Home > North County Bank > Income and Expense
North County Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $27,008,000 | 1,209 |
| Total interest expense | $6,026,000 | 2,446 |
| Net interest income | $20,982,000 | 841 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $6,276,000 | 803 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,848,000 | 367 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,428,000 | 1,011 |
| Total noninterest expense | $18,797,000 | 797 |
| Salaries and employee benefits | $10,923,000 | 654 |
| Premises and equipment expense | $4,170,000 | 545 |
| Additional noninterest expense | $3,704,000 | 1,243 |
| Pre-tax net operating income | $8,191,000 | 975 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,403,000 | 792 |
| Income before extraordinary items | $4,788,000 | 1,145 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,788,000 | 1,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 1,401 |
| Cash dividends | $270,000 | 4,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,788,000 | 1,126 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,694,000 | 1,258 |
| Total interest expense | $6,282,000 | 2,399 |
| Net interest income | $19,412,000 | 884 |
| Provision for loan and lease losses | $1,474,000 | 718 |
| Total noninterest income | $7,067,000 | 746 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $3,941,000 | 339 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,126,000 | 881 |
| Total noninterest expense | $16,743,000 | 853 |
| Salaries and employee benefits | $9,888,000 | 698 |
| Premises and equipment expense | $3,544,000 | 612 |
| Additional noninterest expense | $3,311,000 | 1,328 |
| Pre-tax net operating income | $8,262,000 | 945 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,406,000 | 783 |
| Income before extraordinary items | $4,856,000 | 1,114 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,856,000 | 1,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,150,000 | 685 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,856,000 | 1,074 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,291,000 | 1,471 |
| Total interest expense | $5,725,000 | 2,613 |
| Net interest income | $16,566,000 | 1,060 |
| Provision for loan and lease losses | $1,122,000 | 901 |
| Total noninterest income | $6,788,000 | 749 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,974,000 | 341 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,814,000 | 876 |
| Total noninterest expense | $16,177,000 | 879 |
| Salaries and employee benefits | $9,148,000 | 753 |
| Premises and equipment expense | $3,288,000 | 635 |
| Additional noninterest expense | $3,741,000 | 1,182 |
| Pre-tax net operating income | $6,055,000 | 1,291 |
| Securities gains (losses) | $53,000 | 1,310 |
| Applicable income taxes | $2,419,000 | 1,122 |
| Income before extraordinary items | $3,689,000 | 1,467 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,689,000 | 1,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $983,000 | 815 |
| Cash dividends | $1,510,000 | 1,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,655,080 | 1,441 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,836,000 | 1,696 |
| Total interest expense | $4,767,000 | 3,133 |
| Net interest income | $15,069,000 | 1,193 |
| Provision for loan and lease losses | $1,300,000 | 827 |
| Total noninterest income | $6,947,000 | 750 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $3,828,000 | 393 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,119,000 | 862 |
| Total noninterest expense | $15,237,000 | 996 |
| Salaries and employee benefits | $8,136,000 | 846 |
| Premises and equipment expense | $3,173,000 | 711 |
| Additional noninterest expense | $3,928,000 | 1,374 |
| Pre-tax net operating income | $5,479,000 | 1,301 |
| Securities gains (losses) | $-24,000 | 10,728 |
| Applicable income taxes | $2,353,000 | 1,062 |
| Income before extraordinary items | $3,102,000 | 1,604 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,102,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,087,000 | 854 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,117,360 | 1,565 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,286,000 | 1,766 |
| Total interest expense | $4,818,000 | 3,121 |
| Net interest income | $14,468,000 | 1,246 |
| Provision for loan and lease losses | $3,306,000 | 413 |
| Total noninterest income | $7,371,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $3,075,000 | 481 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,296,000 | 730 |
| Total noninterest expense | $15,284,000 | 995 |
| Salaries and employee benefits | $7,545,000 | 901 |
| Premises and equipment expense | $3,275,000 | 701 |
| Additional noninterest expense | $4,464,000 | 1,226 |
| Pre-tax net operating income | $3,249,000 | 2,279 |
| Securities gains (losses) | $-18,000 | 10,494 |
| Applicable income taxes | $1,077,000 | 2,230 |
| Income before extraordinary items | $2,154,000 | 2,344 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,154,000 | 2,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,129,000 | 441 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,166,060 | 2,306 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,673,000 | 1,739 |
| Total interest expense | $4,177,000 | 2,928 |
| Net interest income | $13,496,000 | 1,338 |
| Provision for loan and lease losses | $3,135,000 | 417 |
| Total noninterest income | $6,439,000 | 782 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,583,000 | 543 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,856,000 | 750 |
| Total noninterest expense | $16,488,000 | 931 |
| Salaries and employee benefits | $7,805,000 | 879 |
| Premises and equipment expense | $3,304,000 | 702 |
| Additional noninterest expense | $5,379,000 | 1,104 |
| Pre-tax net operating income | $312,000 | 10,041 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $208,000 | 7,209 |
| Income before extraordinary items | $104,000 | 11,348 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $104,000 | 11,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,591,000 | 462 |
| Cash dividends | $135,000 | 6,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $104,000 | 11,385 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,860,000 | 1,857 |
| Total interest expense | $4,080,000 | 3,114 |
| Net interest income | $12,780,000 | 1,419 |
| Provision for loan and lease losses | $2,265,000 | 740 |
| Total noninterest income | $5,471,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,144,000 | 642 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,327,000 | 892 |
| Total noninterest expense | $15,232,000 | 1,039 |
| Salaries and employee benefits | $7,027,000 | 962 |
| Premises and equipment expense | $2,976,000 | 782 |
| Additional noninterest expense | $5,229,000 | 1,235 |
| Pre-tax net operating income | $754,000 | 7,073 |
| Securities gains (losses) | $123,000 | 2,217 |
| Applicable income taxes | $207,000 | 7,496 |
| Income before extraordinary items | $670,000 | 6,295 |
| Extraordinary gains, net | $125,000 | 1,386 |
| Net income | $795,000 | 5,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,204,000 | 693 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 400 |
| Net operating income | $576,520 | 6,710 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,194,000 | 2,060 |
| Total interest expense | $5,250,000 | 3,161 |
| Net interest income | $11,944,000 | 1,538 |
| Provision for loan and lease losses | $950,000 | 1,900 |
| Total noninterest income | $4,195,000 | 1,106 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,816,000 | 736 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,379,000 | 1,115 |
| Total noninterest expense | $13,618,000 | 1,159 |
| Salaries and employee benefits | $6,478,000 | 1,040 |
| Premises and equipment expense | $2,922,000 | 817 |
| Additional noninterest expense | $4,218,000 | 1,536 |
| Pre-tax net operating income | $1,571,000 | 3,875 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $461,000 | 4,267 |
| Income before extraordinary items | $1,103,000 | 4,120 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,103,000 | 4,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $809,000 | 1,805 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,107,970 | 3,799 |
* 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.