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Palomar Community Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,985,0008,226
Total interest expense$535,0008,951
Net interest income$1,450,0007,419
Provision for loan and lease losses$60,0006,353
Total noninterest income$171,0007,620
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$63,0007,334
Trading account gains and fees$0177
Additional Noninterest Income$108,0006,258
Total noninterest expense$1,077,0007,759
Salaries and employee benefits$512,0008,119
Premises and equipment expense$172,0007,186
Additional noninterest expense$393,0007,204
Pre-tax net operating income$484,0006,618
Securities gains (losses)$04,612
Applicable income taxes$203,0005,004
Income before extraordinary items$281,0007,245
Extraordinary gains, net$0105
Net income$281,0007,247
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,826
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$281,0007,129
2000-12-31 (YTD Data)Rank
Total interest income$5,976,0005,093
Total interest expense$2,531,0005,514
Net interest income$3,445,0004,659
Provision for loan and lease losses$210,0003,626
Total noninterest income$435,0005,300
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$47,0007,707
Trading account gains and feesNANA
Additional Noninterest Income$388,0003,423
Total noninterest expense$5,043,0002,695
Salaries and employee benefits$1,304,0004,892
Premises and equipment expense$369,0004,767
Additional noninterest expense$3,370,0001,342
Pre-tax net operating income$-1,373,0009,777
Securities gains (losses)$01,956
Applicable income taxes$451,0003,729
Income before extraordinary items$-1,824,0009,816
Extraordinary gains, net$038
Net income$-1,824,0009,815
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0004,928
Cash dividends$140,0005,600
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-1,824,0009,817
1999-12-31 (YTD Data)Rank
Total interest income$5,929,0004,988
Total interest expense$2,884,0004,738
Net interest income$3,045,0005,114
Provision for loan and lease losses$115,0004,942
Total noninterest income$688,0004,034
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$37,0008,144
Trading account gains and feesNANA
Additional Noninterest Income$651,0002,489
Total noninterest expense$3,463,0003,735
Salaries and employee benefits$1,331,0004,783
Premises and equipment expense$534,0003,569
Additional noninterest expense$1,598,0002,707
Pre-tax net operating income$155,0008,787
Securities gains (losses)$03,155
Applicable income taxes$198,0005,734
Income before extraordinary items$-43,0009,505
Extraordinary gains, net$035
Net income$-43,0009,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$111,0003,383
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-43,0009,480
1998-12-31 (YTD Data)Rank
Total interest income$5,656,0005,196
Total interest expense$3,450,0004,189
Net interest income$2,206,0006,280
Provision for loan and lease losses$-111,00010,330
Total noninterest income$302,0006,462
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$302,0004,008
Total noninterest expense$2,618,0004,613
Salaries and employee benefits$1,337,0004,656
Premises and equipment expense$558,0003,388
Additional noninterest expense$723,0005,041
Pre-tax net operating income$1,0009,779
Securities gains (losses)$567,000509
Applicable income taxes$204,0006,143
Income before extraordinary items$364,0007,451
Extraordinary gains, net$032
Net income$364,0007,450
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0005,908
Cash dividends$1,0007,465
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,1209,784
1997-12-31 (YTD Data)Rank
Total interest income$5,506,0005,404
Total interest expense$3,450,0004,188
Net interest income$2,056,0006,797
Provision for loan and lease losses$-69,00010,741
Total noninterest income$216,0007,640
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$216,0004,771
Total noninterest expense$1,905,0005,835
Salaries and employee benefits$949,0006,058
Premises and equipment expense$394,0004,496
Additional noninterest expense$562,0006,036
Pre-tax net operating income$436,0008,255
Securities gains (losses)$281,000584
Applicable income taxes$98,0008,429
Income before extraordinary items$619,0006,250
Extraordinary gains, net$044
Net income$619,0006,252
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-90,00010,682
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$377,3407,743
1996-12-31 (YTD Data)Rank
Total interest income$5,622,0005,430
Total interest expense$3,566,0004,124
Net interest income$2,056,0007,030
Provision for loan and lease losses$216,0003,242
Total noninterest income$352,0006,421
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$352,0003,681
Total noninterest expense$2,232,0005,474
Salaries and employee benefits$852,0006,700
Premises and equipment expense$382,0004,706
Additional noninterest expense$998,0004,411
Pre-tax net operating income$-40,00010,882
Securities gains (losses)$26,0001,793
Applicable income taxes$-86,00011,159
Income before extraordinary items$72,00010,436
Extraordinary gains, net$053
Net income$72,00010,435
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$168,0002,972
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$55,36010,501
1995-12-31 (YTD Data)Rank
Total interest income$5,438,0005,629
Total interest expense$3,804,0003,848
Net interest income$1,634,0008,180
Provision for loan and lease losses$761,0001,150
Total noninterest income$76,00010,814
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$76,0008,106
Total noninterest expense$1,804,0006,446
Salaries and employee benefits$803,0007,085
Premises and equipment expense$386,0004,681
Additional noninterest expense$615,0006,443
Pre-tax net operating income$-855,00011,855
Securities gains (losses)$03,831
Applicable income taxes$-939,00011,902
Income before extraordinary items$84,00011,068
Extraordinary gains, net$065
Net income$84,00011,067
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$402,0001,590
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$84,00011,044
1994-12-31 (YTD Data)Rank
Total interest income$4,719,0005,937
Total interest expense$2,610,0004,470
Net interest income$2,109,0007,303
Provision for loan and lease losses$5,0008,812
Total noninterest income$193,0008,852
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$193,0005,389
Total noninterest expense$1,859,0006,545
Salaries and employee benefits$916,0006,538
Premises and equipment expense$393,0004,652
Additional noninterest expense$550,0007,421
Pre-tax net operating income$438,0009,073
Securities gains (losses)$-98,00011,514
Applicable income taxes$168,0007,964
Income before extraordinary items$172,00010,589
Extraordinary gains, net$0249
Net income$172,00010,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,338
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$234,7209,939
1993-12-31 (YTD Data)Rank
Total interest income$5,855,0005,057
Total interest expense$3,046,0004,070
Net interest income$2,809,0005,959
Provision for loan and lease losses$349,0002,723
Total noninterest income$-1,155,00013,270
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$-1,155,00013,310
Total noninterest expense$2,907,0004,643
Salaries and employee benefits$859,0006,967
Premises and equipment expense$406,0004,660
Additional noninterest expense$1,642,0003,241
Pre-tax net operating income$-1,602,00013,046
Securities gains (losses)$274,0001,384
Applicable income taxes$456,0004,544
Income before extraordinary items$-1,784,00013,075
Extraordinary gains, net$03,149
Net income$-1,784,00013,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$68,0005,402
Cash dividends$1,0009,069
Sale, conversion, retirement of capital stock, net$307,000697
Net operating income$-2,058,00013,066
1992-12-31 (YTD Data)Rank
Total interest income$7,313,0004,644
Total interest expense$4,336,0003,787
Net interest income$2,977,0005,758
Provision for loan and lease losses$212,0005,074
Total noninterest income$-120,00013,904
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$-120,00013,943
Total noninterest expense$2,475,0005,361
Salaries and employee benefits$863,0006,850
Premises and equipment expense$417,0004,648
Additional noninterest expense$1,194,0004,357
Pre-tax net operating income$170,00011,337
Securities gains (losses)$08,369
Applicable income taxes$72,00010,657
Income before extraordinary items$98,00011,965
Extraordinary gains, net$01,422
Net income$100,00012,007
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$149,0004,906
Cash dividends$2,0008,882
Sale, conversion, retirement of capital stock, net$376,000611
Net operating income$98,00011,671

* 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.