Home > Raccoon Valley State Bank > Income and Expense
Raccoon Valley State Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 5,512 |
| Total interest expense | $1,141,000 | 4,959 |
| Net interest income | $2,019,000 | 5,688 |
| Provision for loan and lease losses | $1,442,000 | 671 |
| Total noninterest income | $370,000 | 5,500 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $201,000 | 4,599 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,000 | 5,145 |
| Total noninterest expense | $1,733,000 | 5,480 |
| Salaries and employee benefits | $870,000 | 5,723 |
| Premises and equipment expense | $300,000 | 4,713 |
| Additional noninterest expense | $563,000 | 5,236 |
| Pre-tax net operating income | $-786,000 | 9,036 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-39,000 | 8,999 |
| Income before extraordinary items | $-747,000 | 9,090 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-747,000 | 9,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $955,000 | 721 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 337 |
| Net operating income | $-747,000 | 9,040 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 5,553 |
| Total interest expense | $806,000 | 4,903 |
| Net interest income | $1,310,000 | 5,766 |
| Provision for loan and lease losses | $912,000 | 685 |
| Total noninterest income | $251,000 | 5,454 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $133,000 | 4,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $116,000 | 5,059 |
| Total noninterest expense | $1,153,000 | 5,482 |
| Salaries and employee benefits | $580,000 | 5,730 |
| Premises and equipment expense | $192,000 | 4,823 |
| Additional noninterest expense | $381,000 | 5,183 |
| Pre-tax net operating income | $-504,000 | 9,067 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-25,000 | 9,044 |
| Income before extraordinary items | $-479,000 | 9,128 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-479,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $852,000 | 573 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 230 |
| Net operating income | $-479,000 | 9,071 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 5,588 |
| Total interest expense | $425,000 | 4,854 |
| Net interest income | $633,000 | 5,883 |
| Provision for loan and lease losses | $795,000 | 449 |
| Total noninterest income | $122,000 | 5,426 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $67,000 | 4,483 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 5,123 |
| Total noninterest expense | $578,000 | 5,468 |
| Salaries and employee benefits | $295,000 | 5,676 |
| Premises and equipment expense | $98,000 | 4,773 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $-618,000 | 9,228 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-31,000 | 9,142 |
| Income before extraordinary items | $-587,000 | 9,257 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-587,000 | 9,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $756,000 | 373 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 114 |
| Net operating income | $-587,000 | 9,219 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,562,000 | 5,492 |
| Total interest expense | $1,928,000 | 4,918 |
| Net interest income | $2,634,000 | 5,735 |
| Provision for loan and lease losses | $257,000 | 3,796 |
| Total noninterest income | $499,000 | 5,227 |
| Gross Fiduciary activities income | $21,000 | 1,274 |
| Service charges on deposit accounts | $268,000 | 4,521 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $210,000 | 4,923 |
| Total noninterest expense | $2,260,000 | 5,451 |
| Salaries and employee benefits | $1,102,000 | 5,800 |
| Premises and equipment expense | $440,000 | 4,333 |
| Additional noninterest expense | $718,000 | 5,325 |
| Pre-tax net operating income | $616,000 | 6,368 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $31,000 | 6,824 |
| Income before extraordinary items | $585,000 | 6,031 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $585,000 | 6,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,681 |
| Cash dividends | $306,000 | 4,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $585,000 | 5,890 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,543,000 | 5,938 |
| Total interest expense | $2,315,000 | 5,640 |
| Net interest income | $2,228,000 | 6,087 |
| Provision for loan and lease losses | $99,000 | 5,644 |
| Total noninterest income | $464,000 | 5,272 |
| Gross Fiduciary activities income | $4,000 | 1,566 |
| Service charges on deposit accounts | $245,000 | 4,685 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $215,000 | 4,781 |
| Total noninterest expense | $1,926,000 | 5,882 |
| Salaries and employee benefits | $971,000 | 6,089 |
| Premises and equipment expense | $303,000 | 5,484 |
| Additional noninterest expense | $652,000 | 5,533 |
| Pre-tax net operating income | $667,000 | 5,934 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $33,000 | 7,012 |
| Income before extraordinary items | $634,000 | 5,475 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $634,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $339,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $634,000 | 5,355 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,380,000 | 6,179 |
| Total interest expense | $2,208,000 | 5,969 |
| Net interest income | $2,172,000 | 6,314 |
| Provision for loan and lease losses | $212,000 | 3,614 |
| Total noninterest income | $433,000 | 5,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,596 |
| Total noninterest expense | $1,594,000 | 6,500 |
| Salaries and employee benefits | $797,000 | 6,741 |
| Premises and equipment expense | $250,000 | 6,046 |
| Additional noninterest expense | $547,000 | 6,088 |
| Pre-tax net operating income | $799,000 | 5,872 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $40,000 | 7,410 |
| Income before extraordinary items | $759,000 | 5,207 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $759,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $531,000 | 3,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $759,000 | 5,198 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 6,602 |
| Total interest expense | $1,726,000 | 6,496 |
| Net interest income | $1,984,000 | 6,682 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $274,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,776 |
| Total noninterest expense | $1,508,000 | 6,761 |
| Salaries and employee benefits | $734,000 | 7,052 |
| Premises and equipment expense | $236,000 | 6,244 |
| Additional noninterest expense | $538,000 | 6,235 |
| Pre-tax net operating income | $730,000 | 6,209 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $44,000 | 7,746 |
| Income before extraordinary items | $686,000 | 5,521 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $686,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $431,000 | 3,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $686,000 | 5,483 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,544,000 | 6,905 |
| Total interest expense | $1,638,000 | 6,900 |
| Net interest income | $1,906,000 | 6,842 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $268,000 | 6,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,673 |
| Total noninterest expense | $1,383,000 | 7,009 |
| Salaries and employee benefits | $668,000 | 7,382 |
| Premises and equipment expense | $219,000 | 6,441 |
| Additional noninterest expense | $496,000 | 6,473 |
| Pre-tax net operating income | $791,000 | 6,132 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $180,000 | 6,423 |
| Income before extraordinary items | $611,000 | 5,999 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $611,000 | 5,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,129 |
| Cash dividends | $325,000 | 4,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $611,000 | 5,892 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 7,169 |
| Total interest expense | $1,534,000 | 7,266 |
| Net interest income | $1,963,000 | 6,990 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $259,000 | 7,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,331,000 | 7,231 |
| Salaries and employee benefits | $615,000 | 7,815 |
| Premises and equipment expense | $206,000 | 6,745 |
| Additional noninterest expense | $510,000 | 6,423 |
| Pre-tax net operating income | $866,000 | 6,266 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $311,000 | 5,624 |
| Income before extraordinary items | $555,000 | 6,639 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $555,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,186 |
| Cash dividends | $210,000 | 5,261 |
| Sale, conversion, retirement of capital stock, net | $-406,000 | 10,826 |
| Net operating income | $555,000 | 6,581 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,116,000 | 7,859 |
| Total interest expense | $1,452,000 | 7,689 |
| Net interest income | $1,664,000 | 7,869 |
| Provision for loan and lease losses | $57,000 | 6,361 |
| Total noninterest income | $264,000 | 7,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,929 |
| Total noninterest expense | $1,169,000 | 8,069 |
| Salaries and employee benefits | $576,000 | 8,286 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $397,000 | 7,901 |
| Pre-tax net operating income | $702,000 | 6,922 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $249,000 | 6,469 |
| Income before extraordinary items | $453,000 | 7,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $453,000 | 7,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,157 |
| Cash dividends | $188,000 | 5,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $453,000 | 7,165 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 8,091 |
| Total interest expense | $1,477,000 | 7,763 |
| Net interest income | $1,598,000 | 8,263 |
| Provision for loan and lease losses | $102,000 | 4,548 |
| Total noninterest income | $271,000 | 7,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,550 |
| Total noninterest expense | $1,196,000 | 8,224 |
| Salaries and employee benefits | $569,000 | 8,570 |
| Premises and equipment expense | $189,000 | 7,403 |
| Additional noninterest expense | $438,000 | 7,823 |
| Pre-tax net operating income | $571,000 | 8,046 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $208,000 | 7,291 |
| Income before extraordinary items | $363,000 | 8,362 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $363,000 | 8,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $141,000 | 6,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $363,000 | 8,342 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 8,367 |
| Total interest expense | $1,141,000 | 8,139 |
| Net interest income | $1,674,000 | 8,369 |
| Provision for loan and lease losses | $252,000 | 2,578 |
| Total noninterest income | $257,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,512 |
| Total noninterest expense | $1,159,000 | 8,771 |
| Salaries and employee benefits | $561,000 | 8,878 |
| Premises and equipment expense | $183,000 | 7,795 |
| Additional noninterest expense | $415,000 | 8,674 |
| Pre-tax net operating income | $520,000 | 8,520 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $335,000 | 8,772 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $335,000 | 8,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,137 |
| Cash dividends | $329,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $335,000 | 8,829 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,729,000 | 8,777 |
| Total interest expense | $1,078,000 | 8,769 |
| Net interest income | $1,651,000 | 8,640 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $253,000 | 8,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $1,106,000 | 9,308 |
| Salaries and employee benefits | $511,000 | 9,565 |
| Premises and equipment expense | $169,000 | 8,403 |
| Additional noninterest expense | $426,000 | 8,967 |
| Pre-tax net operating income | $798,000 | 6,823 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $296,000 | 6,131 |
| Income before extraordinary items | $502,000 | 7,534 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $502,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 12,387 |
| Cash dividends | $353,000 | 3,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $502,000 | 7,283 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 9,179 |
| Total interest expense | $1,330,000 | 9,122 |
| Net interest income | $1,554,000 | 9,097 |
| Provision for loan and lease losses | $40,000 | 9,471 |
| Total noninterest income | $301,000 | 7,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,335 |
| Total noninterest expense | $1,043,000 | 9,784 |
| Salaries and employee benefits | $495,000 | 9,829 |
| Premises and equipment expense | $174,000 | 8,469 |
| Additional noninterest expense | $374,000 | 9,895 |
| Pre-tax net operating income | $773,000 | 6,695 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $286,000 | 6,127 |
| Income before extraordinary items | $487,000 | 7,442 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $487,000 | 7,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 7,638 |
| Cash dividends | $266,000 | 4,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $487,000 | 7,072 |
* 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.