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Southern Pacific Bank, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$82,005,000413
Total interest expense$39,850,000332
Net interest income$42,155,000490
Provision for loan and lease losses$65,602,00085
Total noninterest income$7,765,000740
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$-500,0009,332
Additional Noninterest Income$8,265,000490
Total noninterest expense$43,671,000416
Salaries and employee benefits$17,256,000493
Premises and equipment expense$6,969,000361
Additional noninterest expense$19,446,000360
Pre-tax net operating income$-59,353,0009,361
Securities gains (losses)$461,000690
Applicable income taxes$-13,636,0009,348
Income before extraordinary items$-45,256,0009,351
Extraordinary gains, net$070
Net income$-45,256,0009,349
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,856,00063
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-45,610,9709,347
2001-12-31 (YTD Data)Rank
Total interest income$155,524,000289
Total interest expense$93,295,000237
Net interest income$62,229,000342
Provision for loan and lease losses$92,890,00074
Total noninterest income$6,988,000757
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$-5,289,0009,603
Additional Noninterest Income$12,277,000377
Total noninterest expense$63,904,000299
Salaries and employee benefits$22,619,000354
Premises and equipment expense$8,741,000292
Additional noninterest expense$32,544,000265
Pre-tax net operating income$-87,577,0009,625
Securities gains (losses)$183,0001,273
Applicable income taxes$07,903
Income before extraordinary items$-87,394,0009,610
Extraordinary gains, net$0105
Net income$-87,394,0009,609
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,522,00072
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-87,577,0009,610
2000-12-31 (YTD Data)Rank
Total interest income$205,843,000240
Total interest expense$115,120,000235
Net interest income$90,723,000255
Provision for loan and lease losses$168,755,00034
Total noninterest income$3,293,0001,240
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$-5,520,0004,548
Additional Noninterest Income$8,813,000451
Total noninterest expense$51,440,000340
Salaries and employee benefits$24,993,000305
Premises and equipment expense$7,722,000316
Additional noninterest expense$18,725,000364
Pre-tax net operating income$-126,179,0009,915
Securities gains (losses)$1,117,000152
Applicable income taxes$-7,426,0009,891
Income before extraordinary items$-117,636,0009,900
Extraordinary gains, net$038
Net income$-117,636,0009,900
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$132,372,00038
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$14,000,00040
Net operating income$-118,685,9809,900
1999-12-31 (YTD Data)Rank
Total interest income$180,281,000250
Total interest expense$91,951,000242
Net interest income$88,330,000257
Provision for loan and lease losses$31,930,000107
Total noninterest income$14,550,000487
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$262,000102
Additional Noninterest Income$14,288,000369
Total noninterest expense$79,225,000258
Salaries and employee benefits$23,129,000340
Premises and equipment expense$6,651,000361
Additional noninterest expense$49,445,000202
Pre-tax net operating income$-8,275,00010,222
Securities gains (losses)$03,155
Applicable income taxes$-3,306,00010,211
Income before extraordinary items$-4,969,00010,199
Extraordinary gains, net$035
Net income$-4,969,00010,199
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,504,000115
Cash dividends$3,744,000818
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-4,969,00010,195
1998-12-31 (YTD Data)Rank
Total interest income$193,926,000231
Total interest expense$95,186,000222
Net interest income$98,740,000223
Provision for loan and lease losses$12,500,000195
Total noninterest income$24,040,000328
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$-2,539,0004,458
Additional Noninterest Income$26,579,000242
Total noninterest expense$81,912,000256
Salaries and employee benefits$31,719,000244
Premises and equipment expense$7,066,000332
Additional noninterest expense$43,127,000238
Pre-tax net operating income$28,368,000341
Securities gains (losses)$04,449
Applicable income taxes$11,975,000308
Income before extraordinary items$16,393,000386
Extraordinary gains, net$032
Net income$16,393,000386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,891,000169
Cash dividends$4,000,000765
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$16,393,000366
1997-12-31 (YTD Data)Rank
Total interest income$153,857,000282
Total interest expense$80,258,000272
Net interest income$73,599,000290
Provision for loan and lease losses$13,354,000168
Total noninterest income$36,911,000254
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$36,911,000193
Total noninterest expense$42,271,000387
Salaries and employee benefits$21,717,000332
Premises and equipment expense$3,550,000590
Additional noninterest expense$17,004,000378
Pre-tax net operating income$54,885,000218
Securities gains (losses)$-1,546,00010,908
Applicable income taxes$22,515,000208
Income before extraordinary items$30,824,000251
Extraordinary gains, net$044
Net income$30,824,000251
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,227,000175
Cash dividends$18,540,000252
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$31,813,440235
1996-12-31 (YTD Data)Rank
Total interest income$131,184,000352
Total interest expense$72,996,000321
Net interest income$58,188,000390
Provision for loan and lease losses$8,938,000229
Total noninterest income$15,004,000462
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$09,915
Trading account gains and fees$0262
Additional Noninterest Income$15,004,000344
Total noninterest expense$21,846,000734
Salaries and employee benefits$14,055,000511
Premises and equipment expense$1,970,0001,073
Additional noninterest expense$5,821,0001,006
Pre-tax net operating income$42,408,000274
Securities gains (losses)$04,148
Applicable income taxes$18,009,000244
Income before extraordinary items$24,399,000301
Extraordinary gains, net$053
Net income$24,399,000301
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,146,000262
Cash dividends$6,200,000581
Sale, conversion, retirement of capital stock, net$0953
Net operating income$24,399,000295
1995-12-31 (YTD Data)Rank
Total interest income$104,014,000437
Total interest expense$70,610,000345
Net interest income$33,404,000614
Provision for loan and lease losses$5,450,000304
Total noninterest income$17,637,000435
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$010,339
Trading account gains and fees$0522
Additional Noninterest Income$17,637,000314
Total noninterest expense$14,900,0001,010
Salaries and employee benefits$7,385,000924
Premises and equipment expense$1,096,0001,845
Additional noninterest expense$6,419,000923
Pre-tax net operating income$30,691,000350
Securities gains (losses)$03,831
Applicable income taxes$12,938,000316
Income before extraordinary items$17,753,000382
Extraordinary gains, net$065
Net income$17,753,000380
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,095,000446
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$17,753,000381
1994-12-31 (YTD Data)Rank
Total interest income$81,868,000471
Total interest expense$52,828,000357
Net interest income$29,040,000688
Provision for loan and lease losses$5,150,000277
Total noninterest income$9,964,000595
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$010,872
Trading account gains and fees$0475
Additional Noninterest Income$9,964,000417
Total noninterest expense$15,596,000978
Salaries and employee benefits$6,806,000998
Premises and equipment expense$680,0002,889
Additional noninterest expense$8,110,000812
Pre-tax net operating income$18,258,000485
Securities gains (losses)$03,600
Applicable income taxes$7,723,000409
Income before extraordinary items$10,535,000534
Extraordinary gains, net$0249
Net income$10,535,000533
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,351,000735
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$10,535,000540
1993-12-31 (YTD Data)Rank
Total interest income$50,752,000685
Total interest expense$27,290,000566
Net interest income$23,462,000808
Provision for loan and lease losses$2,327,000727
Total noninterest income$1,448,0002,509
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$011,351
Trading account gains and fees$0532
Additional Noninterest Income$1,448,0001,591
Total noninterest expense$6,410,0002,265
Salaries and employee benefits$3,317,0002,012
Premises and equipment expense$289,0006,037
Additional noninterest expense$2,804,0002,017
Pre-tax net operating income$16,173,000481
Securities gains (losses)$212,0001,624
Applicable income taxes$6,559,000445
Income before extraordinary items$9,826,000547
Extraordinary gains, net$03,149
Net income$9,826,000561
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,090,0001,091
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$9,690,320517
1992-12-31 (YTD Data)Rank
Total interest income$33,718,0001,077
Total interest expense$19,690,000923
Net interest income$14,028,0001,318
Provision for loan and lease losses$680,0002,419
Total noninterest income$258,0008,370
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$011,764
Trading account gains and fees$0504
Additional Noninterest Income$258,0004,866
Total noninterest expense$3,049,0004,461
Salaries and employee benefits$1,373,0004,585
Premises and equipment expense$221,0007,368
Additional noninterest expense$1,455,0003,692
Pre-tax net operating income$10,557,000606
Securities gains (losses)$08,369
Applicable income taxes$4,357,000544
Income before extraordinary items$6,200,000768
Extraordinary gains, net$01,422
Net income$6,200,000771
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$154,0004,817
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$450,000580
Net operating income$6,200,000703

* 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.