Home > James River Bank/Colonial > Income and Expense
James River Bank/Colonial, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,624,000 | 2,762 |
| Total interest expense | $5,299,000 | 3,147 |
| Net interest income | $7,325,000 | 2,421 |
| Provision for loan and lease losses | $141,000 | 4,529 |
| Total noninterest income | $1,244,000 | 2,686 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $909,000 | 1,506 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $335,000 | 3,700 |
| Total noninterest expense | $5,818,000 | 2,354 |
| Salaries and employee benefits | $2,433,000 | 2,903 |
| Premises and equipment expense | $764,000 | 2,682 |
| Additional noninterest expense | $2,621,000 | 1,690 |
| Pre-tax net operating income | $2,610,000 | 2,672 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $639,000 | 2,993 |
| Income before extraordinary items | $1,973,000 | 2,606 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,973,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $1,053,000 | 2,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,971,480 | 2,601 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,793,000 | 3,598 |
| Total interest expense | $3,469,000 | 4,083 |
| Net interest income | $5,324,000 | 3,263 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $791,000 | 3,647 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $577,000 | 2,318 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $3,861,000 | 3,419 |
| Salaries and employee benefits | $1,494,000 | 4,360 |
| Premises and equipment expense | $536,000 | 3,560 |
| Additional noninterest expense | $1,831,000 | 2,382 |
| Pre-tax net operating income | $2,104,000 | 3,206 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $544,000 | 3,451 |
| Income before extraordinary items | $1,560,000 | 3,145 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,560,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $1,572,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,560,000 | 3,114 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 3,700 |
| Total interest expense | $3,696,000 | 3,944 |
| Net interest income | $4,841,000 | 3,508 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $693,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $458,000 | 2,762 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $235,000 | 4,550 |
| Total noninterest expense | $3,439,000 | 3,671 |
| Salaries and employee benefits | $1,368,000 | 4,572 |
| Premises and equipment expense | $413,000 | 4,312 |
| Additional noninterest expense | $1,658,000 | 2,516 |
| Pre-tax net operating income | $1,975,000 | 3,376 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $484,000 | 3,921 |
| Income before extraordinary items | $1,491,000 | 3,283 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,491,000 | 3,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $780,000 | 2,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,491,000 | 3,192 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,185,000 | 3,895 |
| Total interest expense | $3,432,000 | 4,206 |
| Net interest income | $4,753,000 | 3,653 |
| Provision for loan and lease losses | $187,000 | 3,587 |
| Total noninterest income | $594,000 | 4,442 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 4,685 |
| Total noninterest expense | $3,399,000 | 3,704 |
| Salaries and employee benefits | $1,577,000 | 4,069 |
| Premises and equipment expense | $351,000 | 4,886 |
| Additional noninterest expense | $1,471,000 | 2,780 |
| Pre-tax net operating income | $1,761,000 | 3,930 |
| Securities gains (losses) | $33,000 | 1,577 |
| Applicable income taxes | $444,000 | 4,575 |
| Income before extraordinary items | $1,350,000 | 3,677 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,350,000 | 3,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $1,165,000 | 1,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,325,250 | 3,666 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,575,000 | 4,239 |
| Total interest expense | $3,211,000 | 4,502 |
| Net interest income | $4,364,000 | 3,990 |
| Provision for loan and lease losses | $186,000 | 3,572 |
| Total noninterest income | $560,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,632 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,222 |
| Total noninterest expense | $2,915,000 | 4,389 |
| Salaries and employee benefits | $1,458,000 | 4,425 |
| Premises and equipment expense | $407,000 | 4,474 |
| Additional noninterest expense | $1,050,000 | 4,233 |
| Pre-tax net operating income | $1,823,000 | 3,672 |
| Securities gains (losses) | $-18,000 | 10,586 |
| Applicable income taxes | $349,000 | 5,337 |
| Income before extraordinary items | $1,456,000 | 3,286 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,456,000 | 3,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,754 |
| Cash dividends | $1,193,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,470,580 | 3,211 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,175,000 | 4,456 |
| Total interest expense | $3,212,000 | 4,467 |
| Net interest income | $3,963,000 | 4,349 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $377,000 | 6,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,662 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,051 |
| Total noninterest expense | $2,596,000 | 4,834 |
| Salaries and employee benefits | $1,374,000 | 4,635 |
| Premises and equipment expense | $400,000 | 4,538 |
| Additional noninterest expense | $822,000 | 5,135 |
| Pre-tax net operating income | $1,648,000 | 4,114 |
| Securities gains (losses) | $-29,000 | 10,820 |
| Applicable income taxes | $375,000 | 5,171 |
| Income before extraordinary items | $1,244,000 | 3,838 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,244,000 | 3,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $995,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,266,330 | 3,746 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 4,545 |
| Total interest expense | $2,666,000 | 4,382 |
| Net interest income | $3,797,000 | 4,588 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $314,000 | 7,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $2,333,000 | 5,482 |
| Salaries and employee benefits | $1,316,000 | 4,817 |
| Premises and equipment expense | $324,000 | 5,382 |
| Additional noninterest expense | $693,000 | 6,375 |
| Pre-tax net operating income | $1,703,000 | 3,956 |
| Securities gains (losses) | $-22,000 | 10,411 |
| Applicable income taxes | $346,000 | 5,323 |
| Income before extraordinary items | $1,335,000 | 3,516 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,335,000 | 3,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 11,414 |
| Cash dividends | $455,000 | 3,424 |
| Sale, conversion, retirement of capital stock, net | $3,267,000 | 230 |
| Net operating income | $1,352,380 | 3,501 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 5,130 |
| Total interest expense | $2,419,000 | 4,965 |
| Net interest income | $3,356,000 | 5,148 |
| Provision for loan and lease losses | $145,000 | 4,744 |
| Total noninterest income | $316,000 | 7,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,348 |
| Total noninterest expense | $2,077,000 | 6,139 |
| Salaries and employee benefits | $1,154,000 | 5,413 |
| Premises and equipment expense | $292,000 | 5,990 |
| Additional noninterest expense | $631,000 | 7,067 |
| Pre-tax net operating income | $1,450,000 | 4,451 |
| Securities gains (losses) | $38,000 | 3,799 |
| Applicable income taxes | $309,000 | 5,964 |
| Income before extraordinary items | $1,179,000 | 4,081 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,179,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 6,277 |
| Cash dividends | $344,000 | 4,051 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 970 |
| Net operating income | $1,148,980 | 3,972 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,354,000 | 6,029 |
| Total interest expense | $2,400,000 | 6,184 |
| Net interest income | $2,954,000 | 5,788 |
| Provision for loan and lease losses | $327,000 | 3,934 |
| Total noninterest income | $285,000 | 7,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,805 |
| Total noninterest expense | $1,797,000 | 6,953 |
| Salaries and employee benefits | $1,013,000 | 5,956 |
| Premises and equipment expense | $248,000 | 6,814 |
| Additional noninterest expense | $536,000 | 8,129 |
| Pre-tax net operating income | $1,115,000 | 5,205 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $896,000 | 4,947 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $896,000 | 5,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 5,195 |
| Cash dividends | $327,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 949 |
| Net operating income | $896,000 | 4,635 |
* 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.