Home > Sequoia National Bank > Income and Expense

Sequoia National Bank, Income and Expense

2005-03-31 (YTD Data)		Rank
Total interest income	$849,000	6,214
Total interest expense	$225,000	6,232
Net interest income	$624,000	6,103
Provision for loan and lease losses	$0	6,226
Total noninterest income	$73,000	6,353
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$19,000	6,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$54,000	5,007
Total noninterest expense	$672,000	5,143
Salaries and employee benefits	$201,000	6,964
Premises and equipment expense	$96,000	5,017
Additional noninterest expense	$375,000	3,185
Pre-tax net operating income	$25,000	8,202
Securities gains (losses)	$0	1,685
Applicable income taxes	$1,000	6,740
Income before extraordinary items	$24,000	8,186
Extraordinary gains, net	$0	24
Net income	$24,000	8,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$24,000	8,163
2004-12-31 (YTD Data)		Rank
Total interest income	$3,357,000	6,085
Total interest expense	$869,000	6,040
Net interest income	$2,488,000	6,021
Provision for loan and lease losses	$0	7,314
Total noninterest income	$349,000	6,083
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$80,000	6,764
Trading account gains and fees	$0	138
Additional Noninterest Income	$269,000	4,486
Total noninterest expense	$2,596,000	5,165
Salaries and employee benefits	$987,000	6,312
Premises and equipment expense	$410,000	4,679
Additional noninterest expense	$1,199,000	3,749
Pre-tax net operating income	$241,000	7,639
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,000	7,085
Income before extraordinary items	$240,000	7,460
Extraordinary gains, net	$0	34
Net income	$240,000	7,460
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$240,000	7,413
2004-09-30 (YTD Data)		Rank
Total interest income	$2,445,000	6,185
Total interest expense	$645,000	6,060
Net interest income	$1,800,000	6,136
Provision for loan and lease losses	$0	7,100
Total noninterest income	$307,000	5,760
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$58,000	6,852
Trading account gains and fees	$0	134
Additional Noninterest Income	$249,000	4,074
Total noninterest expense	$1,977,000	5,074
Salaries and employee benefits	$767,000	6,162
Premises and equipment expense	$305,000	4,702
Additional noninterest expense	$905,000	3,699
Pre-tax net operating income	$130,000	7,996
Securities gains (losses)	$0	3,710
Applicable income taxes	$1,000	7,130
Income before extraordinary items	$129,000	7,919
Extraordinary gains, net	$0	26
Net income	$129,000	7,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$129,000	7,866
2004-06-30 (YTD Data)		Rank
Total interest income	$1,608,000	6,241
Total interest expense	$435,000	6,050
Net interest income	$1,173,000	6,219
Provision for loan and lease losses	$0	6,885
Total noninterest income	$88,000	7,448
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$37,000	6,947
Trading account gains and fees	$0	130
Additional Noninterest Income	$51,000	6,396
Total noninterest expense	$1,333,000	5,049
Salaries and employee benefits	$538,000	6,033
Premises and equipment expense	$204,000	4,697
Additional noninterest expense	$591,000	3,793
Pre-tax net operating income	$-72,000	8,656
Securities gains (losses)	$0	3,413
Applicable income taxes	$1,000	7,109
Income before extraordinary items	$-73,000	8,690
Extraordinary gains, net	$0	21
Net income	$-73,000	8,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-73,000	8,658
2004-03-31 (YTD Data)		Rank
Total interest income	$798,000	6,274
Total interest expense	$219,000	6,090
Net interest income	$579,000	6,260
Provision for loan and lease losses	$0	6,501
Total noninterest income	$33,000	7,851
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$21,000	6,734
Trading account gains and fees	$0	121
Additional Noninterest Income	$12,000	7,544
Total noninterest expense	$657,000	5,133
Salaries and employee benefits	$309,000	5,659
Premises and equipment expense	$99,000	4,820
Additional noninterest expense	$249,000	4,333
Pre-tax net operating income	$-45,000	8,715
Securities gains (losses)	$0	2,934
Applicable income taxes	$1,000	6,972
Income before extraordinary items	$-46,000	8,750
Extraordinary gains, net	$0	16
Net income	$-46,000	8,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-46,000	8,712
2003-12-31 (YTD Data)		Rank
Total interest income	$2,613,000	6,919
Total interest expense	$823,000	6,639
Net interest income	$1,790,000	6,914
Provision for loan and lease losses	$0	7,651
Total noninterest income	$273,000	6,787
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$63,000	7,221
Trading account gains and fees	$0	160
Additional Noninterest Income	$210,000	5,193
Total noninterest expense	$2,966,000	4,632
Salaries and employee benefits	$1,353,000	5,203
Premises and equipment expense	$435,000	4,462
Additional noninterest expense	$1,178,000	3,778
Pre-tax net operating income	$-903,000	8,948
Securities gains (losses)	$9,000	3,670
Applicable income taxes	$10,000	7,040
Income before extraordinary items	$-904,000	9,015
Extraordinary gains, net	$0	54
Net income	$-904,000	9,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-913,000	8,971
2003-09-30 (YTD Data)		Rank
Total interest income	$1,930,000	7,042
Total interest expense	$603,000	6,842
Net interest income	$1,327,000	6,996
Provision for loan and lease losses	$0	7,481
Total noninterest income	$243,000	6,482
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$51,000	7,191
Trading account gains and fees	$0	153
Additional Noninterest Income	$192,000	4,884
Total noninterest expense	$2,303,000	4,520
Salaries and employee benefits	$1,052,000	5,074
Premises and equipment expense	$335,000	4,389
Additional noninterest expense	$916,000	3,663
Pre-tax net operating income	$-733,000	9,025
Securities gains (losses)	$9,000	3,379
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-725,000	9,085
Extraordinary gains, net	$0	40
Net income	$-725,000	9,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-734,000	9,036
2003-06-30 (YTD Data)		Rank
Total interest income	$1,277,000	7,110
Total interest expense	$382,000	7,091
Net interest income	$895,000	6,966
Provision for loan and lease losses	$0	7,324
Total noninterest income	$107,000	7,271
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$38,000	7,025
Trading account gains and fees	$0	150
Additional Noninterest Income	$69,000	6,016
Total noninterest expense	$1,639,000	4,317
Salaries and employee benefits	$749,000	4,844
Premises and equipment expense	$232,000	4,282
Additional noninterest expense	$658,000	3,413
Pre-tax net operating income	$-637,000	9,114
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-637,000	9,164
Extraordinary gains, net	$0	30
Net income	$-637,000	9,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-637,000	9,112
2003-03-31 (YTD Data)		Rank
Total interest income	$636,000	7,166
Total interest expense	$202,000	7,045
Net interest income	$434,000	7,063
Provision for loan and lease losses	$0	6,934
Total noninterest income	$40,000	7,748
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$19,000	6,970
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	6,840
Total noninterest expense	$693,000	4,829
Salaries and employee benefits	$321,000	5,412
Premises and equipment expense	$119,000	4,200
Additional noninterest expense	$253,000	4,171
Pre-tax net operating income	$-219,000	9,104
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-219,000	9,151
Extraordinary gains, net	$0	21
Net income	$-219,000	9,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-219,000	9,092
2002-12-31 (YTD Data)		Rank
Total interest income	$3,259,000	6,578
Total interest expense	$1,086,000	6,710
Net interest income	$2,173,000	6,375
Provision for loan and lease losses	$150,000	4,907
Total noninterest income	$693,000	4,364
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$73,000	7,070
Trading account gains and fees	$0	153
Additional Noninterest Income	$620,000	2,908
Total noninterest expense	$2,729,000	4,772
Salaries and employee benefits	$1,209,000	5,458
Premises and equipment expense	$426,000	4,429
Additional noninterest expense	$1,094,000	3,902
Pre-tax net operating income	$-13,000	8,663
Securities gains (losses)	$35,000	2,707
Applicable income taxes	$0	7,681
Income before extraordinary items	$22,000	8,662
Extraordinary gains, net	$0	70
Net income	$22,000	8,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,736
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$2,198,000	275
Net operating income	$-13,000	8,668
2001-12-31 (YTD Data)		Rank
Total interest income	$2,945,000	7,307
Total interest expense	$1,107,000	7,803
Net interest income	$1,838,000	6,726
Provision for loan and lease losses	$319,000	3,086
Total noninterest income	$110,000	8,362
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$69,000	7,188
Trading account gains and fees	$0	177
Additional Noninterest Income	$41,000	7,974
Total noninterest expense	$1,920,000	5,891
Salaries and employee benefits	$890,000	6,412
Premises and equipment expense	$386,000	4,702
Additional noninterest expense	$644,000	5,581
Pre-tax net operating income	$-291,000	9,020
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,000	7,858
Income before extraordinary items	$-292,000	9,116
Extraordinary gains, net	$0	105
Net income	$-292,000	9,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,589
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,904,000	325
Net operating income	$-292,000	9,062
2000-12-31 (YTD Data)		Rank
Total interest income	$2,031,000	8,378
Total interest expense	$775,000	8,696
Net interest income	$1,256,000	7,948
Provision for loan and lease losses	$134,000	4,637
Total noninterest income	$83,000	8,830
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	7,374
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	8,890
Total noninterest expense	$1,527,000	6,687
Salaries and employee benefits	$709,000	7,162
Premises and equipment expense	$355,000	4,888
Additional noninterest expense	$463,000	6,683
Pre-tax net operating income	$-322,000	9,432
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,000	8,314
Income before extraordinary items	$-323,000	9,462
Extraordinary gains, net	$0	38
Net income	$-323,000	9,461
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,361
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-323,000	9,464
1999-12-31 (YTD Data)		Rank
Total interest income	$1,370,000	9,231
Total interest expense	$448,000	9,550
Net interest income	$922,000	8,806
Provision for loan and lease losses	$57,000	6,356
Total noninterest income	$193,000	7,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,501
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	5,980
Total noninterest expense	$1,179,000	7,617
Salaries and employee benefits	$473,000	8,490
Premises and equipment expense	$296,000	5,501
Additional noninterest expense	$410,000	7,182
Pre-tax net operating income	$-121,000	9,552
Securities gains (losses)	$-3,000	8,917
Applicable income taxes	$1,000	8,717
Income before extraordinary items	$-125,000	9,598
Extraordinary gains, net	$0	35
Net income	$-125,000	9,596
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,085
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-122,000	9,572
1998-12-31 (YTD Data)		Rank
Total interest income	$979,000	9,875
Total interest expense	$386,000	9,916
Net interest income	$593,000	9,757
Provision for loan and lease losses	$26,000	7,477
Total noninterest income	$130,000	8,543
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	7,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	7,479
Total noninterest expense	$1,039,000	7,990
Salaries and employee benefits	$370,000	9,157
Premises and equipment expense	$240,000	6,105
Additional noninterest expense	$429,000	6,987
Pre-tax net operating income	$-342,000	10,103
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,000	9,299
Income before extraordinary items	$-343,000	10,154
Extraordinary gains, net	$0	32
Net income	$-343,000	10,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$3,582,000	300
Net operating income	$-343,000	10,127
1997-12-31 (YTD Data)		Rank
Total interest income	$825,000	10,461
Total interest expense	$377,000	10,377
Net interest income	$448,000	10,485
Provision for loan and lease losses	$-294,000	10,848
Total noninterest income	$332,000	6,318
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	8,373
Trading account gains and fees	NA	NA
Additional Noninterest Income	$280,000	4,088
Total noninterest expense	$1,277,000	7,419
Salaries and employee benefits	$362,000	9,515
Premises and equipment expense	$226,000	6,405
Additional noninterest expense	$689,000	5,283
Pre-tax net operating income	$-203,000	10,568
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,000	10,030
Income before extraordinary items	$-204,000	10,613
Extraordinary gains, net	$0	44
Net income	$-204,000	10,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-219,000	10,828
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$637,000	505
Net operating income	$-204,000	10,586
1996-12-31 (YTD Data)		Rank
Total interest income	$1,080,000	10,707
Total interest expense	$573,000	10,364
Net interest income	$507,000	10,877
Provision for loan and lease losses	$-56,000	11,215
Total noninterest income	$83,000	10,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	8,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	10,461
Total noninterest expense	$1,007,000	8,645
Salaries and employee benefits	$371,000	9,806
Premises and equipment expense	$221,000	6,672
Additional noninterest expense	$415,000	7,761
Pre-tax net operating income	$-361,000	11,171
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,000	10,529
Income before extraordinary items	$-362,000	11,218
Extraordinary gains, net	$0	53
Net income	$-362,000	11,217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-362,000	11,190
1995-12-31 (YTD Data)		Rank
Total interest income	$1,336,000	10,784
Total interest expense	$764,000	10,073
Net interest income	$572,000	11,213
Provision for loan and lease losses	$0	8,958
Total noninterest income	$143,000	9,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	8,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,059
Total noninterest expense	$970,000	9,080
Salaries and employee benefits	$431,000	9,684
Premises and equipment expense	$230,000	6,662
Additional noninterest expense	$309,000	9,158
Pre-tax net operating income	$-255,000	11,702
Securities gains (losses)	$0	3,831
Applicable income taxes	$1,000	11,102
Income before extraordinary items	$-256,000	11,712
Extraordinary gains, net	$0	65
Net income	$-256,000	11,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-256,000	11,698
1994-12-31 (YTD Data)		Rank
Total interest income	$1,440,000	10,852
Total interest expense	$731,000	9,922
Net interest income	$709,000	11,349
Provision for loan and lease losses	$-145,000	12,253
Total noninterest income	$85,000	11,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	9,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	10,157
Total noninterest expense	$1,250,000	8,422
Salaries and employee benefits	$468,000	9,681
Premises and equipment expense	$234,000	6,793
Additional noninterest expense	$548,000	7,436
Pre-tax net operating income	$-311,000	12,316
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,000	11,577
Income before extraordinary items	$-312,000	12,286
Extraordinary gains, net	$0	249
Net income	$-312,000	12,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,150
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-312,000	12,299
1993-12-31 (YTD Data)		Rank
Total interest income	$2,147,000	9,897
Total interest expense	$1,307,000	7,850
Net interest income	$840,000	11,374
Provision for loan and lease losses	$-100,000	12,888
Total noninterest income	$68,000	12,120
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	11,051
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	10,096
Total noninterest expense	$1,489,000	7,873
Salaries and employee benefits	$577,000	9,000
Premises and equipment expense	$236,000	6,969
Additional noninterest expense	$676,000	6,742
Pre-tax net operating income	$-481,000	12,846
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$-482,000	12,888
Extraordinary gains, net	$0	3,149
Net income	$-482,000	12,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-482,000	12,830
1992-12-31 (YTD Data)		Rank
Total interest income	$3,195,000	8,645
Total interest expense	$2,045,000	7,014
Net interest income	$1,150,000	10,509
Provision for loan and lease losses	$645,000	2,503
Total noninterest income	$95,000	11,854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	11,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	8,855
Total noninterest expense	$2,000,000	6,384
Salaries and employee benefits	$655,000	8,348
Premises and equipment expense	$239,000	6,988
Additional noninterest expense	$1,106,000	4,668
Pre-tax net operating income	$-1,400,000	13,561
Securities gains (losses)	$0	8,369
Applicable income taxes	$-48,000	13,501
Income before extraordinary items	$-1,352,000	13,600
Extraordinary gains, net	$0	1,422
Net income	$-1,352,000	13,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$692,000	1,990
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-1,352,000	13,542

* 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.