Home > Ojai Valley Bank > Income and Expense
Ojai Valley Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 5,308 |
| Total interest expense | $458,000 | 7,496 |
| Net interest income | $2,908,000 | 4,482 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $360,000 | 5,589 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $308,000 | 3,603 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $52,000 | 7,154 |
| Total noninterest expense | $2,236,000 | 4,607 |
| Salaries and employee benefits | $1,170,000 | 4,712 |
| Premises and equipment expense | $278,000 | 4,976 |
| Additional noninterest expense | $788,000 | 4,103 |
| Pre-tax net operating income | $1,032,000 | 4,471 |
| Securities gains (losses) | $28,000 | 2,745 |
| Applicable income taxes | $365,000 | 3,561 |
| Income before extraordinary items | $695,000 | 5,015 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $695,000 | 5,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,291 |
| Cash dividends | $266,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $676,520 | 4,896 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,277,000 | 5,304 |
| Total interest expense | $311,000 | 7,585 |
| Net interest income | $1,966,000 | 4,449 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $243,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $205,000 | 3,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $1,483,000 | 4,634 |
| Salaries and employee benefits | $772,000 | 4,736 |
| Premises and equipment expense | $182,000 | 5,012 |
| Additional noninterest expense | $529,000 | 4,062 |
| Pre-tax net operating income | $726,000 | 4,332 |
| Securities gains (losses) | $28,000 | 2,409 |
| Applicable income taxes | $264,000 | 3,460 |
| Income before extraordinary items | $490,000 | 4,855 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $490,000 | 4,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,747 |
| Cash dividends | $266,000 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $471,800 | 4,744 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 5,236 |
| Total interest expense | $156,000 | 7,677 |
| Net interest income | $1,018,000 | 4,348 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $108,000 | 3,351 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $747,000 | 4,583 |
| Salaries and employee benefits | $384,000 | 4,751 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $272,000 | 3,952 |
| Pre-tax net operating income | $396,000 | 4,057 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $142,000 | 3,323 |
| Income before extraordinary items | $254,000 | 4,678 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $254,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $254,000 | 4,475 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,880,000 | 5,258 |
| Total interest expense | $774,000 | 7,596 |
| Net interest income | $4,106,000 | 4,264 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $600,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $434,000 | 3,337 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,000 | 5,388 |
| Total noninterest expense | $2,982,000 | 4,484 |
| Salaries and employee benefits | $1,619,000 | 4,416 |
| Premises and equipment expense | $372,000 | 4,893 |
| Additional noninterest expense | $991,000 | 4,207 |
| Pre-tax net operating income | $1,724,000 | 3,762 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $628,000 | 3,043 |
| Income before extraordinary items | $1,096,000 | 4,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,096,000 | 4,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,917 |
| Cash dividends | $591,000 | 3,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,096,000 | 4,226 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 5,464 |
| Total interest expense | $1,369,000 | 7,255 |
| Net interest income | $3,864,000 | 4,230 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $552,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $451,000 | 3,089 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $101,000 | 6,420 |
| Total noninterest expense | $2,707,000 | 4,686 |
| Salaries and employee benefits | $1,452,000 | 4,624 |
| Premises and equipment expense | $355,000 | 4,979 |
| Additional noninterest expense | $900,000 | 4,408 |
| Pre-tax net operating income | $1,709,000 | 3,542 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $629,000 | 2,884 |
| Income before extraordinary items | $1,080,000 | 4,072 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,080,000 | 4,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,677 |
| Cash dividends | $547,000 | 3,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,080,000 | 3,947 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,093,000 | 5,668 |
| Total interest expense | $1,326,000 | 7,520 |
| Net interest income | $3,767,000 | 4,381 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $500,000 | 4,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $448,000 | 2,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,733 |
| Total noninterest expense | $2,766,000 | 4,508 |
| Salaries and employee benefits | $1,346,000 | 4,766 |
| Premises and equipment expense | $336,000 | 5,081 |
| Additional noninterest expense | $1,084,000 | 3,737 |
| Pre-tax net operating income | $1,431,000 | 4,196 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $522,000 | 3,395 |
| Income before extraordinary items | $909,000 | 4,649 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $909,000 | 4,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $503,000 | 3,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $909,000 | 4,649 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,696,000 | 5,793 |
| Total interest expense | $1,154,000 | 7,766 |
| Net interest income | $3,542,000 | 4,614 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $473,000 | 5,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 3,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,098 |
| Total noninterest expense | $2,544,000 | 4,818 |
| Salaries and employee benefits | $1,302,000 | 4,866 |
| Premises and equipment expense | $336,000 | 5,113 |
| Additional noninterest expense | $906,000 | 4,360 |
| Pre-tax net operating income | $1,346,000 | 4,417 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $515,000 | 3,573 |
| Income before extraordinary items | $831,000 | 4,981 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $831,000 | 4,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $488,000 | 3,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $831,000 | 4,941 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,696,000 | 5,912 |
| Total interest expense | $1,326,000 | 7,596 |
| Net interest income | $3,370,000 | 4,734 |
| Provision for loan and lease losses | $265,000 | 2,894 |
| Total noninterest income | $510,000 | 4,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 2,882 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,479 |
| Total noninterest expense | $2,410,000 | 4,895 |
| Salaries and employee benefits | $1,242,000 | 4,940 |
| Premises and equipment expense | $313,000 | 5,257 |
| Additional noninterest expense | $855,000 | 4,459 |
| Pre-tax net operating income | $1,205,000 | 4,871 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $442,000 | 4,166 |
| Income before extraordinary items | $769,000 | 5,309 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $769,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,864 |
| Cash dividends | $458,000 | 3,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $765,160 | 5,233 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,557,000 | 6,170 |
| Total interest expense | $1,358,000 | 7,696 |
| Net interest income | $3,199,000 | 5,060 |
| Provision for loan and lease losses | $211,000 | 3,323 |
| Total noninterest income | $538,000 | 4,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $472,000 | 2,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,824 |
| Total noninterest expense | $2,481,000 | 4,806 |
| Salaries and employee benefits | $1,166,000 | 5,224 |
| Premises and equipment expense | $331,000 | 5,100 |
| Additional noninterest expense | $984,000 | 3,966 |
| Pre-tax net operating income | $1,045,000 | 5,701 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $357,000 | 5,238 |
| Income before extraordinary items | $688,000 | 5,955 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $688,000 | 5,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,514 |
| Cash dividends | $369,000 | 4,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $688,000 | 5,911 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,318,000 | 6,560 |
| Total interest expense | $1,183,000 | 8,428 |
| Net interest income | $3,135,000 | 5,277 |
| Provision for loan and lease losses | $105,000 | 4,971 |
| Total noninterest income | $511,000 | 5,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $467,000 | 2,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,167 |
| Total noninterest expense | $2,315,000 | 5,309 |
| Salaries and employee benefits | $1,209,000 | 5,166 |
| Premises and equipment expense | $325,000 | 5,283 |
| Additional noninterest expense | $781,000 | 5,297 |
| Pre-tax net operating income | $1,226,000 | 5,045 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $484,000 | 4,251 |
| Income before extraordinary items | $742,000 | 5,569 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $742,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,083 |
| Cash dividends | $429,000 | 3,730 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $742,000 | 5,519 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,237,000 | 6,761 |
| Total interest expense | $1,099,000 | 8,905 |
| Net interest income | $3,138,000 | 5,303 |
| Provision for loan and lease losses | $280,000 | 2,381 |
| Total noninterest income | $476,000 | 5,361 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $432,000 | 3,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $2,251,000 | 5,454 |
| Salaries and employee benefits | $1,126,000 | 5,493 |
| Premises and equipment expense | $311,000 | 5,475 |
| Additional noninterest expense | $814,000 | 5,179 |
| Pre-tax net operating income | $1,083,000 | 5,659 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $413,000 | 4,836 |
| Income before extraordinary items | $666,000 | 6,198 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $666,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,293 |
| Cash dividends | $369,000 | 4,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $668,560 | 6,165 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,907,000 | 6,822 |
| Total interest expense | $984,000 | 8,763 |
| Net interest income | $2,923,000 | 5,710 |
| Provision for loan and lease losses | $221,000 | 2,846 |
| Total noninterest income | $432,000 | 5,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,968 |
| Total noninterest expense | $2,256,000 | 5,621 |
| Salaries and employee benefits | $1,014,000 | 6,022 |
| Premises and equipment expense | $303,000 | 5,674 |
| Additional noninterest expense | $939,000 | 4,981 |
| Pre-tax net operating income | $878,000 | 6,500 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $329,000 | 5,526 |
| Income before extraordinary items | $549,000 | 6,916 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $549,000 | 6,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,802 |
| Cash dividends | $314,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $549,000 | 6,972 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,887,000 | 7,008 |
| Total interest expense | $1,082,000 | 8,757 |
| Net interest income | $2,805,000 | 5,965 |
| Provision for loan and lease losses | $318,000 | 2,879 |
| Total noninterest income | $448,000 | 6,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,723 |
| Total noninterest expense | $2,484,000 | 5,308 |
| Salaries and employee benefits | $992,000 | 6,181 |
| Premises and equipment expense | $293,000 | 5,976 |
| Additional noninterest expense | $1,199,000 | 4,196 |
| Pre-tax net operating income | $451,000 | 9,019 |
| Securities gains (losses) | $259,000 | 1,432 |
| Applicable income taxes | $266,000 | 6,548 |
| Income before extraordinary items | $444,000 | 8,019 |
| Extraordinary gains, net | $-13,000 | 12,366 |
| Net income | $431,000 | 8,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,828 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $278,240 | 9,448 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,790,000 | 7,792 |
| Total interest expense | $1,293,000 | 9,263 |
| Net interest income | $2,497,000 | 6,608 |
| Provision for loan and lease losses | $184,000 | 5,448 |
| Total noninterest income | $416,000 | 6,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $360,000 | 3,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $2,120,000 | 6,109 |
| Salaries and employee benefits | $979,000 | 6,151 |
| Premises and equipment expense | $273,000 | 6,391 |
| Additional noninterest expense | $868,000 | 5,685 |
| Pre-tax net operating income | $609,000 | 7,644 |
| Securities gains (losses) | $171,000 | 2,245 |
| Applicable income taxes | $296,000 | 5,981 |
| Income before extraordinary items | $484,000 | 7,472 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $484,000 | 7,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 4,456 |
| Cash dividends | $111,000 | 6,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $374,560 | 8,105 |
* 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.