Home > Business Bank of California > Income and Expense
Business Bank of California, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $35,786,000 | 798 |
| Total interest expense | $4,137,000 | 2,150 |
| Net interest income | $31,649,000 | 605 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $6,163,000 | 948 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,698,000 | 460 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,465,000 | 1,241 |
| Total noninterest expense | $24,467,000 | 677 |
| Salaries and employee benefits | $13,659,000 | 627 |
| Premises and equipment expense | $4,181,000 | 552 |
| Additional noninterest expense | $6,627,000 | 781 |
| Pre-tax net operating income | $13,045,000 | 674 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,981,000 | 624 |
| Income before extraordinary items | $8,064,000 | 806 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,064,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,726 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,064,000 | 757 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,623,000 | 819 |
| Total interest expense | $3,248,000 | 2,142 |
| Net interest income | $23,375,000 | 626 |
| Provision for loan and lease losses | $300,000 | 2,501 |
| Total noninterest income | $4,403,000 | 1,029 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,779,000 | 466 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,624,000 | 1,452 |
| Total noninterest expense | $18,242,000 | 697 |
| Salaries and employee benefits | $10,188,000 | 644 |
| Premises and equipment expense | $3,142,000 | 559 |
| Additional noninterest expense | $4,912,000 | 793 |
| Pre-tax net operating income | $9,236,000 | 740 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,516,000 | 679 |
| Income before extraordinary items | $5,720,000 | 890 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,720,000 | 890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,738 |
| Cash dividends | $2,000,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,720,000 | 818 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,664,000 | 828 |
| Total interest expense | $2,296,000 | 2,091 |
| Net interest income | $15,368,000 | 632 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $2,845,000 | 1,042 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,828,000 | 468 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,017,000 | 1,500 |
| Total noninterest expense | $11,985,000 | 699 |
| Salaries and employee benefits | $6,630,000 | 661 |
| Premises and equipment expense | $2,054,000 | 579 |
| Additional noninterest expense | $3,301,000 | 788 |
| Pre-tax net operating income | $6,028,000 | 748 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,293,000 | 692 |
| Income before extraordinary items | $3,735,000 | 908 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,735,000 | 909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,876 |
| Cash dividends | $2,000,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,735,000 | 836 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,807,000 | 837 |
| Total interest expense | $1,178,000 | 2,084 |
| Net interest income | $7,629,000 | 635 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $1,243,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $897,000 | 473 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $346,000 | 1,919 |
| Total noninterest expense | $5,847,000 | 707 |
| Salaries and employee benefits | $3,284,000 | 664 |
| Premises and equipment expense | $1,004,000 | 585 |
| Additional noninterest expense | $1,559,000 | 812 |
| Pre-tax net operating income | $2,925,000 | 770 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,110,000 | 718 |
| Income before extraordinary items | $1,815,000 | 925 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,815,000 | 924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,858 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,815,000 | 854 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $38,085,000 | 788 |
| Total interest expense | $6,416,000 | 1,778 |
| Net interest income | $31,669,000 | 603 |
| Provision for loan and lease losses | $1,000,000 | 1,347 |
| Total noninterest income | $4,601,000 | 1,141 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,263,000 | 501 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,338,000 | 1,806 |
| Total noninterest expense | $24,607,000 | 664 |
| Salaries and employee benefits | $12,446,000 | 660 |
| Premises and equipment expense | $3,970,000 | 566 |
| Additional noninterest expense | $8,191,000 | 650 |
| Pre-tax net operating income | $10,663,000 | 817 |
| Securities gains (losses) | $266,000 | 980 |
| Applicable income taxes | $4,193,000 | 699 |
| Income before extraordinary items | $6,736,000 | 927 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,736,000 | 926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,941 |
| Cash dividends | $5,710,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,565,760 | 909 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,094,000 | 1,354 |
| Total interest expense | $7,414,000 | 2,163 |
| Net interest income | $17,680,000 | 1,031 |
| Provision for loan and lease losses | $225,000 | 3,876 |
| Total noninterest income | $3,254,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,505,000 | 603 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $749,000 | 2,482 |
| Total noninterest expense | $16,351,000 | 914 |
| Salaries and employee benefits | $8,405,000 | 880 |
| Premises and equipment expense | $2,099,000 | 997 |
| Additional noninterest expense | $5,847,000 | 850 |
| Pre-tax net operating income | $4,358,000 | 1,636 |
| Securities gains (losses) | $817,000 | 455 |
| Applicable income taxes | $1,919,000 | 1,221 |
| Income before extraordinary items | $3,256,000 | 1,628 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,256,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,425 |
| Cash dividends | $250,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,733,120 | 1,842 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,526,000 | 1,601 |
| Total interest expense | $6,170,000 | 2,711 |
| Net interest income | $15,356,000 | 1,146 |
| Provision for loan and lease losses | $255,000 | 3,188 |
| Total noninterest income | $2,946,000 | 1,371 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,146,000 | 621 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $800,000 | 2,148 |
| Total noninterest expense | $13,698,000 | 1,023 |
| Salaries and employee benefits | $6,786,000 | 1,033 |
| Premises and equipment expense | $1,705,000 | 1,184 |
| Additional noninterest expense | $5,207,000 | 925 |
| Pre-tax net operating income | $4,349,000 | 1,686 |
| Securities gains (losses) | $43,000 | 751 |
| Applicable income taxes | $1,518,000 | 1,496 |
| Income before extraordinary items | $2,874,000 | 1,816 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,874,000 | 1,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,278 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 951 |
| Net operating income | $2,846,050 | 1,832 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,856,000 | 2,197 |
| Total interest expense | $3,577,000 | 3,965 |
| Net interest income | $11,279,000 | 1,546 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $2,738,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,873,000 | 709 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $865,000 | 2,053 |
| Total noninterest expense | $10,958,000 | 1,258 |
| Salaries and employee benefits | $5,291,000 | 1,314 |
| Premises and equipment expense | $1,485,000 | 1,369 |
| Additional noninterest expense | $4,182,000 | 1,120 |
| Pre-tax net operating income | $2,879,000 | 2,502 |
| Securities gains (losses) | $-98,000 | 9,947 |
| Applicable income taxes | $841,000 | 2,533 |
| Income before extraordinary items | $1,940,000 | 2,659 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,940,000 | 2,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,521 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $529,000 | 598 |
| Net operating income | $2,008,600 | 2,549 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,329,000 | 2,440 |
| Total interest expense | $3,178,000 | 4,501 |
| Net interest income | $10,151,000 | 1,681 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $2,778,000 | 1,424 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,583,000 | 781 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,195,000 | 1,631 |
| Total noninterest expense | $9,674,000 | 1,360 |
| Salaries and employee benefits | $4,851,000 | 1,355 |
| Premises and equipment expense | $1,451,000 | 1,343 |
| Additional noninterest expense | $3,372,000 | 1,310 |
| Pre-tax net operating income | $3,105,000 | 2,299 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $1,255,000 | 1,910 |
| Income before extraordinary items | $1,857,000 | 2,729 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,857,000 | 2,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,292 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 538 |
| Net operating income | $1,852,520 | 2,663 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,533,000 | 3,390 |
| Total interest expense | $2,057,000 | 6,158 |
| Net interest income | $7,476,000 | 2,341 |
| Provision for loan and lease losses | $487,000 | 1,812 |
| Total noninterest income | $1,590,000 | 2,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $982,000 | 1,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $608,000 | 2,449 |
| Total noninterest expense | $7,325,000 | 1,774 |
| Salaries and employee benefits | $3,621,000 | 1,806 |
| Premises and equipment expense | $1,174,000 | 1,665 |
| Additional noninterest expense | $2,530,000 | 1,676 |
| Pre-tax net operating income | $1,254,000 | 5,093 |
| Securities gains (losses) | $-10,000 | 10,039 |
| Applicable income taxes | $402,000 | 4,873 |
| Income before extraordinary items | $842,000 | 5,283 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $842,000 | 5,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $567,000 | 1,221 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $848,800 | 5,205 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 4,003 |
| Total interest expense | $1,689,000 | 7,111 |
| Net interest income | $6,387,000 | 2,768 |
| Provision for loan and lease losses | $917,000 | 1,089 |
| Total noninterest income | $1,960,000 | 1,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $906,000 | 1,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,054,000 | 1,754 |
| Total noninterest expense | $6,239,000 | 2,200 |
| Salaries and employee benefits | $3,100,000 | 2,152 |
| Premises and equipment expense | $918,000 | 2,169 |
| Additional noninterest expense | $2,221,000 | 2,240 |
| Pre-tax net operating income | $1,191,000 | 5,147 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $367,000 | 5,162 |
| Income before extraordinary items | $824,000 | 5,200 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $824,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,014,000 | 892 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $527,000 | 459 |
| Net operating income | $824,000 | 5,137 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,233,000 | 3,908 |
| Total interest expense | $1,592,000 | 7,443 |
| Net interest income | $6,641,000 | 2,683 |
| Provision for loan and lease losses | $476,000 | 1,643 |
| Total noninterest income | $1,330,000 | 2,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $961,000 | 1,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $369,000 | 3,489 |
| Total noninterest expense | $5,578,000 | 2,439 |
| Salaries and employee benefits | $2,882,000 | 2,304 |
| Premises and equipment expense | $768,000 | 2,588 |
| Additional noninterest expense | $1,928,000 | 2,475 |
| Pre-tax net operating income | $1,917,000 | 3,628 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $722,000 | 3,155 |
| Income before extraordinary items | $1,197,000 | 3,969 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,197,000 | 3,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $476,000 | 1,427 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 721 |
| Net operating income | $1,195,720 | 3,959 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,768,000 | 4,353 |
| Total interest expense | $1,437,000 | 7,082 |
| Net interest income | $5,331,000 | 3,362 |
| Provision for loan and lease losses | $696,000 | 1,210 |
| Total noninterest income | $1,135,000 | 2,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $870,000 | 1,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,429 |
| Total noninterest expense | $4,463,000 | 3,075 |
| Salaries and employee benefits | $2,121,000 | 3,108 |
| Premises and equipment expense | $611,000 | 3,221 |
| Additional noninterest expense | $1,731,000 | 2,920 |
| Pre-tax net operating income | $1,307,000 | 4,923 |
| Securities gains (losses) | $-272,000 | 12,078 |
| Applicable income taxes | $341,000 | 5,376 |
| Income before extraordinary items | $694,000 | 5,956 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $694,000 | 5,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,723 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,020 |
| Net operating income | $876,240 | 5,067 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,700,000 | 5,180 |
| Total interest expense | $1,274,000 | 7,985 |
| Net interest income | $4,426,000 | 4,001 |
| Provision for loan and lease losses | $1,006,000 | 1,294 |
| Total noninterest income | $1,340,000 | 2,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $721,000 | 1,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $619,000 | 2,827 |
| Total noninterest expense | $3,427,000 | 3,987 |
| Salaries and employee benefits | $1,722,000 | 3,773 |
| Premises and equipment expense | $571,000 | 3,475 |
| Additional noninterest expense | $1,134,000 | 4,418 |
| Pre-tax net operating income | $1,333,000 | 4,776 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $462,000 | 4,480 |
| Income before extraordinary items | $881,000 | 5,181 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $881,000 | 5,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $671,000 | 1,474 |
| Cash dividends | $1,000 | 9,069 |
| Sale, conversion, retirement of capital stock, net | $199,000 | 790 |
| Net operating income | $874,400 | 4,983 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,619,000 | 5,802 |
| Total interest expense | $1,608,000 | 8,175 |
| Net interest income | $4,011,000 | 4,433 |
| Provision for loan and lease losses | $297,000 | 4,187 |
| Total noninterest income | $926,000 | 3,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $714,000 | 1,893 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,472 |
| Total noninterest expense | $3,295,000 | 4,160 |
| Salaries and employee benefits | $1,740,000 | 3,674 |
| Premises and equipment expense | $557,000 | 3,610 |
| Additional noninterest expense | $998,000 | 5,059 |
| Pre-tax net operating income | $1,345,000 | 4,485 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $408,000 | 4,716 |
| Income before extraordinary items | $937,000 | 4,772 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $937,000 | 4,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 5,168 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 710 |
| Net operating income | $937,000 | 4,453 |
* 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.