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Randleman Savings Bank, SSB, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,174,0009,690
Total interest expense$669,0009,276
Net interest income$505,0009,910
Provision for loan and lease losses$08,652
Total noninterest income$13,00010,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,085
Trading account gains and feesNANA
Additional Noninterest Income$13,0009,838
Total noninterest expense$427,0009,982
Salaries and employee benefits$200,00010,105
Premises and equipment expense$34,00010,124
Additional noninterest expense$193,0009,189
Pre-tax net operating income$91,0009,450
Securities gains (losses)$04,449
Applicable income taxes$17,0008,941
Income before extraordinary items$74,0009,499
Extraordinary gains, net$032
Net income$74,0009,498
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$74,0009,433
1997-12-31 (YTD Data)Rank
Total interest income$1,194,00010,072
Total interest expense$662,0009,646
Net interest income$532,00010,317
Provision for loan and lease losses$08,829
Total noninterest income$5,00010,835
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$5,00010,669
Total noninterest expense$401,00010,474
Salaries and employee benefits$262,00010,196
Premises and equipment expense$34,00010,554
Additional noninterest expense$105,00010,492
Pre-tax net operating income$136,0009,917
Securities gains (losses)$03,944
Applicable income taxes$27,0009,605
Income before extraordinary items$109,0009,904
Extraordinary gains, net$044
Net income$109,0009,905
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$109,0009,865
1996-12-31 (YTD Data)Rank
Total interest income$1,162,00010,576
Total interest expense$615,00010,234
Net interest income$547,00010,780
Provision for loan and lease losses$2,0008,964
Total noninterest income$4,00011,362
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$4,00011,246
Total noninterest expense$466,00010,720
Salaries and employee benefits$215,00010,935
Premises and equipment expense$40,00010,910
Additional noninterest expense$211,0009,812
Pre-tax net operating income$83,00010,460
Securities gains (losses)$04,148
Applicable income taxes$24,00010,128
Income before extraordinary items$59,00010,525
Extraordinary gains, net$053
Net income$59,00010,524
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$59,00010,478
1995-12-31 (YTD Data)Rank
Total interest income$1,133,00011,066
Total interest expense$589,00010,706
Net interest income$544,00011,292
Provision for loan and lease losses$08,958
Total noninterest income$27,00011,697
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$27,00010,452
Total noninterest expense$420,00011,365
Salaries and employee benefits$190,00011,544
Premises and equipment expense$76,00010,320
Additional noninterest expense$154,00011,009
Pre-tax net operating income$151,00010,768
Securities gains (losses)$03,831
Applicable income taxes$54,00010,109
Income before extraordinary items$97,00010,955
Extraordinary gains, net$065
Net income$97,00010,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$97,00010,930
1994-12-31 (YTD Data)Rank
Total interest income$1,100,00011,529
Total interest expense$527,00010,977
Net interest income$573,00011,791
Provision for loan and lease losses$2,0009,032
Total noninterest income$18,00012,402
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$18,00011,564
Total noninterest expense$374,00012,135
Salaries and employee benefits$196,00012,089
Premises and equipment expense$76,00010,773
Additional noninterest expense$102,00012,270
Pre-tax net operating income$215,00010,770
Securities gains (losses)$03,600
Applicable income taxes$83,0009,725
Income before extraordinary items$132,00011,039
Extraordinary gains, net$0249
Net income$132,00011,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$132,00011,091
1993-12-31 (YTD Data)Rank
Total interest income$1,133,00012,018
Total interest expense$566,00011,330
Net interest income$567,00012,338
Provision for loan and lease losses$1,00010,323
Total noninterest income$26,00012,995
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$26,00011,580
Total noninterest expense$348,00012,836
Salaries and employee benefits$164,00012,890
Premises and equipment expense$80,00011,146
Additional noninterest expense$103,00012,900
Pre-tax net operating income$244,00010,667
Securities gains (losses)$07,477
Applicable income taxes$86,00010,077
Income before extraordinary items$158,00011,101
Extraordinary gains, net$03,149
Net income$158,00011,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$158,00010,900
1992-12-31 (YTD Data)Rank
Total interest income$1,180,00012,641
Total interest expense$705,00011,784
Net interest income$475,00013,158
Provision for loan and lease losses$15,00010,851
Total noninterest income$50,00013,106
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$50,00010,399
Total noninterest expense$360,00013,361
Salaries and employee benefits$190,00013,250
Premises and equipment expense$78,00011,557
Additional noninterest expense$92,00013,594
Pre-tax net operating income$150,00011,532
Securities gains (losses)$08,369
Applicable income taxes$48,00011,313
Income before extraordinary items$102,00011,907
Extraordinary gains, net$01,422
Net income$102,00011,979
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$102,00011,620

* 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.