Home > Rancho Bernardo Community Bank > Income and Expense
Rancho Bernardo Community Bank, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 3,758 |
| Total interest expense | $849,000 | 4,610 |
| Net interest income | $2,990,000 | 3,411 |
| Provision for loan and lease losses | $198,000 | 2,189 |
| Total noninterest income | $163,000 | 6,177 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $87,000 | 5,319 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $76,000 | 5,712 |
| Total noninterest expense | $1,813,000 | 4,117 |
| Salaries and employee benefits | $1,111,000 | 3,783 |
| Premises and equipment expense | $250,000 | 4,149 |
| Additional noninterest expense | $452,000 | 4,717 |
| Pre-tax net operating income | $1,142,000 | 3,381 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $469,000 | 2,354 |
| Income before extraordinary items | $673,000 | 4,097 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $673,000 | 4,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 1,042 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $190,000 | 370 |
| Net operating income | $673,000 | 4,042 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 3,948 |
| Total interest expense | $356,000 | 5,015 |
| Net interest income | $1,428,000 | 3,542 |
| Provision for loan and lease losses | $99,000 | 2,094 |
| Total noninterest income | $50,000 | 7,067 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $35,000 | 5,695 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $876,000 | 4,254 |
| Salaries and employee benefits | $555,000 | 3,785 |
| Premises and equipment expense | $120,000 | 4,309 |
| Additional noninterest expense | $201,000 | 5,048 |
| Pre-tax net operating income | $503,000 | 3,661 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $204,000 | 2,558 |
| Income before extraordinary items | $299,000 | 4,383 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $299,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 597 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 276 |
| Net operating income | $299,000 | 4,345 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,571,000 | 3,990 |
| Total interest expense | $1,108,000 | 5,365 |
| Net interest income | $5,463,000 | 3,551 |
| Provision for loan and lease losses | $165,000 | 4,077 |
| Total noninterest income | $322,000 | 6,254 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $150,000 | 5,779 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $172,000 | 5,422 |
| Total noninterest expense | $3,036,000 | 4,615 |
| Salaries and employee benefits | $1,971,000 | 4,040 |
| Premises and equipment expense | $411,000 | 4,670 |
| Additional noninterest expense | $654,000 | 5,744 |
| Pre-tax net operating income | $2,584,000 | 2,923 |
| Securities gains (losses) | $12,000 | 2,733 |
| Applicable income taxes | $1,068,000 | 2,047 |
| Income before extraordinary items | $1,528,000 | 3,594 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,528,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,458 |
| Cash dividends | $1,000 | 6,147 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 631 |
| Net operating income | $1,520,320 | 3,544 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 4,042 |
| Total interest expense | $801,000 | 5,444 |
| Net interest income | $4,015,000 | 3,590 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $235,000 | 6,355 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $116,000 | 5,767 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 5,588 |
| Total noninterest expense | $2,280,000 | 4,584 |
| Salaries and employee benefits | $1,464,000 | 4,028 |
| Premises and equipment expense | $314,000 | 4,627 |
| Additional noninterest expense | $502,000 | 5,622 |
| Pre-tax net operating income | $1,925,000 | 2,981 |
| Securities gains (losses) | $12,000 | 2,612 |
| Applicable income taxes | $789,000 | 2,120 |
| Income before extraordinary items | $1,148,000 | 3,658 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,148,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $1,000 | 5,358 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 499 |
| Net operating income | $1,140,320 | 3,606 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,101,000 | 4,140 |
| Total interest expense | $502,000 | 5,640 |
| Net interest income | $2,599,000 | 3,660 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $176,000 | 6,112 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $79,000 | 5,743 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $97,000 | 5,216 |
| Total noninterest expense | $1,481,000 | 4,703 |
| Salaries and employee benefits | $952,000 | 4,125 |
| Premises and equipment expense | $225,000 | 4,416 |
| Additional noninterest expense | $304,000 | 5,936 |
| Pre-tax net operating income | $1,264,000 | 2,986 |
| Securities gains (losses) | $12,000 | 2,314 |
| Applicable income taxes | $528,000 | 2,111 |
| Income before extraordinary items | $748,000 | 3,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $748,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 416 |
| Net operating income | $740,320 | 3,639 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 4,285 |
| Total interest expense | $239,000 | 5,827 |
| Net interest income | $1,253,000 | 3,757 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $113,000 | 5,490 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $78,000 | 4,224 |
| Total noninterest expense | $735,000 | 4,754 |
| Salaries and employee benefits | $488,000 | 4,090 |
| Premises and equipment expense | $113,000 | 4,421 |
| Additional noninterest expense | $134,000 | 6,328 |
| Pre-tax net operating income | $616,000 | 3,016 |
| Securities gains (losses) | $12,000 | 1,956 |
| Applicable income taxes | $256,000 | 2,162 |
| Income before extraordinary items | $372,000 | 3,706 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $372,000 | 3,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 263 |
| Net operating income | $364,320 | 3,636 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,587,000 | 4,512 |
| Total interest expense | $1,140,000 | 5,737 |
| Net interest income | $4,447,000 | 4,031 |
| Provision for loan and lease losses | $128,000 | 4,835 |
| Total noninterest income | $304,000 | 6,571 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $169,000 | 5,633 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $135,000 | 6,013 |
| Total noninterest expense | $2,934,000 | 4,672 |
| Salaries and employee benefits | $1,850,000 | 4,179 |
| Premises and equipment expense | $459,000 | 4,325 |
| Additional noninterest expense | $625,000 | 5,845 |
| Pre-tax net operating income | $1,689,000 | 3,807 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $693,000 | 2,817 |
| Income before extraordinary items | $996,000 | 4,663 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $996,000 | 4,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $996,000 | 4,495 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 4,607 |
| Total interest expense | $881,000 | 5,786 |
| Net interest income | $3,266,000 | 4,121 |
| Provision for loan and lease losses | $128,000 | 4,251 |
| Total noninterest income | $242,000 | 6,492 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $133,000 | 5,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $109,000 | 5,920 |
| Total noninterest expense | $2,548,000 | 4,203 |
| Salaries and employee benefits | $1,382,000 | 4,188 |
| Premises and equipment expense | $327,000 | 4,467 |
| Additional noninterest expense | $839,000 | 3,932 |
| Pre-tax net operating income | $832,000 | 5,019 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $340,000 | 3,703 |
| Income before extraordinary items | $492,000 | 5,898 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $492,000 | 5,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $492,000 | 5,726 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,772,000 | 4,640 |
| Total interest expense | $605,000 | 5,811 |
| Net interest income | $2,167,000 | 4,139 |
| Provision for loan and lease losses | $96,000 | 3,940 |
| Total noninterest income | $178,000 | 6,254 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $91,000 | 5,491 |
| Total noninterest expense | $1,747,000 | 4,100 |
| Salaries and employee benefits | $930,000 | 4,147 |
| Premises and equipment expense | $228,000 | 4,335 |
| Additional noninterest expense | $589,000 | 3,750 |
| Pre-tax net operating income | $502,000 | 5,297 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $203,000 | 3,945 |
| Income before extraordinary items | $299,000 | 6,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $299,000 | 6,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,574 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $299,000 | 5,908 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,390,000 | 4,652 |
| Total interest expense | $295,000 | 5,981 |
| Net interest income | $1,095,000 | 4,111 |
| Provision for loan and lease losses | $48,000 | 3,749 |
| Total noninterest income | $63,000 | 6,928 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $889,000 | 4,033 |
| Salaries and employee benefits | $452,000 | 4,227 |
| Premises and equipment expense | $113,000 | 4,362 |
| Additional noninterest expense | $324,000 | 3,410 |
| Pre-tax net operating income | $221,000 | 5,599 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $88,000 | 4,188 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 4,803 |
| Total interest expense | $1,504,000 | 5,713 |
| Net interest income | $4,060,000 | 4,304 |
| Provision for loan and lease losses | $286,000 | 3,574 |
| Total noninterest income | $539,000 | 5,011 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $234,000 | 4,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $305,000 | 4,222 |
| Total noninterest expense | $3,725,000 | 3,757 |
| Salaries and employee benefits | $1,715,000 | 4,243 |
| Premises and equipment expense | $687,000 | 3,045 |
| Additional noninterest expense | $1,323,000 | 3,315 |
| Pre-tax net operating income | $588,000 | 6,463 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $240,000 | 4,829 |
| Income before extraordinary items | $348,000 | 7,078 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $348,000 | 7,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,032 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 731 |
| Net operating income | $348,000 | 6,960 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,121,000 | 4,895 |
| Total interest expense | $2,307,000 | 5,652 |
| Net interest income | $3,814,000 | 4,270 |
| Provision for loan and lease losses | $498,000 | 2,228 |
| Total noninterest income | $470,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $203,000 | 5,130 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $267,000 | 4,361 |
| Total noninterest expense | $3,227,000 | 4,099 |
| Salaries and employee benefits | $1,687,000 | 4,126 |
| Premises and equipment expense | $520,000 | 3,748 |
| Additional noninterest expense | $1,020,000 | 4,006 |
| Pre-tax net operating income | $559,000 | 6,327 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $231,000 | 4,745 |
| Income before extraordinary items | $335,000 | 6,920 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $335,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,867 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $330,520 | 6,830 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,215,000 | 4,956 |
| Total interest expense | $2,214,000 | 5,957 |
| Net interest income | $4,001,000 | 4,182 |
| Provision for loan and lease losses | $484,000 | 1,926 |
| Total noninterest income | $202,000 | 7,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,688 |
| Total noninterest expense | $2,642,000 | 4,666 |
| Salaries and employee benefits | $1,340,000 | 4,786 |
| Premises and equipment expense | $397,000 | 4,532 |
| Additional noninterest expense | $905,000 | 4,315 |
| Pre-tax net operating income | $1,077,000 | 5,066 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $443,000 | 3,768 |
| Income before extraordinary items | $634,000 | 5,693 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $634,000 | 5,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,591 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,053,000 | 436 |
| Net operating income | $634,000 | 5,709 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,455,000 | 5,976 |
| Total interest expense | $1,623,000 | 6,683 |
| Net interest income | $2,832,000 | 5,383 |
| Provision for loan and lease losses | $531,000 | 1,683 |
| Total noninterest income | $266,000 | 6,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,555 |
| Total noninterest expense | $2,090,000 | 5,518 |
| Salaries and employee benefits | $1,124,000 | 5,415 |
| Premises and equipment expense | $393,000 | 4,598 |
| Additional noninterest expense | $573,000 | 6,005 |
| Pre-tax net operating income | $477,000 | 7,245 |
| Securities gains (losses) | $-26,000 | 9,622 |
| Applicable income taxes | $-105,000 | 9,928 |
| Income before extraordinary items | $556,000 | 6,126 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $556,000 | 6,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 1,540 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 938 |
| Net operating income | $582,000 | 5,960 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,791,000 | 7,771 |
| Total interest expense | $1,049,000 | 8,288 |
| Net interest income | $1,742,000 | 7,182 |
| Provision for loan and lease losses | $192,000 | 3,596 |
| Total noninterest income | $150,000 | 8,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,704 |
| Total noninterest expense | $1,711,000 | 6,208 |
| Salaries and employee benefits | $892,000 | 6,245 |
| Premises and equipment expense | $344,000 | 4,936 |
| Additional noninterest expense | $475,000 | 6,610 |
| Pre-tax net operating income | $-11,000 | 9,822 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-24,000 | 10,069 |
| Income before extraordinary items | $13,000 | 9,786 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $13,000 | 9,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $13,000 | 9,735 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $574,000 | 10,657 |
| Total interest expense | $202,000 | 10,670 |
| Net interest income | $372,000 | 10,593 |
| Provision for loan and lease losses | $155,000 | 4,057 |
| Total noninterest income | $17,000 | 10,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,198 |
| Total noninterest expense | $1,033,000 | 8,234 |
| Salaries and employee benefits | $513,000 | 8,513 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $276,000 | 8,581 |
| Pre-tax net operating income | $-799,000 | 10,820 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,000 | 10,009 |
| Income before extraordinary items | $-801,000 | 10,832 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-801,000 | 10,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $4,930,000 | 213 |
| Net operating income | $-801,000 | 10,817 |
* 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.