Home > Pacific Business Bank > Income and Expense
Pacific Business Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,905,000 | 3,332 |
| Total interest expense | $2,314,000 | 4,351 |
| Net interest income | $6,591,000 | 2,895 |
| Provision for loan and lease losses | $918,000 | 1,451 |
| Total noninterest income | $697,000 | 4,348 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $597,000 | 2,580 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 6,442 |
| Total noninterest expense | $6,550,000 | 2,284 |
| Salaries and employee benefits | $3,205,000 | 2,470 |
| Premises and equipment expense | $1,434,000 | 1,546 |
| Additional noninterest expense | $1,911,000 | 2,415 |
| Pre-tax net operating income | $-180,000 | 8,823 |
| Securities gains (losses) | $97,000 | 1,784 |
| Applicable income taxes | $-41,000 | 8,975 |
| Income before extraordinary items | $-42,000 | 8,785 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-42,000 | 8,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $558,000 | 1,531 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-104,080 | 8,781 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,643,000 | 2,697 |
| Total interest expense | $4,946,000 | 3,177 |
| Net interest income | $7,697,000 | 2,328 |
| Provision for loan and lease losses | $2,159,000 | 663 |
| Total noninterest income | $1,643,000 | 2,339 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $851,000 | 1,784 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $792,000 | 2,404 |
| Total noninterest expense | $7,241,000 | 1,983 |
| Salaries and employee benefits | $3,374,000 | 2,225 |
| Premises and equipment expense | $1,487,000 | 1,447 |
| Additional noninterest expense | $2,380,000 | 1,896 |
| Pre-tax net operating income | $-60,000 | 8,825 |
| Securities gains (losses) | $327,000 | 848 |
| Applicable income taxes | $107,000 | 5,931 |
| Income before extraordinary items | $160,000 | 7,968 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $160,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,409,000 | 500 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-49,280 | 8,824 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,123,000 | 2,179 |
| Total interest expense | $6,362,000 | 2,619 |
| Net interest income | $9,761,000 | 1,800 |
| Provision for loan and lease losses | $1,468,000 | 781 |
| Total noninterest income | $1,795,000 | 2,034 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $868,000 | 1,581 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $927,000 | 1,950 |
| Total noninterest expense | $8,443,000 | 1,650 |
| Salaries and employee benefits | $3,755,000 | 1,915 |
| Premises and equipment expense | $1,506,000 | 1,367 |
| Additional noninterest expense | $3,176,000 | 1,411 |
| Pre-tax net operating income | $1,635,000 | 3,825 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $664,000 | 2,905 |
| Income before extraordinary items | $971,000 | 4,469 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $971,000 | 4,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,510,000 | 563 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $971,000 | 4,468 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,465,000 | 2,430 |
| Total interest expense | $4,724,000 | 3,084 |
| Net interest income | $8,741,000 | 2,012 |
| Provision for loan and lease losses | $677,000 | 1,357 |
| Total noninterest income | $1,514,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,099,000 | 1,208 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $415,000 | 3,326 |
| Total noninterest expense | $9,537,000 | 1,450 |
| Salaries and employee benefits | $3,927,000 | 1,762 |
| Premises and equipment expense | $1,876,000 | 1,078 |
| Additional noninterest expense | $3,734,000 | 1,233 |
| Pre-tax net operating income | $41,000 | 9,267 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $17,000 | 8,284 |
| Income before extraordinary items | $24,000 | 9,353 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $24,000 | 9,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,561 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $24,000 | 9,321 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,104,000 | 2,905 |
| Total interest expense | $3,570,000 | 4,049 |
| Net interest income | $7,534,000 | 2,266 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $1,633,000 | 2,134 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,207,000 | 1,030 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $426,000 | 3,297 |
| Total noninterest expense | $7,205,000 | 1,802 |
| Salaries and employee benefits | $3,544,000 | 1,877 |
| Premises and equipment expense | $1,327,000 | 1,480 |
| Additional noninterest expense | $2,334,000 | 1,815 |
| Pre-tax net operating income | $1,922,000 | 3,446 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $835,000 | 2,638 |
| Income before extraordinary items | $1,087,000 | 4,225 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,087,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,087,000 | 4,129 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,046,000 | 3,943 |
| Total interest expense | $2,890,000 | 4,871 |
| Net interest income | $5,156,000 | 3,386 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $1,227,000 | 2,582 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $836,000 | 1,559 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $391,000 | 3,325 |
| Total noninterest expense | $4,728,000 | 2,711 |
| Salaries and employee benefits | $2,584,000 | 2,563 |
| Premises and equipment expense | $581,000 | 3,239 |
| Additional noninterest expense | $1,563,000 | 2,625 |
| Pre-tax net operating income | $1,545,000 | 4,383 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $46,000 | 9,317 |
| Income before extraordinary items | $1,499,000 | 3,363 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,499,000 | 3,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,340 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,499,000 | 3,285 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,039,000 | 5,163 |
| Total interest expense | $2,261,000 | 5,916 |
| Net interest income | $3,778,000 | 4,531 |
| Provision for loan and lease losses | $170,000 | 3,812 |
| Total noninterest income | $844,000 | 3,560 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,967 |
| Total noninterest expense | $3,464,000 | 3,807 |
| Salaries and employee benefits | $1,747,000 | 3,770 |
| Premises and equipment expense | $416,000 | 4,397 |
| Additional noninterest expense | $1,301,000 | 3,528 |
| Pre-tax net operating income | $988,000 | 5,779 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $15,000 | 10,291 |
| Income before extraordinary items | $973,000 | 4,606 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $973,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,287 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $973,000 | 4,547 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,474,000 | 7,595 |
| Total interest expense | $1,079,000 | 8,970 |
| Net interest income | $2,395,000 | 6,492 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $512,000 | 5,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,378 |
| Total noninterest expense | $2,719,000 | 4,647 |
| Salaries and employee benefits | $1,073,000 | 5,712 |
| Premises and equipment expense | $201,000 | 7,169 |
| Additional noninterest expense | $1,445,000 | 3,188 |
| Pre-tax net operating income | $152,000 | 10,762 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $128,000 | 10,674 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $128,000 | 10,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,266 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $7,069,000 | 72 |
| Net operating income | $150,770 | 10,432 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 8,116 |
| Total interest expense | $733,000 | 9,910 |
| Net interest income | $2,230,000 | 7,017 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $479,000 | 5,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,389 |
| Total noninterest expense | $2,665,000 | 4,870 |
| Salaries and employee benefits | $899,000 | 6,637 |
| Premises and equipment expense | $264,000 | 6,286 |
| Additional noninterest expense | $1,502,000 | 3,286 |
| Pre-tax net operating income | $44,000 | 11,935 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-8,000 | 12,073 |
| Income before extraordinary items | $52,000 | 11,791 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $52,000 | 11,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,617 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $52,000 | 11,826 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 8,516 |
| Total interest expense | $866,000 | 9,712 |
| Net interest income | $2,022,000 | 7,605 |
| Provision for loan and lease losses | $237,000 | 3,562 |
| Total noninterest income | $461,000 | 5,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $2,630,000 | 5,049 |
| Salaries and employee benefits | $1,186,000 | 5,287 |
| Premises and equipment expense | $319,000 | 5,580 |
| Additional noninterest expense | $1,125,000 | 4,446 |
| Pre-tax net operating income | $-384,000 | 12,806 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-354,000 | 12,848 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-354,000 | 12,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,608 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-385,000 | 12,796 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 7,889 |
| Total interest expense | $1,369,000 | 8,965 |
| Net interest income | $2,341,000 | 6,916 |
| Provision for loan and lease losses | $1,662,000 | 1,310 |
| Total noninterest income | $522,000 | 5,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 3,147 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $2,981,000 | 4,565 |
| Salaries and employee benefits | $1,230,000 | 5,047 |
| Premises and equipment expense | $385,000 | 4,942 |
| Additional noninterest expense | $1,366,000 | 3,882 |
| Pre-tax net operating income | $-1,780,000 | 13,608 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $38,000 | 11,577 |
| Income before extraordinary items | $-1,818,000 | 13,653 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,818,000 | 13,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,366,000 | 1,278 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,818,000 | 13,604 |
* 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.