Home > The Ramapo Bank > Income and Expense
The Ramapo Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $21,679,000 | 1,492 |
Total interest expense | $7,755,000 | 1,970 |
Net interest income | $13,924,000 | 1,218 |
Provision for loan and lease losses | $275,000 | 2,807 |
Total noninterest income | $2,432,000 | 1,574 |
Gross Fiduciary activities income | $0 | 1,398 |
Service charges on deposit accounts | $1,345,000 | 923 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $1,087,000 | 1,746 |
Total noninterest expense | $9,726,000 | 1,349 |
Salaries and employee benefits | $5,433,000 | 1,206 |
Premises and equipment expense | $1,673,000 | 1,147 |
Additional noninterest expense | $2,620,000 | 1,643 |
Pre-tax net operating income | $6,355,000 | 1,174 |
Securities gains (losses) | $1,000 | 4,151 |
Applicable income taxes | $2,299,000 | 1,091 |
Income before extraordinary items | $4,057,000 | 1,309 |
Extraordinary gains, net | $0 | 32 |
Net income | $4,057,000 | 1,309 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $130,000 | 3,185 |
Cash dividends | $4,218,000 | 729 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $4,056,360 | 1,258 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $19,764,000 | 1,671 |
Total interest expense | $6,414,000 | 2,341 |
Net interest income | $13,350,000 | 1,299 |
Provision for loan and lease losses | $480,000 | 1,829 |
Total noninterest income | $2,211,000 | 1,639 |
Gross Fiduciary activities income | $0 | 1,450 |
Service charges on deposit accounts | $1,368,000 | 930 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $843,000 | 1,963 |
Total noninterest expense | $9,679,000 | 1,359 |
Salaries and employee benefits | $5,117,000 | 1,285 |
Premises and equipment expense | $1,702,000 | 1,169 |
Additional noninterest expense | $2,860,000 | 1,502 |
Pre-tax net operating income | $5,402,000 | 1,441 |
Securities gains (losses) | $-14,000 | 10,204 |
Applicable income taxes | $2,000,000 | 1,330 |
Income before extraordinary items | $3,388,000 | 1,593 |
Extraordinary gains, net | $0 | 44 |
Net income | $3,388,000 | 1,594 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $967,000 | 821 |
Cash dividends | $973,000 | 2,253 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $3,396,960 | 1,554 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $18,338,000 | 1,847 |
Total interest expense | $5,929,000 | 2,576 |
Net interest income | $12,409,000 | 1,447 |
Provision for loan and lease losses | $400,000 | 2,077 |
Total noninterest income | $2,295,000 | 1,647 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $1,392,000 | 956 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $903,000 | 1,941 |
Total noninterest expense | $9,758,000 | 1,463 |
Salaries and employee benefits | $4,678,000 | 1,433 |
Premises and equipment expense | $1,461,000 | 1,393 |
Additional noninterest expense | $3,619,000 | 1,471 |
Pre-tax net operating income | $4,546,000 | 1,596 |
Securities gains (losses) | $-16,000 | 10,516 |
Applicable income taxes | $1,344,000 | 1,779 |
Income before extraordinary items | $3,186,000 | 1,560 |
Extraordinary gains, net | $0 | 53 |
Net income | $3,186,000 | 1,562 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $138,000 | 3,326 |
Cash dividends | $324,000 | 4,350 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $3,197,200 | 1,521 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $18,343,000 | 1,845 |
Total interest expense | $6,289,000 | 2,442 |
Net interest income | $12,054,000 | 1,490 |
Provision for loan and lease losses | $500,000 | 1,563 |
Total noninterest income | $2,660,000 | 1,466 |
Gross Fiduciary activities income | $0 | 1,590 |
Service charges on deposit accounts | $1,515,000 | 879 |
Trading account gains and fees | $0 | 522 |
Additional Noninterest Income | $1,145,000 | 1,643 |
Total noninterest expense | $11,969,000 | 1,222 |
Salaries and employee benefits | $4,454,000 | 1,488 |
Premises and equipment expense | $1,370,000 | 1,498 |
Additional noninterest expense | $6,145,000 | 953 |
Pre-tax net operating income | $2,245,000 | 3,160 |
Securities gains (losses) | $33,000 | 1,557 |
Applicable income taxes | $-4,219,000 | 11,949 |
Income before extraordinary items | $6,497,000 | 859 |
Extraordinary gains, net | $0 | 65 |
Net income | $6,497,000 | 858 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,148,000 | 544 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $6,464,000 | 850 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $14,919,000 | 2,075 |
Total interest expense | $4,672,000 | 2,623 |
Net interest income | $10,247,000 | 1,765 |
Provision for loan and lease losses | $1,222,000 | 810 |
Total noninterest income | $3,492,000 | 1,211 |
Gross Fiduciary activities income | $22,000 | 1,410 |
Service charges on deposit accounts | $1,388,000 | 951 |
Trading account gains and fees | $0 | 475 |
Additional Noninterest Income | $2,082,000 | 1,102 |
Total noninterest expense | $12,888,000 | 1,165 |
Salaries and employee benefits | $5,007,000 | 1,350 |
Premises and equipment expense | $1,481,000 | 1,411 |
Additional noninterest expense | $6,400,000 | 966 |
Pre-tax net operating income | $-371,000 | 12,337 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $-286,000 | 12,427 |
Income before extraordinary items | $-85,000 | 12,140 |
Extraordinary gains, net | $0 | 249 |
Net income | $-85,000 | 12,141 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,602,000 | 458 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $-85,000 | 12,156 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $19,276,000 | 1,633 |
Total interest expense | $7,924,000 | 1,661 |
Net interest income | $11,352,000 | 1,589 |
Provision for loan and lease losses | $3,866,000 | 519 |
Total noninterest income | $9,099,000 | 646 |
Gross Fiduciary activities income | $390,000 | 850 |
Service charges on deposit accounts | $1,547,000 | 842 |
Trading account gains and fees | $2,696,000 | 90 |
Additional Noninterest Income | $4,466,000 | 739 |
Total noninterest expense | $25,650,000 | 693 |
Salaries and employee benefits | $5,802,000 | 1,167 |
Premises and equipment expense | $1,532,000 | 1,395 |
Additional noninterest expense | $18,316,000 | 500 |
Pre-tax net operating income | $-9,065,000 | 13,218 |
Securities gains (losses) | $11,000 | 5,374 |
Applicable income taxes | $-1,026,000 | 13,182 |
Income before extraordinary items | $-8,028,000 | 13,191 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $-8,028,000 | 13,192 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $4,360,000 | 448 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $-8,037,790 | 13,182 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $20,068,000 | 1,760 |
Total interest expense | $8,872,000 | 1,912 |
Net interest income | $11,196,000 | 1,647 |
Provision for loan and lease losses | $6,357,000 | 516 |
Total noninterest income | $10,496,000 | 579 |
Gross Fiduciary activities income | $579,000 | 715 |
Service charges on deposit accounts | $1,365,000 | 956 |
Trading account gains and fees | $2,549,000 | 96 |
Additional Noninterest Income | $6,003,000 | 590 |
Total noninterest expense | $21,076,000 | 804 |
Salaries and employee benefits | $4,389,000 | 1,510 |
Premises and equipment expense | $1,347,000 | 1,579 |
Additional noninterest expense | $15,340,000 | 563 |
Pre-tax net operating income | $-5,741,000 | 13,807 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $-718,000 | 13,796 |
Income before extraordinary items | $-5,023,000 | 13,803 |
Extraordinary gains, net | $683,000 | 158 |
Net income | $-4,340,000 | 13,779 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $3,688,000 | 643 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $-5,023,000 | 13,769 |
* 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.