Home > Regency Bank > Income and Expense
Regency Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,879,000 | 5,150 |
| Total interest expense | $2,774,000 | 5,014 |
| Net interest income | $3,105,000 | 5,159 |
| Provision for loan and lease losses | $641,000 | 1,425 |
| Total noninterest income | $152,000 | 8,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,193 |
| Total noninterest expense | $2,775,000 | 4,373 |
| Salaries and employee benefits | $1,130,000 | 5,358 |
| Premises and equipment expense | $338,000 | 5,033 |
| Additional noninterest expense | $1,307,000 | 3,101 |
| Pre-tax net operating income | $-159,000 | 10,539 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-159,000 | 10,574 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-159,000 | 10,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 1,090 |
| Cash dividends | $183,000 | 5,587 |
| Sale, conversion, retirement of capital stock, net | $252,000 | 638 |
| Net operating income | $-159,000 | 10,544 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,422,000 | 5,591 |
| Total interest expense | $2,386,000 | 5,696 |
| Net interest income | $3,036,000 | 5,397 |
| Provision for loan and lease losses | $59,000 | 6,328 |
| Total noninterest income | $155,000 | 8,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $2,028,000 | 5,890 |
| Salaries and employee benefits | $1,029,000 | 5,874 |
| Premises and equipment expense | $251,000 | 6,239 |
| Additional noninterest expense | $748,000 | 5,469 |
| Pre-tax net operating income | $1,104,000 | 5,402 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $369,000 | 5,144 |
| Income before extraordinary items | $744,000 | 5,553 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $744,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 633 |
| Net operating income | $737,970 | 5,541 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,997,000 | 5,987 |
| Total interest expense | $2,190,000 | 6,103 |
| Net interest income | $2,807,000 | 5,800 |
| Provision for loan and lease losses | $88,000 | 4,902 |
| Total noninterest income | $127,000 | 9,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,268 |
| Total noninterest expense | $1,776,000 | 6,530 |
| Salaries and employee benefits | $900,000 | 6,553 |
| Premises and equipment expense | $222,000 | 6,802 |
| Additional noninterest expense | $654,000 | 6,170 |
| Pre-tax net operating income | $1,070,000 | 5,709 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $363,000 | 5,291 |
| Income before extraordinary items | $707,000 | 5,944 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $707,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,914 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 517 |
| Net operating income | $707,000 | 5,927 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,033,000 | 6,659 |
| Total interest expense | $1,648,000 | 6,477 |
| Net interest income | $2,385,000 | 6,686 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $138,000 | 9,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $1,747,000 | 6,844 |
| Salaries and employee benefits | $959,000 | 6,304 |
| Premises and equipment expense | $230,000 | 6,858 |
| Additional noninterest expense | $558,000 | 7,362 |
| Pre-tax net operating income | $716,000 | 7,306 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $242,000 | 6,656 |
| Income before extraordinary items | $474,000 | 7,507 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $474,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 944 |
| Net operating income | $474,000 | 7,550 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,460,000 | 7,588 |
| Total interest expense | $1,477,000 | 7,286 |
| Net interest income | $1,983,000 | 7,730 |
| Provision for loan and lease losses | $99,000 | 5,823 |
| Total noninterest income | $123,000 | 10,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 11,511 |
| Total noninterest expense | $1,598,000 | 7,508 |
| Salaries and employee benefits | $884,000 | 6,809 |
| Premises and equipment expense | $237,000 | 6,945 |
| Additional noninterest expense | $477,000 | 8,460 |
| Pre-tax net operating income | $409,000 | 9,343 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $150,000 | 8,653 |
| Income before extraordinary items | $259,000 | 9,939 |
| Extraordinary gains, net | $212,000 | 976 |
| Net income | $471,000 | 7,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $259,000 | 9,680 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,313,000 | 8,453 |
| Total interest expense | $1,755,000 | 7,750 |
| Net interest income | $1,558,000 | 9,081 |
| Provision for loan and lease losses | $171,000 | 5,723 |
| Total noninterest income | $105,000 | 11,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,562 |
| Total noninterest expense | $1,406,000 | 8,268 |
| Salaries and employee benefits | $758,000 | 7,552 |
| Premises and equipment expense | $205,000 | 7,717 |
| Additional noninterest expense | $443,000 | 9,061 |
| Pre-tax net operating income | $86,000 | 12,153 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $28,000 | 11,867 |
| Income before extraordinary items | $87,000 | 12,122 |
| Extraordinary gains, net | $28,000 | 1,147 |
| Net income | $115,000 | 11,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 4,083 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $64,960 | 12,129 |
* 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.