Home > First National Bank of Central California > Income and Expense
First National Bank of Central California, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $85,641,000 | 442 |
| Total interest expense | $30,202,000 | 570 |
| Net interest income | $55,439,000 | 382 |
| Provision for loan and lease losses | $4,096,000 | 408 |
| Total noninterest income | $12,056,000 | 538 |
| Gross Fiduciary activities income | $549,000 | 566 |
| Service charges on deposit accounts | $3,737,000 | 404 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,770,000 | 479 |
| Total noninterest expense | $38,982,000 | 443 |
| Salaries and employee benefits | $14,136,000 | 559 |
| Premises and equipment expense | $3,734,000 | 589 |
| Additional noninterest expense | $21,112,000 | 341 |
| Pre-tax net operating income | $24,417,000 | 367 |
| Securities gains (losses) | $408,000 | 705 |
| Applicable income taxes | $9,172,000 | 351 |
| Income before extraordinary items | $15,653,000 | 389 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $15,653,000 | 389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,249,000 | 527 |
| Cash dividends | $4,900,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $15,391,880 | 378 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $92,131,000 | 437 |
| Total interest expense | $31,170,000 | 600 |
| Net interest income | $60,961,000 | 352 |
| Provision for loan and lease losses | $5,300,000 | 307 |
| Total noninterest income | $9,558,000 | 606 |
| Gross Fiduciary activities income | $638,000 | 527 |
| Service charges on deposit accounts | $3,288,000 | 410 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,632,000 | 595 |
| Total noninterest expense | $42,766,000 | 396 |
| Salaries and employee benefits | $17,965,000 | 417 |
| Premises and equipment expense | $3,814,000 | 575 |
| Additional noninterest expense | $20,987,000 | 335 |
| Pre-tax net operating income | $22,453,000 | 410 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $9,240,000 | 355 |
| Income before extraordinary items | $13,209,000 | 456 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $13,209,000 | 457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,667,000 | 525 |
| Cash dividends | $17,899,000 | 262 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $13,211,560 | 456 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $64,995,000 | 570 |
| Total interest expense | $19,955,000 | 796 |
| Net interest income | $45,040,000 | 455 |
| Provision for loan and lease losses | $1,950,000 | 578 |
| Total noninterest income | $6,148,000 | 807 |
| Gross Fiduciary activities income | $412,000 | 694 |
| Service charges on deposit accounts | $2,360,000 | 566 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,376,000 | 831 |
| Total noninterest expense | $26,746,000 | 601 |
| Salaries and employee benefits | $9,709,000 | 722 |
| Premises and equipment expense | $2,900,000 | 714 |
| Additional noninterest expense | $14,137,000 | 463 |
| Pre-tax net operating income | $22,492,000 | 437 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $8,980,000 | 395 |
| Income before extraordinary items | $13,512,000 | 489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,512,000 | 489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,524 |
| Cash dividends | $10,181,000 | 385 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $13,512,000 | 483 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $60,800,000 | 588 |
| Total interest expense | $20,593,000 | 789 |
| Net interest income | $40,207,000 | 478 |
| Provision for loan and lease losses | $1,360,000 | 753 |
| Total noninterest income | $3,179,000 | 1,295 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,596,000 | 496 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $583,000 | 2,688 |
| Total noninterest expense | $21,357,000 | 698 |
| Salaries and employee benefits | $5,912,000 | 1,102 |
| Premises and equipment expense | $3,440,000 | 629 |
| Additional noninterest expense | $12,005,000 | 519 |
| Pre-tax net operating income | $20,669,000 | 432 |
| Securities gains (losses) | $-7,000 | 10,141 |
| Applicable income taxes | $8,445,000 | 386 |
| Income before extraordinary items | $12,217,000 | 481 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $12,217,000 | 479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,099 |
| Cash dividends | $6,300,000 | 538 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $12,221,480 | 465 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $36,262,000 | 948 |
| Total interest expense | $12,234,000 | 1,297 |
| Net interest income | $24,028,000 | 755 |
| Provision for loan and lease losses | $705,000 | 1,324 |
| Total noninterest income | $1,748,000 | 1,963 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,279,000 | 985 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $469,000 | 2,954 |
| Total noninterest expense | $11,673,000 | 1,140 |
| Salaries and employee benefits | $3,328,000 | 1,978 |
| Premises and equipment expense | $1,882,000 | 1,053 |
| Additional noninterest expense | $6,463,000 | 804 |
| Pre-tax net operating income | $13,398,000 | 628 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $5,264,000 | 589 |
| Income before extraordinary items | $8,134,000 | 701 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,134,000 | 702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,552 |
| Cash dividends | $3,504,000 | 830 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,134,000 | 684 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $29,133,000 | 1,182 |
| Total interest expense | $9,149,000 | 1,728 |
| Net interest income | $19,984,000 | 933 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $1,886,000 | 1,934 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,230,000 | 1,069 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $656,000 | 2,413 |
| Total noninterest expense | $12,994,000 | 1,133 |
| Salaries and employee benefits | $7,855,000 | 872 |
| Premises and equipment expense | $2,659,000 | 818 |
| Additional noninterest expense | $2,480,000 | 2,025 |
| Pre-tax net operating income | $8,626,000 | 891 |
| Securities gains (losses) | $-46,000 | 11,009 |
| Applicable income taxes | $3,272,000 | 812 |
| Income before extraordinary items | $5,308,000 | 989 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,308,000 | 990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 1,616 |
| Cash dividends | $3,500,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,337,440 | 965 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $25,871,000 | 1,324 |
| Total interest expense | $7,029,000 | 2,219 |
| Net interest income | $18,842,000 | 980 |
| Provision for loan and lease losses | $135,000 | 3,846 |
| Total noninterest income | $1,813,000 | 1,984 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,273,000 | 1,053 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $540,000 | 2,730 |
| Total noninterest expense | $11,942,000 | 1,226 |
| Salaries and employee benefits | $6,847,000 | 1,005 |
| Premises and equipment expense | $2,515,000 | 869 |
| Additional noninterest expense | $2,580,000 | 1,946 |
| Pre-tax net operating income | $8,578,000 | 928 |
| Securities gains (losses) | $-72,000 | 11,356 |
| Applicable income taxes | $3,180,000 | 875 |
| Income before extraordinary items | $5,326,000 | 998 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,326,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,710 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,372,080 | 983 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,184,000 | 1,396 |
| Total interest expense | $5,185,000 | 2,378 |
| Net interest income | $16,999,000 | 1,087 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $1,997,000 | 1,838 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,246,000 | 1,066 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $751,000 | 2,222 |
| Total noninterest expense | $11,625,000 | 1,277 |
| Salaries and employee benefits | $6,292,000 | 1,077 |
| Premises and equipment expense | $2,390,000 | 898 |
| Additional noninterest expense | $2,943,000 | 1,840 |
| Pre-tax net operating income | $7,271,000 | 1,047 |
| Securities gains (losses) | $-17,000 | 10,215 |
| Applicable income taxes | $2,652,000 | 969 |
| Income before extraordinary items | $4,602,000 | 1,103 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,602,000 | 1,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,777 |
| Cash dividends | $2,120,000 | 1,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,612,880 | 1,105 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,202,000 | 1,552 |
| Total interest expense | $5,175,000 | 2,496 |
| Net interest income | $15,027,000 | 1,213 |
| Provision for loan and lease losses | $890,000 | 1,414 |
| Total noninterest income | $2,226,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,281,000 | 1,032 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $945,000 | 2,109 |
| Total noninterest expense | $11,481,000 | 1,343 |
| Salaries and employee benefits | $6,101,000 | 1,110 |
| Premises and equipment expense | $2,425,000 | 915 |
| Additional noninterest expense | $2,955,000 | 1,937 |
| Pre-tax net operating income | $4,882,000 | 1,433 |
| Securities gains (losses) | $120,000 | 2,257 |
| Applicable income taxes | $1,727,000 | 1,374 |
| Income before extraordinary items | $3,275,000 | 1,562 |
| Extraordinary gains, net | $611,000 | 366 |
| Net income | $3,886,000 | 1,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $735,000 | 1,389 |
| Cash dividends | $1,174,000 | 1,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,197,000 | 1,501 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,386,000 | 1,665 |
| Total interest expense | $7,131,000 | 2,363 |
| Net interest income | $14,255,000 | 1,307 |
| Provision for loan and lease losses | $925,000 | 1,930 |
| Total noninterest income | $2,321,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,350,000 | 963 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $971,000 | 2,047 |
| Total noninterest expense | $11,020,000 | 1,408 |
| Salaries and employee benefits | $5,845,000 | 1,146 |
| Premises and equipment expense | $2,335,000 | 980 |
| Additional noninterest expense | $2,840,000 | 2,089 |
| Pre-tax net operating income | $4,631,000 | 1,379 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $1,540,000 | 1,423 |
| Income before extraordinary items | $3,094,000 | 1,501 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,094,000 | 1,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $720,000 | 1,943 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,091,990 | 1,397 |
* 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.