Home > Pacifica Bank > Income and Expense
Pacifica Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,459,000 | 2,792 |
| Total interest expense | $2,295,000 | 3,143 |
| Net interest income | $6,164,000 | 2,608 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $549,000 | 4,279 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 6,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $475,000 | 2,979 |
| Total noninterest expense | $4,832,000 | 2,555 |
| Salaries and employee benefits | $2,825,000 | 2,383 |
| Premises and equipment expense | $847,000 | 2,109 |
| Additional noninterest expense | $1,160,000 | 3,125 |
| Pre-tax net operating income | $1,881,000 | 3,192 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $625,000 | 2,571 |
| Income before extraordinary items | $1,285,000 | 3,507 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,285,000 | 3,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,567 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,265,570 | 3,503 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 2,855 |
| Total interest expense | $1,401,000 | 3,224 |
| Net interest income | $3,964,000 | 2,684 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $357,000 | 4,323 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $53,000 | 6,222 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $304,000 | 3,029 |
| Total noninterest expense | $3,174,000 | 2,563 |
| Salaries and employee benefits | $1,785,000 | 2,499 |
| Premises and equipment expense | $569,000 | 2,073 |
| Additional noninterest expense | $820,000 | 2,956 |
| Pre-tax net operating income | $1,147,000 | 3,371 |
| Securities gains (losses) | $29,000 | 979 |
| Applicable income taxes | $384,000 | 2,676 |
| Income before extraordinary items | $792,000 | 3,656 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $792,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,105 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $772,570 | 3,665 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,608,000 | 2,891 |
| Total interest expense | $639,000 | 3,342 |
| Net interest income | $1,969,000 | 2,679 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $184,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $154,000 | 2,929 |
| Total noninterest expense | $1,607,000 | 2,547 |
| Salaries and employee benefits | $928,000 | 2,431 |
| Premises and equipment expense | $283,000 | 2,112 |
| Additional noninterest expense | $396,000 | 3,041 |
| Pre-tax net operating income | $546,000 | 3,447 |
| Securities gains (losses) | $29,000 | 684 |
| Applicable income taxes | $190,000 | 2,683 |
| Income before extraordinary items | $385,000 | 3,708 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $385,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $365,570 | 3,821 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,286,000 | 2,760 |
| Total interest expense | $2,229,000 | 3,337 |
| Net interest income | $8,057,000 | 2,530 |
| Provision for loan and lease losses | $-725,000 | 8,921 |
| Total noninterest income | $737,000 | 4,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $143,000 | 5,885 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $594,000 | 3,004 |
| Total noninterest expense | $6,653,000 | 2,400 |
| Salaries and employee benefits | $3,836,000 | 2,269 |
| Premises and equipment expense | $1,149,000 | 2,007 |
| Additional noninterest expense | $1,668,000 | 2,853 |
| Pre-tax net operating income | $2,866,000 | 2,690 |
| Securities gains (losses) | $61,000 | 1,584 |
| Applicable income taxes | $64,000 | 5,876 |
| Income before extraordinary items | $2,863,000 | 2,169 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,863,000 | 2,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-611,000 | 8,948 |
| Cash dividends | $2,500,000 | 1,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,803,220 | 2,151 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,649,000 | 2,750 |
| Total interest expense | $1,659,000 | 3,309 |
| Net interest income | $5,990,000 | 2,525 |
| Provision for loan and lease losses | $-725,000 | 8,982 |
| Total noninterest income | $565,000 | 4,235 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $111,000 | 5,858 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $454,000 | 2,975 |
| Total noninterest expense | $5,009,000 | 2,380 |
| Salaries and employee benefits | $2,871,000 | 2,252 |
| Premises and equipment expense | $864,000 | 1,999 |
| Additional noninterest expense | $1,274,000 | 2,755 |
| Pre-tax net operating income | $2,271,000 | 2,588 |
| Securities gains (losses) | $38,000 | 1,863 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $2,293,000 | 2,048 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,293,000 | 2,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-587,000 | 8,996 |
| Cash dividends | $2,500,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,255,380 | 2,024 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 2,745 |
| Total interest expense | $1,105,000 | 3,293 |
| Net interest income | $3,980,000 | 2,497 |
| Provision for loan and lease losses | $-725,000 | 9,042 |
| Total noninterest income | $394,000 | 4,124 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $80,000 | 5,723 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $314,000 | 2,915 |
| Total noninterest expense | $3,397,000 | 2,332 |
| Salaries and employee benefits | $1,944,000 | 2,224 |
| Premises and equipment expense | $576,000 | 1,999 |
| Additional noninterest expense | $877,000 | 2,685 |
| Pre-tax net operating income | $1,702,000 | 2,329 |
| Securities gains (losses) | $35,000 | 1,694 |
| Applicable income taxes | $16,000 | 6,416 |
| Income before extraordinary items | $1,721,000 | 1,834 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,721,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-573,000 | 9,057 |
| Cash dividends | $2,500,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,686,350 | 1,817 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,519,000 | 2,768 |
| Total interest expense | $559,000 | 3,298 |
| Net interest income | $1,960,000 | 2,536 |
| Provision for loan and lease losses | $-395,000 | 9,075 |
| Total noninterest income | $189,000 | 4,180 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $151,000 | 2,933 |
| Total noninterest expense | $1,653,000 | 2,418 |
| Salaries and employee benefits | $970,000 | 2,260 |
| Premises and equipment expense | $289,000 | 2,000 |
| Additional noninterest expense | $394,000 | 2,959 |
| Pre-tax net operating income | $891,000 | 2,222 |
| Securities gains (losses) | $35,000 | 1,403 |
| Applicable income taxes | $16,000 | 5,956 |
| Income before extraordinary items | $910,000 | 1,725 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $910,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-531,000 | 9,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $875,700 | 1,706 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,554,000 | 2,961 |
| Total interest expense | $2,682,000 | 3,167 |
| Net interest income | $6,872,000 | 2,805 |
| Provision for loan and lease losses | $-900,000 | 9,145 |
| Total noninterest income | $681,000 | 4,630 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $206,000 | 5,206 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $475,000 | 3,668 |
| Total noninterest expense | $6,846,000 | 2,298 |
| Salaries and employee benefits | $3,813,000 | 2,233 |
| Premises and equipment expense | $1,179,000 | 1,940 |
| Additional noninterest expense | $1,854,000 | 2,561 |
| Pre-tax net operating income | $1,607,000 | 3,949 |
| Securities gains (losses) | $159,000 | 1,512 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,766,000 | 3,145 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,766,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-211,000 | 9,112 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,607,000 | 3,227 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 3,017 |
| Total interest expense | $2,102,000 | 3,148 |
| Net interest income | $5,010,000 | 2,899 |
| Provision for loan and lease losses | $-90,000 | 9,128 |
| Total noninterest income | $482,000 | 4,842 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $163,000 | 5,107 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $319,000 | 3,935 |
| Total noninterest expense | $4,851,000 | 2,437 |
| Salaries and employee benefits | $2,655,000 | 2,389 |
| Premises and equipment expense | $884,000 | 1,937 |
| Additional noninterest expense | $1,312,000 | 2,683 |
| Pre-tax net operating income | $731,000 | 5,404 |
| Securities gains (losses) | $119,000 | 1,591 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $850,000 | 4,444 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $850,000 | 4,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,024 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $731,000 | 4,677 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,727,000 | 3,048 |
| Total interest expense | $1,455,000 | 3,137 |
| Net interest income | $3,272,000 | 2,931 |
| Provision for loan and lease losses | $-90,000 | 9,183 |
| Total noninterest income | $303,000 | 4,963 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $110,000 | 5,032 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $193,000 | 4,098 |
| Total noninterest expense | $3,189,000 | 2,467 |
| Salaries and employee benefits | $1,722,000 | 2,443 |
| Premises and equipment expense | $579,000 | 1,968 |
| Additional noninterest expense | $888,000 | 2,645 |
| Pre-tax net operating income | $476,000 | 5,438 |
| Securities gains (losses) | $109,000 | 1,441 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $585,000 | 4,370 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $585,000 | 4,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,417 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $476,000 | 4,717 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 3,053 |
| Total interest expense | $753,000 | 3,108 |
| Net interest income | $1,614,000 | 2,964 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $167,000 | 4,611 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 3,805 |
| Total noninterest expense | $1,531,000 | 2,529 |
| Salaries and employee benefits | $851,000 | 2,474 |
| Premises and equipment expense | $288,000 | 1,974 |
| Additional noninterest expense | $392,000 | 2,906 |
| Pre-tax net operating income | $250,000 | 5,287 |
| Securities gains (losses) | $33,000 | 1,627 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $283,000 | 4,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,934 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $250,000 | 4,517 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,120,000 | 2,988 |
| Total interest expense | $4,145,000 | 2,656 |
| Net interest income | $5,975,000 | 3,146 |
| Provision for loan and lease losses | $-603,000 | 9,336 |
| Total noninterest income | $620,000 | 4,642 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $197,000 | 5,230 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $423,000 | 3,603 |
| Total noninterest expense | $6,573,000 | 2,270 |
| Salaries and employee benefits | $3,670,000 | 2,185 |
| Premises and equipment expense | $1,028,000 | 2,126 |
| Additional noninterest expense | $1,875,000 | 2,462 |
| Pre-tax net operating income | $625,000 | 6,346 |
| Securities gains (losses) | $43,000 | 2,542 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $668,000 | 5,667 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $668,000 | 5,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $75,000 | 5,758 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $625,000 | 5,727 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,308,000 | 2,755 |
| Total interest expense | $7,004,000 | 2,290 |
| Net interest income | $5,304,000 | 3,273 |
| Provision for loan and lease losses | $4,642,000 | 371 |
| Total noninterest income | $572,000 | 4,711 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $202,000 | 5,142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $370,000 | 3,708 |
| Total noninterest expense | $5,625,000 | 2,514 |
| Salaries and employee benefits | $3,110,000 | 2,416 |
| Premises and equipment expense | $807,000 | 2,613 |
| Additional noninterest expense | $1,708,000 | 2,584 |
| Pre-tax net operating income | $-4,391,000 | 9,562 |
| Securities gains (losses) | $1,732,000 | 276 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-2,659,000 | 9,546 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,659,000 | 9,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,418,000 | 499 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-4,391,000 | 9,555 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,417,000 | 3,290 |
| Total interest expense | $4,933,000 | 3,365 |
| Net interest income | $5,484,000 | 3,215 |
| Provision for loan and lease losses | $717,000 | 1,387 |
| Total noninterest income | $416,000 | 5,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 3,906 |
| Total noninterest expense | $4,305,000 | 3,128 |
| Salaries and employee benefits | $2,445,000 | 2,886 |
| Premises and equipment expense | $500,000 | 3,789 |
| Additional noninterest expense | $1,360,000 | 3,052 |
| Pre-tax net operating income | $878,000 | 5,622 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $878,000 | 4,750 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $878,000 | 4,749 |
| 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 | $215,000 | 627 |
| Net operating income | $878,000 | 4,758 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,855,000 | 5,672 |
| Total interest expense | $2,278,000 | 5,516 |
| Net interest income | $2,577,000 | 5,693 |
| Provision for loan and lease losses | $549,000 | 1,641 |
| Total noninterest income | $242,000 | 7,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,043 |
| Total noninterest expense | $3,000,000 | 4,210 |
| Salaries and employee benefits | $1,547,000 | 4,223 |
| Premises and equipment expense | $495,000 | 3,793 |
| Additional noninterest expense | $958,000 | 4,157 |
| Pre-tax net operating income | $-730,000 | 9,978 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-731,000 | 10,008 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-731,000 | 10,007 |
| 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 | $2,595,000 | 389 |
| Net operating income | $-730,000 | 9,997 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $456,000 | 10,245 |
| Total interest expense | $219,000 | 10,167 |
| Net interest income | $237,000 | 10,266 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $7,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,162 |
| Total noninterest expense | $1,751,000 | 6,125 |
| Salaries and employee benefits | $840,000 | 6,508 |
| Premises and equipment expense | $204,000 | 6,645 |
| Additional noninterest expense | $707,000 | 5,125 |
| Pre-tax net operating income | $-1,547,000 | 10,399 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-1,547,000 | 10,406 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,547,000 | 10,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $13,481,000 | 70 |
| Net operating income | $-1,547,000 | 10,392 |
* 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.