Home > Reliable Savings Bank > Income and Expense
Reliable Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,041,000 | 2,975 |
| Total interest expense | $5,542,000 | 2,743 |
| Net interest income | $5,499,000 | 3,219 |
| Provision for loan and lease losses | $61,000 | 6,063 |
| Total noninterest income | $406,000 | 5,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $406,000 | 3,375 |
| Total noninterest expense | $3,676,000 | 3,604 |
| Salaries and employee benefits | $1,354,000 | 4,715 |
| Premises and equipment expense | $819,000 | 2,392 |
| Additional noninterest expense | $1,503,000 | 3,111 |
| Pre-tax net operating income | $2,168,000 | 3,197 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $785,000 | 2,893 |
| Income before extraordinary items | $1,383,000 | 3,443 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,383,000 | 3,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,383,000 | 3,394 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,544,000 | 3,142 |
| Total interest expense | $4,838,000 | 3,109 |
| Net interest income | $5,706,000 | 3,114 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $422,000 | 5,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $422,000 | 3,200 |
| Total noninterest expense | $2,878,000 | 4,441 |
| Salaries and employee benefits | $1,415,000 | 4,521 |
| Premises and equipment expense | $752,000 | 2,632 |
| Additional noninterest expense | $711,000 | 5,767 |
| Pre-tax net operating income | $3,250,000 | 2,276 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,060,000 | 2,256 |
| Income before extraordinary items | $2,190,000 | 2,308 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,190,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $14,015,000 | 324 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,190,000 | 2,279 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,210,000 | 2,984 |
| Total interest expense | $4,199,000 | 2,909 |
| Net interest income | $6,011,000 | 2,988 |
| Provision for loan and lease losses | $206,000 | 2,963 |
| Total noninterest income | $5,723,000 | 844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $5,723,000 | 592 |
| Total noninterest expense | $2,516,000 | 5,128 |
| Salaries and employee benefits | $1,237,000 | 5,104 |
| Premises and equipment expense | $675,000 | 2,918 |
| Additional noninterest expense | $604,000 | 7,014 |
| Pre-tax net operating income | $9,012,000 | 862 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $3,350,000 | 791 |
| Income before extraordinary items | $5,662,000 | 915 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,662,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $1,800,000 | 1,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,662,000 | 923 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,389,000 | 2,985 |
| Total interest expense | $4,376,000 | 2,920 |
| Net interest income | $6,013,000 | 3,023 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $482,000 | 5,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $482,000 | 3,342 |
| Total noninterest expense | $2,417,000 | 5,417 |
| Salaries and employee benefits | $1,133,000 | 5,496 |
| Premises and equipment expense | $668,000 | 3,005 |
| Additional noninterest expense | $616,000 | 7,199 |
| Pre-tax net operating income | $3,828,000 | 1,801 |
| Securities gains (losses) | $1,133,000 | 494 |
| Applicable income taxes | $1,853,000 | 1,293 |
| Income before extraordinary items | $3,108,000 | 1,635 |
| Extraordinary gains, net | $365,000 | 601 |
| Net income | $3,473,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,382,880 | 1,971 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,480,000 | 3,066 |
| Total interest expense | $5,529,000 | 3,008 |
| Net interest income | $5,951,000 | 3,074 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $323,000 | 7,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $323,000 | 4,234 |
| Total noninterest expense | $2,233,000 | 5,839 |
| Salaries and employee benefits | $992,000 | 6,074 |
| Premises and equipment expense | $658,000 | 3,089 |
| Additional noninterest expense | $583,000 | 7,663 |
| Pre-tax net operating income | $3,841,000 | 1,623 |
| Securities gains (losses) | $261,000 | 1,667 |
| Applicable income taxes | $1,615,000 | 1,363 |
| Income before extraordinary items | $2,487,000 | 1,826 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,487,000 | 1,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $511,000 | 2,722 |
| Sale, conversion, retirement of capital stock, net | $6,836,000 | 131 |
| Net operating income | $2,319,960 | 1,825 |
* 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.