Home > The Bank of San Ramon Valley > Income and Expense
The Bank of San Ramon Valley, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,702,000 | 5,371 |
| Total interest expense | $1,529,000 | 7,502 |
| Net interest income | $4,173,000 | 4,177 |
| Provision for loan and lease losses | $870,000 | 1,136 |
| Total noninterest income | $446,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $285,000 | 4,383 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $161,000 | 5,764 |
| Total noninterest expense | $2,267,000 | 5,409 |
| Salaries and employee benefits | $935,000 | 6,288 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $930,000 | 4,645 |
| Pre-tax net operating income | $1,482,000 | 4,378 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $624,000 | 3,475 |
| Income before extraordinary items | $865,000 | 5,005 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $865,000 | 5,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $860,520 | 4,976 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,352,000 | 3,866 |
| Total interest expense | $2,535,000 | 5,501 |
| Net interest income | $5,817,000 | 3,058 |
| Provision for loan and lease losses | $140,000 | 3,774 |
| Total noninterest income | $757,000 | 3,840 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,328 |
| Total noninterest expense | $4,262,000 | 3,140 |
| Salaries and employee benefits | $1,620,000 | 4,006 |
| Premises and equipment expense | $796,000 | 2,485 |
| Additional noninterest expense | $1,846,000 | 2,585 |
| Pre-tax net operating income | $2,172,000 | 3,246 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $864,000 | 2,695 |
| Income before extraordinary items | $1,308,000 | 3,661 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,308,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $543,000 | 3,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,308,000 | 3,638 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,027,000 | 4,850 |
| Total interest expense | $1,349,000 | 7,400 |
| Net interest income | $4,678,000 | 3,789 |
| Provision for loan and lease losses | $115,000 | 4,257 |
| Total noninterest income | $635,000 | 4,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $447,000 | 3,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,477 |
| Total noninterest expense | $3,727,000 | 3,639 |
| Salaries and employee benefits | $1,425,000 | 4,485 |
| Premises and equipment expense | $665,000 | 2,961 |
| Additional noninterest expense | $1,637,000 | 3,071 |
| Pre-tax net operating income | $1,471,000 | 4,485 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $541,000 | 3,815 |
| Income before extraordinary items | $930,000 | 4,774 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $930,000 | 4,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,076 |
| Cash dividends | $327,000 | 4,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $930,000 | 4,824 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,030,000 | 5,756 |
| Total interest expense | $1,234,000 | 8,132 |
| Net interest income | $3,796,000 | 4,615 |
| Provision for loan and lease losses | $220,000 | 3,693 |
| Total noninterest income | $437,000 | 6,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $3,231,000 | 4,218 |
| Salaries and employee benefits | $1,174,000 | 5,326 |
| Premises and equipment expense | $555,000 | 3,549 |
| Additional noninterest expense | $1,502,000 | 3,501 |
| Pre-tax net operating income | $782,000 | 6,910 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $244,000 | 6,893 |
| Income before extraordinary items | $548,000 | 7,159 |
| Extraordinary gains, net | $40,000 | 2,305 |
| Net income | $588,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 4,115 |
| Cash dividends | $84,000 | 7,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $541,100 | 6,969 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 6,180 |
| Total interest expense | $1,762,000 | 7,730 |
| Net interest income | $3,439,000 | 5,083 |
| Provision for loan and lease losses | $330,000 | 3,911 |
| Total noninterest income | $429,000 | 6,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,932 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,805 |
| Total noninterest expense | $3,483,000 | 3,946 |
| Salaries and employee benefits | $1,197,000 | 5,171 |
| Premises and equipment expense | $560,000 | 3,593 |
| Additional noninterest expense | $1,726,000 | 3,171 |
| Pre-tax net operating income | $55,000 | 12,384 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $-55,000 | 13,515 |
| Income before extraordinary items | $145,000 | 11,347 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $145,000 | 11,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 3,517 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $110,000 | 11,494 |
* 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.