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Ventura County National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$13,936,0002,395
Total interest expense$4,334,0003,442
Net interest income$9,602,0001,855
Provision for loan and lease losses$09,041
Total noninterest income$1,284,0002,559
Gross Fiduciary activities income$3,0001,477
Service charges on deposit accounts$824,0001,620
Trading account gains and fees$0262
Additional Noninterest Income$457,0003,113
Total noninterest expense$8,543,0001,661
Salaries and employee benefits$3,157,0002,116
Premises and equipment expense$1,402,0001,450
Additional noninterest expense$3,984,0001,359
Pre-tax net operating income$2,343,0002,978
Securities gains (losses)$04,148
Applicable income taxes$731,0003,082
Income before extraordinary items$1,612,0002,985
Extraordinary gains, net$053
Net income$1,612,0002,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$297,0002,090
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,612,0002,945
1995-12-31 (YTD Data)Rank
Total interest income$13,848,0002,415
Total interest expense$4,238,0003,506
Net interest income$9,610,0001,858
Provision for loan and lease losses$295,0002,329
Total noninterest income$4,566,0001,016
Gross Fiduciary activities income$5,0001,518
Service charges on deposit accounts$703,0001,930
Trading account gains and fees$0522
Additional Noninterest Income$3,858,000774
Total noninterest expense$9,912,0001,432
Salaries and employee benefits$3,727,0001,777
Premises and equipment expense$1,679,0001,238
Additional noninterest expense$4,506,0001,218
Pre-tax net operating income$3,969,0001,871
Securities gains (losses)$47,0001,345
Applicable income taxes$-282,00011,829
Income before extraordinary items$4,298,0001,237
Extraordinary gains, net$065
Net income$4,298,0001,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,471,000502
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$4,251,0001,223
1994-12-31 (YTD Data)Rank
Total interest income$15,876,0001,941
Total interest expense$4,998,0002,464
Net interest income$10,878,0001,660
Provision for loan and lease losses$2,450,000493
Total noninterest income$3,458,0001,218
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$880,0001,537
Trading account gains and fees$0475
Additional Noninterest Income$2,578,000972
Total noninterest expense$11,167,0001,313
Salaries and employee benefits$3,727,0001,806
Premises and equipment expense$2,030,0001,044
Additional noninterest expense$5,410,0001,099
Pre-tax net operating income$719,0007,288
Securities gains (losses)$-195,00011,937
Applicable income taxes$-15,00012,103
Income before extraordinary items$539,0007,009
Extraordinary gains, net$0249
Net income$539,0007,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,173,000222
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$734,0005,771
1993-12-31 (YTD Data)Rank
Total interest income$18,690,0001,672
Total interest expense$6,016,0002,164
Net interest income$12,674,0001,432
Provision for loan and lease losses$14,498,000208
Total noninterest income$4,011,0001,166
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,113,0001,210
Trading account gains and fees$0532
Additional Noninterest Income$2,898,000982
Total noninterest expense$15,556,0001,017
Salaries and employee benefits$4,636,0001,459
Premises and equipment expense$2,522,000888
Additional noninterest expense$8,398,000862
Pre-tax net operating income$-13,369,00013,247
Securities gains (losses)$11,0005,374
Applicable income taxes$-3,137,00013,236
Income before extraordinary items$-10,221,00013,206
Extraordinary gains, net$03,149
Net income$-10,221,00013,205
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,307,000402
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-10,229,47013,203
1992-12-31 (YTD Data)Rank
Total interest income$20,555,0001,723
Total interest expense$7,110,0002,366
Net interest income$13,445,0001,378
Provision for loan and lease losses$2,365,0001,011
Total noninterest income$3,921,0001,157
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,041,0001,282
Trading account gains and fees$0504
Additional Noninterest Income$2,880,000985
Total noninterest expense$12,706,0001,247
Salaries and employee benefits$4,106,0001,610
Premises and equipment expense$2,310,000989
Additional noninterest expense$6,290,0001,097
Pre-tax net operating income$2,295,0002,721
Securities gains (losses)$08,369
Applicable income taxes$966,0002,176
Income before extraordinary items$1,329,0003,449
Extraordinary gains, net$01,422
Net income$1,329,0003,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,579,0001,151
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,329,0003,203

* 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.