Home > Modesto Banking Company > Income and Expense
Modesto Banking Company, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,751,000 | 3,700 |
| Total interest expense | $3,293,000 | 4,414 |
| Net interest income | $5,458,000 | 3,240 |
| Provision for loan and lease losses | $1,985,000 | 626 |
| Total noninterest income | $590,000 | 4,618 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $338,000 | 3,867 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $252,000 | 4,511 |
| Total noninterest expense | $3,132,000 | 4,165 |
| Salaries and employee benefits | $1,304,000 | 4,843 |
| Premises and equipment expense | $363,000 | 4,903 |
| Additional noninterest expense | $1,465,000 | 3,184 |
| Pre-tax net operating income | $931,000 | 5,986 |
| Securities gains (losses) | $31,000 | 1,673 |
| Applicable income taxes | $358,000 | 5,249 |
| Income before extraordinary items | $604,000 | 6,249 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $604,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,160,000 | 543 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $584,160 | 6,295 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,185,000 | 2,367 |
| Total interest expense | $5,479,000 | 2,790 |
| Net interest income | $8,706,000 | 2,063 |
| Provision for loan and lease losses | $225,000 | 2,789 |
| Total noninterest income | $1,229,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $551,000 | 2,450 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $678,000 | 2,342 |
| Total noninterest expense | $5,783,000 | 2,352 |
| Salaries and employee benefits | $2,407,000 | 2,771 |
| Premises and equipment expense | $698,000 | 2,812 |
| Additional noninterest expense | $2,678,000 | 1,867 |
| Pre-tax net operating income | $3,927,000 | 1,890 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,208,000 | 2,017 |
| Income before extraordinary items | $2,719,000 | 1,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,719,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,742 |
| Cash dividends | $3,861,000 | 783 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,719,000 | 1,832 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,361,000 | 2,459 |
| Total interest expense | $4,196,000 | 2,911 |
| Net interest income | $8,165,000 | 2,207 |
| Provision for loan and lease losses | $270,000 | 2,445 |
| Total noninterest income | $1,440,000 | 2,373 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $523,000 | 2,600 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $917,000 | 1,949 |
| Total noninterest expense | $6,906,000 | 2,068 |
| Salaries and employee benefits | $3,111,000 | 2,125 |
| Premises and equipment expense | $902,000 | 2,234 |
| Additional noninterest expense | $2,893,000 | 1,868 |
| Pre-tax net operating income | $2,429,000 | 2,903 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $863,000 | 2,596 |
| Income before extraordinary items | $1,555,000 | 3,082 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,555,000 | 3,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,042,000 | 844 |
| Cash dividends | $482,000 | 3,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,562,040 | 3,091 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,159,000 | 2,782 |
| Total interest expense | $4,447,000 | 2,878 |
| Net interest income | $6,712,000 | 2,688 |
| Provision for loan and lease losses | $1,200,000 | 1,154 |
| Total noninterest income | $2,379,000 | 1,741 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $481,000 | 2,908 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,898,000 | 1,300 |
| Total noninterest expense | $6,257,000 | 2,305 |
| Salaries and employee benefits | $3,147,000 | 2,106 |
| Premises and equipment expense | $906,000 | 2,262 |
| Additional noninterest expense | $2,204,000 | 2,515 |
| Pre-tax net operating income | $1,634,000 | 4,012 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $472,000 | 4,388 |
| Income before extraordinary items | $1,162,000 | 4,138 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,162,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,025,000 | 1,123 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,162,000 | 3,933 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,480,000 | 3,066 |
| Total interest expense | $5,272,000 | 3,144 |
| Net interest income | $6,208,000 | 2,934 |
| Provision for loan and lease losses | $600,000 | 2,617 |
| Total noninterest income | $2,549,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $519,000 | 2,666 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,030,000 | 1,227 |
| Total noninterest expense | $7,348,000 | 2,001 |
| Salaries and employee benefits | $3,794,000 | 1,757 |
| Premises and equipment expense | $846,000 | 2,439 |
| Additional noninterest expense | $2,708,000 | 2,175 |
| Pre-tax net operating income | $809,000 | 6,519 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $178,000 | 8,017 |
| Income before extraordinary items | $634,000 | 6,342 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $634,000 | 6,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 2,195 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $631,660 | 6,005 |
* 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.