Home > RBS National Bank > Income and Expense

RBS National Bank, Income and Expense

2007-06-30 (YTD Data)Rank
Total interest income$3,735,0004,598
Total interest expense$1,344,0005,097
Net interest income$2,391,0004,175
Provision for loan and lease losses$06,209
Total noninterest income$81,449,000108
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$07,560
Trading account gains and fees$0168
Additional Noninterest Income$81,449,00081
Total noninterest expense$78,090,000163
Salaries and employee benefits$23,902,000219
Premises and equipment expense$4,978,000284
Additional noninterest expense$49,210,000118
Pre-tax net operating income$5,750,000836
Securities gains (losses)$80,000450
Applicable income taxes$2,151,000694
Income before extraordinary items$3,679,000972
Extraordinary gains, net$029
Net income$3,679,000971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$3,627,800980
2007-03-31 (YTD Data)Rank
Total interest income$1,853,0004,619
Total interest expense$668,0005,103
Net interest income$1,185,0004,205
Provision for loan and lease losses$05,779
Total noninterest income$36,855,000110
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$07,573
Trading account gains and fees$0195
Additional Noninterest Income$36,855,00081
Total noninterest expense$37,010,000165
Salaries and employee benefits$12,001,000219
Premises and equipment expense$2,540,000274
Additional noninterest expense$22,469,000119
Pre-tax net operating income$1,030,0002,112
Securities gains (losses)$80,000342
Applicable income taxes$411,0001,494
Income before extraordinary items$699,0002,333
Extraordinary gains, net$022
Net income$699,0002,333
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$647,8002,459
2006-12-31 (YTD Data)Rank
Total interest income$6,133,0004,933
Total interest expense$2,636,0004,684
Net interest income$3,497,0005,057
Provision for loan and lease losses$06,850
Total noninterest income$155,148,000104
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$07,634
Trading account gains and fees$0130
Additional Noninterest Income$155,148,00080
Total noninterest expense$148,505,000159
Salaries and employee benefits$42,532,000230
Premises and equipment expense$8,872,000296
Additional noninterest expense$97,101,000116
Pre-tax net operating income$10,140,000963
Securities gains (losses)$148,000452
Applicable income taxes$3,928,000768
Income before extraordinary items$6,360,0001,157
Extraordinary gains, net$051
Net income$6,360,0001,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$6,265,2801,169
2006-09-30 (YTD Data)Rank
Total interest income$4,391,0005,081
Total interest expense$1,953,0004,610
Net interest income$2,438,0005,334
Provision for loan and lease losses$06,685
Total noninterest income$120,259,000111
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$07,682
Trading account gains and fees$0126
Additional Noninterest Income$120,259,00087
Total noninterest expense$113,012,000171
Salaries and employee benefits$31,579,000240
Premises and equipment expense$6,470,000317
Additional noninterest expense$74,963,000123
Pre-tax net operating income$9,685,000800
Securities gains (losses)$93,000453
Applicable income taxes$3,539,000695
Income before extraordinary items$6,239,000935
Extraordinary gains, net$045
Net income$6,239,000935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$6,179,480930
2006-06-30 (YTD Data)Rank
Total interest income$2,689,0005,312
Total interest expense$1,271,0004,549
Net interest income$1,418,0005,766
Provision for loan and lease losses$06,419
Total noninterest income$80,547,000113
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$07,707
Trading account gains and fees$0126
Additional Noninterest Income$80,547,00091
Total noninterest expense$76,139,000171
Salaries and employee benefits$21,039,000248
Premises and equipment expense$4,202,000325
Additional noninterest expense$50,898,000126
Pre-tax net operating income$5,826,000890
Securities gains (losses)$01,185
Applicable income taxes$2,107,000766
Income before extraordinary items$3,719,0001,030
Extraordinary gains, net$039
Net income$3,719,0001,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$3,719,0001,015
2006-03-31 (YTD Data)Rank
Total interest income$1,227,0005,541
Total interest expense$595,0004,600
Net interest income$632,0006,098
Provision for loan and lease losses$06,013
Total noninterest income$37,504,000115
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$07,698
Trading account gains and fees$0115
Additional Noninterest Income$37,504,00091
Total noninterest expense$36,045,000179
Salaries and employee benefits$11,681,000227
Premises and equipment expense$2,071,000332
Additional noninterest expense$22,293,000135
Pre-tax net operating income$2,091,0001,180
Securities gains (losses)$0955
Applicable income taxes$757,000979
Income before extraordinary items$1,334,0001,377
Extraordinary gains, net$021
Net income$1,334,0001,376
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,334,0001,353
2005-12-31 (YTD Data)Rank
Total interest income$1,370,0008,020
Total interest expense$28,0008,729
Net interest income$1,342,0007,507
Provision for loan and lease losses$07,120
Total noninterest income$108,890,000141
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$07,759
Trading account gains and fees$0138
Additional Noninterest Income$108,890,000106
Total noninterest expense$103,584,000220
Salaries and employee benefits$28,952,000330
Premises and equipment expense$6,459,000393
Additional noninterest expense$68,173,000156
Pre-tax net operating income$6,648,0001,440
Securities gains (losses)$02,296
Applicable income taxes$2,393,0001,176
Income before extraordinary items$4,255,0001,647
Extraordinary gains, net$046
Net income$4,255,0001,646
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,255,0001,627
2005-09-30 (YTD Data)Rank
Total interest income$938,0008,162
Total interest expense$13,0008,776
Net interest income$925,0007,689
Provision for loan and lease losses$06,899
Total noninterest income$76,337,000146
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$07,794
Trading account gains and fees$0126
Additional Noninterest Income$76,337,000114
Total noninterest expense$70,568,000231
Salaries and employee benefits$18,206,000390
Premises and equipment expense$3,804,000480
Additional noninterest expense$48,558,000161
Pre-tax net operating income$6,694,0001,077
Securities gains (losses)$02,317
Applicable income taxes$2,404,000935
Income before extraordinary items$4,290,0001,256
Extraordinary gains, net$035
Net income$4,290,0001,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$4,290,0001,230
2005-06-30 (YTD Data)Rank
Total interest income$434,0008,485
Total interest expense$8,0008,797
Net interest income$426,0008,214
Provision for loan and lease losses$06,626
Total noninterest income$6,441,000520
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$07,790
Trading account gains and fees$0116
Additional Noninterest Income$6,441,000365
Total noninterest expense$10,263,000814
Salaries and employee benefits$2,739,0001,675
Premises and equipment expense$918,0001,310
Additional noninterest expense$6,606,000442
Pre-tax net operating income$-3,396,0008,855
Securities gains (losses)$02,146
Applicable income taxes$-2,159,0008,858
Income before extraordinary items$-1,237,0008,822
Extraordinary gains, net$030
Net income$-1,237,0008,822
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,660
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$-1,237,0008,808

* 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.