Home > Monterey Bay Bank > Income and Expense
Monterey Bay Bank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,795,000 | 819 |
| Total interest expense | $5,470,000 | 868 |
| Net interest income | $12,325,000 | 790 |
| Provision for loan and lease losses | $1,775,000 | 424 |
| Total noninterest income | $1,499,000 | 1,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,499,000 | 1,139 |
| Total noninterest expense | $13,994,000 | 617 |
| Salaries and employee benefits | $4,257,000 | 1,012 |
| Premises and equipment expense | $1,153,000 | 997 |
| Additional noninterest expense | $8,584,000 | 383 |
| Pre-tax net operating income | $-1,945,000 | 9,213 |
| Securities gains (losses) | $215,000 | 1,004 |
| Applicable income taxes | $-73,000 | 9,108 |
| Income before extraordinary items | $-1,657,000 | 9,239 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,657,000 | 9,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,057 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-1,863,400 | 9,215 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,901,000 | 826 |
| Total interest expense | $2,805,000 | 880 |
| Net interest income | $6,096,000 | 793 |
| Provision for loan and lease losses | $325,000 | 862 |
| Total noninterest income | $786,000 | 1,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $786,000 | 1,063 |
| Total noninterest expense | $3,506,000 | 1,144 |
| Salaries and employee benefits | $2,277,000 | 940 |
| Premises and equipment expense | $544,000 | 1,068 |
| Additional noninterest expense | $685,000 | 1,724 |
| Pre-tax net operating income | $3,051,000 | 746 |
| Securities gains (losses) | $124,000 | 880 |
| Applicable income taxes | $1,271,000 | 644 |
| Income before extraordinary items | $1,904,000 | 879 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,904,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,431 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,824,640 | 850 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $35,175,000 | 865 |
| Total interest expense | $12,895,000 | 880 |
| Net interest income | $22,280,000 | 873 |
| Provision for loan and lease losses | $1,510,000 | 938 |
| Total noninterest income | $2,194,000 | 1,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,194,000 | 1,232 |
| Total noninterest expense | $13,317,000 | 1,160 |
| Salaries and employee benefits | $8,051,000 | 1,004 |
| Premises and equipment expense | $2,259,000 | 967 |
| Additional noninterest expense | $3,007,000 | 1,572 |
| Pre-tax net operating income | $9,647,000 | 899 |
| Securities gains (losses) | $205,000 | 1,149 |
| Applicable income taxes | $3,957,000 | 738 |
| Income before extraordinary items | $5,895,000 | 1,064 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,895,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $475,000 | 1,722 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,763,800 | 1,044 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,426,000 | 889 |
| Total interest expense | $18,981,000 | 862 |
| Net interest income | $19,445,000 | 911 |
| Provision for loan and lease losses | $1,400,000 | 958 |
| Total noninterest income | $2,463,000 | 1,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,463,000 | 1,078 |
| Total noninterest expense | $13,755,000 | 1,080 |
| Salaries and employee benefits | $7,573,000 | 984 |
| Premises and equipment expense | $2,517,000 | 835 |
| Additional noninterest expense | $3,665,000 | 1,285 |
| Pre-tax net operating income | $6,753,000 | 1,099 |
| Securities gains (losses) | $277,000 | 943 |
| Applicable income taxes | $2,990,000 | 848 |
| Income before extraordinary items | $4,040,000 | 1,355 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,040,000 | 1,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-501,000 | 9,595 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,862,720 | 1,349 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $36,845,000 | 960 |
| Total interest expense | $19,746,000 | 898 |
| Net interest income | $17,099,000 | 1,027 |
| Provision for loan and lease losses | $2,375,000 | 544 |
| Total noninterest income | $2,659,000 | 1,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,659,000 | 931 |
| Total noninterest expense | $12,859,000 | 1,086 |
| Salaries and employee benefits | $6,879,000 | 1,017 |
| Premises and equipment expense | $2,402,000 | 831 |
| Additional noninterest expense | $3,578,000 | 1,268 |
| Pre-tax net operating income | $4,524,000 | 1,622 |
| Securities gains (losses) | $46,000 | 727 |
| Applicable income taxes | $1,987,000 | 1,157 |
| Income before extraordinary items | $2,583,000 | 2,024 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,583,000 | 2,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $913,000 | 802 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,553,560 | 2,048 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $32,383,000 | 1,016 |
| Total interest expense | $17,208,000 | 913 |
| Net interest income | $15,175,000 | 1,161 |
| Provision for loan and lease losses | $785,000 | 1,206 |
| Total noninterest income | $2,247,000 | 1,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,247,000 | 1,059 |
| Total noninterest expense | $11,332,000 | 1,218 |
| Salaries and employee benefits | $6,218,000 | 1,103 |
| Premises and equipment expense | $2,127,000 | 948 |
| Additional noninterest expense | $2,987,000 | 1,520 |
| Pre-tax net operating income | $5,305,000 | 1,432 |
| Securities gains (losses) | $502,000 | 343 |
| Applicable income taxes | $2,509,000 | 1,010 |
| Income before extraordinary items | $3,298,000 | 1,617 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,298,000 | 1,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,121 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,976,720 | 1,757 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,702,000 | 1,096 |
| Total interest expense | $18,292,000 | 869 |
| Net interest income | $11,410,000 | 1,478 |
| Provision for loan and lease losses | $548,000 | 1,613 |
| Total noninterest income | $2,127,000 | 1,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,127,000 | 1,105 |
| Total noninterest expense | $10,763,000 | 1,230 |
| Salaries and employee benefits | $5,803,000 | 1,126 |
| Premises and equipment expense | $2,685,000 | 751 |
| Additional noninterest expense | $2,275,000 | 1,854 |
| Pre-tax net operating income | $2,226,000 | 3,065 |
| Securities gains (losses) | $313,000 | 724 |
| Applicable income taxes | $1,179,000 | 2,027 |
| Income before extraordinary items | $1,360,000 | 3,533 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,360,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,298 |
| Cash dividends | $8,500,000 | 434 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,159,680 | 3,949 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,826,000 | 1,163 |
| Total interest expense | $18,354,000 | 897 |
| Net interest income | $10,472,000 | 1,664 |
| Provision for loan and lease losses | $375,000 | 2,191 |
| Total noninterest income | $1,667,000 | 2,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,667,000 | 1,247 |
| Total noninterest expense | $9,178,000 | 1,424 |
| Salaries and employee benefits | $4,833,000 | 1,363 |
| Premises and equipment expense | $2,419,000 | 832 |
| Additional noninterest expense | $1,926,000 | 2,170 |
| Pre-tax net operating income | $2,586,000 | 2,834 |
| Securities gains (losses) | $231,000 | 649 |
| Applicable income taxes | $1,156,000 | 2,159 |
| Income before extraordinary items | $1,661,000 | 3,062 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,661,000 | 3,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,513,160 | 3,256 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,154,000 | 1,458 |
| Total interest expense | $14,329,000 | 1,144 |
| Net interest income | $8,825,000 | 2,031 |
| Provision for loan and lease losses | $27,000 | 7,576 |
| Total noninterest income | $969,000 | 3,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $969,000 | 1,855 |
| Total noninterest expense | $8,813,000 | 1,609 |
| Salaries and employee benefits | $3,908,000 | 1,700 |
| Premises and equipment expense | $1,854,000 | 1,128 |
| Additional noninterest expense | $3,051,000 | 1,706 |
| Pre-tax net operating income | $954,000 | 5,905 |
| Securities gains (losses) | $145,000 | 806 |
| Applicable income taxes | $477,000 | 4,300 |
| Income before extraordinary items | $622,000 | 6,142 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $622,000 | 6,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $529,200 | 6,649 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,710,000 | 1,559 |
| Total interest expense | $14,186,000 | 1,174 |
| Net interest income | $7,524,000 | 2,388 |
| Provision for loan and lease losses | $301,000 | 2,265 |
| Total noninterest income | $604,000 | 4,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $604,000 | 2,519 |
| Total noninterest expense | $6,709,000 | 2,056 |
| Salaries and employee benefits | $3,491,000 | 1,895 |
| Premises and equipment expense | $1,736,000 | 1,199 |
| Additional noninterest expense | $1,482,000 | 3,116 |
| Pre-tax net operating income | $1,118,000 | 5,536 |
| Securities gains (losses) | $-285,000 | 11,744 |
| Applicable income taxes | $293,000 | 6,091 |
| Income before extraordinary items | $540,000 | 6,959 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $540,000 | 6,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $725,250 | 5,823 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,572,000 | 1,748 |
| Total interest expense | $9,815,000 | 1,333 |
| Net interest income | $7,757,000 | 2,318 |
| Provision for loan and lease losses | $421,000 | 1,750 |
| Total noninterest income | $882,000 | 3,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $882,000 | 2,003 |
| Total noninterest expense | $5,988,000 | 2,348 |
| Salaries and employee benefits | $2,959,000 | 2,254 |
| Premises and equipment expense | $1,671,000 | 1,248 |
| Additional noninterest expense | $1,358,000 | 3,628 |
| Pre-tax net operating income | $2,230,000 | 3,135 |
| Securities gains (losses) | $-110,000 | 11,591 |
| Applicable income taxes | $868,000 | 2,578 |
| Income before extraordinary items | $1,252,000 | 3,706 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,252,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,322,400 | 3,570 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,958,000 | 1,965 |
| Total interest expense | $8,254,000 | 1,605 |
| Net interest income | $7,704,000 | 2,327 |
| Provision for loan and lease losses | $236,000 | 3,570 |
| Total noninterest income | $614,000 | 4,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $614,000 | 2,849 |
| Total noninterest expense | $5,002,000 | 2,855 |
| Salaries and employee benefits | $2,610,000 | 2,546 |
| Premises and equipment expense | $1,271,000 | 1,643 |
| Additional noninterest expense | $1,121,000 | 4,458 |
| Pre-tax net operating income | $3,080,000 | 2,211 |
| Securities gains (losses) | $1,086,000 | 514 |
| Applicable income taxes | $1,751,000 | 1,362 |
| Income before extraordinary items | $2,415,000 | 2,074 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,415,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,719,960 | 2,714 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,489,000 | 2,622 |
| Total interest expense | $6,607,000 | 2,555 |
| Net interest income | $6,882,000 | 2,639 |
| Provision for loan and lease losses | $-6,000 | 13,450 |
| Total noninterest income | $100,000 | 11,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $100,000 | 8,063 |
| Total noninterest expense | $2,773,000 | 4,864 |
| Salaries and employee benefits | $1,727,000 | 3,700 |
| Premises and equipment expense | $519,000 | 3,841 |
| Additional noninterest expense | $527,000 | 8,225 |
| Pre-tax net operating income | $4,215,000 | 1,500 |
| Securities gains (losses) | $135,000 | 2,548 |
| Applicable income taxes | $1,844,000 | 1,203 |
| Income before extraordinary items | $2,506,000 | 1,811 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,506,000 | 1,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,419,600 | 1,731 |
* 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.