Home > Pacific Bay Bank > Income and Expense
Pacific Bay Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,072,000 | 7,672 |
| Total interest expense | $1,675,000 | 6,940 |
| Net interest income | $1,397,000 | 8,246 |
| Provision for loan and lease losses | $673,000 | 1,366 |
| Total noninterest income | $949,000 | 3,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $747,000 | 2,123 |
| Total noninterest expense | $2,105,000 | 5,452 |
| Salaries and employee benefits | $960,000 | 6,005 |
| Premises and equipment expense | $326,000 | 5,156 |
| Additional noninterest expense | $819,000 | 4,639 |
| Pre-tax net operating income | $-432,000 | 10,716 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-158,000 | 10,768 |
| Income before extraordinary items | $-274,000 | 10,656 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-274,000 | 10,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-274,000 | 10,632 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 7,962 |
| Total interest expense | $1,708,000 | 7,060 |
| Net interest income | $1,316,000 | 8,730 |
| Provision for loan and lease losses | $149,000 | 4,122 |
| Total noninterest income | $1,029,000 | 3,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 7,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $931,000 | 1,903 |
| Total noninterest expense | $2,011,000 | 5,929 |
| Salaries and employee benefits | $928,000 | 6,318 |
| Premises and equipment expense | $325,000 | 5,283 |
| Additional noninterest expense | $758,000 | 5,412 |
| Pre-tax net operating income | $185,000 | 9,881 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $76,000 | 9,229 |
| Income before extraordinary items | $109,000 | 10,147 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $109,000 | 10,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,890 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $109,000 | 10,091 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 8,227 |
| Total interest expense | $1,790,000 | 6,926 |
| Net interest income | $1,197,000 | 9,334 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $640,000 | 4,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $566,000 | 2,643 |
| Total noninterest expense | $1,878,000 | 6,284 |
| Salaries and employee benefits | $847,000 | 6,836 |
| Premises and equipment expense | $275,000 | 5,986 |
| Additional noninterest expense | $756,000 | 5,493 |
| Pre-tax net operating income | $-41,000 | 11,553 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-24,000 | 11,571 |
| Income before extraordinary items | $-17,000 | 11,529 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-17,000 | 11,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-17,000 | 11,501 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 8,477 |
| Total interest expense | $1,509,000 | 6,863 |
| Net interest income | $1,232,000 | 9,669 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $555,000 | 4,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $490,000 | 2,989 |
| Total noninterest expense | $1,956,000 | 6,317 |
| Salaries and employee benefits | $911,000 | 6,560 |
| Premises and equipment expense | $294,000 | 5,808 |
| Additional noninterest expense | $751,000 | 5,988 |
| Pre-tax net operating income | $-269,000 | 12,295 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-101,000 | 12,301 |
| Income before extraordinary items | $-168,000 | 12,202 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-168,000 | 12,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-168,000 | 12,232 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,931,000 | 8,450 |
| Total interest expense | $1,272,000 | 7,995 |
| Net interest income | $1,659,000 | 8,616 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $1,245,000 | 2,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,139,000 | 1,868 |
| Total noninterest expense | $2,399,000 | 5,447 |
| Salaries and employee benefits | $1,246,000 | 5,070 |
| Premises and equipment expense | $345,000 | 5,294 |
| Additional noninterest expense | $808,000 | 5,880 |
| Pre-tax net operating income | $405,000 | 9,372 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $167,000 | 8,276 |
| Income before extraordinary items | $238,000 | 10,176 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $238,000 | 10,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 7,435 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $238,000 | 9,933 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,278,000 | 10,325 |
| Total interest expense | $891,000 | 10,908 |
| Net interest income | $1,387,000 | 9,667 |
| Provision for loan and lease losses | $31,000 | 9,924 |
| Total noninterest income | $1,371,000 | 2,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,244,000 | 1,732 |
| Total noninterest expense | $2,482,000 | 5,343 |
| Salaries and employee benefits | $1,433,000 | 4,401 |
| Premises and equipment expense | $298,000 | 6,009 |
| Additional noninterest expense | $751,000 | 6,415 |
| Pre-tax net operating income | $245,000 | 10,650 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $101,000 | 9,893 |
| Income before extraordinary items | $144,000 | 11,361 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $144,000 | 11,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $144,000 | 11,021 |
* 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.