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Southern California Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$70,825,000526
Total interest expense$17,945,000883
Net interest income$52,880,000388
Provision for loan and lease losses$525,0001,654
Total noninterest income$7,898,000695
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$4,054,000327
Trading account gains and fees$0224
Additional Noninterest Income$3,844,000771
Total noninterest expense$31,978,000506
Salaries and employee benefits$16,344,000445
Premises and equipment expense$5,401,000414
Additional noninterest expense$10,233,000580
Pre-tax net operating income$28,275,000344
Securities gains (losses)$863,000418
Applicable income taxes$12,301,000302
Income before extraordinary items$16,837,000378
Extraordinary gains, net$032
Net income$16,837,000378
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,526,000410
Cash dividends$17,400,000268
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$16,284,680368
1997-12-31 (YTD Data)Rank
Total interest income$72,810,000516
Total interest expense$20,630,000809
Net interest income$52,180,000397
Provision for loan and lease losses$1,900,000612
Total noninterest income$8,411,000641
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$4,853,000289
Trading account gains and fees$0239
Additional Noninterest Income$3,558,000759
Total noninterest expense$41,737,000390
Salaries and employee benefits$18,464,000382
Premises and equipment expense$6,421,000356
Additional noninterest expense$16,852,000384
Pre-tax net operating income$16,954,000521
Securities gains (losses)$5,0002,787
Applicable income taxes$7,294,000466
Income before extraordinary items$9,665,000612
Extraordinary gains, net$044
Net income$9,665,000612
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,750,000543
Cash dividends$12,000,000325
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$9,661,800592
1996-12-31 (YTD Data)Rank
Total interest income$34,968,0001,005
Total interest expense$11,614,0001,394
Net interest income$23,354,000798
Provision for loan and lease losses$-470,00011,386
Total noninterest income$5,266,000920
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$3,560,000417
Trading account gains and fees$0262
Additional Noninterest Income$1,706,0001,294
Total noninterest expense$20,972,000755
Salaries and employee benefits$10,123,000693
Premises and equipment expense$4,056,000558
Additional noninterest expense$6,793,000914
Pre-tax net operating income$8,118,000948
Securities gains (losses)$14,0002,256
Applicable income taxes$3,394,000786
Income before extraordinary items$4,738,0001,092
Extraordinary gains, net$053
Net income$4,738,0001,093
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$317,0001,989
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,729,0401,075
1995-12-31 (YTD Data)Rank
Total interest income$33,360,0001,057
Total interest expense$11,475,0001,417
Net interest income$21,885,000865
Provision for loan and lease losses$1,538,000700
Total noninterest income$5,980,000846
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$3,644,000425
Trading account gains and fees$0522
Additional Noninterest Income$2,336,0001,025
Total noninterest expense$23,906,000684
Salaries and employee benefits$10,382,000676
Premises and equipment expense$5,127,000478
Additional noninterest expense$8,397,000769
Pre-tax net operating income$2,421,0002,941
Securities gains (losses)$-620,00011,828
Applicable income taxes$792,0002,894
Income before extraordinary items$1,009,0004,580
Extraordinary gains, net$065
Net income$1,009,0004,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,739,000627
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,405,8003,414
1994-12-31 (YTD Data)Rank
Total interest income$26,354,0001,192
Total interest expense$6,371,0001,957
Net interest income$19,983,000928
Provision for loan and lease losses$-850,00012,520
Total noninterest income$6,740,000768
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$4,222,000368
Trading account gains and fees$0475
Additional Noninterest Income$2,518,000982
Total noninterest expense$23,676,000706
Salaries and employee benefits$9,508,000732
Premises and equipment expense$4,678,000510
Additional noninterest expense$9,490,000730
Pre-tax net operating income$3,897,0001,827
Securities gains (losses)$17,0001,895
Applicable income taxes$1,162,0001,944
Income before extraordinary items$2,752,0001,771
Extraordinary gains, net$0249
Net income$2,752,0001,770
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,632,000311
Cash dividends$163,0005,898
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,740,1001,787
1993-12-31 (YTD Data)Rank
Total interest income$29,629,0001,069
Total interest expense$9,617,0001,397
Net interest income$20,012,000926
Provision for loan and lease losses$11,750,000249
Total noninterest income$6,952,000772
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$4,623,000339
Trading account gains and fees$0532
Additional Noninterest Income$2,329,0001,145
Total noninterest expense$25,823,000688
Salaries and employee benefits$10,554,000685
Premises and equipment expense$4,962,000496
Additional noninterest expense$10,307,000745
Pre-tax net operating income$-10,609,00013,234
Securities gains (losses)$7,031,000116
Applicable income taxes$-1,026,00013,182
Income before extraordinary items$-2,552,00013,113
Extraordinary gains, net$-41,00012,667
Net income$-2,593,00013,115
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,809,000302
Cash dividends$139,0006,283
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-7,544,01013,179
1992-12-31 (YTD Data)Rank
Total interest income$35,809,0001,032
Total interest expense$13,665,0001,293
Net interest income$22,144,000858
Provision for loan and lease losses$9,071,000394
Total noninterest income$5,745,000889
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$3,711,000395
Trading account gains and fees$0504
Additional Noninterest Income$2,034,0001,225
Total noninterest expense$23,747,000737
Salaries and employee benefits$9,969,000703
Premises and equipment expense$4,734,000535
Additional noninterest expense$9,044,000836
Pre-tax net operating income$-4,929,00013,784
Securities gains (losses)$2,395,000356
Applicable income taxes$-1,131,00013,838
Income before extraordinary items$-1,403,00013,608
Extraordinary gains, net$01,422
Net income$-1,403,00013,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,787,000429
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-2,935,80013,696

* 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.