Home > Encino State Bank > Income and Expense
Encino State Bank, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,581,000 | 3,593 |
| Total interest expense | $947,000 | 4,939 |
| Net interest income | $4,634,000 | 3,209 |
| Provision for loan and lease losses | $80,000 | 4,713 |
| Total noninterest income | $467,000 | 4,722 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $401,000 | 3,007 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $6,006,000 | 1,996 |
| Salaries and employee benefits | $3,181,000 | 2,056 |
| Premises and equipment expense | $674,000 | 2,513 |
| Additional noninterest expense | $2,151,000 | 1,682 |
| Pre-tax net operating income | $-985,000 | 8,897 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $420,000 | 3,219 |
| Income before extraordinary items | $-1,405,000 | 8,958 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,405,000 | 8,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 410 |
| Net operating income | $-1,405,000 | 8,944 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,663,000 | 3,642 |
| Total interest expense | $623,000 | 5,000 |
| Net interest income | $3,040,000 | 3,245 |
| Provision for loan and lease losses | $57,000 | 4,557 |
| Total noninterest income | $312,000 | 4,730 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $266,000 | 2,986 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $2,465,000 | 3,151 |
| Salaries and employee benefits | $1,381,000 | 3,063 |
| Premises and equipment expense | $442,000 | 2,549 |
| Additional noninterest expense | $642,000 | 3,535 |
| Pre-tax net operating income | $830,000 | 4,011 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $349,000 | 2,808 |
| Income before extraordinary items | $481,000 | 4,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 311 |
| Net operating income | $481,000 | 4,743 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,807,000 | 3,695 |
| Total interest expense | $300,000 | 5,164 |
| Net interest income | $1,507,000 | 3,244 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $155,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $129,000 | 2,993 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $1,246,000 | 3,105 |
| Salaries and employee benefits | $705,000 | 3,018 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $322,000 | 3,534 |
| Pre-tax net operating income | $406,000 | 4,042 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $170,000 | 2,851 |
| Income before extraordinary items | $236,000 | 4,904 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $236,000 | 4,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $269,000 | 190 |
| Net operating income | $236,000 | 4,775 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,317,000 | 3,684 |
| Total interest expense | $1,327,000 | 5,268 |
| Net interest income | $5,990,000 | 3,193 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $604,000 | 4,949 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $521,000 | 2,989 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $4,831,000 | 3,137 |
| Salaries and employee benefits | $2,708,000 | 3,043 |
| Premises and equipment expense | $803,000 | 2,752 |
| Additional noninterest expense | $1,320,000 | 3,449 |
| Pre-tax net operating income | $1,673,000 | 3,824 |
| Securities gains (losses) | $-288,000 | 9,105 |
| Applicable income taxes | $581,000 | 3,126 |
| Income before extraordinary items | $804,000 | 5,231 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $804,000 | 5,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $372,000 | 527 |
| Net operating income | $988,320 | 4,508 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 3,693 |
| Total interest expense | $1,021,000 | 5,316 |
| Net interest income | $4,521,000 | 3,179 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $454,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $391,000 | 3,000 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 6,866 |
| Total noninterest expense | $3,611,000 | 3,150 |
| Salaries and employee benefits | $2,004,000 | 3,087 |
| Premises and equipment expense | $604,000 | 2,754 |
| Additional noninterest expense | $1,003,000 | 3,388 |
| Pre-tax net operating income | $1,274,000 | 3,908 |
| Securities gains (losses) | $-288,000 | 9,176 |
| Applicable income taxes | $413,000 | 3,357 |
| Income before extraordinary items | $573,000 | 5,519 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $573,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 626 |
| Net operating income | $757,320 | 4,573 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 3,727 |
| Total interest expense | $692,000 | 5,382 |
| Net interest income | $3,000,000 | 3,192 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $308,000 | 4,923 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $265,000 | 2,933 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $2,438,000 | 3,115 |
| Salaries and employee benefits | $1,360,000 | 3,039 |
| Premises and equipment expense | $398,000 | 2,784 |
| Additional noninterest expense | $680,000 | 3,319 |
| Pre-tax net operating income | $795,000 | 4,079 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $326,000 | 3,081 |
| Income before extraordinary items | $469,000 | 4,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $469,000 | 4,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 505 |
| Net operating income | $469,000 | 4,757 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,790,000 | 3,838 |
| Total interest expense | $344,000 | 5,493 |
| Net interest income | $1,446,000 | 3,280 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $153,000 | 4,843 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 2,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $1,210,000 | 3,118 |
| Salaries and employee benefits | $679,000 | 3,026 |
| Premises and equipment expense | $195,000 | 2,816 |
| Additional noninterest expense | $336,000 | 3,308 |
| Pre-tax net operating income | $359,000 | 4,326 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $147,000 | 3,258 |
| Income before extraordinary items | $212,000 | 5,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 332 |
| Net operating income | $212,000 | 4,976 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,298 |
| Total interest expense | $1,473,000 | 5,781 |
| Net interest income | $5,036,000 | 3,654 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $520,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $344,000 | 3,919 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $176,000 | 5,270 |
| Total noninterest expense | $3,943,000 | 3,600 |
| Salaries and employee benefits | $2,254,000 | 3,390 |
| Premises and equipment expense | $649,000 | 3,188 |
| Additional noninterest expense | $1,040,000 | 4,047 |
| Pre-tax net operating income | $1,503,000 | 4,115 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $631,000 | 3,034 |
| Income before extraordinary items | $872,000 | 4,965 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $872,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,483 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 687 |
| Net operating income | $872,000 | 4,832 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,702,000 | 4,152 |
| Total interest expense | $2,500,000 | 5,403 |
| Net interest income | $5,202,000 | 3,331 |
| Provision for loan and lease losses | $146,000 | 4,852 |
| Total noninterest income | $382,000 | 5,806 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $225,000 | 4,881 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $157,000 | 5,454 |
| Total noninterest expense | $3,879,000 | 3,525 |
| Salaries and employee benefits | $2,309,000 | 3,179 |
| Premises and equipment expense | $574,000 | 3,498 |
| Additional noninterest expense | $996,000 | 4,075 |
| Pre-tax net operating income | $1,559,000 | 3,753 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $609,000 | 2,945 |
| Income before extraordinary items | $950,000 | 4,424 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $950,000 | 4,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $74,000 | 5,972 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 747 |
| Net operating income | $950,000 | 4,298 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,491,000 | 4,338 |
| Total interest expense | $2,727,000 | 5,273 |
| Net interest income | $4,764,000 | 3,623 |
| Provision for loan and lease losses | $101,000 | 5,260 |
| Total noninterest income | $260,000 | 6,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 5,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 5,927 |
| Total noninterest expense | $3,501,000 | 3,700 |
| Salaries and employee benefits | $2,165,000 | 3,238 |
| Premises and equipment expense | $531,000 | 3,615 |
| Additional noninterest expense | $805,000 | 4,722 |
| Pre-tax net operating income | $1,422,000 | 4,222 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $226,000 | 5,172 |
| Income before extraordinary items | $1,196,000 | 3,873 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,196,000 | 3,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 749 |
| Net operating income | $1,196,000 | 3,855 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,836,000 | 5,680 |
| Total interest expense | $1,956,000 | 6,079 |
| Net interest income | $2,880,000 | 5,320 |
| Provision for loan and lease losses | $143,000 | 4,386 |
| Total noninterest income | $132,000 | 8,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,173 |
| Total noninterest expense | $2,594,000 | 4,744 |
| Salaries and employee benefits | $1,505,000 | 4,330 |
| Premises and equipment expense | $477,000 | 3,928 |
| Additional noninterest expense | $612,000 | 5,754 |
| Pre-tax net operating income | $275,000 | 8,233 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $275,000 | 7,761 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $275,000 | 7,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $807,000 | 547 |
| Net operating income | $275,000 | 7,737 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 8,299 |
| Total interest expense | $1,068,000 | 8,231 |
| Net interest income | $1,244,000 | 8,229 |
| Provision for loan and lease losses | $202,000 | 3,487 |
| Total noninterest income | $28,000 | 10,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,778 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,880 |
| Total noninterest expense | $1,922,000 | 5,743 |
| Salaries and employee benefits | $961,000 | 5,938 |
| Premises and equipment expense | $353,000 | 4,853 |
| Additional noninterest expense | $608,000 | 5,706 |
| Pre-tax net operating income | $-852,000 | 10,312 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $-853,000 | 10,341 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-853,000 | 10,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,369,000 | 432 |
| Net operating income | $-853,000 | 10,320 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $284,000 | 10,804 |
| Total interest expense | $107,000 | 10,774 |
| Net interest income | $177,000 | 10,799 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $3,000 | 10,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $564,000 | 9,883 |
| Salaries and employee benefits | $270,000 | 10,147 |
| Premises and equipment expense | $67,000 | 9,785 |
| Additional noninterest expense | $227,000 | 9,099 |
| Pre-tax net operating income | $-414,000 | 10,707 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-414,000 | 10,728 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-414,000 | 10,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,163,000 | 192 |
| Net operating income | $-414,000 | 10,709 |
* 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.