Home > Orange County Bank > Income and Expense
Orange County Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,478,000 | 4,347 |
| Total interest expense | $3,874,000 | 4,074 |
| Net interest income | $3,604,000 | 4,508 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $8,619,000 | 650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,732 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,285,000 | 468 |
| Total noninterest expense | $9,393,000 | 1,481 |
| Salaries and employee benefits | $5,974,000 | 1,183 |
| Premises and equipment expense | $717,000 | 2,825 |
| Additional noninterest expense | $2,702,000 | 1,644 |
| Pre-tax net operating income | $2,830,000 | 2,504 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,276,000 | 1,728 |
| Income before extraordinary items | $1,554,000 | 3,160 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,554,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,718 |
| Cash dividends | $2,250,000 | 1,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,554,000 | 3,162 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,051,000 | 4,366 |
| Total interest expense | $3,469,000 | 4,083 |
| Net interest income | $3,582,000 | 4,570 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $3,901,000 | 1,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,618,000 | 792 |
| Total noninterest expense | $5,610,000 | 2,416 |
| Salaries and employee benefits | $3,438,000 | 2,040 |
| Premises and equipment expense | $519,000 | 3,645 |
| Additional noninterest expense | $1,653,000 | 2,610 |
| Pre-tax net operating income | $1,873,000 | 3,503 |
| Securities gains (losses) | $80,000 | 818 |
| Applicable income taxes | $621,000 | 3,148 |
| Income before extraordinary items | $1,332,000 | 3,567 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,332,000 | 3,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,024 |
| Cash dividends | $992,000 | 2,312 |
| Sale, conversion, retirement of capital stock, net | $12,428,000 | 52 |
| Net operating income | $1,277,600 | 3,646 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,968,000 | 4,413 |
| Total interest expense | $3,463,000 | 4,172 |
| Net interest income | $3,505,000 | 4,589 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $333,000 | 6,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,303 |
| Total noninterest expense | $2,121,000 | 5,362 |
| Salaries and employee benefits | $1,088,000 | 5,455 |
| Premises and equipment expense | $216,000 | 6,493 |
| Additional noninterest expense | $817,000 | 4,611 |
| Pre-tax net operating income | $1,717,000 | 3,777 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $503,000 | 3,816 |
| Income before extraordinary items | $1,213,000 | 3,898 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,213,000 | 3,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,285 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,213,710 | 3,805 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,691,000 | 4,668 |
| Total interest expense | $3,187,000 | 4,465 |
| Net interest income | $3,504,000 | 4,731 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $317,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,653 |
| Total noninterest expense | $2,262,000 | 5,178 |
| Salaries and employee benefits | $1,276,000 | 4,846 |
| Premises and equipment expense | $299,000 | 5,455 |
| Additional noninterest expense | $687,000 | 5,292 |
| Pre-tax net operating income | $1,439,000 | 4,645 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $379,000 | 5,052 |
| Income before extraordinary items | $1,060,000 | 4,486 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,060,000 | 4,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $1,171,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,060,000 | 4,428 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,428,000 | 4,910 |
| Total interest expense | $2,995,000 | 4,792 |
| Net interest income | $3,433,000 | 4,904 |
| Provision for loan and lease losses | $660,000 | 1,386 |
| Total noninterest income | $271,000 | 7,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $2,060,000 | 5,823 |
| Salaries and employee benefits | $1,197,000 | 5,217 |
| Premises and equipment expense | $278,000 | 5,870 |
| Additional noninterest expense | $585,000 | 6,444 |
| Pre-tax net operating income | $984,000 | 5,803 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $230,000 | 6,711 |
| Income before extraordinary items | $754,000 | 5,508 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $754,000 | 5,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,448 |
| Cash dividends | $90,000 | 6,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $754,000 | 5,454 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,802,000 | 5,346 |
| Total interest expense | $2,782,000 | 5,081 |
| Net interest income | $3,020,000 | 5,467 |
| Provision for loan and lease losses | $570,000 | 1,424 |
| Total noninterest income | $292,000 | 7,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,498 |
| Total noninterest expense | $2,311,000 | 5,331 |
| Salaries and employee benefits | $1,240,000 | 5,070 |
| Premises and equipment expense | $293,000 | 5,735 |
| Additional noninterest expense | $778,000 | 5,374 |
| Pre-tax net operating income | $431,000 | 8,863 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $42,000 | 10,333 |
| Income before extraordinary items | $389,000 | 8,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $389,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,637 |
| Cash dividends | $645,000 | 2,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $389,000 | 8,128 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,234,000 | 5,454 |
| Total interest expense | $2,334,000 | 4,926 |
| Net interest income | $2,900,000 | 5,739 |
| Provision for loan and lease losses | $210,000 | 2,926 |
| Total noninterest income | $259,000 | 7,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,569 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,669 |
| Total noninterest expense | $2,177,000 | 5,801 |
| Salaries and employee benefits | $1,118,000 | 5,576 |
| Premises and equipment expense | $354,000 | 5,052 |
| Additional noninterest expense | $705,000 | 6,278 |
| Pre-tax net operating income | $772,000 | 7,025 |
| Securities gains (losses) | $-96,000 | 11,505 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $491,000 | 7,383 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $491,000 | 7,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,758 |
| Cash dividends | $320,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $561,080 | 6,876 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,546,000 | 5,296 |
| Total interest expense | $2,443,000 | 4,928 |
| Net interest income | $3,103,000 | 5,508 |
| Provision for loan and lease losses | $1,451,000 | 1,026 |
| Total noninterest income | $280,000 | 7,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 6,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,749 |
| Total noninterest expense | $2,457,000 | 5,358 |
| Salaries and employee benefits | $1,209,000 | 5,202 |
| Premises and equipment expense | $284,000 | 6,125 |
| Additional noninterest expense | $964,000 | 5,075 |
| Pre-tax net operating income | $-525,000 | 12,869 |
| Securities gains (losses) | $105,000 | 2,440 |
| Applicable income taxes | $-239,000 | 13,057 |
| Income before extraordinary items | $-181,000 | 12,743 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-181,000 | 12,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $859,000 | 1,269 |
| Cash dividends | $127,000 | 6,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-248,200 | 12,716 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,065,000 | 5,431 |
| Total interest expense | $3,005,000 | 5,155 |
| Net interest income | $3,060,000 | 5,626 |
| Provision for loan and lease losses | $320,000 | 3,972 |
| Total noninterest income | $303,000 | 7,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,422 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,335 |
| Total noninterest expense | $2,084,000 | 6,173 |
| Salaries and employee benefits | $1,012,000 | 5,960 |
| Premises and equipment expense | $196,000 | 7,929 |
| Additional noninterest expense | $876,000 | 5,648 |
| Pre-tax net operating income | $959,000 | 5,810 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $701,000 | 5,915 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $701,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 3,346 |
| Cash dividends | $364,000 | 3,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $692,360 | 5,639 |
* 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.