Home > Bank of Ripley > Income and Expense

Bank of Ripley, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$5,973,000	5,202
Total interest expense	$2,732,000	5,177
Net interest income	$3,241,000	5,141
Provision for loan and lease losses	$66,000	5,953
Total noninterest income	$223,000	7,926
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,844
Total noninterest expense	$1,644,000	6,727
Salaries and employee benefits	$875,000	6,582
Premises and equipment expense	$168,000	7,663
Additional noninterest expense	$601,000	6,350
Pre-tax net operating income	$1,754,000	3,806
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$598,000	3,602
Income before extraordinary items	$1,160,000	3,979
Extraordinary gains, net	$0	53
Net income	$1,160,000	3,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,926
Cash dividends	$775,000	2,561
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,157,360	3,940
1995-12-31 (YTD Data)		Rank
Total interest income	$5,473,000	5,607
Total interest expense	$2,511,000	5,547
Net interest income	$2,962,000	5,554
Provision for loan and lease losses	$55,000	6,005
Total noninterest income	$231,000	7,982
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	6,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	7,598
Total noninterest expense	$1,580,000	7,033
Salaries and employee benefits	$925,000	6,435
Premises and equipment expense	$160,000	8,033
Additional noninterest expense	$495,000	7,293
Pre-tax net operating income	$1,558,000	4,318
Securities gains (losses)	$0	3,831
Applicable income taxes	$513,000	4,116
Income before extraordinary items	$1,045,000	4,420
Extraordinary gains, net	$0	65
Net income	$1,045,000	4,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	5,457
Cash dividends	$550,000	3,104
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,045,000	4,414
1994-12-31 (YTD Data)		Rank
Total interest income	$4,768,000	5,879
Total interest expense	$1,896,000	5,843
Net interest income	$2,872,000	5,794
Provision for loan and lease losses	$78,000	5,081
Total noninterest income	$221,000	8,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	7,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,774
Total noninterest expense	$1,639,000	7,171
Salaries and employee benefits	$819,000	7,089
Premises and equipment expense	$115,000	9,543
Additional noninterest expense	$705,000	6,278
Pre-tax net operating income	$1,376,000	4,733
Securities gains (losses)	$-15,000	10,127
Applicable income taxes	$444,000	4,438
Income before extraordinary items	$917,000	4,835
Extraordinary gains, net	$0	249
Net income	$917,000	4,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,270
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$927,050	4,839
1993-12-31 (YTD Data)		Rank
Total interest income	$4,574,000	6,224
Total interest expense	$1,957,000	5,938
Net interest income	$2,617,000	6,321
Provision for loan and lease losses	$140,000	4,819
Total noninterest income	$193,000	9,352
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	7,832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	8,943
Total noninterest expense	$1,547,000	7,665
Salaries and employee benefits	$757,000	7,597
Premises and equipment expense	$116,000	9,911
Additional noninterest expense	$674,000	6,756
Pre-tax net operating income	$1,123,000	5,435
Securities gains (losses)	$19,000	4,737
Applicable income taxes	$353,000	5,462
Income before extraordinary items	$789,000	5,622
Extraordinary gains, net	$-9,000	12,296
Net income	$780,000	5,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	5,636
Cash dividends	$900,000	1,932
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$775,890	5,461
1992-12-31 (YTD Data)		Rank
Total interest income	$4,470,000	6,938
Total interest expense	$2,208,000	6,603
Net interest income	$2,262,000	7,089
Provision for loan and lease losses	$131,000	6,478
Total noninterest income	$183,000	9,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,916
Total noninterest expense	$1,516,000	7,858
Salaries and employee benefits	$765,000	7,506
Premises and equipment expense	$119,000	10,050
Additional noninterest expense	$632,000	7,237
Pre-tax net operating income	$798,000	6,574
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$244,000	6,757
Income before extraordinary items	$558,000	6,864
Extraordinary gains, net	$0	1,422
Net income	$558,000	6,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	5,790
Cash dividends	$311,000	3,922
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$555,200	6,525

* 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.