Home > Peninsula Bank of Commerce > Income and Expense
Peninsula Bank of Commerce, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,629,000 | 1,204 |
| Total interest expense | $5,699,000 | 1,573 |
| Net interest income | $17,930,000 | 1,073 |
| Provision for loan and lease losses | $-13,000 | 8,916 |
| Total noninterest income | $1,117,000 | 3,470 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $297,000 | 4,321 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $820,000 | 2,699 |
| Total noninterest expense | $7,396,000 | 2,128 |
| Salaries and employee benefits | $1,221,000 | 5,585 |
| Premises and equipment expense | $157,000 | 7,305 |
| Additional noninterest expense | $6,018,000 | 853 |
| Pre-tax net operating income | $11,664,000 | 751 |
| Securities gains (losses) | $219,000 | 1,280 |
| Applicable income taxes | $4,462,000 | 677 |
| Income before extraordinary items | $7,421,000 | 876 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,421,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,348,000 | 726 |
| Cash dividends | $1,857,000 | 1,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,280,840 | 832 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,041,000 | 1,218 |
| Total interest expense | $4,770,000 | 1,457 |
| Net interest income | $13,271,000 | 1,100 |
| Provision for loan and lease losses | $8,000 | 7,260 |
| Total noninterest income | $887,000 | 3,416 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $226,000 | 4,303 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $661,000 | 2,670 |
| Total noninterest expense | $5,714,000 | 2,078 |
| Salaries and employee benefits | $1,040,000 | 5,114 |
| Premises and equipment expense | $110,000 | 7,458 |
| Additional noninterest expense | $4,564,000 | 853 |
| Pre-tax net operating income | $8,436,000 | 805 |
| Securities gains (losses) | $157,000 | 1,387 |
| Applicable income taxes | $3,195,000 | 729 |
| Income before extraordinary items | $5,398,000 | 935 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,398,000 | 935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,003,000 | 697 |
| Cash dividends | $1,400,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,297,520 | 884 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,716,000 | 1,146 |
| Total interest expense | $3,562,000 | 1,349 |
| Net interest income | $9,154,000 | 1,069 |
| Provision for loan and lease losses | $-14,000 | 9,109 |
| Total noninterest income | $625,000 | 3,243 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $156,000 | 4,191 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $469,000 | 2,536 |
| Total noninterest expense | $3,835,000 | 2,054 |
| Salaries and employee benefits | $715,000 | 4,992 |
| Premises and equipment expense | $81,000 | 7,268 |
| Additional noninterest expense | $3,039,000 | 862 |
| Pre-tax net operating income | $5,958,000 | 756 |
| Securities gains (losses) | $-177,000 | 9,220 |
| Applicable income taxes | $2,142,000 | 732 |
| Income before extraordinary items | $3,639,000 | 928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,639,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $495,000 | 849 |
| Cash dividends | $944,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,752,280 | 834 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,562,000 | 1,122 |
| Total interest expense | $1,959,000 | 1,248 |
| Net interest income | $4,603,000 | 1,057 |
| Provision for loan and lease losses | $-9,000 | 9,187 |
| Total noninterest income | $324,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $244,000 | 2,397 |
| Total noninterest expense | $1,987,000 | 1,968 |
| Salaries and employee benefits | $358,000 | 4,996 |
| Premises and equipment expense | $50,000 | 6,781 |
| Additional noninterest expense | $1,579,000 | 800 |
| Pre-tax net operating income | $2,949,000 | 764 |
| Securities gains (losses) | $-276,000 | 9,288 |
| Applicable income taxes | $990,000 | 802 |
| Income before extraordinary items | $1,683,000 | 998 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,683,000 | 996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,704 |
| Cash dividends | $420,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,859,640 | 843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $31,947,000 | 955 |
| Total interest expense | $9,671,000 | 1,166 |
| Net interest income | $22,276,000 | 875 |
| Provision for loan and lease losses | $2,306,000 | 664 |
| Total noninterest income | $717,000 | 4,269 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $295,000 | 4,266 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $422,000 | 3,608 |
| Total noninterest expense | $6,485,000 | 2,302 |
| Salaries and employee benefits | $1,433,000 | 4,862 |
| Premises and equipment expense | $113,000 | 7,983 |
| Additional noninterest expense | $4,939,000 | 1,005 |
| Pre-tax net operating income | $14,202,000 | 616 |
| Securities gains (losses) | $585,000 | 605 |
| Applicable income taxes | $5,374,000 | 559 |
| Income before extraordinary items | $9,413,000 | 673 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,413,000 | 674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,938,000 | 579 |
| Cash dividends | $8,302,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,038,600 | 666 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,157,000 | 1,169 |
| Total interest expense | $10,615,000 | 1,536 |
| Net interest income | $18,542,000 | 967 |
| Provision for loan and lease losses | $4,419,000 | 386 |
| Total noninterest income | $562,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $223,000 | 4,903 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $339,000 | 3,867 |
| Total noninterest expense | $6,623,000 | 2,167 |
| Salaries and employee benefits | $1,252,000 | 5,160 |
| Premises and equipment expense | $218,000 | 6,523 |
| Additional noninterest expense | $5,153,000 | 948 |
| Pre-tax net operating income | $8,062,000 | 933 |
| Securities gains (losses) | $285,000 | 919 |
| Applicable income taxes | $2,968,000 | 851 |
| Income before extraordinary items | $5,379,000 | 1,017 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,379,000 | 1,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,993,000 | 430 |
| Cash dividends | $1,378,000 | 1,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,196,600 | 1,016 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,413,000 | 1,428 |
| Total interest expense | $7,449,000 | 2,280 |
| Net interest income | $16,964,000 | 1,035 |
| Provision for loan and lease losses | $2,300,000 | 555 |
| Total noninterest income | $469,000 | 5,081 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $219,000 | 4,881 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $250,000 | 4,299 |
| Total noninterest expense | $6,670,000 | 2,068 |
| Salaries and employee benefits | $1,002,000 | 5,907 |
| Premises and equipment expense | $402,000 | 4,494 |
| Additional noninterest expense | $5,266,000 | 915 |
| Pre-tax net operating income | $8,463,000 | 915 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $3,275,000 | 770 |
| Income before extraordinary items | $5,176,000 | 1,036 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,176,000 | 1,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,212,000 | 657 |
| Cash dividends | $954,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,183,680 | 1,032 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,323,000 | 1,679 |
| Total interest expense | $6,470,000 | 2,280 |
| Net interest income | $12,853,000 | 1,360 |
| Provision for loan and lease losses | $1,529,000 | 688 |
| Total noninterest income | $369,000 | 5,842 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $197,000 | 5,158 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $172,000 | 5,286 |
| Total noninterest expense | $5,375,000 | 2,520 |
| Salaries and employee benefits | $874,000 | 6,428 |
| Premises and equipment expense | $293,000 | 5,535 |
| Additional noninterest expense | $4,208,000 | 1,116 |
| Pre-tax net operating income | $6,318,000 | 1,214 |
| Securities gains (losses) | $-33,000 | 9,682 |
| Applicable income taxes | $2,348,000 | 1,075 |
| Income before extraordinary items | $3,937,000 | 1,367 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,937,000 | 1,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 10,066 |
| Cash dividends | $486,000 | 3,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,958,120 | 1,340 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,852,000 | 2,059 |
| Total interest expense | $6,161,000 | 2,461 |
| Net interest income | $9,691,000 | 1,764 |
| Provision for loan and lease losses | $590,000 | 1,525 |
| Total noninterest income | $371,000 | 5,848 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $184,000 | 5,372 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $187,000 | 5,137 |
| Total noninterest expense | $4,894,000 | 2,678 |
| Salaries and employee benefits | $1,284,000 | 4,814 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $3,162,000 | 1,386 |
| Pre-tax net operating income | $4,578,000 | 1,614 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $1,676,000 | 1,466 |
| Income before extraordinary items | $2,907,000 | 1,818 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,907,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $424,000 | 3,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,903,800 | 1,741 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,991,000 | 2,178 |
| Total interest expense | $5,806,000 | 2,570 |
| Net interest income | $9,185,000 | 1,898 |
| Provision for loan and lease losses | $205,000 | 3,384 |
| Total noninterest income | $361,000 | 6,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,804 |
| Total noninterest expense | $4,917,000 | 2,607 |
| Salaries and employee benefits | $2,528,000 | 2,612 |
| Premises and equipment expense | $410,000 | 4,364 |
| Additional noninterest expense | $1,979,000 | 2,110 |
| Pre-tax net operating income | $4,424,000 | 1,731 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,847,000 | 1,422 |
| Income before extraordinary items | $2,577,000 | 2,053 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,577,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $2,200,000 | 1,198 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 664 |
| Net operating income | $2,577,000 | 2,001 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,060,000 | 3,589 |
| Total interest expense | $2,911,000 | 4,922 |
| Net interest income | $6,149,000 | 2,888 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $361,000 | 6,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,441 |
| Total noninterest expense | $3,509,000 | 3,762 |
| Salaries and employee benefits | $2,254,000 | 2,966 |
| Premises and equipment expense | $414,000 | 4,418 |
| Additional noninterest expense | $841,000 | 5,006 |
| Pre-tax net operating income | $2,881,000 | 2,452 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,046,000 | 2,260 |
| Income before extraordinary items | $1,835,000 | 2,651 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,835,000 | 2,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-200,000 | 11,333 |
| Cash dividends | $905,000 | 2,297 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 625 |
| Net operating income | $1,835,000 | 2,605 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,604,000 | 3,766 |
| Total interest expense | $2,447,000 | 5,658 |
| Net interest income | $6,157,000 | 2,892 |
| Provision for loan and lease losses | $204,000 | 2,963 |
| Total noninterest income | $396,000 | 6,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,887 |
| Total noninterest expense | $3,521,000 | 3,722 |
| Salaries and employee benefits | $2,181,000 | 3,054 |
| Premises and equipment expense | $413,000 | 4,404 |
| Additional noninterest expense | $927,000 | 4,647 |
| Pre-tax net operating income | $2,828,000 | 2,551 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,046,000 | 2,284 |
| Income before extraordinary items | $1,782,000 | 2,770 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,782,000 | 2,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,625 |
| Cash dividends | $889,000 | 2,258 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 441 |
| Net operating income | $1,782,000 | 2,736 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,212,000 | 4,111 |
| Total interest expense | $1,685,000 | 6,370 |
| Net interest income | $5,527,000 | 3,232 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $380,000 | 6,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 5,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,726 |
| Total noninterest expense | $3,596,000 | 3,757 |
| Salaries and employee benefits | $2,039,000 | 3,224 |
| Premises and equipment expense | $497,000 | 3,830 |
| Additional noninterest expense | $1,060,000 | 4,488 |
| Pre-tax net operating income | $2,191,000 | 3,185 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $824,000 | 2,704 |
| Income before extraordinary items | $1,367,000 | 3,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,367,000 | 3,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 11,913 |
| Cash dividends | $631,000 | 2,700 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,006 |
| Net operating income | $1,367,000 | 3,466 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,388,000 | 4,686 |
| Total interest expense | $1,786,000 | 6,365 |
| Net interest income | $4,602,000 | 3,847 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $358,000 | 6,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 5,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $3,801,000 | 3,650 |
| Salaries and employee benefits | $2,092,000 | 3,139 |
| Premises and equipment expense | $458,000 | 4,185 |
| Additional noninterest expense | $1,251,000 | 4,047 |
| Pre-tax net operating income | $994,000 | 5,904 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $364,000 | 5,349 |
| Income before extraordinary items | $630,000 | 6,563 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $630,000 | 6,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 5,272 |
| Cash dividends | $315,000 | 4,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $630,000 | 6,324 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,757,000 | 4,976 |
| Total interest expense | $2,673,000 | 5,683 |
| Net interest income | $4,084,000 | 4,360 |
| Provision for loan and lease losses | $265,000 | 4,453 |
| Total noninterest income | $401,000 | 6,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,888 |
| Total noninterest expense | $3,463,000 | 3,968 |
| Salaries and employee benefits | $1,987,000 | 3,227 |
| Premises and equipment expense | $452,000 | 4,332 |
| Additional noninterest expense | $1,025,000 | 4,962 |
| Pre-tax net operating income | $756,000 | 6,794 |
| Securities gains (losses) | $62,000 | 3,771 |
| Applicable income taxes | $283,000 | 6,176 |
| Income before extraordinary items | $535,000 | 7,035 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $535,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 3,304 |
| Cash dividends | $204,000 | 4,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $494,700 | 6,998 |
* 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.