Home > Regency Bank > Income and Expense
Regency Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,638,000 | 1,740 |
| Total interest expense | $5,453,000 | 2,769 |
| Net interest income | $13,185,000 | 1,292 |
| Provision for loan and lease losses | $375,000 | 2,169 |
| Total noninterest income | $2,153,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $539,000 | 2,388 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,614,000 | 1,334 |
| Total noninterest expense | $8,664,000 | 1,534 |
| Salaries and employee benefits | $4,516,000 | 1,447 |
| Premises and equipment expense | $1,336,000 | 1,470 |
| Additional noninterest expense | $2,812,000 | 1,539 |
| Pre-tax net operating income | $6,299,000 | 1,181 |
| Securities gains (losses) | $15,000 | 2,661 |
| Applicable income taxes | $2,630,000 | 976 |
| Income before extraordinary items | $3,684,000 | 1,436 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,684,000 | 1,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,035 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,674,400 | 1,377 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,287,000 | 2,139 |
| Total interest expense | $5,320,000 | 2,811 |
| Net interest income | $9,967,000 | 1,751 |
| Provision for loan and lease losses | $1,353,000 | 784 |
| Total noninterest income | $2,769,000 | 1,362 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $422,000 | 3,084 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,347,000 | 983 |
| Total noninterest expense | $13,311,000 | 1,030 |
| Salaries and employee benefits | $4,232,000 | 1,538 |
| Premises and equipment expense | $1,383,000 | 1,414 |
| Additional noninterest expense | $7,696,000 | 712 |
| Pre-tax net operating income | $-1,928,000 | 10,895 |
| Securities gains (losses) | $-20,000 | 10,368 |
| Applicable income taxes | $-770,000 | 10,877 |
| Income before extraordinary items | $-1,178,000 | 10,862 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,178,000 | 10,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $749,000 | 966 |
| Cash dividends | $205,000 | 5,315 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 281 |
| Net operating income | $-1,165,200 | 10,850 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,232,000 | 2,525 |
| Total interest expense | $4,694,000 | 3,178 |
| Net interest income | $8,538,000 | 2,097 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $4,431,000 | 1,027 |
| Gross Fiduciary activities income | $682,000 | 623 |
| Service charges on deposit accounts | $362,000 | 3,652 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,387,000 | 819 |
| Total noninterest expense | $11,220,000 | 1,278 |
| Salaries and employee benefits | $4,430,000 | 1,499 |
| Premises and equipment expense | $1,448,000 | 1,406 |
| Additional noninterest expense | $5,342,000 | 1,077 |
| Pre-tax net operating income | $1,749,000 | 3,814 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $737,000 | 3,064 |
| Income before extraordinary items | $1,012,000 | 4,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,012,000 | 4,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,960 |
| Cash dividends | $489,000 | 3,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,012,000 | 4,397 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,847,000 | 2,602 |
| Total interest expense | $5,088,000 | 2,979 |
| Net interest income | $7,759,000 | 2,316 |
| Provision for loan and lease losses | $470,000 | 1,660 |
| Total noninterest income | $2,324,000 | 1,626 |
| Gross Fiduciary activities income | $471,000 | 760 |
| Service charges on deposit accounts | $271,000 | 4,662 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,582,000 | 1,335 |
| Total noninterest expense | $11,977,000 | 1,221 |
| Salaries and employee benefits | $4,338,000 | 1,533 |
| Premises and equipment expense | $1,257,000 | 1,612 |
| Additional noninterest expense | $6,382,000 | 925 |
| Pre-tax net operating income | $-2,364,000 | 11,934 |
| Securities gains (losses) | $-25,000 | 10,717 |
| Applicable income taxes | $-945,000 | 11,903 |
| Income before extraordinary items | $-1,444,000 | 11,884 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-1,444,000 | 11,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,305 |
| Cash dividends | $836,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 724 |
| Net operating income | $-1,428,000 | 11,881 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,713,000 | 2,838 |
| Total interest expense | $3,299,000 | 3,635 |
| Net interest income | $7,414,000 | 2,438 |
| Provision for loan and lease losses | $487,000 | 1,576 |
| Total noninterest income | $3,504,000 | 1,206 |
| Gross Fiduciary activities income | $351,000 | 848 |
| Service charges on deposit accounts | $244,000 | 5,135 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,909,000 | 894 |
| Total noninterest expense | $7,817,000 | 1,857 |
| Salaries and employee benefits | $3,859,000 | 1,735 |
| Premises and equipment expense | $624,000 | 3,156 |
| Additional noninterest expense | $3,334,000 | 1,653 |
| Pre-tax net operating income | $2,614,000 | 2,707 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,061,000 | 2,106 |
| Income before extraordinary items | $1,553,000 | 3,083 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,553,000 | 3,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,981 |
| Cash dividends | $165,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $451,000 | 564 |
| Net operating income | $1,553,000 | 3,108 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,922,000 | 3,445 |
| Total interest expense | $2,693,000 | 4,521 |
| Net interest income | $6,229,000 | 2,927 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $3,809,000 | 1,206 |
| Gross Fiduciary activities income | $101,000 | 1,205 |
| Service charges on deposit accounts | $185,000 | 6,280 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,523,000 | 860 |
| Total noninterest expense | $6,785,000 | 2,154 |
| Salaries and employee benefits | $3,220,000 | 2,055 |
| Premises and equipment expense | $852,000 | 2,397 |
| Additional noninterest expense | $2,713,000 | 2,070 |
| Pre-tax net operating income | $3,216,000 | 2,122 |
| Securities gains (losses) | $138,000 | 2,074 |
| Applicable income taxes | $1,394,000 | 1,668 |
| Income before extraordinary items | $1,960,000 | 2,576 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,960,000 | 2,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 11,843 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 13,141 |
| Net operating income | $1,871,680 | 2,527 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,346,000 | 3,737 |
| Total interest expense | $3,135,000 | 4,966 |
| Net interest income | $6,211,000 | 2,930 |
| Provision for loan and lease losses | $327,000 | 3,934 |
| Total noninterest income | $3,059,000 | 1,415 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $150,000 | 7,109 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,909,000 | 981 |
| Total noninterest expense | $5,994,000 | 2,424 |
| Salaries and employee benefits | $2,848,000 | 2,285 |
| Premises and equipment expense | $665,000 | 3,067 |
| Additional noninterest expense | $2,481,000 | 2,341 |
| Pre-tax net operating income | $2,949,000 | 2,110 |
| Securities gains (losses) | $46,000 | 4,268 |
| Applicable income taxes | $1,190,000 | 1,775 |
| Income before extraordinary items | $1,805,000 | 2,549 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,805,000 | 2,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 3,766 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 881 |
| Net operating income | $1,775,560 | 2,395 |
* 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.