Home > National Bank of Royal Oak > Income and Expense
National Bank of Royal Oak, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,647,000 | 2,648 |
| Total interest expense | $4,465,000 | 3,327 |
| Net interest income | $8,182,000 | 2,200 |
| Provision for loan and lease losses | $350,000 | 2,061 |
| Total noninterest income | $2,157,000 | 1,728 |
| Gross Fiduciary activities income | $51,000 | 1,282 |
| Service charges on deposit accounts | $899,000 | 1,519 |
| Trading account gains and fees | $23,000 | 382 |
| Additional Noninterest Income | $1,184,000 | 1,619 |
| Total noninterest expense | $7,937,000 | 1,765 |
| Salaries and employee benefits | $3,045,000 | 2,181 |
| Premises and equipment expense | $1,150,000 | 1,754 |
| Additional noninterest expense | $3,742,000 | 1,413 |
| Pre-tax net operating income | $2,052,000 | 3,408 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $786,000 | 2,916 |
| Income before extraordinary items | $1,276,000 | 3,748 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,276,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $790,000 | 1,038 |
| Cash dividends | $1,175,000 | 1,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,269,600 | 3,737 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,938,000 | 2,352 |
| Total interest expense | $4,763,000 | 2,574 |
| Net interest income | $8,175,000 | 2,204 |
| Provision for loan and lease losses | $310,000 | 2,192 |
| Total noninterest income | $5,762,000 | 839 |
| Gross Fiduciary activities income | $15,000 | 1,445 |
| Service charges on deposit accounts | $1,450,000 | 903 |
| Trading account gains and fees | $6,000 | 402 |
| Additional Noninterest Income | $4,291,000 | 699 |
| Total noninterest expense | $13,064,000 | 1,150 |
| Salaries and employee benefits | $3,733,000 | 1,804 |
| Premises and equipment expense | $1,305,000 | 1,578 |
| Additional noninterest expense | $8,026,000 | 822 |
| Pre-tax net operating income | $563,000 | 8,230 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $162,000 | 8,073 |
| Income before extraordinary items | $396,000 | 8,230 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $396,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-344,000 | 12,493 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $399,550 | 8,247 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,180,000 | 8,046 |
| Total interest expense | $1,199,000 | 8,251 |
| Net interest income | $1,981,000 | 7,734 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $1,599,000 | 2,318 |
| Gross Fiduciary activities income | $5,000 | 1,560 |
| Service charges on deposit accounts | $388,000 | 3,542 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,206,000 | 1,805 |
| Total noninterest expense | $2,906,000 | 4,647 |
| Salaries and employee benefits | $949,000 | 6,417 |
| Premises and equipment expense | $369,000 | 5,029 |
| Additional noninterest expense | $1,588,000 | 3,337 |
| Pre-tax net operating income | $584,000 | 8,056 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $194,000 | 7,729 |
| Income before extraordinary items | $390,000 | 8,537 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $390,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $390,000 | 8,269 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,982,000 | 2,515 |
| Total interest expense | $6,640,000 | 2,546 |
| Net interest income | $7,342,000 | 2,471 |
| Provision for loan and lease losses | $537,000 | 2,852 |
| Total noninterest income | $3,663,000 | 1,223 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,149,000 | 1,153 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,514,000 | 1,079 |
| Total noninterest expense | $10,007,000 | 1,536 |
| Salaries and employee benefits | $3,411,000 | 1,926 |
| Premises and equipment expense | $1,176,000 | 1,797 |
| Additional noninterest expense | $5,420,000 | 1,227 |
| Pre-tax net operating income | $461,000 | 8,708 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $-122,000 | 13,602 |
| Income before extraordinary items | $601,000 | 6,572 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $601,000 | 6,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 1,945 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $583,000 | 6,329 |
* 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.