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Eldorado Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$79,197,000501
Total interest expense$31,953,000595
Net interest income$47,244,000422
Provision for loan and lease losses$5,519,000300
Total noninterest income$11,929,000521
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$3,020,000443
Trading account gains and fees$0180
Additional Noninterest Income$8,909,000449
Total noninterest expense$37,106,000445
Salaries and employee benefits$15,314,000481
Premises and equipment expense$5,198,000442
Additional noninterest expense$16,594,000404
Pre-tax net operating income$16,548,000518
Securities gains (losses)$01,956
Applicable income taxes$6,516,000457
Income before extraordinary items$10,032,000570
Extraordinary gains, net$038
Net income$10,032,000571
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,340,000263
Cash dividends$3,000,000949
Sale, conversion, retirement of capital stock, net$0969
Net operating income$10,032,000568
1999-12-31 (YTD Data)Rank
Total interest income$77,636,000489
Total interest expense$29,328,000571
Net interest income$48,308,000437
Provision for loan and lease losses$5,150,000296
Total noninterest income$16,253,000461
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,124,000444
Trading account gains and fees$0173
Additional Noninterest Income$13,129,000384
Total noninterest expense$57,702,000325
Salaries and employee benefits$23,572,000336
Premises and equipment expense$7,668,000321
Additional noninterest expense$26,462,000307
Pre-tax net operating income$1,709,0003,756
Securities gains (losses)$589,000311
Applicable income taxes$3,005,000882
Income before extraordinary items$-707,00010,001
Extraordinary gains, net$035
Net income$-707,00010,000
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,951,000310
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-1,083,96010,082
1998-12-31 (YTD Data)Rank
Total interest income$74,487,000510
Total interest expense$27,765,000613
Net interest income$46,722,000422
Provision for loan and lease losses$4,272,000362
Total noninterest income$21,034,000368
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$3,350,000389
Trading account gains and fees$0224
Additional Noninterest Income$17,684,000320
Total noninterest expense$47,222,000372
Salaries and employee benefits$21,292,000353
Premises and equipment expense$7,333,000318
Additional noninterest expense$18,597,000367
Pre-tax net operating income$16,262,000517
Securities gains (losses)$472,000575
Applicable income taxes$7,438,000420
Income before extraordinary items$9,296,000622
Extraordinary gains, net$032
Net income$9,296,000621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,363,000240
Cash dividends$3,800,000818
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$8,993,920614
1997-12-31 (YTD Data)Rank
Total interest income$53,495,000664
Total interest expense$18,706,000877
Net interest income$34,789,000542
Provision for loan and lease losses$1,495,000732
Total noninterest income$12,296,000489
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$2,675,000499
Trading account gains and fees$0239
Additional Noninterest Income$9,621,000421
Total noninterest expense$35,184,000452
Salaries and employee benefits$15,098,000457
Premises and equipment expense$5,959,000368
Additional noninterest expense$14,127,000433
Pre-tax net operating income$10,406,000790
Securities gains (losses)$228,000656
Applicable income taxes$4,773,000625
Income before extraordinary items$5,861,000948
Extraordinary gains, net$044
Net income$5,861,000949
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,331,000655
Cash dividends$1,700,0001,477
Sale, conversion, retirement of capital stock, net$-1,681,00010,888
Net operating income$5,715,080951
1996-12-31 (YTD Data)Rank
Total interest income$29,154,0001,179
Total interest expense$7,527,0002,087
Net interest income$21,627,000860
Provision for loan and lease losses$153,0004,019
Total noninterest income$4,389,0001,036
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$2,248,000607
Trading account gains and fees$0262
Additional Noninterest Income$2,141,0001,098
Total noninterest expense$16,172,000947
Salaries and employee benefits$7,415,000921
Premises and equipment expense$2,820,000775
Additional noninterest expense$5,937,000998
Pre-tax net operating income$9,691,000807
Securities gains (losses)$04,148
Applicable income taxes$3,973,000699
Income before extraordinary items$5,718,000925
Extraordinary gains, net$053
Net income$5,718,000926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,746,000623
Cash dividends$2,500,0001,090
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,718,000906
1995-12-31 (YTD Data)Rank
Total interest income$24,966,0001,371
Total interest expense$5,823,0002,634
Net interest income$19,143,000964
Provision for loan and lease losses$756,0001,157
Total noninterest income$4,083,0001,103
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$2,130,000644
Trading account gains and fees$0522
Additional Noninterest Income$1,953,0001,146
Total noninterest expense$14,500,0001,036
Salaries and employee benefits$6,983,000982
Premises and equipment expense$2,260,000949
Additional noninterest expense$5,257,0001,080
Pre-tax net operating income$7,970,000983
Securities gains (losses)$45,0001,385
Applicable income taxes$3,318,000836
Income before extraordinary items$4,697,0001,130
Extraordinary gains, net$065
Net income$4,697,0001,128
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$872,000958
Cash dividends$1,290,0001,681
Sale, conversion, retirement of capital stock, net$0809
Net operating income$4,668,2001,112
1994-12-31 (YTD Data)Rank
Total interest income$21,027,0001,467
Total interest expense$4,626,0002,643
Net interest income$16,401,0001,124
Provision for loan and lease losses$2,006,000577
Total noninterest income$5,139,000912
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,127,000648
Trading account gains and fees$0475
Additional Noninterest Income$3,012,000870
Total noninterest expense$14,479,0001,046
Salaries and employee benefits$6,294,0001,076
Premises and equipment expense$2,682,000826
Additional noninterest expense$5,503,0001,085
Pre-tax net operating income$5,055,0001,462
Securities gains (losses)$-130,00011,710
Applicable income taxes$1,985,0001,212
Income before extraordinary items$2,940,0001,663
Extraordinary gains, net$0249
Net income$2,940,0001,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,405,000720
Cash dividends$545,0003,011
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$3,023,2001,625
1993-12-31 (YTD Data)Rank
Total interest income$21,572,0001,460
Total interest expense$5,686,0002,277
Net interest income$15,886,0001,147
Provision for loan and lease losses$3,576,000544
Total noninterest income$4,764,0001,023
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,730,000762
Trading account gains and fees$0532
Additional Noninterest Income$3,034,000951
Total noninterest expense$19,937,000843
Salaries and employee benefits$7,707,000886
Premises and equipment expense$2,284,000966
Additional noninterest expense$9,946,000764
Pre-tax net operating income$-2,863,00013,130
Securities gains (losses)$-81,00013,154
Applicable income taxes$-1,151,00013,191
Income before extraordinary items$-1,793,00013,077
Extraordinary gains, net$03,149
Net income$-1,793,00013,078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,367,000657
Cash dividends$320,0004,213
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-1,741,16013,047
1992-12-31 (YTD Data)Rank
Total interest income$26,637,0001,376
Total interest expense$8,450,0002,015
Net interest income$18,187,0001,020
Provision for loan and lease losses$1,735,0001,275
Total noninterest income$5,180,000950
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,910,000701
Trading account gains and fees$0504
Additional Noninterest Income$3,270,000898
Total noninterest expense$16,411,000998
Salaries and employee benefits$7,749,000873
Premises and equipment expense$2,634,000897
Additional noninterest expense$6,028,0001,136
Pre-tax net operating income$5,221,0001,227
Securities gains (losses)$-502,00013,899
Applicable income taxes$1,828,0001,213
Income before extraordinary items$2,891,0001,604
Extraordinary gains, net$-475,00013,819
Net income$2,416,0001,916
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,961,000972
Cash dividends$1,276,0001,256
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$3,212,2801,337

* 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.