Home > Pacific One Bank > Income and Expense
Pacific One Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,168,000 | 2,920 |
| Total interest expense | $4,207,000 | 3,494 |
| Net interest income | $6,961,000 | 2,493 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $1,545,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $946,000 | 1,356 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $599,000 | 2,476 |
| Total noninterest expense | $7,399,000 | 1,758 |
| Salaries and employee benefits | $2,439,000 | 2,714 |
| Premises and equipment expense | $669,000 | 2,854 |
| Additional noninterest expense | $4,291,000 | 1,081 |
| Pre-tax net operating income | $1,017,000 | 5,777 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $371,000 | 5,120 |
| Income before extraordinary items | $645,000 | 6,138 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $645,000 | 6,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,768 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $645,640 | 6,089 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,410,000 | 7,496 |
| Total interest expense | $1,089,000 | 8,733 |
| Net interest income | $2,321,000 | 6,527 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $367,000 | 6,236 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $243,000 | 4,922 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $1,900,000 | 6,165 |
| Salaries and employee benefits | $825,000 | 6,856 |
| Premises and equipment expense | $252,000 | 6,227 |
| Additional noninterest expense | $823,000 | 5,100 |
| Pre-tax net operating income | $748,000 | 6,715 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $278,000 | 6,083 |
| Income before extraordinary items | $470,000 | 7,108 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $470,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $470,000 | 7,050 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,626,000 | 5,493 |
| Total interest expense | $1,657,000 | 7,252 |
| Net interest income | $3,969,000 | 4,340 |
| Provision for loan and lease losses | $157,000 | 3,553 |
| Total noninterest income | $844,000 | 3,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $515,000 | 2,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,778 |
| Total noninterest expense | $3,225,000 | 4,038 |
| Salaries and employee benefits | $1,587,000 | 4,075 |
| Premises and equipment expense | $469,000 | 3,959 |
| Additional noninterest expense | $1,169,000 | 3,825 |
| Pre-tax net operating income | $1,431,000 | 4,624 |
| Securities gains (losses) | $-51,000 | 11,184 |
| Applicable income taxes | $443,000 | 4,575 |
| Income before extraordinary items | $937,000 | 4,835 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $937,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $971,680 | 4,687 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,478,000 | 6,167 |
| Total interest expense | $1,034,000 | 8,544 |
| Net interest income | $3,444,000 | 5,007 |
| Provision for loan and lease losses | $58,000 | 5,854 |
| Total noninterest income | $853,000 | 3,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $518,000 | 2,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $335,000 | 3,827 |
| Total noninterest expense | $3,146,000 | 4,238 |
| Salaries and employee benefits | $1,521,000 | 4,233 |
| Premises and equipment expense | $452,000 | 4,133 |
| Additional noninterest expense | $1,173,000 | 4,131 |
| Pre-tax net operating income | $1,093,000 | 5,592 |
| Securities gains (losses) | $-31,000 | 10,677 |
| Applicable income taxes | $361,000 | 5,140 |
| Income before extraordinary items | $701,000 | 5,907 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $701,000 | 5,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $721,460 | 5,868 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,152,000 | 6,689 |
| Total interest expense | $1,072,000 | 8,792 |
| Net interest income | $3,080,000 | 5,543 |
| Provision for loan and lease losses | $48,000 | 7,582 |
| Total noninterest income | $825,000 | 3,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $513,000 | 2,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $312,000 | 4,360 |
| Total noninterest expense | $2,785,000 | 4,812 |
| Salaries and employee benefits | $1,367,000 | 4,656 |
| Premises and equipment expense | $365,000 | 5,065 |
| Additional noninterest expense | $1,053,000 | 4,708 |
| Pre-tax net operating income | $1,072,000 | 5,605 |
| Securities gains (losses) | $72,000 | 2,926 |
| Applicable income taxes | $356,000 | 5,425 |
| Income before extraordinary items | $788,000 | 5,628 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $788,000 | 5,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 7,435 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $575,000 | 571 |
| Net operating income | $738,320 | 5,632 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,757,000 | 7,830 |
| Total interest expense | $1,072,000 | 10,080 |
| Net interest income | $2,685,000 | 6,246 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $749,000 | 4,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $517,000 | 2,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 5,208 |
| Total noninterest expense | $2,491,000 | 5,329 |
| Salaries and employee benefits | $1,182,000 | 5,238 |
| Premises and equipment expense | $317,000 | 5,744 |
| Additional noninterest expense | $992,000 | 5,080 |
| Pre-tax net operating income | $925,000 | 5,967 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $345,000 | 5,411 |
| Income before extraordinary items | $669,000 | 6,110 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $669,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $610,260 | 6,135 |
* 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.