Home > Ready State Bank > Income and Expense
Ready State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $40,647,000 | 838 |
| Total interest expense | $18,418,000 | 894 |
| Net interest income | $22,229,000 | 814 |
| Provision for loan and lease losses | $675,000 | 1,364 |
| Total noninterest income | $6,894,000 | 739 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $5,919,000 | 248 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $975,000 | 1,765 |
| Total noninterest expense | $15,843,000 | 893 |
| Salaries and employee benefits | $9,211,000 | 746 |
| Premises and equipment expense | $2,948,000 | 703 |
| Additional noninterest expense | $3,684,000 | 1,200 |
| Pre-tax net operating income | $12,605,000 | 661 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,829,000 | 619 |
| Income before extraordinary items | $7,776,000 | 728 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,776,000 | 729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 1,218 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,776,000 | 715 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $35,155,000 | 1,002 |
| Total interest expense | $15,123,000 | 1,083 |
| Net interest income | $20,032,000 | 929 |
| Provision for loan and lease losses | $700,000 | 1,321 |
| Total noninterest income | $7,191,000 | 740 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $6,095,000 | 274 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,096,000 | 1,699 |
| Total noninterest expense | $13,846,000 | 1,076 |
| Salaries and employee benefits | $8,151,000 | 843 |
| Premises and equipment expense | $2,521,000 | 868 |
| Additional noninterest expense | $3,174,000 | 1,639 |
| Pre-tax net operating income | $12,677,000 | 651 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,856,000 | 606 |
| Income before extraordinary items | $7,821,000 | 707 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,821,000 | 707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,498 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $7,821,000 | 689 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $30,394,000 | 1,148 |
| Total interest expense | $11,675,000 | 1,397 |
| Net interest income | $18,719,000 | 989 |
| Provision for loan and lease losses | $1,415,000 | 739 |
| Total noninterest income | $6,638,000 | 790 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $5,763,000 | 304 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $875,000 | 1,975 |
| Total noninterest expense | $12,422,000 | 1,183 |
| Salaries and employee benefits | $7,208,000 | 948 |
| Premises and equipment expense | $2,224,000 | 966 |
| Additional noninterest expense | $2,990,000 | 1,708 |
| Pre-tax net operating income | $11,520,000 | 741 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $4,390,000 | 673 |
| Income before extraordinary items | $7,131,000 | 802 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,131,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $878,000 | 956 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,130,360 | 795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,649,000 | 1,370 |
| Total interest expense | $7,059,000 | 1,790 |
| Net interest income | $15,590,000 | 1,170 |
| Provision for loan and lease losses | $645,000 | 1,272 |
| Total noninterest income | $5,498,000 | 864 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,787,000 | 333 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $711,000 | 2,306 |
| Total noninterest expense | $11,241,000 | 1,312 |
| Salaries and employee benefits | $6,669,000 | 1,015 |
| Premises and equipment expense | $1,875,000 | 1,129 |
| Additional noninterest expense | $2,697,000 | 2,008 |
| Pre-tax net operating income | $9,202,000 | 850 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $3,513,000 | 760 |
| Income before extraordinary items | $5,691,000 | 911 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,691,000 | 908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,502 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,689,720 | 918 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,792,000 | 1,666 |
| Total interest expense | $5,666,000 | 2,286 |
| Net interest income | $13,126,000 | 1,380 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $5,309,000 | 941 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $4,531,000 | 346 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $778,000 | 2,434 |
| Total noninterest expense | $10,295,000 | 1,486 |
| Salaries and employee benefits | $5,974,000 | 1,132 |
| Premises and equipment expense | $1,690,000 | 1,264 |
| Additional noninterest expense | $2,631,000 | 2,117 |
| Pre-tax net operating income | $7,890,000 | 924 |
| Securities gains (losses) | $344,000 | 1,179 |
| Applicable income taxes | $3,049,000 | 845 |
| Income before extraordinary items | $5,185,000 | 998 |
| Extraordinary gains, net | $275,000 | 771 |
| Net income | $5,460,000 | 982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-143,000 | 13,039 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,964,840 | 973 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,598,000 | 2,020 |
| Total interest expense | $6,804,000 | 2,480 |
| Net interest income | $10,794,000 | 1,703 |
| Provision for loan and lease losses | $455,000 | 3,200 |
| Total noninterest income | $4,086,000 | 1,124 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $3,367,000 | 439 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $719,000 | 2,479 |
| Total noninterest expense | $10,282,000 | 1,495 |
| Salaries and employee benefits | $5,332,000 | 1,262 |
| Premises and equipment expense | $1,738,000 | 1,266 |
| Additional noninterest expense | $3,212,000 | 1,891 |
| Pre-tax net operating income | $4,143,000 | 1,518 |
| Securities gains (losses) | $208,000 | 1,966 |
| Applicable income taxes | $1,557,000 | 1,409 |
| Income before extraordinary items | $2,794,000 | 1,649 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,794,000 | 1,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 4,924 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,016,000 | 403 |
| Net operating income | $2,660,880 | 1,586 |
* 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.