Home > Novato National Bank > Income and Expense
Novato National Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,056,000 | 4,190 |
| Total interest expense | $2,320,000 | 4,948 |
| Net interest income | $4,736,000 | 3,743 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $4,295,000 | 1,028 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $388,000 | 3,473 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,907,000 | 745 |
| Total noninterest expense | $8,504,000 | 1,720 |
| Salaries and employee benefits | $3,459,000 | 1,932 |
| Premises and equipment expense | $1,570,000 | 1,334 |
| Additional noninterest expense | $3,475,000 | 1,598 |
| Pre-tax net operating income | $387,000 | 9,460 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $151,000 | 8,285 |
| Income before extraordinary items | $236,000 | 9,849 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $236,000 | 9,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,852 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $236,000 | 9,920 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,824,000 | 4,414 |
| Total interest expense | $2,487,000 | 4,829 |
| Net interest income | $4,337,000 | 4,087 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $8,042,000 | 702 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $427,000 | 3,252 |
| Trading account gains and fees | $5,288,000 | 61 |
| Additional Noninterest Income | $2,327,000 | 1,147 |
| Total noninterest expense | $11,652,000 | 1,314 |
| Salaries and employee benefits | $3,759,000 | 1,782 |
| Premises and equipment expense | $1,711,000 | 1,256 |
| Additional noninterest expense | $6,182,000 | 1,070 |
| Pre-tax net operating income | $577,000 | 8,107 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $224,000 | 7,193 |
| Income before extraordinary items | $353,000 | 8,909 |
| Extraordinary gains, net | $72,000 | 1,888 |
| Net income | $425,000 | 8,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,491 |
| Cash dividends | $53,000 | 7,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $353,000 | 8,650 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,827,000 | 4,366 |
| Total interest expense | $3,188,000 | 4,901 |
| Net interest income | $4,639,000 | 3,887 |
| Provision for loan and lease losses | $395,000 | 3,502 |
| Total noninterest income | $5,641,000 | 900 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $385,000 | 3,611 |
| Trading account gains and fees | $2,878,000 | 90 |
| Additional Noninterest Income | $2,378,000 | 1,116 |
| Total noninterest expense | $8,055,000 | 1,880 |
| Salaries and employee benefits | $3,319,000 | 1,981 |
| Premises and equipment expense | $1,064,000 | 1,989 |
| Additional noninterest expense | $3,672,000 | 1,695 |
| Pre-tax net operating income | $1,830,000 | 3,374 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $720,000 | 2,881 |
| Income before extraordinary items | $1,110,000 | 4,094 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,110,000 | 4,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 4,097 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,110,000 | 3,790 |
* 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.