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Raritan Savings Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$29,743,0001,095
Total interest expense$16,385,000972
Net interest income$13,358,0001,271
Provision for loan and lease losses$300,0002,562
Total noninterest income$1,243,0002,617
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$582,0002,210
Trading account gains and fees$0224
Additional Noninterest Income$661,0002,485
Total noninterest expense$8,196,0001,616
Salaries and employee benefits$4,226,0001,567
Premises and equipment expense$1,835,0001,048
Additional noninterest expense$2,135,0001,989
Pre-tax net operating income$6,105,0001,229
Securities gains (losses)$41,0001,880
Applicable income taxes$1,845,0001,362
Income before extraordinary items$4,301,0001,240
Extraordinary gains, net$032
Net income$4,301,0001,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0006,737
Cash dividends$1,510,0001,640
Sale, conversion, retirement of capital stock, net$103,000771
Net operating income$4,272,3001,205
1997-12-31 (YTD Data)Rank
Total interest income$27,647,0001,212
Total interest expense$14,523,0001,118
Net interest income$13,124,0001,324
Provision for loan and lease losses$600,0001,510
Total noninterest income$954,0003,157
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$570,0002,299
Trading account gains and fees$0239
Additional Noninterest Income$384,0003,369
Total noninterest expense$7,400,0001,757
Salaries and employee benefits$4,174,0001,558
Premises and equipment expense$1,152,0001,698
Additional noninterest expense$2,074,0002,020
Pre-tax net operating income$6,078,0001,287
Securities gains (losses)$94,0001,009
Applicable income taxes$2,221,0001,209
Income before extraordinary items$3,951,0001,387
Extraordinary gains, net$044
Net income$3,951,0001,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$259,0002,156
Cash dividends$1,610,0001,526
Sale, conversion, retirement of capital stock, net$51,000840
Net operating income$3,890,8401,369
1996-12-31 (YTD Data)Rank
Total interest income$24,932,0001,373
Total interest expense$12,858,0001,261
Net interest income$12,074,0001,477
Provision for loan and lease losses$450,0001,887
Total noninterest income$720,0004,026
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$564,0002,414
Trading account gains and fees$0262
Additional Noninterest Income$156,0005,866
Total noninterest expense$7,408,0001,907
Salaries and employee benefits$3,733,0001,772
Premises and equipment expense$1,094,0001,831
Additional noninterest expense$2,581,0001,956
Pre-tax net operating income$4,936,0001,460
Securities gains (losses)$1,0003,760
Applicable income taxes$1,818,0001,341
Income before extraordinary items$3,119,0001,599
Extraordinary gains, net$053
Net income$3,119,0001,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$370,0001,774
Cash dividends$2,485,0001,110
Sale, conversion, retirement of capital stock, net$65,000696
Net operating income$3,118,3601,564
1995-12-31 (YTD Data)Rank
Total interest income$23,456,0001,464
Total interest expense$13,007,0001,282
Net interest income$10,449,0001,712
Provision for loan and lease losses$300,0002,267
Total noninterest income$742,0003,908
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$454,0002,980
Trading account gains and fees$0522
Additional Noninterest Income$288,0004,102
Total noninterest expense$6,717,0002,054
Salaries and employee benefits$3,407,0001,947
Premises and equipment expense$956,0002,096
Additional noninterest expense$2,354,0002,106
Pre-tax net operating income$4,174,0001,770
Securities gains (losses)$56,0001,233
Applicable income taxes$1,547,0001,605
Income before extraordinary items$2,683,0001,873
Extraordinary gains, net$065
Net income$2,683,0001,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$447,0001,481
Cash dividends$1,480,0001,534
Sale, conversion, retirement of capital stock, net$51,000644
Net operating income$2,647,1601,877
1994-12-31 (YTD Data)Rank
Total interest income$20,892,0001,481
Total interest expense$9,992,0001,315
Net interest income$10,900,0001,657
Provision for loan and lease losses$300,0002,237
Total noninterest income$570,0004,839
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$417,0003,261
Trading account gains and fees$0475
Additional Noninterest Income$153,0006,154
Total noninterest expense$6,869,0002,078
Salaries and employee benefits$3,100,0002,135
Premises and equipment expense$1,001,0002,034
Additional noninterest expense$2,768,0001,957
Pre-tax net operating income$4,301,0001,672
Securities gains (losses)$148,000609
Applicable income taxes$1,583,0001,481
Income before extraordinary items$2,866,0001,715
Extraordinary gains, net$0249
Net income$2,866,0001,714
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$665,0001,132
Cash dividends$700,0002,518
Sale, conversion, retirement of capital stock, net$123,000770
Net operating income$2,771,2801,766
1993-12-31 (YTD Data)Rank
Total interest income$20,048,0001,565
Total interest expense$9,229,0001,448
Net interest income$10,819,0001,676
Provision for loan and lease losses$2,150,000767
Total noninterest income$685,0004,508
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$435,0003,197
Trading account gains and fees$0532
Additional Noninterest Income$250,0005,006
Total noninterest expense$7,577,0001,950
Salaries and employee benefits$2,952,0002,252
Premises and equipment expense$1,017,0002,016
Additional noninterest expense$3,608,0001,647
Pre-tax net operating income$1,777,0003,724
Securities gains (losses)$2,000,000319
Applicable income taxes$1,359,0001,713
Income before extraordinary items$2,418,0002,069
Extraordinary gains, net$13,0002,867
Net income$2,431,0002,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$853,0001,274
Cash dividends$600,0002,624
Sale, conversion, retirement of capital stock, net$123,000849
Net operating income$1,138,0003,995
1992-12-31 (YTD Data)Rank
Total interest income$22,347,0001,606
Total interest expense$11,707,0001,509
Net interest income$10,640,0001,725
Provision for loan and lease losses$900,0001,967
Total noninterest income$777,0004,054
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$401,0003,478
Trading account gains and fees$0504
Additional Noninterest Income$376,0003,846
Total noninterest expense$7,045,0002,092
Salaries and employee benefits$2,691,0002,402
Premises and equipment expense$971,0002,148
Additional noninterest expense$3,383,0001,799
Pre-tax net operating income$3,472,0001,780
Securities gains (losses)$-12,00013,350
Applicable income taxes$1,491,0001,462
Income before extraordinary items$1,969,0002,321
Extraordinary gains, net$01,422
Net income$1,969,0002,360
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$304,0003,304
Cash dividends$500,0002,760
Sale, conversion, retirement of capital stock, net$-289,00013,851
Net operating income$1,976,6802,149

* 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.