Home > Golden Gate Bank > Income and Expense
Golden Gate Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,744,000 | 1,613 |
| Total interest expense | $4,507,000 | 1,984 |
| Net interest income | $13,237,000 | 1,469 |
| Provision for loan and lease losses | $1,245,000 | 952 |
| Total noninterest income | $1,112,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $322,000 | 4,132 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $790,000 | 2,759 |
| Total noninterest expense | $9,720,000 | 1,651 |
| Salaries and employee benefits | $1,538,000 | 4,771 |
| Premises and equipment expense | $1,851,000 | 1,212 |
| Additional noninterest expense | $6,331,000 | 812 |
| Pre-tax net operating income | $3,384,000 | 2,273 |
| Securities gains (losses) | $799,000 | 559 |
| Applicable income taxes | $1,565,000 | 1,565 |
| Income before extraordinary items | $2,618,000 | 2,283 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,618,000 | 2,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,006,000 | 922 |
| Cash dividends | $1,313,000 | 1,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,106,640 | 2,623 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,261,000 | 1,537 |
| Total interest expense | $3,677,000 | 1,899 |
| Net interest income | $10,584,000 | 1,397 |
| Provision for loan and lease losses | $1,230,000 | 750 |
| Total noninterest income | $821,000 | 3,587 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $236,000 | 4,208 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $585,000 | 2,864 |
| Total noninterest expense | $7,545,000 | 1,602 |
| Salaries and employee benefits | $1,116,000 | 4,862 |
| Premises and equipment expense | $1,385,000 | 1,235 |
| Additional noninterest expense | $5,044,000 | 773 |
| Pre-tax net operating income | $2,630,000 | 2,277 |
| Securities gains (losses) | $735,000 | 545 |
| Applicable income taxes | $1,253,000 | 1,560 |
| Income before extraordinary items | $2,112,000 | 2,212 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,112,000 | 2,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $744,000 | 855 |
| Cash dividends | $989,000 | 1,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,641,600 | 2,624 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,112,000 | 1,455 |
| Total interest expense | $2,636,000 | 1,827 |
| Net interest income | $7,476,000 | 1,310 |
| Provision for loan and lease losses | $1,222,000 | 549 |
| Total noninterest income | $532,000 | 3,615 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $166,000 | 4,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $366,000 | 2,942 |
| Total noninterest expense | $4,877,000 | 1,647 |
| Salaries and employee benefits | $722,000 | 4,958 |
| Premises and equipment expense | $915,000 | 1,246 |
| Additional noninterest expense | $3,240,000 | 802 |
| Pre-tax net operating income | $1,909,000 | 2,125 |
| Securities gains (losses) | $672,000 | 479 |
| Applicable income taxes | $963,000 | 1,415 |
| Income before extraordinary items | $1,618,000 | 1,967 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,618,000 | 1,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 972 |
| Cash dividends | $666,000 | 1,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,187,920 | 2,455 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,575,000 | 1,315 |
| Total interest expense | $1,471,000 | 1,702 |
| Net interest income | $4,104,000 | 1,192 |
| Provision for loan and lease losses | $1,224,000 | 334 |
| Total noninterest income | $270,000 | 3,480 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $85,000 | 3,938 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $185,000 | 2,856 |
| Total noninterest expense | $2,430,000 | 1,651 |
| Salaries and employee benefits | $410,000 | 4,540 |
| Premises and equipment expense | $437,000 | 1,319 |
| Additional noninterest expense | $1,583,000 | 793 |
| Pre-tax net operating income | $720,000 | 2,680 |
| Securities gains (losses) | $299,000 | 514 |
| Applicable income taxes | $384,000 | 1,683 |
| Income before extraordinary items | $635,000 | 2,403 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $635,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,147 |
| Cash dividends | $296,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $443,640 | 3,054 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $25,618,000 | 1,196 |
| Total interest expense | $8,061,000 | 1,393 |
| Net interest income | $17,557,000 | 1,094 |
| Provision for loan and lease losses | $4,090,000 | 442 |
| Total noninterest income | $1,583,000 | 2,533 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $286,000 | 4,334 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,297,000 | 1,840 |
| Total noninterest expense | $8,376,000 | 1,808 |
| Salaries and employee benefits | $1,607,000 | 4,445 |
| Premises and equipment expense | $1,939,000 | 1,133 |
| Additional noninterest expense | $4,830,000 | 1,019 |
| Pre-tax net operating income | $6,674,000 | 1,262 |
| Securities gains (losses) | $659,000 | 551 |
| Applicable income taxes | $2,909,000 | 952 |
| Income before extraordinary items | $4,424,000 | 1,404 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,424,000 | 1,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,213,000 | 318 |
| Cash dividends | $1,202,000 | 1,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,002,240 | 1,484 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,893,000 | 1,322 |
| Total interest expense | $9,420,000 | 1,725 |
| Net interest income | $16,473,000 | 1,082 |
| Provision for loan and lease losses | $4,528,000 | 377 |
| Total noninterest income | $717,000 | 4,128 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $184,000 | 5,335 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $533,000 | 3,017 |
| Total noninterest expense | $7,560,000 | 1,910 |
| Salaries and employee benefits | $1,338,000 | 4,927 |
| Premises and equipment expense | $988,000 | 2,160 |
| Additional noninterest expense | $5,234,000 | 933 |
| Pre-tax net operating income | $5,102,000 | 1,404 |
| Securities gains (losses) | $558,000 | 573 |
| Applicable income taxes | $2,031,000 | 1,161 |
| Income before extraordinary items | $3,629,000 | 1,482 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,629,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,892,000 | 593 |
| Cash dividends | $980,000 | 2,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,271,880 | 1,552 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,451,000 | 1,691 |
| Total interest expense | $7,396,000 | 2,295 |
| Net interest income | $13,055,000 | 1,345 |
| Provision for loan and lease losses | $2,305,000 | 554 |
| Total noninterest income | $435,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $77,000 | 7,055 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $358,000 | 3,585 |
| Total noninterest expense | $6,207,000 | 2,218 |
| Salaries and employee benefits | $1,122,000 | 5,484 |
| Premises and equipment expense | $586,000 | 3,338 |
| Additional noninterest expense | $4,499,000 | 1,049 |
| Pre-tax net operating income | $4,978,000 | 1,486 |
| Securities gains (losses) | $20,000 | 951 |
| Applicable income taxes | $1,972,000 | 1,167 |
| Income before extraordinary items | $3,026,000 | 1,741 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,026,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $827,000 | 858 |
| Cash dividends | $679,000 | 2,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,013,200 | 1,742 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,184,000 | 2,670 |
| Total interest expense | $4,563,000 | 3,185 |
| Net interest income | $7,621,000 | 2,316 |
| Provision for loan and lease losses | $861,000 | 1,109 |
| Total noninterest income | $345,000 | 6,049 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 7,784 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $293,000 | 4,069 |
| Total noninterest expense | $5,166,000 | 2,613 |
| Salaries and employee benefits | $1,151,000 | 5,327 |
| Premises and equipment expense | $605,000 | 3,229 |
| Additional noninterest expense | $3,410,000 | 1,354 |
| Pre-tax net operating income | $1,939,000 | 3,414 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $760,000 | 2,745 |
| Income before extraordinary items | $1,179,000 | 3,927 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,179,000 | 3,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,586 |
| Cash dividends | $369,000 | 4,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,179,000 | 3,899 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,157,000 | 3,484 |
| Total interest expense | $3,530,000 | 4,099 |
| Net interest income | $5,627,000 | 3,057 |
| Provision for loan and lease losses | $367,000 | 2,211 |
| Total noninterest income | $278,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 7,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,708 |
| Total noninterest expense | $4,409,000 | 2,941 |
| Salaries and employee benefits | $1,648,000 | 3,944 |
| Premises and equipment expense | $665,000 | 2,901 |
| Additional noninterest expense | $2,096,000 | 2,036 |
| Pre-tax net operating income | $1,129,000 | 5,067 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $454,000 | 4,107 |
| Income before extraordinary items | $675,000 | 5,712 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $675,000 | 5,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $162,000 | 5,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $675,000 | 5,612 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,482,000 | 4,244 |
| Total interest expense | $2,742,000 | 5,054 |
| Net interest income | $4,740,000 | 3,663 |
| Provision for loan and lease losses | $250,000 | 2,930 |
| Total noninterest income | $293,000 | 6,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $241,000 | 4,467 |
| Total noninterest expense | $3,512,000 | 3,597 |
| Salaries and employee benefits | $1,742,000 | 3,749 |
| Premises and equipment expense | $789,000 | 2,453 |
| Additional noninterest expense | $981,000 | 3,978 |
| Pre-tax net operating income | $1,271,000 | 5,042 |
| Securities gains (losses) | $34,000 | 1,562 |
| Applicable income taxes | $51,000 | 9,239 |
| Income before extraordinary items | $1,254,000 | 3,911 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,254,000 | 3,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $558,000 | 1,239 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,221,360 | 3,919 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,619,000 | 4,798 |
| Total interest expense | $2,580,000 | 5,382 |
| Net interest income | $4,039,000 | 4,281 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $730,000 | 3,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $671,000 | 2,372 |
| Total noninterest expense | $3,621,000 | 3,667 |
| Salaries and employee benefits | $1,960,000 | 3,391 |
| Premises and equipment expense | $630,000 | 3,055 |
| Additional noninterest expense | $1,031,000 | 4,297 |
| Pre-tax net operating income | $998,000 | 5,745 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $1,005,000 | 4,490 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,005,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,846 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $997,000 | 4,471 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,238,000 | 5,032 |
| Total interest expense | $2,255,000 | 5,964 |
| Net interest income | $3,983,000 | 4,330 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $416,000 | 5,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 8,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $349,000 | 3,620 |
| Total noninterest expense | $3,644,000 | 3,604 |
| Salaries and employee benefits | $1,625,000 | 3,990 |
| Premises and equipment expense | $569,000 | 3,359 |
| Additional noninterest expense | $1,450,000 | 3,183 |
| Pre-tax net operating income | $755,000 | 7,033 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $754,000 | 5,689 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $754,000 | 5,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,489 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $754,000 | 5,667 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 8,415 |
| Total interest expense | $820,000 | 9,501 |
| Net interest income | $1,961,000 | 7,661 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $196,000 | 8,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 5,850 |
| Total noninterest expense | $1,787,000 | 6,730 |
| Salaries and employee benefits | $708,000 | 7,811 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $874,000 | 5,311 |
| Pre-tax net operating income | $370,000 | 9,573 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $369,000 | 8,470 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $369,000 | 8,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $-20,000 | 12,471 |
| Net operating income | $369,000 | 8,514 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,121,000 | 5,655 |
| Total interest expense | $2,030,000 | 5,761 |
| Net interest income | $3,091,000 | 5,524 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $162,000 | 9,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,257 |
| Total noninterest expense | $2,785,000 | 4,812 |
| Salaries and employee benefits | $1,087,000 | 5,708 |
| Premises and equipment expense | $467,000 | 4,108 |
| Additional noninterest expense | $1,231,000 | 4,104 |
| Pre-tax net operating income | $258,000 | 10,568 |
| Securities gains (losses) | $-14,000 | 12,848 |
| Applicable income taxes | $-15,000 | 12,805 |
| Income before extraordinary items | $259,000 | 9,939 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $259,000 | 10,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,982 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $273,000 | 9,518 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,633,000 | 5,057 |
| Total interest expense | $3,131,000 | 4,974 |
| Net interest income | $3,502,000 | 5,005 |
| Provision for loan and lease losses | $1,722,000 | 1,280 |
| Total noninterest income | $176,000 | 9,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 6,108 |
| Total noninterest expense | $4,257,000 | 3,313 |
| Salaries and employee benefits | $1,530,000 | 4,156 |
| Premises and equipment expense | $502,000 | 3,957 |
| Additional noninterest expense | $2,225,000 | 2,560 |
| Pre-tax net operating income | $-2,301,000 | 13,668 |
| Securities gains (losses) | $-20,000 | 13,478 |
| Applicable income taxes | $53,000 | 11,175 |
| Income before extraordinary items | $-2,374,000 | 13,714 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,374,000 | 13,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 1,755 |
| Cash dividends | $69,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,354,000 | 13,658 |
* 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.