Home > Napa National Bank > Income and Expense
Napa National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,421,000 | 3,101 |
| Total interest expense | $3,290,000 | 4,272 |
| Net interest income | $7,131,000 | 2,477 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,211,000 | 2,675 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $607,000 | 2,198 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $604,000 | 2,615 |
| Total noninterest expense | $5,828,000 | 2,337 |
| Salaries and employee benefits | $3,358,000 | 2,089 |
| Premises and equipment expense | $806,000 | 2,519 |
| Additional noninterest expense | $1,664,000 | 2,591 |
| Pre-tax net operating income | $2,514,000 | 2,784 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $899,000 | 2,396 |
| Income before extraordinary items | $1,615,000 | 3,066 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,615,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 10,033 |
| Cash dividends | $739,000 | 2,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,615,000 | 3,029 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,537,000 | 3,066 |
| Total interest expense | $3,461,000 | 4,179 |
| Net interest income | $7,076,000 | 2,402 |
| Provision for loan and lease losses | $265,000 | 2,894 |
| Total noninterest income | $1,422,000 | 2,358 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $555,000 | 2,325 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $867,000 | 2,053 |
| Total noninterest expense | $5,824,000 | 2,248 |
| Salaries and employee benefits | $3,269,000 | 2,069 |
| Premises and equipment expense | $856,000 | 2,277 |
| Additional noninterest expense | $1,699,000 | 2,450 |
| Pre-tax net operating income | $2,409,000 | 2,874 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $933,000 | 2,431 |
| Income before extraordinary items | $1,476,000 | 3,305 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,476,000 | 3,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,803 |
| Cash dividends | $327,000 | 4,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,476,000 | 3,222 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,802,000 | 3,292 |
| Total interest expense | $3,075,000 | 4,610 |
| Net interest income | $6,727,000 | 2,584 |
| Provision for loan and lease losses | $556,000 | 1,639 |
| Total noninterest income | $960,000 | 3,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,051 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $532,000 | 2,700 |
| Total noninterest expense | $5,912,000 | 2,173 |
| Salaries and employee benefits | $3,279,000 | 2,005 |
| Premises and equipment expense | $937,000 | 2,099 |
| Additional noninterest expense | $1,696,000 | 2,431 |
| Pre-tax net operating income | $1,219,000 | 5,194 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $501,000 | 4,207 |
| Income before extraordinary items | $718,000 | 5,831 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $718,000 | 5,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,611 |
| Cash dividends | $40,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $718,000 | 5,780 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,173,000 | 3,550 |
| Total interest expense | $2,818,000 | 5,047 |
| Net interest income | $6,355,000 | 2,780 |
| Provision for loan and lease losses | $550,000 | 1,620 |
| Total noninterest income | $806,000 | 3,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 4,098 |
| Total noninterest expense | $5,091,000 | 2,683 |
| Salaries and employee benefits | $2,722,000 | 2,447 |
| Premises and equipment expense | $888,000 | 2,239 |
| Additional noninterest expense | $1,481,000 | 3,156 |
| Pre-tax net operating income | $1,520,000 | 4,295 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $614,000 | 3,516 |
| Income before extraordinary items | $906,000 | 4,852 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $906,000 | 4,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,496 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $906,000 | 4,791 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,432,000 | 3,835 |
| Total interest expense | $2,641,000 | 5,320 |
| Net interest income | $5,791,000 | 3,069 |
| Provision for loan and lease losses | $323,000 | 2,172 |
| Total noninterest income | $789,000 | 3,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $469,000 | 2,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $320,000 | 3,857 |
| Total noninterest expense | $4,362,000 | 3,076 |
| Salaries and employee benefits | $2,215,000 | 3,007 |
| Premises and equipment expense | $782,000 | 2,535 |
| Additional noninterest expense | $1,365,000 | 3,345 |
| Pre-tax net operating income | $1,895,000 | 3,666 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $765,000 | 2,994 |
| Income before extraordinary items | $1,130,000 | 4,154 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,130,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,213 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,130,000 | 4,136 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,173,000 | 4,746 |
| Total interest expense | $1,664,000 | 6,431 |
| Net interest income | $4,509,000 | 3,913 |
| Provision for loan and lease losses | $149,000 | 3,649 |
| Total noninterest income | $681,000 | 4,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,104 |
| Total noninterest expense | $3,715,000 | 3,651 |
| Salaries and employee benefits | $1,964,000 | 3,343 |
| Premises and equipment expense | $618,000 | 3,179 |
| Additional noninterest expense | $1,133,000 | 4,261 |
| Pre-tax net operating income | $1,326,000 | 4,868 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $553,000 | 3,752 |
| Income before extraordinary items | $773,000 | 5,488 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $773,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $773,000 | 5,566 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,759,000 | 6,029 |
| Total interest expense | $1,558,000 | 7,025 |
| Net interest income | $3,201,000 | 5,348 |
| Provision for loan and lease losses | $198,000 | 3,956 |
| Total noninterest income | $662,000 | 4,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $397,000 | 3,771 |
| Total noninterest expense | $3,425,000 | 3,990 |
| Salaries and employee benefits | $1,720,000 | 3,777 |
| Premises and equipment expense | $580,000 | 3,431 |
| Additional noninterest expense | $1,125,000 | 4,446 |
| Pre-tax net operating income | $240,000 | 10,699 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-251,000 | 13,065 |
| Income before extraordinary items | $491,000 | 7,628 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $491,000 | 7,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 7,153 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $491,000 | 7,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,889,000 | 6,501 |
| Total interest expense | $2,048,000 | 7,007 |
| Net interest income | $2,841,000 | 5,985 |
| Provision for loan and lease losses | $207,000 | 5,126 |
| Total noninterest income | $412,000 | 6,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 6,025 |
| Total noninterest expense | $3,015,000 | 4,514 |
| Salaries and employee benefits | $1,435,000 | 4,395 |
| Premises and equipment expense | $483,000 | 4,096 |
| Additional noninterest expense | $1,097,000 | 4,695 |
| Pre-tax net operating income | $31,000 | 12,528 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $17,000 | 12,189 |
| Income before extraordinary items | $14,000 | 12,809 |
| Extraordinary gains, net | $13,000 | 1,300 |
| Net income | $27,000 | 12,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 4,874 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $14,000 | 12,580 |
* 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.