Home > Rancho Vista National Bank > Income and Expense
Rancho Vista National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,416,000 | 3,435 |
| Total interest expense | $3,516,000 | 4,123 |
| Net interest income | $5,900,000 | 2,954 |
| Provision for loan and lease losses | $109,000 | 5,001 |
| Total noninterest income | $893,000 | 3,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,852 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $570,000 | 2,585 |
| Total noninterest expense | $4,383,000 | 2,893 |
| Salaries and employee benefits | $2,141,000 | 3,090 |
| Premises and equipment expense | $517,000 | 3,600 |
| Additional noninterest expense | $1,725,000 | 2,400 |
| Pre-tax net operating income | $2,301,000 | 3,125 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $899,000 | 2,661 |
| Income before extraordinary items | $1,402,000 | 3,565 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,402,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $2,000 | 7,852 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 786 |
| Net operating income | $1,402,000 | 3,489 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,002,000 | 4,035 |
| Total interest expense | $2,802,000 | 5,072 |
| Net interest income | $5,200,000 | 3,421 |
| Provision for loan and lease losses | $195,000 | 3,475 |
| Total noninterest income | $951,000 | 3,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $603,000 | 2,562 |
| Total noninterest expense | $4,366,000 | 3,098 |
| Salaries and employee benefits | $2,077,000 | 3,217 |
| Premises and equipment expense | $614,000 | 3,132 |
| Additional noninterest expense | $1,675,000 | 2,845 |
| Pre-tax net operating income | $1,590,000 | 4,139 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $615,000 | 3,513 |
| Income before extraordinary items | $975,000 | 4,601 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $975,000 | 4,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $2,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 753 |
| Net operating income | $975,000 | 4,541 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,145,000 | 3,946 |
| Total interest expense | $2,552,000 | 5,470 |
| Net interest income | $5,593,000 | 3,180 |
| Provision for loan and lease losses | $461,000 | 1,680 |
| Total noninterest income | $2,032,000 | 1,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $404,000 | 3,335 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,628,000 | 1,309 |
| Total noninterest expense | $6,062,000 | 2,245 |
| Salaries and employee benefits | $2,615,000 | 2,553 |
| Premises and equipment expense | $818,000 | 2,435 |
| Additional noninterest expense | $2,629,000 | 1,898 |
| Pre-tax net operating income | $1,102,000 | 5,594 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $295,000 | 6,065 |
| Income before extraordinary items | $807,000 | 5,417 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $807,000 | 5,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 1,197 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $807,000 | 5,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,583,000 | 3,926 |
| Total interest expense | $2,012,000 | 5,591 |
| Net interest income | $5,571,000 | 3,220 |
| Provision for loan and lease losses | $491,000 | 1,566 |
| Total noninterest income | $2,616,000 | 1,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $465,000 | 2,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,151,000 | 1,075 |
| Total noninterest expense | $7,603,000 | 1,900 |
| Salaries and employee benefits | $3,187,000 | 2,074 |
| Premises and equipment expense | $929,000 | 2,176 |
| Additional noninterest expense | $3,487,000 | 1,595 |
| Pre-tax net operating income | $93,000 | 11,672 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $93,000 | 11,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $93,000 | 11,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,887 |
| Cash dividends | $1,000 | 8,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $93,000 | 11,492 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 5,034 |
| Total interest expense | $1,693,000 | 6,648 |
| Net interest income | $4,190,000 | 4,223 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $3,223,000 | 1,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $494,000 | 2,828 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,729,000 | 1,029 |
| Total noninterest expense | $7,387,000 | 1,991 |
| Salaries and employee benefits | $2,935,000 | 2,266 |
| Premises and equipment expense | $912,000 | 2,245 |
| Additional noninterest expense | $3,540,000 | 1,669 |
| Pre-tax net operating income | $2,000 | 12,382 |
| Securities gains (losses) | $30,000 | 4,104 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $32,000 | 12,365 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $32,000 | 12,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,386 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,121 |
| Net operating income | $2,000 | 12,382 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,204,000 | 5,341 |
| Total interest expense | $1,910,000 | 7,322 |
| Net interest income | $4,294,000 | 4,181 |
| Provision for loan and lease losses | $619,000 | 2,576 |
| Total noninterest income | $6,289,000 | 830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 3,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,827,000 | 604 |
| Total noninterest expense | $9,128,000 | 1,662 |
| Salaries and employee benefits | $3,083,000 | 2,130 |
| Premises and equipment expense | $898,000 | 2,315 |
| Additional noninterest expense | $5,147,000 | 1,283 |
| Pre-tax net operating income | $836,000 | 6,402 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $356,000 | 5,267 |
| Income before extraordinary items | $499,000 | 7,346 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $499,000 | 7,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 2,845 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 938 |
| Net operating income | $486,840 | 7,076 |
* 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.