Home > San Jose National Bank > Income and Expense
San Jose National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,685,000 | 910 |
| Total interest expense | $8,132,000 | 1,102 |
| Net interest income | $22,553,000 | 861 |
| Provision for loan and lease losses | $2,823,000 | 504 |
| Total noninterest income | $2,360,000 | 2,046 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,368,000 | 1,270 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $992,000 | 2,401 |
| Total noninterest expense | $17,851,000 | 901 |
| Salaries and employee benefits | $4,576,000 | 1,880 |
| Premises and equipment expense | $1,185,000 | 1,929 |
| Additional noninterest expense | $12,090,000 | 481 |
| Pre-tax net operating income | $4,239,000 | 1,895 |
| Securities gains (losses) | $731,000 | 591 |
| Applicable income taxes | $1,735,000 | 1,427 |
| Income before extraordinary items | $3,235,000 | 1,912 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,235,000 | 1,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $624,000 | 1,348 |
| Cash dividends | $3,989,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,759,850 | 2,097 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,526,000 | 916 |
| Total interest expense | $6,541,000 | 1,067 |
| Net interest income | $16,985,000 | 859 |
| Provision for loan and lease losses | $2,022,000 | 532 |
| Total noninterest income | $1,647,000 | 2,205 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,021,000 | 1,286 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $626,000 | 2,762 |
| Total noninterest expense | $13,126,000 | 934 |
| Salaries and employee benefits | $3,134,000 | 2,044 |
| Premises and equipment expense | $929,000 | 1,852 |
| Additional noninterest expense | $9,063,000 | 484 |
| Pre-tax net operating income | $3,484,000 | 1,804 |
| Securities gains (losses) | $505,000 | 682 |
| Applicable income taxes | $1,407,000 | 1,418 |
| Income before extraordinary items | $2,582,000 | 1,862 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,582,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 1,021 |
| Cash dividends | $3,003,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,253,750 | 1,986 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,073,000 | 909 |
| Total interest expense | $4,727,000 | 1,017 |
| Net interest income | $11,346,000 | 860 |
| Provision for loan and lease losses | $2,013,000 | 387 |
| Total noninterest income | $1,178,000 | 2,087 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $680,000 | 1,269 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $498,000 | 2,446 |
| Total noninterest expense | $8,298,000 | 991 |
| Salaries and employee benefits | $1,977,000 | 2,148 |
| Premises and equipment expense | $629,000 | 1,811 |
| Additional noninterest expense | $5,692,000 | 513 |
| Pre-tax net operating income | $2,213,000 | 1,872 |
| Securities gains (losses) | $404,000 | 662 |
| Applicable income taxes | $932,000 | 1,445 |
| Income before extraordinary items | $1,685,000 | 1,901 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,685,000 | 1,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 654 |
| Cash dividends | $2,021,000 | 730 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,426,440 | 2,088 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,373,000 | 882 |
| Total interest expense | $2,510,000 | 985 |
| Net interest income | $5,863,000 | 830 |
| Provision for loan and lease losses | $1,608,000 | 280 |
| Total noninterest income | $524,000 | 2,211 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $327,000 | 1,288 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $197,000 | 2,742 |
| Total noninterest expense | $3,844,000 | 1,048 |
| Salaries and employee benefits | $951,000 | 2,211 |
| Premises and equipment expense | $308,000 | 1,854 |
| Additional noninterest expense | $2,585,000 | 546 |
| Pre-tax net operating income | $935,000 | 2,164 |
| Securities gains (losses) | $177,000 | 708 |
| Applicable income taxes | $413,000 | 1,573 |
| Income before extraordinary items | $699,000 | 2,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $699,000 | 2,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $737,000 | 380 |
| Cash dividends | $902,000 | 758 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $585,720 | 2,462 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $46,254,000 | 661 |
| Total interest expense | $13,886,000 | 809 |
| Net interest income | $32,368,000 | 592 |
| Provision for loan and lease losses | $8,344,000 | 270 |
| Total noninterest income | $3,075,000 | 1,530 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,304,000 | 1,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,771,000 | 1,442 |
| Total noninterest expense | $9,748,000 | 1,574 |
| Salaries and employee benefits | $3,717,000 | 2,151 |
| Premises and equipment expense | $1,527,000 | 1,447 |
| Additional noninterest expense | $4,504,000 | 1,100 |
| Pre-tax net operating income | $17,351,000 | 523 |
| Securities gains (losses) | $2,785,000 | 223 |
| Applicable income taxes | $7,503,000 | 442 |
| Income before extraordinary items | $12,633,000 | 532 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,633,000 | 535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,749,000 | 296 |
| Cash dividends | $3,667,000 | 796 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,850,600 | 566 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $50,764,000 | 689 |
| Total interest expense | $17,768,000 | 921 |
| Net interest income | $32,996,000 | 563 |
| Provision for loan and lease losses | $4,820,000 | 365 |
| Total noninterest income | $5,018,000 | 990 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,548,000 | 958 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,470,000 | 848 |
| Total noninterest expense | $32,886,000 | 512 |
| Salaries and employee benefits | $10,155,000 | 738 |
| Premises and equipment expense | $1,663,000 | 1,288 |
| Additional noninterest expense | $21,068,000 | 343 |
| Pre-tax net operating income | $308,000 | 7,379 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $-341,000 | 9,443 |
| Income before extraordinary items | $648,000 | 5,420 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $648,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $748,000 | 1,155 |
| Cash dividends | $1,600,000 | 1,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $649,000 | 5,291 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $55,265,000 | 664 |
| Total interest expense | $21,709,000 | 832 |
| Net interest income | $33,556,000 | 557 |
| Provision for loan and lease losses | $725,000 | 1,372 |
| Total noninterest income | $2,304,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,067,000 | 1,271 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,237,000 | 1,621 |
| Total noninterest expense | $20,128,000 | 746 |
| Salaries and employee benefits | $9,642,000 | 725 |
| Premises and equipment expense | $1,504,000 | 1,375 |
| Additional noninterest expense | $8,982,000 | 627 |
| Pre-tax net operating income | $15,007,000 | 558 |
| Securities gains (losses) | $-602,000 | 9,724 |
| Applicable income taxes | $5,628,000 | 511 |
| Income before extraordinary items | $8,777,000 | 637 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $8,777,000 | 637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-256,000 | 9,843 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,162,280 | 613 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $33,040,000 | 1,000 |
| Total interest expense | $11,149,000 | 1,342 |
| Net interest income | $21,891,000 | 804 |
| Provision for loan and lease losses | $495,000 | 1,787 |
| Total noninterest income | $1,502,000 | 2,301 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $839,000 | 1,570 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $663,000 | 2,461 |
| Total noninterest expense | $12,919,000 | 1,081 |
| Salaries and employee benefits | $7,840,000 | 874 |
| Premises and equipment expense | $915,000 | 2,231 |
| Additional noninterest expense | $4,164,000 | 1,125 |
| Pre-tax net operating income | $9,979,000 | 825 |
| Securities gains (losses) | $-51,000 | 9,796 |
| Applicable income taxes | $4,066,000 | 693 |
| Income before extraordinary items | $5,862,000 | 952 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,862,000 | 952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,445 |
| Cash dividends | $4,278,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,894,640 | 935 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,341,000 | 1,104 |
| Total interest expense | $9,086,000 | 1,693 |
| Net interest income | $20,255,000 | 847 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $1,067,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $659,000 | 1,933 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $408,000 | 3,394 |
| Total noninterest expense | $11,397,000 | 1,156 |
| Salaries and employee benefits | $6,787,000 | 961 |
| Premises and equipment expense | $775,000 | 2,518 |
| Additional noninterest expense | $3,835,000 | 1,166 |
| Pre-tax net operating income | $9,625,000 | 814 |
| Securities gains (losses) | $-4,000 | 10,023 |
| Applicable income taxes | $4,018,000 | 685 |
| Income before extraordinary items | $5,603,000 | 961 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,603,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $4,471,000 | 703 |
| Sale, conversion, retirement of capital stock, net | $611,000 | 536 |
| Net operating income | $5,605,560 | 930 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,247,000 | 1,231 |
| Total interest expense | $8,762,000 | 1,769 |
| Net interest income | $18,485,000 | 967 |
| Provision for loan and lease losses | $705,000 | 1,324 |
| Total noninterest income | $1,125,000 | 2,773 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $607,000 | 2,160 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $518,000 | 2,754 |
| Total noninterest expense | $9,897,000 | 1,331 |
| Salaries and employee benefits | $5,725,000 | 1,148 |
| Premises and equipment expense | $725,000 | 2,648 |
| Additional noninterest expense | $3,447,000 | 1,272 |
| Pre-tax net operating income | $9,008,000 | 896 |
| Securities gains (losses) | $-47,000 | 10,626 |
| Applicable income taxes | $3,802,000 | 759 |
| Income before extraordinary items | $5,159,000 | 1,068 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,159,000 | 1,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,422 |
| Cash dividends | $2,600,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,189,080 | 1,032 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,536,000 | 1,395 |
| Total interest expense | $8,082,000 | 1,939 |
| Net interest income | $16,454,000 | 1,105 |
| Provision for loan and lease losses | $190,000 | 3,537 |
| Total noninterest income | $1,035,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $551,000 | 2,471 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $484,000 | 2,991 |
| Total noninterest expense | $9,628,000 | 1,482 |
| Salaries and employee benefits | $5,517,000 | 1,206 |
| Premises and equipment expense | $701,000 | 2,789 |
| Additional noninterest expense | $3,410,000 | 1,554 |
| Pre-tax net operating income | $7,671,000 | 990 |
| Securities gains (losses) | $-142,000 | 11,262 |
| Applicable income taxes | $3,214,000 | 820 |
| Income before extraordinary items | $4,315,000 | 1,179 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,315,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,320 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,405,880 | 1,137 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,921,000 | 1,621 |
| Total interest expense | $6,706,000 | 2,317 |
| Net interest income | $14,215,000 | 1,269 |
| Provision for loan and lease losses | $1,102,000 | 876 |
| Total noninterest income | $1,137,000 | 2,820 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $553,000 | 2,445 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $584,000 | 2,582 |
| Total noninterest expense | $8,744,000 | 1,625 |
| Salaries and employee benefits | $4,339,000 | 1,532 |
| Premises and equipment expense | $740,000 | 2,663 |
| Additional noninterest expense | $3,665,000 | 1,433 |
| Pre-tax net operating income | $5,506,000 | 1,392 |
| Securities gains (losses) | $-43,000 | 11,086 |
| Applicable income taxes | $2,412,000 | 1,076 |
| Income before extraordinary items | $3,051,000 | 1,665 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,051,000 | 1,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,365 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,078,520 | 1,637 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,790,000 | 2,363 |
| Total interest expense | $3,223,000 | 3,711 |
| Net interest income | $9,567,000 | 1,887 |
| Provision for loan and lease losses | $700,000 | 1,201 |
| Total noninterest income | $842,000 | 3,558 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $403,000 | 3,355 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $439,000 | 3,216 |
| Total noninterest expense | $6,594,000 | 2,143 |
| Salaries and employee benefits | $3,341,000 | 1,994 |
| Premises and equipment expense | $595,000 | 3,293 |
| Additional noninterest expense | $2,658,000 | 2,032 |
| Pre-tax net operating income | $3,115,000 | 2,275 |
| Securities gains (losses) | $-15,000 | 10,127 |
| Applicable income taxes | $1,299,000 | 1,765 |
| Income before extraordinary items | $1,801,000 | 2,688 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,801,000 | 2,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,223,000 | 774 |
| Cash dividends | $900,000 | 2,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,810,600 | 2,691 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,801,000 | 3,496 |
| Total interest expense | $2,024,000 | 5,778 |
| Net interest income | $6,777,000 | 2,655 |
| Provision for loan and lease losses | $650,000 | 1,745 |
| Total noninterest income | $1,046,000 | 3,235 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $326,000 | 4,124 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $720,000 | 2,546 |
| Total noninterest expense | $5,357,000 | 2,669 |
| Salaries and employee benefits | $2,678,000 | 2,480 |
| Premises and equipment expense | $450,000 | 4,270 |
| Additional noninterest expense | $2,229,000 | 2,487 |
| Pre-tax net operating income | $1,816,000 | 3,645 |
| Securities gains (losses) | $-23,000 | 12,945 |
| Applicable income taxes | $707,000 | 3,087 |
| Income before extraordinary items | $1,086,000 | 4,369 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,086,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 4,007 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,100,720 | 4,096 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,668,000 | 4,462 |
| Total interest expense | $2,114,000 | 6,833 |
| Net interest income | $5,554,000 | 3,296 |
| Provision for loan and lease losses | $798,000 | 2,157 |
| Total noninterest income | $831,000 | 3,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 4,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $498,000 | 3,200 |
| Total noninterest expense | $4,734,000 | 3,020 |
| Salaries and employee benefits | $2,294,000 | 2,832 |
| Premises and equipment expense | $433,000 | 4,497 |
| Additional noninterest expense | $2,007,000 | 2,795 |
| Pre-tax net operating income | $853,000 | 6,327 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $271,000 | 6,345 |
| Income before extraordinary items | $585,000 | 6,667 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $585,000 | 6,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,380,000 | 1,267 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $582,960 | 6,336 |
* 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.