000	940
Premises and equipment expense	$1,964,000	1,008
Additional noninterest expense	$10,302,000	578
Pre-tax net operating income	$4,980,000	1,559
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,949,000	1,360
Income before extraordinary items	$3,031,000	1,752
Extraordinary gains, net	$0	44
Net income	$3,031,000	1,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,039,000	783
Cash dividends	$1,000,000	2,147
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,031,000	1,715
1996-12-31 (YTD Data)		Rank
Total interest income	$25,269,000	1,352
Total interest expense	$8,802,000	1,786
Net interest income	$16,467,000	1,103
Provision for loan and lease losses	$1,944,000	635
Total noninterest income	$3,700,000	1,179
Gross Fiduciary activities income	$1,497,000	408
Service charges on deposit accounts	$379,000	3,495
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,824,000	1,228
Total noninterest expense	$15,572,000	977
Salaries and employee benefits	$8,866,000	787
Premises and equipment expense	$2,177,000	976
Additional noninterest expense	$4,529,000	1,234
Pre-tax net operating income	$2,651,000	2,637
Securities gains (losses)	$0	4,148
Applicable income taxes	$961,000	2,443
Income before extraordinary items	$1,690,000	2,870
Extraordinary gains, net	$0	53
Net income	$1,690,000	2,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-80,000	11,179
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,690,000	2,826
1995-12-31 (YTD Data)		Rank
Total interest income	$20,329,000	1,668
Total interest expense	$7,369,000	2,123
Net interest income	$12,960,000	1,390
Provision for loan and lease losses	$681,000	1,245
Total noninterest income	$2,277,000	1,649
Gross Fiduciary activities income	$717,000	633
Service charges on deposit accounts	$291,000	4,406
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,269,000	1,538
Total noninterest expense	$14,063,000	1,067
Salaries and employee benefits	$7,318,000	934
Premises and equipment expense	$1,710,000	1,220
Additional noninterest expense	$5,035,000	1,116
Pre-tax net operating income	$493,000	8,478
Securities gains (losses)	$0	3,831
Applicable income taxes	$201,000	7,387
Income before extraordinary items	$292,000	9,024
Extraordinary gains, net	$0	65
Net income	$292,000	9,029
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$916,000	931
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$425,000	395
Net operating income	$292,000	8,992
1994-12-31 (YTD Data)		Rank
Total interest income	$15,415,000	2,003
Total interest expense	$4,293,000	2,853
Net interest income	$11,122,000	1,627
Provision for loan and lease losses	$1,620,000	661
Total noninterest income	$3,107,000	1,324
Gross Fiduciary activities income	$603,000	682
Service charges on deposit accounts	$267,000	4,793
Trading account gains and fees	$0	475
Additional Noninterest Income	$2,237,000	1,046
Total noninterest expense	$10,493,000	1,389
Salaries and employee benefits	$6,306,000	1,070
Premises and equipment expense	$1,401,000	1,478
Additional noninterest expense	$2,786,000	1,944
Pre-tax net operating income	$2,116,000	3,273
Securities gains (losses)	$0	3,600
Applicable income taxes	$735,000	2,987
Income before extraordinary items	$1,381,000	3,409
Extraordinary gains, net	$0	249
Net income	$1,381,000	3,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$949,000	898
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,381,000	3,439
1993-12-31 (YTD Data)		Rank
Total interest income	$13,306,000	2,324
Total interest expense	$3,180,000	3,917
Net interest income	$10,126,000	1,777
Provision for loan and lease losses	$1,679,000	913
Total noninterest income	$3,337,000	1,342
Gross Fiduciary activities income	$493,000	771
Service charges on deposit accounts	$252,000	5,087
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,592,000	1,062
Total noninterest expense	$10,357,000	1,475
Salaries and employee benefits	$5,086,000	1,315
Premises and equipment expense	$1,226,000	1,710
Additional noninterest expense	$4,045,000	1,505
Pre-tax net operating income	$1,427,000	4,520
Securities gains (losses)	$0	7,477
Applicable income taxes	$543,000	3,902
Income before extraordinary items	$884,000	5,169
Extraordinary gains, net	$0	3,149
Net income	$884,000	5,313
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,180,000	1,027
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$884,000	4,948
1992-12-31 (YTD Data)		Rank
Total interest income	$12,407,000	2,819
Total interest expense	$3,559,000	4,489
Net interest income	$8,848,000	2,068
Provision for loan and lease losses	$902,000	1,964
Total noninterest income	$1,297,000	2,685
Gross Fiduciary activities income	$461,000	795
Service charges on deposit accounts	$264,000	4,928
Trading account gains and fees	$0	504
Additional Noninterest Income	$572,000	2,925
Total noninterest expense	$6,486,000	2,258
Salaries and employee benefits	$3,592,000	1,848
Premises and equipment expense	$965,000	2,164
Additional noninterest expense	$1,929,000	2,886
Pre-tax net operating income	$2,757,000	2,240
Securities gains (losses)	$61,000	3,800
Applicable income taxes	$1,131,000	1,873
Income before extraordinary items	$1,687,000	2,733
Extraordinary gains, net	$0	1,422
Net income	$1,687,000	2,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$624,000	2,126
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,647,960	2,588

* 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.