Home > The Pacific Bank > Income and Expense
The Pacific Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $54,852,000 | 636 |
| Total interest expense | $18,519,000 | 852 |
| Net interest income | $36,333,000 | 534 |
| Provision for loan and lease losses | $7,213,000 | 246 |
| Total noninterest income | $8,399,000 | 682 |
| Gross Fiduciary activities income | $2,540,000 | 284 |
| Service charges on deposit accounts | $1,854,000 | 717 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,005,000 | 745 |
| Total noninterest expense | $32,215,000 | 514 |
| Salaries and employee benefits | $17,998,000 | 419 |
| Premises and equipment expense | $5,424,000 | 424 |
| Additional noninterest expense | $8,793,000 | 661 |
| Pre-tax net operating income | $5,304,000 | 1,433 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,574,000 | 1,530 |
| Income before extraordinary items | $3,730,000 | 1,435 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,730,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,756,000 | 209 |
| Cash dividends | $1,200,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $-9,134,000 | 10,212 |
| Net operating income | $3,730,000 | 1,413 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $52,448,000 | 654 |
| Total interest expense | $18,453,000 | 860 |
| Net interest income | $33,995,000 | 548 |
| Provision for loan and lease losses | $6,000,000 | 276 |
| Total noninterest income | $8,667,000 | 657 |
| Gross Fiduciary activities income | $2,092,000 | 315 |
| Service charges on deposit accounts | $1,548,000 | 799 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $5,027,000 | 642 |
| Total noninterest expense | $31,700,000 | 509 |
| Salaries and employee benefits | $16,697,000 | 438 |
| Premises and equipment expense | $4,726,000 | 467 |
| Additional noninterest expense | $10,277,000 | 579 |
| Pre-tax net operating income | $4,962,000 | 1,487 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,118,000 | 1,196 |
| Income before extraordinary items | $2,844,000 | 1,849 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,844,000 | 1,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,191,000 | 271 |
| Cash dividends | $1,648,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $-1,517,000 | 10,434 |
| Net operating income | $2,844,000 | 1,772 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $45,036,000 | 765 |
| Total interest expense | $15,827,000 | 1,034 |
| Net interest income | $29,209,000 | 626 |
| Provision for loan and lease losses | $-1,500,000 | 10,900 |
| Total noninterest income | $7,855,000 | 672 |
| Gross Fiduciary activities income | $1,806,000 | 340 |
| Service charges on deposit accounts | $1,105,000 | 1,138 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,944,000 | 620 |
| Total noninterest expense | $25,905,000 | 585 |
| Salaries and employee benefits | $15,876,000 | 439 |
| Premises and equipment expense | $4,240,000 | 518 |
| Additional noninterest expense | $5,789,000 | 869 |
| Pre-tax net operating income | $12,659,000 | 657 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $5,409,000 | 578 |
| Income before extraordinary items | $7,250,000 | 779 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,250,000 | 781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,509,000 | 10,914 |
| Cash dividends | $754,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $741,000 | 488 |
| Net operating income | $7,250,000 | 760 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $38,795,000 | 902 |
| Total interest expense | $12,623,000 | 1,279 |
| Net interest income | $26,172,000 | 722 |
| Provision for loan and lease losses | $-4,500,000 | 11,427 |
| Total noninterest income | $5,426,000 | 895 |
| Gross Fiduciary activities income | $1,004,000 | 504 |
| Service charges on deposit accounts | $896,000 | 1,502 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,526,000 | 805 |
| Total noninterest expense | $23,772,000 | 681 |
| Salaries and employee benefits | $13,396,000 | 535 |
| Premises and equipment expense | $4,083,000 | 554 |
| Additional noninterest expense | $6,293,000 | 958 |
| Pre-tax net operating income | $12,326,000 | 662 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $5,197,000 | 562 |
| Income before extraordinary items | $7,129,000 | 764 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,129,000 | 765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,158,000 | 11,451 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $-3,328,000 | 11,442 |
| Net operating income | $7,129,000 | 742 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $29,717,000 | 1,170 |
| Total interest expense | $10,373,000 | 1,549 |
| Net interest income | $19,344,000 | 953 |
| Provision for loan and lease losses | $-5,500,000 | 11,947 |
| Total noninterest income | $5,618,000 | 886 |
| Gross Fiduciary activities income | $872,000 | 562 |
| Service charges on deposit accounts | $760,000 | 1,794 |
| Trading account gains and fees | $172,000 | 254 |
| Additional Noninterest Income | $3,814,000 | 776 |
| Total noninterest expense | $21,734,000 | 737 |
| Salaries and employee benefits | $11,911,000 | 592 |
| Premises and equipment expense | $3,811,000 | 617 |
| Additional noninterest expense | $6,012,000 | 981 |
| Pre-tax net operating income | $8,728,000 | 921 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $-4,600,000 | 11,950 |
| Income before extraordinary items | $13,325,000 | 489 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,325,000 | 490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-213,000 | 11,863 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 653 |
| Net operating income | $13,328,000 | 484 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,299,000 | 1,294 |
| Total interest expense | $8,014,000 | 1,584 |
| Net interest income | $16,285,000 | 1,129 |
| Provision for loan and lease losses | $-20,000,000 | 12,595 |
| Total noninterest income | $4,755,000 | 954 |
| Gross Fiduciary activities income | $947,000 | 538 |
| Service charges on deposit accounts | $675,000 | 2,002 |
| Trading account gains and fees | $160,000 | 209 |
| Additional Noninterest Income | $2,973,000 | 881 |
| Total noninterest expense | $25,232,000 | 676 |
| Salaries and employee benefits | $12,255,000 | 593 |
| Premises and equipment expense | $4,926,000 | 490 |
| Additional noninterest expense | $8,051,000 | 820 |
| Pre-tax net operating income | $15,808,000 | 551 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $53,000 | 10,390 |
| Income before extraordinary items | $15,755,000 | 391 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $15,755,000 | 392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,133,000 | 12,576 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $15,755,000 | 398 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $31,226,000 | 1,025 |
| Total interest expense | $12,982,000 | 1,043 |
| Net interest income | $18,244,000 | 1,001 |
| Provision for loan and lease losses | $9,737,000 | 280 |
| Total noninterest income | $11,528,000 | 550 |
| Gross Fiduciary activities income | $843,000 | 586 |
| Service charges on deposit accounts | $1,268,000 | 1,046 |
| Trading account gains and fees | $226,000 | 221 |
| Additional Noninterest Income | $9,191,000 | 450 |
| Total noninterest expense | $41,952,000 | 462 |
| Salaries and employee benefits | $18,766,000 | 409 |
| Premises and equipment expense | $6,719,000 | 398 |
| Additional noninterest expense | $16,467,000 | 540 |
| Pre-tax net operating income | $-21,917,000 | 13,274 |
| Securities gains (losses) | $-47,000 | 13,076 |
| Applicable income taxes | $133,000 | 9,018 |
| Income before extraordinary items | $-22,097,000 | 13,244 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-22,097,000 | 13,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,485,000 | 214 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $30,647,000 | 46 |
| Net operating income | $-22,050,000 | 13,241 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $61,256,000 | 651 |
| Total interest expense | $26,850,000 | 712 |
| Net interest income | $34,406,000 | 600 |
| Provision for loan and lease losses | $73,009,000 | 74 |
| Total noninterest income | $15,647,000 | 451 |
| Gross Fiduciary activities income | $915,000 | 572 |
| Service charges on deposit accounts | $1,638,000 | 802 |
| Trading account gains and fees | $393,000 | 184 |
| Additional Noninterest Income | $12,701,000 | 376 |
| Total noninterest expense | $42,573,000 | 465 |
| Salaries and employee benefits | $17,418,000 | 431 |
| Premises and equipment expense | $6,239,000 | 427 |
| Additional noninterest expense | $18,916,000 | 473 |
| Pre-tax net operating income | $-65,529,000 | 13,957 |
| Securities gains (losses) | $965,000 | 668 |
| Applicable income taxes | $-17,931,000 | 13,925 |
| Income before extraordinary items | $-46,633,000 | 13,918 |
| Extraordinary gains, net | $5,801,000 | 32 |
| Net income | $-40,832,000 | 13,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,335,000 | 111 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 867 |
| Net operating income | $-47,327,800 | 13,916 |
* 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.