Home > First Ridge Farm State Bank > Income and Expense
First Ridge Farm State Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 8,304 |
| Total interest expense | $334,000 | 8,100 |
| Net interest income | $686,000 | 8,315 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $99,000 | 8,038 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $48,000 | 7,257 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,188 |
| Total noninterest expense | $437,000 | 8,699 |
| Salaries and employee benefits | $214,000 | 8,829 |
| Premises and equipment expense | $40,000 | 8,754 |
| Additional noninterest expense | $183,000 | 8,155 |
| Pre-tax net operating income | $348,000 | 6,956 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $76,000 | 5,850 |
| Income before extraordinary items | $272,000 | 7,103 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $272,000 | 7,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,239 |
| Cash dividends | $79,000 | 4,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $272,000 | 6,940 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $653,000 | 8,429 |
| Total interest expense | $227,000 | 8,162 |
| Net interest income | $426,000 | 8,435 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $71,000 | 7,950 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $23,000 | 7,567 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $48,000 | 6,645 |
| Total noninterest expense | $295,000 | 8,698 |
| Salaries and employee benefits | $147,000 | 8,829 |
| Premises and equipment expense | $27,000 | 8,765 |
| Additional noninterest expense | $121,000 | 8,157 |
| Pre-tax net operating income | $202,000 | 7,200 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $39,000 | 6,120 |
| Income before extraordinary items | $163,000 | 7,316 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $163,000 | 7,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $76,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $163,000 | 7,135 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $318,000 | 8,536 |
| Total interest expense | $115,000 | 8,239 |
| Net interest income | $203,000 | 8,541 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $36,000 | 7,906 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $163,000 | 8,629 |
| Salaries and employee benefits | $80,000 | 8,774 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $68,000 | 7,999 |
| Pre-tax net operating income | $76,000 | 7,593 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $66,000 | 7,568 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $66,000 | 7,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $66,000 | 7,414 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,461,000 | 8,427 |
| Total interest expense | $539,000 | 8,278 |
| Net interest income | $922,000 | 8,392 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $185,000 | 7,468 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $57,000 | 7,406 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $128,000 | 5,935 |
| Total noninterest expense | $614,000 | 8,736 |
| Salaries and employee benefits | $304,000 | 8,882 |
| Premises and equipment expense | $58,000 | 8,777 |
| Additional noninterest expense | $252,000 | 8,160 |
| Pre-tax net operating income | $493,000 | 6,786 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $116,000 | 5,820 |
| Income before extraordinary items | $377,000 | 6,946 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $377,000 | 6,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $130,000 | 5,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $377,000 | 6,823 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,700,000 | 8,525 |
| Total interest expense | $947,000 | 8,130 |
| Net interest income | $753,000 | 8,767 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $132,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $56,000 | 7,471 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $76,000 | 6,985 |
| Total noninterest expense | $596,000 | 8,944 |
| Salaries and employee benefits | $272,000 | 9,169 |
| Premises and equipment expense | $60,000 | 8,978 |
| Additional noninterest expense | $264,000 | 8,120 |
| Pre-tax net operating income | $286,000 | 7,481 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $20,000 | 7,319 |
| Income before extraordinary items | $266,000 | 7,337 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $266,000 | 7,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,148 |
| Cash dividends | $123,000 | 5,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $266,000 | 7,221 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 8,644 |
| Total interest expense | $1,013,000 | 8,194 |
| Net interest income | $771,000 | 8,968 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $84,000 | 8,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $542,000 | 9,283 |
| Salaries and employee benefits | $263,000 | 9,410 |
| Premises and equipment expense | $67,000 | 9,037 |
| Additional noninterest expense | $212,000 | 8,676 |
| Pre-tax net operating income | $268,000 | 8,035 |
| Securities gains (losses) | $16,000 | 1,014 |
| Applicable income taxes | $35,000 | 7,503 |
| Income before extraordinary items | $249,000 | 7,778 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $249,000 | 7,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $122,000 | 5,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $234,920 | 7,872 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,682,000 | 8,851 |
| Total interest expense | $871,000 | 8,519 |
| Net interest income | $811,000 | 9,039 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $82,000 | 9,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 7,941 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $546,000 | 9,478 |
| Salaries and employee benefits | $298,000 | 9,477 |
| Premises and equipment expense | $58,000 | 9,477 |
| Additional noninterest expense | $190,000 | 9,131 |
| Pre-tax net operating income | $287,000 | 8,166 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $34,000 | 7,921 |
| Income before extraordinary items | $253,000 | 7,918 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $253,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,263 |
| Cash dividends | $515,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $253,000 | 7,890 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 8,893 |
| Total interest expense | $986,000 | 8,459 |
| Net interest income | $841,000 | 9,159 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $65,000 | 9,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 8,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,437 |
| Total noninterest expense | $610,000 | 9,397 |
| Salaries and employee benefits | $316,000 | 9,532 |
| Premises and equipment expense | $67,000 | 9,419 |
| Additional noninterest expense | $227,000 | 8,823 |
| Pre-tax net operating income | $236,000 | 8,734 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $23,000 | 8,827 |
| Income before extraordinary items | $215,000 | 8,513 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $215,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $369,000 | 4,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $213,200 | 8,448 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 9,128 |
| Total interest expense | $966,000 | 8,784 |
| Net interest income | $942,000 | 9,321 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $115,000 | 9,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,409 |
| Total noninterest expense | $587,000 | 9,805 |
| Salaries and employee benefits | $303,000 | 9,936 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $223,000 | 9,142 |
| Pre-tax net operating income | $380,000 | 8,552 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $41,000 | 9,392 |
| Income before extraordinary items | $347,000 | 8,018 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $347,000 | 8,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $120,000 | 6,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $339,880 | 8,030 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 9,367 |
| Total interest expense | $1,062,000 | 8,811 |
| Net interest income | $944,000 | 9,714 |
| Provision for loan and lease losses | $95,000 | 5,238 |
| Total noninterest income | $59,000 | 10,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 9,170 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $581,000 | 10,248 |
| Salaries and employee benefits | $287,000 | 10,457 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $234,000 | 9,568 |
| Pre-tax net operating income | $327,000 | 8,949 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $53,000 | 9,640 |
| Income before extraordinary items | $276,000 | 8,624 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $276,000 | 8,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,457 |
| Cash dividends | $85,000 | 6,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $274,320 | 8,568 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,925,000 | 9,847 |
| Total interest expense | $1,082,000 | 8,955 |
| Net interest income | $843,000 | 10,407 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $58,000 | 11,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $570,000 | 10,707 |
| Salaries and employee benefits | $274,000 | 10,966 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $250,000 | 9,821 |
| Pre-tax net operating income | $271,000 | 9,965 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $-38,000 | 11,615 |
| Income before extraordinary items | $311,000 | 8,824 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $311,000 | 8,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $309,000 | 8,813 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 11,201 |
| Total interest expense | $572,000 | 10,732 |
| Net interest income | $698,000 | 11,386 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $53,000 | 11,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 10,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $506,000 | 11,592 |
| Salaries and employee benefits | $239,000 | 11,761 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $216,000 | 10,940 |
| Pre-tax net operating income | $230,000 | 10,657 |
| Securities gains (losses) | $-10,000 | 9,836 |
| Applicable income taxes | $33,000 | 10,861 |
| Income before extraordinary items | $187,000 | 10,430 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $187,000 | 10,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $68,000 | 7,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $195,500 | 10,375 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 11,840 |
| Total interest expense | $597,000 | 11,170 |
| Net interest income | $626,000 | 12,123 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $61,000 | 12,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 10,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $513,000 | 12,098 |
| Salaries and employee benefits | $248,000 | 12,209 |
| Premises and equipment expense | $76,000 | 11,310 |
| Additional noninterest expense | $189,000 | 11,881 |
| Pre-tax net operating income | $174,000 | 11,279 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $40,000 | 11,152 |
| Income before extraordinary items | $136,000 | 11,381 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $136,000 | 11,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 12,473 |
| Cash dividends | $62,000 | 7,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $134,460 | 11,192 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 12,264 |
| Total interest expense | $688,000 | 11,877 |
| Net interest income | $676,000 | 12,412 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $77,000 | 12,360 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $450,000 | 12,898 |
| Salaries and employee benefits | $223,000 | 12,899 |
| Premises and equipment expense | $72,000 | 11,802 |
| Additional noninterest expense | $155,000 | 12,864 |
| Pre-tax net operating income | $303,000 | 10,107 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $107,000 | 9,719 |
| Income before extraordinary items | $196,000 | 10,652 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $196,000 | 10,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $57,000 | 7,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $196,000 | 10,315 |
* 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.