Home > Railroad Savings Bank, F.S.B. > Income and Expense
Railroad Savings Bank, F.S.B., Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,990,000 | 938 |
| Total interest expense | $19,253,000 | 741 |
| Net interest income | $14,737,000 | 1,235 |
| Provision for loan and lease losses | $375,000 | 1,906 |
| Total noninterest income | $5,301,000 | 892 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $5,301,000 | 622 |
| Total noninterest expense | $13,242,000 | 1,133 |
| Salaries and employee benefits | $7,641,000 | 895 |
| Premises and equipment expense | $2,208,000 | 968 |
| Additional noninterest expense | $3,393,000 | 1,631 |
| Pre-tax net operating income | $6,421,000 | 1,173 |
| Securities gains (losses) | $-1,861,000 | 12,473 |
| Applicable income taxes | $2,169,000 | 1,116 |
| Income before extraordinary items | $2,391,000 | 2,045 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,391,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,917 |
| Cash dividends | $1,522,000 | 1,389 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 476 |
| Net operating income | $3,582,040 | 1,407 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,597,000 | 1,151 |
| Total interest expense | $15,389,000 | 916 |
| Net interest income | $12,208,000 | 1,484 |
| Provision for loan and lease losses | $215,000 | 3,749 |
| Total noninterest income | $3,642,000 | 1,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,642,000 | 843 |
| Total noninterest expense | $9,460,000 | 1,599 |
| Salaries and employee benefits | $5,019,000 | 1,338 |
| Premises and equipment expense | $1,439,000 | 1,476 |
| Additional noninterest expense | $3,002,000 | 1,906 |
| Pre-tax net operating income | $6,175,000 | 1,125 |
| Securities gains (losses) | $915,000 | 574 |
| Applicable income taxes | $2,570,000 | 980 |
| Income before extraordinary items | $4,520,000 | 1,147 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,520,000 | 1,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,480 |
| Cash dividends | $687,000 | 2,421 |
| Sale, conversion, retirement of capital stock, net | $267,000 | 729 |
| Net operating income | $3,934,400 | 1,203 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $31,303,000 | 1,171 |
| Total interest expense | $19,407,000 | 932 |
| Net interest income | $11,896,000 | 1,550 |
| Provision for loan and lease losses | $350,000 | 3,771 |
| Total noninterest income | $2,953,000 | 1,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,953,000 | 968 |
| Total noninterest expense | $8,548,000 | 1,775 |
| Salaries and employee benefits | $4,318,000 | 1,540 |
| Premises and equipment expense | $1,304,000 | 1,637 |
| Additional noninterest expense | $2,926,000 | 2,033 |
| Pre-tax net operating income | $5,951,000 | 1,094 |
| Securities gains (losses) | $-19,000 | 13,465 |
| Applicable income taxes | $2,159,000 | 1,051 |
| Income before extraordinary items | $3,773,000 | 1,242 |
| Extraordinary gains, net | $794,000 | 148 |
| Net income | $4,567,000 | 1,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 4,479 |
| Cash dividends | $230,000 | 4,689 |
| Sale, conversion, retirement of capital stock, net | $5,285,000 | 161 |
| Net operating income | $3,785,160 | 1,147 |
* 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.