Home > San Benito Bank > Income and Expense
San Benito Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,206,000 | 2,292 |
| Total interest expense | $4,619,000 | 3,142 |
| Net interest income | $9,587,000 | 1,821 |
| Provision for loan and lease losses | $700,000 | 1,317 |
| Total noninterest income | $1,750,000 | 2,045 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $705,000 | 1,885 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,045,000 | 1,808 |
| Total noninterest expense | $7,193,000 | 1,908 |
| Salaries and employee benefits | $3,883,000 | 1,791 |
| Premises and equipment expense | $1,226,000 | 1,666 |
| Additional noninterest expense | $2,084,000 | 2,089 |
| Pre-tax net operating income | $3,444,000 | 2,135 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $1,203,000 | 1,920 |
| Income before extraordinary items | $2,259,000 | 2,305 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,259,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,032 |
| Cash dividends | $496,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $783,000 | 550 |
| Net operating income | $2,247,300 | 2,288 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,024,000 | 2,700 |
| Total interest expense | $4,147,000 | 3,561 |
| Net interest income | $7,877,000 | 2,161 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $1,238,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $638,000 | 2,016 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $600,000 | 2,650 |
| Total noninterest expense | $6,012,000 | 2,170 |
| Salaries and employee benefits | $3,196,000 | 2,117 |
| Premises and equipment expense | $1,103,000 | 1,785 |
| Additional noninterest expense | $1,713,000 | 2,431 |
| Pre-tax net operating income | $2,913,000 | 2,451 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $995,000 | 2,323 |
| Income before extraordinary items | $1,932,000 | 2,635 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,932,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,649 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 747 |
| Net operating income | $1,922,760 | 2,564 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,016,000 | 3,230 |
| Total interest expense | $3,135,000 | 4,540 |
| Net interest income | $6,881,000 | 2,525 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $934,000 | 3,216 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $557,000 | 2,356 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $377,000 | 3,416 |
| Total noninterest expense | $5,037,000 | 2,550 |
| Salaries and employee benefits | $2,654,000 | 2,499 |
| Premises and equipment expense | $776,000 | 2,487 |
| Additional noninterest expense | $1,607,000 | 2,553 |
| Pre-tax net operating income | $2,578,000 | 2,838 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $830,000 | 2,844 |
| Income before extraordinary items | $1,754,000 | 2,900 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,754,000 | 2,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,597 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 938 |
| Net operating income | $1,749,920 | 2,856 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,553,000 | 3,791 |
| Total interest expense | $2,616,000 | 5,337 |
| Net interest income | $5,937,000 | 2,983 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $740,000 | 3,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $518,000 | 2,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,890 |
| Total noninterest expense | $4,196,000 | 3,201 |
| Salaries and employee benefits | $2,201,000 | 3,038 |
| Premises and equipment expense | $708,000 | 2,762 |
| Additional noninterest expense | $1,287,000 | 3,562 |
| Pre-tax net operating income | $2,381,000 | 2,912 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $792,000 | 2,871 |
| Income before extraordinary items | $1,614,000 | 2,981 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,614,000 | 2,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,201 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 837 |
| Net operating income | $1,597,250 | 2,978 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,832,000 | 4,089 |
| Total interest expense | $2,732,000 | 5,173 |
| Net interest income | $5,100,000 | 3,466 |
| Provision for loan and lease losses | $130,000 | 3,931 |
| Total noninterest income | $692,000 | 4,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $465,000 | 2,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,758 |
| Total noninterest expense | $3,718,000 | 3,544 |
| Salaries and employee benefits | $1,960,000 | 3,368 |
| Premises and equipment expense | $582,000 | 3,288 |
| Additional noninterest expense | $1,176,000 | 3,803 |
| Pre-tax net operating income | $1,944,000 | 3,582 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $655,000 | 3,422 |
| Income before extraordinary items | $1,289,000 | 3,710 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,289,000 | 3,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 675 |
| Net operating income | $1,289,000 | 3,690 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,482,000 | 4,532 |
| Total interest expense | $1,952,000 | 5,717 |
| Net interest income | $4,530,000 | 3,904 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $590,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $386,000 | 3,497 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 5,199 |
| Total noninterest expense | $3,062,000 | 4,335 |
| Salaries and employee benefits | $1,660,000 | 3,912 |
| Premises and equipment expense | $386,000 | 4,731 |
| Additional noninterest expense | $1,016,000 | 4,656 |
| Pre-tax net operating income | $1,878,000 | 3,622 |
| Securities gains (losses) | $-42,000 | 10,903 |
| Applicable income taxes | $630,000 | 3,361 |
| Income before extraordinary items | $1,206,000 | 3,840 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,206,000 | 3,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,490 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 866 |
| Net operating income | $1,233,720 | 3,791 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,850,000 | 5,061 |
| Total interest expense | $1,840,000 | 6,241 |
| Net interest income | $4,010,000 | 4,388 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $634,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,602 |
| Total noninterest expense | $2,940,000 | 4,599 |
| Salaries and employee benefits | $1,536,000 | 4,181 |
| Premises and equipment expense | $381,000 | 4,908 |
| Additional noninterest expense | $1,023,000 | 4,822 |
| Pre-tax net operating income | $1,574,000 | 4,139 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $511,000 | 4,105 |
| Income before extraordinary items | $1,063,000 | 4,451 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,063,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,247 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 13,141 |
| Net operating income | $1,063,000 | 4,221 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,497,000 | 5,897 |
| Total interest expense | $2,234,000 | 6,549 |
| Net interest income | $3,263,000 | 5,319 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $615,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,709 |
| Total noninterest expense | $2,643,000 | 5,048 |
| Salaries and employee benefits | $1,343,000 | 4,683 |
| Premises and equipment expense | $392,000 | 4,871 |
| Additional noninterest expense | $908,000 | 5,481 |
| Pre-tax net operating income | $1,035,000 | 5,495 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $324,000 | 5,641 |
| Income before extraordinary items | $711,000 | 5,846 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $711,000 | 5,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,041 |
| Net operating income | $711,000 | 5,517 |
* 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.