Home > James River Bank > Income and Expense
James River Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,963,000 | 4,606 |
| Total interest expense | $2,682,000 | 5,323 |
| Net interest income | $4,281,000 | 3,953 |
| Provision for loan and lease losses | $87,000 | 5,609 |
| Total noninterest income | $759,000 | 3,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $339,000 | 3,675 |
| Total noninterest expense | $3,381,000 | 3,832 |
| Salaries and employee benefits | $1,263,000 | 4,993 |
| Premises and equipment expense | $485,000 | 3,886 |
| Additional noninterest expense | $1,633,000 | 2,612 |
| Pre-tax net operating income | $1,572,000 | 3,940 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $390,000 | 4,021 |
| Income before extraordinary items | $1,182,000 | 3,899 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,182,000 | 3,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $689,000 | 2,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,182,000 | 3,886 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 4,818 |
| Total interest expense | $2,527,000 | 5,159 |
| Net interest income | $3,717,000 | 4,443 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $786,000 | 3,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $416,000 | 3,321 |
| Total noninterest expense | $3,766,000 | 3,498 |
| Salaries and employee benefits | $1,625,000 | 4,068 |
| Premises and equipment expense | $548,000 | 3,501 |
| Additional noninterest expense | $1,593,000 | 2,720 |
| Pre-tax net operating income | $701,000 | 6,315 |
| Securities gains (losses) | $14,000 | 1,577 |
| Applicable income taxes | $72,000 | 7,308 |
| Income before extraordinary items | $643,000 | 5,705 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $643,000 | 5,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,834 |
| Cash dividends | $338,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $630,400 | 5,724 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,285,000 | 4,832 |
| Total interest expense | $2,728,000 | 5,059 |
| Net interest income | $3,557,000 | 4,534 |
| Provision for loan and lease losses | $69,000 | 5,910 |
| Total noninterest income | $499,000 | 4,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 3,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,908 |
| Total noninterest expense | $2,784,000 | 4,394 |
| Salaries and employee benefits | $1,039,000 | 5,626 |
| Premises and equipment expense | $437,000 | 4,120 |
| Additional noninterest expense | $1,308,000 | 3,112 |
| Pre-tax net operating income | $1,203,000 | 4,874 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $276,000 | 5,402 |
| Income before extraordinary items | $939,000 | 4,689 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $939,000 | 4,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,888 |
| Cash dividends | $3,133,000 | 943 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $929,760 | 4,639 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,176,000 | 4,948 |
| Total interest expense | $2,770,000 | 5,018 |
| Net interest income | $3,406,000 | 4,825 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $363,000 | 6,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,347 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,461 |
| Total noninterest expense | $2,846,000 | 4,276 |
| Salaries and employee benefits | $1,084,000 | 5,543 |
| Premises and equipment expense | $477,000 | 3,870 |
| Additional noninterest expense | $1,285,000 | 3,141 |
| Pre-tax net operating income | $887,000 | 6,192 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $189,000 | 7,036 |
| Income before extraordinary items | $700,000 | 5,908 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $700,000 | 5,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 10,357 |
| Cash dividends | $348,000 | 4,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $698,420 | 5,868 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 5,456 |
| Total interest expense | $2,681,000 | 5,252 |
| Net interest income | $2,903,000 | 5,577 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $298,000 | 6,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,466 |
| Total noninterest expense | $2,444,000 | 5,090 |
| Salaries and employee benefits | $998,000 | 5,996 |
| Premises and equipment expense | $444,000 | 4,162 |
| Additional noninterest expense | $1,002,000 | 4,400 |
| Pre-tax net operating income | $757,000 | 6,672 |
| Securities gains (losses) | $60,000 | 1,226 |
| Applicable income taxes | $213,000 | 6,931 |
| Income before extraordinary items | $604,000 | 6,249 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $604,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,609 |
| Cash dividends | $848,000 | 2,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $559,600 | 6,442 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,148,000 | 6,842 |
| Total interest expense | $1,519,000 | 7,645 |
| Net interest income | $2,629,000 | 6,087 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $223,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $1,739,000 | 6,626 |
| Salaries and employee benefits | $715,000 | 7,625 |
| Premises and equipment expense | $312,000 | 5,461 |
| Additional noninterest expense | $712,000 | 5,759 |
| Pre-tax net operating income | $1,113,000 | 5,559 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $263,000 | 6,470 |
| Income before extraordinary items | $828,000 | 5,312 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $828,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $655,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $844,720 | 5,224 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,944,000 | 6,774 |
| Total interest expense | $1,374,000 | 7,294 |
| Net interest income | $2,570,000 | 6,324 |
| Provision for loan and lease losses | $225,000 | 2,816 |
| Total noninterest income | $317,000 | 7,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $1,555,000 | 7,431 |
| Salaries and employee benefits | $730,000 | 7,673 |
| Premises and equipment expense | $212,000 | 7,183 |
| Additional noninterest expense | $613,000 | 6,940 |
| Pre-tax net operating income | $1,107,000 | 5,547 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $266,000 | 6,308 |
| Income before extraordinary items | $841,000 | 5,164 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $841,000 | 5,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $315,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $841,000 | 5,224 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,205,000 | 6,628 |
| Total interest expense | $1,529,000 | 7,114 |
| Net interest income | $2,676,000 | 6,209 |
| Provision for loan and lease losses | $174,000 | 4,292 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $1,543,000 | 7,682 |
| Salaries and employee benefits | $751,000 | 7,635 |
| Premises and equipment expense | $189,000 | 7,917 |
| Additional noninterest expense | $603,000 | 7,303 |
| Pre-tax net operating income | $1,201,000 | 5,178 |
| Securities gains (losses) | $102,000 | 2,479 |
| Applicable income taxes | $319,000 | 5,845 |
| Income before extraordinary items | $984,000 | 4,765 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $984,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $906,480 | 4,842 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,312,000 | 7,117 |
| Total interest expense | $1,917,000 | 7,309 |
| Net interest income | $2,395,000 | 6,803 |
| Provision for loan and lease losses | $220,000 | 4,962 |
| Total noninterest income | $236,000 | 8,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,151 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $1,368,000 | 8,412 |
| Salaries and employee benefits | $676,000 | 8,174 |
| Premises and equipment expense | $178,000 | 8,364 |
| Additional noninterest expense | $514,000 | 8,322 |
| Pre-tax net operating income | $1,043,000 | 5,464 |
| Securities gains (losses) | $127,000 | 2,628 |
| Applicable income taxes | $239,000 | 6,848 |
| Income before extraordinary items | $931,000 | 4,803 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $931,000 | 4,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 7,355 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $829,400 | 4,921 |
* 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.