Home > The Bank of Rancho Bernardo > Income and Expense
The Bank of Rancho Bernardo, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,886,000 | 6,095 |
| Total interest expense | $1,657,000 | 7,252 |
| Net interest income | $3,229,000 | 5,193 |
| Provision for loan and lease losses | $54,000 | 6,067 |
| Total noninterest income | $548,000 | 4,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $392,000 | 3,347 |
| Total noninterest expense | $2,556,000 | 4,903 |
| Salaries and employee benefits | $1,343,000 | 4,737 |
| Premises and equipment expense | $357,000 | 4,955 |
| Additional noninterest expense | $856,000 | 4,964 |
| Pre-tax net operating income | $1,167,000 | 5,357 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $383,000 | 5,099 |
| Income before extraordinary items | $775,000 | 5,571 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $775,000 | 5,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 11,095 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $781,030 | 5,524 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,277,000 | 6,380 |
| Total interest expense | $1,102,000 | 8,281 |
| Net interest income | $3,175,000 | 5,361 |
| Provision for loan and lease losses | $210,000 | 2,926 |
| Total noninterest income | $375,000 | 6,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 6,007 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,577 |
| Total noninterest expense | $2,475,000 | 5,205 |
| Salaries and employee benefits | $1,199,000 | 5,247 |
| Premises and equipment expense | $348,000 | 5,102 |
| Additional noninterest expense | $928,000 | 5,041 |
| Pre-tax net operating income | $865,000 | 6,564 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $352,000 | 5,249 |
| Income before extraordinary items | $514,000 | 7,200 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $514,000 | 7,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,477 |
| Cash dividends | $18,000 | 8,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $513,360 | 7,243 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 7,462 |
| Total interest expense | $1,051,000 | 8,879 |
| Net interest income | $2,497,000 | 6,550 |
| Provision for loan and lease losses | $177,000 | 4,239 |
| Total noninterest income | $711,000 | 4,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,305 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $474,000 | 3,371 |
| Total noninterest expense | $2,401,000 | 5,442 |
| Salaries and employee benefits | $1,150,000 | 5,430 |
| Premises and equipment expense | $423,000 | 4,485 |
| Additional noninterest expense | $828,000 | 5,765 |
| Pre-tax net operating income | $630,000 | 7,743 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $284,000 | 6,283 |
| Income before extraordinary items | $344,000 | 8,998 |
| Extraordinary gains, net | $66,000 | 1,954 |
| Net income | $416,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 2,327 |
| Cash dividends | $19,000 | 8,722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $345,280 | 8,728 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,041,000 | 7,452 |
| Total interest expense | $1,545,000 | 8,380 |
| Net interest income | $2,496,000 | 6,614 |
| Provision for loan and lease losses | $537,000 | 2,852 |
| Total noninterest income | $495,000 | 5,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,417 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,795 |
| Total noninterest expense | $2,205,000 | 5,909 |
| Salaries and employee benefits | $1,088,000 | 5,631 |
| Premises and equipment expense | $447,000 | 4,382 |
| Additional noninterest expense | $670,000 | 6,953 |
| Pre-tax net operating income | $249,000 | 10,613 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $102,000 | 9,861 |
| Income before extraordinary items | $146,000 | 11,336 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $146,000 | 11,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 2,442 |
| Cash dividends | $83,000 | 6,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $146,640 | 10,987 |
* 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.