Home > Pacific Liberty Bank > Income and Expense
Pacific Liberty Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,599,000 | 3,073 |
| Total interest expense | $1,584,000 | 4,141 |
| Net interest income | $6,015,000 | 2,667 |
| Provision for loan and lease losses | $258,000 | 2,485 |
| Total noninterest income | $2,261,000 | 1,595 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $333,000 | 3,320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,928,000 | 1,154 |
| Total noninterest expense | $3,583,000 | 3,335 |
| Salaries and employee benefits | $1,861,000 | 3,473 |
| Premises and equipment expense | $349,000 | 4,373 |
| Additional noninterest expense | $1,373,000 | 2,685 |
| Pre-tax net operating income | $4,435,000 | 1,616 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,710,000 | 1,238 |
| Income before extraordinary items | $2,725,000 | 1,922 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,725,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 735 |
| Net operating income | $2,725,000 | 1,884 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,770,000 | 3,169 |
| Total interest expense | $939,000 | 4,320 |
| Net interest income | $3,831,000 | 2,767 |
| Provision for loan and lease losses | $208,000 | 2,103 |
| Total noninterest income | $1,409,000 | 1,678 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $222,000 | 3,268 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,187,000 | 1,191 |
| Total noninterest expense | $2,327,000 | 3,377 |
| Salaries and employee benefits | $1,205,000 | 3,545 |
| Premises and equipment expense | $230,000 | 4,380 |
| Additional noninterest expense | $892,000 | 2,730 |
| Pre-tax net operating income | $2,705,000 | 1,714 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,039,000 | 1,332 |
| Income before extraordinary items | $1,666,000 | 2,030 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,666,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 602 |
| Net operating income | $1,666,000 | 1,996 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 3,261 |
| Total interest expense | $425,000 | 4,486 |
| Net interest income | $1,843,000 | 2,859 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $728,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $110,000 | 3,235 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $618,000 | 1,151 |
| Total noninterest expense | $1,068,000 | 3,652 |
| Salaries and employee benefits | $555,000 | 3,785 |
| Premises and equipment expense | $117,000 | 4,378 |
| Additional noninterest expense | $396,000 | 3,041 |
| Pre-tax net operating income | $1,403,000 | 1,616 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $548,000 | 1,241 |
| Income before extraordinary items | $855,000 | 1,967 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $855,000 | 1,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 475 |
| Net operating income | $855,000 | 1,932 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 3,923 |
| Total interest expense | $1,129,000 | 5,304 |
| Net interest income | $5,601,000 | 3,493 |
| Provision for loan and lease losses | $444,000 | 2,170 |
| Total noninterest income | $1,908,000 | 2,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $521,000 | 3,044 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,387,000 | 1,732 |
| Total noninterest expense | $3,769,000 | 3,924 |
| Salaries and employee benefits | $1,911,000 | 4,146 |
| Premises and equipment expense | $460,000 | 4,343 |
| Additional noninterest expense | $1,398,000 | 3,301 |
| Pre-tax net operating income | $3,296,000 | 2,389 |
| Securities gains (losses) | $33,000 | 2,039 |
| Applicable income taxes | $1,250,000 | 1,850 |
| Income before extraordinary items | $2,079,000 | 2,818 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,079,000 | 2,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,414 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 540 |
| Net operating income | $2,057,880 | 2,777 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,725,000 | 4,096 |
| Total interest expense | $761,000 | 5,586 |
| Net interest income | $3,964,000 | 3,624 |
| Provision for loan and lease losses | $318,000 | 2,157 |
| Total noninterest income | $1,519,000 | 2,189 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $407,000 | 2,969 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,112,000 | 1,644 |
| Total noninterest expense | $2,739,000 | 3,994 |
| Salaries and employee benefits | $1,470,000 | 4,012 |
| Premises and equipment expense | $349,000 | 4,296 |
| Additional noninterest expense | $920,000 | 3,648 |
| Pre-tax net operating income | $2,426,000 | 2,452 |
| Securities gains (losses) | $33,000 | 1,968 |
| Applicable income taxes | $938,000 | 1,880 |
| Income before extraordinary items | $1,521,000 | 2,916 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,521,000 | 2,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,314 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 576 |
| Net operating income | $1,499,880 | 2,875 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 4,366 |
| Total interest expense | $473,000 | 5,807 |
| Net interest income | $2,415,000 | 3,889 |
| Provision for loan and lease losses | $198,000 | 2,237 |
| Total noninterest income | $914,000 | 2,339 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $278,000 | 2,883 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $636,000 | 1,841 |
| Total noninterest expense | $1,777,000 | 4,118 |
| Salaries and employee benefits | $948,000 | 4,141 |
| Premises and equipment expense | $238,000 | 4,228 |
| Additional noninterest expense | $591,000 | 3,793 |
| Pre-tax net operating income | $1,354,000 | 2,807 |
| Securities gains (losses) | $29,000 | 1,812 |
| Applicable income taxes | $522,000 | 2,133 |
| Income before extraordinary items | $861,000 | 3,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $861,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,391 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 470 |
| Net operating income | $842,440 | 3,289 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,362,000 | 4,577 |
| Total interest expense | $230,000 | 5,935 |
| Net interest income | $1,132,000 | 4,089 |
| Provision for loan and lease losses | $59,000 | 3,120 |
| Total noninterest income | $425,000 | 2,432 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $131,000 | 2,956 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $294,000 | 1,913 |
| Total noninterest expense | $819,000 | 4,402 |
| Salaries and employee benefits | $440,000 | 4,424 |
| Premises and equipment expense | $118,000 | 4,296 |
| Additional noninterest expense | $261,000 | 4,169 |
| Pre-tax net operating income | $679,000 | 2,772 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $259,000 | 2,139 |
| Income before extraordinary items | $439,000 | 3,260 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $439,000 | 3,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $426,840 | 3,217 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,510,000 | 5,229 |
| Total interest expense | $1,033,000 | 6,021 |
| Net interest income | $3,477,000 | 4,821 |
| Provision for loan and lease losses | $237,000 | 3,713 |
| Total noninterest income | $1,269,000 | 3,181 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $461,000 | 3,308 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $808,000 | 2,720 |
| Total noninterest expense | $2,949,000 | 4,653 |
| Salaries and employee benefits | $1,426,000 | 5,020 |
| Premises and equipment expense | $477,000 | 4,215 |
| Additional noninterest expense | $1,046,000 | 4,128 |
| Pre-tax net operating income | $1,560,000 | 4,019 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $601,000 | 3,060 |
| Income before extraordinary items | $964,000 | 4,744 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $964,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,940 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $5,726,000 | 175 |
| Net operating income | $960,800 | 4,588 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,315,000 | 5,374 |
| Total interest expense | $811,000 | 6,037 |
| Net interest income | $2,504,000 | 4,962 |
| Provision for loan and lease losses | $167,000 | 3,715 |
| Total noninterest income | $897,000 | 3,379 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $319,000 | 3,527 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $578,000 | 2,883 |
| Total noninterest expense | $2,156,000 | 4,732 |
| Salaries and employee benefits | $1,062,000 | 5,041 |
| Premises and equipment expense | $359,000 | 4,194 |
| Additional noninterest expense | $735,000 | 4,330 |
| Pre-tax net operating income | $1,078,000 | 4,352 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $415,000 | 3,350 |
| Income before extraordinary items | $663,000 | 5,135 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $663,000 | 5,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 523 |
| Net operating income | $663,000 | 4,948 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,218,000 | 5,391 |
| Total interest expense | $587,000 | 5,921 |
| Net interest income | $1,631,000 | 5,039 |
| Provision for loan and lease losses | $122,000 | 3,435 |
| Total noninterest income | $659,000 | 3,134 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $195,000 | 3,684 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $464,000 | 2,555 |
| Total noninterest expense | $1,421,000 | 4,752 |
| Salaries and employee benefits | $712,000 | 5,013 |
| Premises and equipment expense | $239,000 | 4,194 |
| Additional noninterest expense | $470,000 | 4,444 |
| Pre-tax net operating income | $747,000 | 4,250 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $287,000 | 3,323 |
| Income before extraordinary items | $460,000 | 5,022 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $460,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $460,000 | 4,816 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,086,000 | 5,492 |
| Total interest expense | $307,000 | 5,874 |
| Net interest income | $779,000 | 5,195 |
| Provision for loan and lease losses | $53,000 | 3,599 |
| Total noninterest income | $339,000 | 2,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 3,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $250,000 | 2,358 |
| Total noninterest expense | $716,000 | 4,726 |
| Salaries and employee benefits | $354,000 | 5,036 |
| Premises and equipment expense | $117,000 | 4,253 |
| Additional noninterest expense | $245,000 | 4,281 |
| Pre-tax net operating income | $349,000 | 4,396 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $135,000 | 3,410 |
| Income before extraordinary items | $214,000 | 5,147 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 5,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $214,000 | 4,956 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,287,000 | 5,696 |
| Total interest expense | $1,437,000 | 5,863 |
| Net interest income | $2,850,000 | 5,454 |
| Provision for loan and lease losses | $217,000 | 4,198 |
| Total noninterest income | $932,000 | 3,633 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $384,000 | 3,626 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $548,000 | 3,119 |
| Total noninterest expense | $2,541,000 | 5,031 |
| Salaries and employee benefits | $1,269,000 | 5,275 |
| Premises and equipment expense | $429,000 | 4,403 |
| Additional noninterest expense | $843,000 | 4,758 |
| Pre-tax net operating income | $1,024,000 | 5,152 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $396,000 | 3,904 |
| Income before extraordinary items | $628,000 | 5,852 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $628,000 | 5,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $628,000 | 5,716 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,546,000 | 6,742 |
| Total interest expense | $1,472,000 | 7,035 |
| Net interest income | $2,074,000 | 6,324 |
| Provision for loan and lease losses | $184,000 | 4,316 |
| Total noninterest income | $528,000 | 4,920 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $352,000 | 3,736 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $176,000 | 5,207 |
| Total noninterest expense | $1,967,000 | 5,801 |
| Salaries and employee benefits | $984,000 | 6,041 |
| Premises and equipment expense | $376,000 | 4,795 |
| Additional noninterest expense | $607,000 | 5,793 |
| Pre-tax net operating income | $451,000 | 6,749 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $450,000 | 6,307 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $450,000 | 6,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,057 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $450,000 | 6,191 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 7,843 |
| Total interest expense | $852,000 | 8,532 |
| Net interest income | $1,714,000 | 7,091 |
| Provision for loan and lease losses | $178,000 | 4,045 |
| Total noninterest income | $248,000 | 6,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 6,639 |
| Total noninterest expense | $1,376,000 | 7,054 |
| Salaries and employee benefits | $720,000 | 7,101 |
| Premises and equipment expense | $258,000 | 5,931 |
| Additional noninterest expense | $398,000 | 7,161 |
| Pre-tax net operating income | $408,000 | 7,431 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,000 | 8,274 |
| Income before extraordinary items | $406,000 | 6,818 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $406,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $406,000 | 6,823 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $645,000 | 9,885 |
| Total interest expense | $256,000 | 9,861 |
| Net interest income | $389,000 | 9,834 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $25,000 | 9,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $1,254,000 | 7,416 |
| Salaries and employee benefits | $765,000 | 6,920 |
| Premises and equipment expense | $185,000 | 7,053 |
| Additional noninterest expense | $304,000 | 8,085 |
| Pre-tax net operating income | $-942,000 | 10,051 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-942,000 | 10,074 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-942,000 | 10,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,584,000 | 220 |
| Net operating income | $-942,000 | 10,065 |
* 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.