Home > Reisterstown Federal Savings Bank > Income and Expense
Reisterstown Federal Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,712,000 | 1,433 |
| Total interest expense | $12,348,000 | 1,308 |
| Net interest income | $11,364,000 | 1,567 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,943,000 | 1,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,943,000 | 1,177 |
| Total noninterest expense | $7,848,000 | 1,806 |
| Salaries and employee benefits | $2,653,000 | 2,514 |
| Premises and equipment expense | $816,000 | 2,401 |
| Additional noninterest expense | $4,379,000 | 1,266 |
| Pre-tax net operating income | $5,459,000 | 1,308 |
| Securities gains (losses) | $190,000 | 720 |
| Applicable income taxes | $2,265,000 | 1,099 |
| Income before extraordinary items | $3,384,000 | 1,453 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,384,000 | 1,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $2,100,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,262,400 | 1,490 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,837,000 | 1,903 |
| Total interest expense | $9,213,000 | 1,723 |
| Net interest income | $8,624,000 | 2,086 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,528,000 | 2,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,528,000 | 1,366 |
| Total noninterest expense | $4,392,000 | 3,052 |
| Salaries and employee benefits | $2,048,000 | 3,245 |
| Premises and equipment expense | $581,000 | 3,293 |
| Additional noninterest expense | $1,763,000 | 2,671 |
| Pre-tax net operating income | $5,760,000 | 1,327 |
| Securities gains (losses) | $105,000 | 938 |
| Applicable income taxes | $2,105,000 | 1,225 |
| Income before extraordinary items | $3,760,000 | 1,375 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,760,000 | 1,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,567 |
| Cash dividends | $2,000,000 | 1,219 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $3,692,800 | 1,388 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,295,000 | 1,389 |
| Total interest expense | $10,530,000 | 1,251 |
| Net interest income | $11,765,000 | 1,528 |
| Provision for loan and lease losses | $127,000 | 3,933 |
| Total noninterest income | $2,487,000 | 1,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,487,000 | 994 |
| Total noninterest expense | $5,531,000 | 2,520 |
| Salaries and employee benefits | $3,470,000 | 1,926 |
| Premises and equipment expense | $786,000 | 2,566 |
| Additional noninterest expense | $1,275,000 | 3,843 |
| Pre-tax net operating income | $8,594,000 | 904 |
| Securities gains (losses) | $172,000 | 552 |
| Applicable income taxes | $3,368,000 | 786 |
| Income before extraordinary items | $5,398,000 | 955 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,398,000 | 951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $9,875,000 | 360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,287,920 | 981 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $21,503,000 | 1,463 |
| Total interest expense | $10,905,000 | 1,241 |
| Net interest income | $10,598,000 | 1,717 |
| Provision for loan and lease losses | $-375,000 | 13,138 |
| Total noninterest income | $4,016,000 | 1,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,016,000 | 801 |
| Total noninterest expense | $5,609,000 | 2,555 |
| Salaries and employee benefits | $3,353,000 | 1,987 |
| Premises and equipment expense | $692,000 | 2,915 |
| Additional noninterest expense | $1,564,000 | 3,378 |
| Pre-tax net operating income | $9,380,000 | 783 |
| Securities gains (losses) | $1,168,000 | 478 |
| Applicable income taxes | $2,897,000 | 884 |
| Income before extraordinary items | $7,651,000 | 690 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,651,000 | 710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 1,227 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,798,360 | 720 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,758,000 | 1,644 |
| Total interest expense | $11,932,000 | 1,483 |
| Net interest income | $9,826,000 | 1,865 |
| Provision for loan and lease losses | $1,825,000 | 1,231 |
| Total noninterest income | $3,057,000 | 1,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,057,000 | 942 |
| Total noninterest expense | $4,751,000 | 3,009 |
| Salaries and employee benefits | $2,614,000 | 2,468 |
| Premises and equipment expense | $586,000 | 3,436 |
| Additional noninterest expense | $1,551,000 | 3,499 |
| Pre-tax net operating income | $6,307,000 | 1,031 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $3,030,000 | 774 |
| Income before extraordinary items | $3,282,000 | 1,410 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,282,000 | 1,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $3,500,000 | 503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,278,800 | 1,301 |
* 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.