Home > Reliance Bank > Income and Expense
Reliance Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 7,199 |
| Total interest expense | $804,000 | 6,009 |
| Net interest income | $904,000 | 7,723 |
| Provision for loan and lease losses | $71,000 | 4,789 |
| Total noninterest income | $35,000 | 8,497 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,573 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,869 |
| Total noninterest expense | $684,000 | 7,880 |
| Salaries and employee benefits | $389,000 | 7,822 |
| Premises and equipment expense | $92,000 | 7,600 |
| Additional noninterest expense | $203,000 | 7,806 |
| Pre-tax net operating income | $184,000 | 7,699 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $67,000 | 5,583 |
| Income before extraordinary items | $117,000 | 7,869 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $117,000 | 7,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,195 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $117,000 | 7,841 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 7,352 |
| Total interest expense | $440,000 | 6,371 |
| Net interest income | $610,000 | 7,727 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $25,000 | 8,480 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $7,000 | 7,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $18,000 | 7,744 |
| Total noninterest expense | $447,000 | 7,915 |
| Salaries and employee benefits | $255,000 | 7,864 |
| Premises and equipment expense | $60,000 | 7,621 |
| Additional noninterest expense | $132,000 | 7,834 |
| Pre-tax net operating income | $131,000 | 7,659 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $49,000 | 5,534 |
| Income before extraordinary items | $82,000 | 7,871 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $82,000 | 7,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $82,000 | 7,831 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $479,000 | 7,581 |
| Total interest expense | $184,000 | 6,741 |
| Net interest income | $295,000 | 7,823 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $16,000 | 8,407 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $224,000 | 7,989 |
| Salaries and employee benefits | $126,000 | 7,938 |
| Premises and equipment expense | $31,000 | 7,653 |
| Additional noninterest expense | $67,000 | 7,872 |
| Pre-tax net operating income | $82,000 | 7,464 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $31,000 | 5,273 |
| Income before extraordinary items | $51,000 | 7,750 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $51,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $51,000 | 7,721 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,455,000 | 7,957 |
| Total interest expense | $578,000 | 7,027 |
| Net interest income | $877,000 | 8,204 |
| Provision for loan and lease losses | $111,000 | 4,831 |
| Total noninterest income | $97,000 | 8,113 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $21,000 | 7,648 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $76,000 | 6,858 |
| Total noninterest expense | $854,000 | 8,058 |
| Salaries and employee benefits | $464,000 | 8,091 |
| Premises and equipment expense | $133,000 | 7,537 |
| Additional noninterest expense | $257,000 | 7,950 |
| Pre-tax net operating income | $9,000 | 8,366 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,000 | 7,000 |
| Income before extraordinary items | $6,000 | 8,419 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,748 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,000 | 8,386 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $990,000 | 8,114 |
| Total interest expense | $396,000 | 7,219 |
| Net interest income | $594,000 | 8,356 |
| Provision for loan and lease losses | $63,000 | 5,070 |
| Total noninterest income | $79,000 | 8,085 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $15,000 | 7,705 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 6,699 |
| Total noninterest expense | $638,000 | 8,068 |
| Salaries and employee benefits | $338,000 | 8,119 |
| Premises and equipment expense | $101,000 | 7,508 |
| Additional noninterest expense | $199,000 | 7,913 |
| Pre-tax net operating income | $-28,000 | 8,523 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-10,000 | 8,731 |
| Income before extraordinary items | $-18,000 | 8,535 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-18,000 | 8,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,986 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-18,000 | 8,504 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $639,000 | 8,216 |
| Total interest expense | $254,000 | 7,359 |
| Net interest income | $385,000 | 8,427 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $49,000 | 8,203 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 6,883 |
| Total noninterest expense | $415,000 | 8,148 |
| Salaries and employee benefits | $216,000 | 8,240 |
| Premises and equipment expense | $68,000 | 7,517 |
| Additional noninterest expense | $131,000 | 7,960 |
| Pre-tax net operating income | $-13,000 | 8,562 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-5,000 | 8,755 |
| Income before extraordinary items | $-8,000 | 8,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,000 | 8,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-8,000 | 8,553 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,315 |
| Total interest expense | $131,000 | 7,344 |
| Net interest income | $178,000 | 8,547 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $191,000 | 8,309 |
| Salaries and employee benefits | $93,000 | 8,474 |
| Premises and equipment expense | $33,000 | 7,611 |
| Additional noninterest expense | $65,000 | 8,009 |
| Pre-tax net operating income | $-1,000 | 8,564 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-1,000 | 8,788 |
| Income before extraordinary items | $0 | 8,589 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $0 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $0 | 8,537 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $727,000 | 8,805 |
| Total interest expense | $365,000 | 8,226 |
| Net interest income | $362,000 | 8,945 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $22,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $14,000 | 7,894 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,000 | 8,827 |
| Total noninterest expense | $411,000 | 8,965 |
| Salaries and employee benefits | $169,000 | 9,044 |
| Premises and equipment expense | $75,000 | 8,414 |
| Additional noninterest expense | $167,000 | 8,648 |
| Pre-tax net operating income | $-27,000 | 8,575 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,000 | 7,246 |
| Income before extraordinary items | $-23,000 | 8,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-23,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,027,000 | 272 |
| Net operating income | $-23,000 | 8,573 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $417,000 | 9,001 |
| Total interest expense | $211,000 | 8,622 |
| Net interest income | $206,000 | 9,088 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $17,000 | 9,062 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $9,000 | 7,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,801 |
| Total noninterest expense | $245,000 | 9,106 |
| Salaries and employee benefits | $101,000 | 9,143 |
| Premises and equipment expense | $41,000 | 8,727 |
| Additional noninterest expense | $103,000 | 8,875 |
| Pre-tax net operating income | $-22,000 | 8,678 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-1,000 | 8,855 |
| Income before extraordinary items | $-21,000 | 8,764 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-21,000 | 8,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,027,000 | 183 |
| Net operating income | $-21,000 | 8,676 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $105,000 | 9,195 |
| Total interest expense | $53,000 | 9,087 |
| Net interest income | $52,000 | 9,214 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $56,000 | 9,250 |
| Salaries and employee benefits | $24,000 | 9,240 |
| Premises and equipment expense | $9,000 | 9,155 |
| Additional noninterest expense | $23,000 | 9,218 |
| Pre-tax net operating income | $-3,000 | 8,688 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $6,000 | 7,135 |
| Income before extraordinary items | $-9,000 | 8,795 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-9,000 | 8,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,027,000 | 111 |
| Net operating income | $-9,000 | 8,688 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 8,214 |
| Total interest expense | $158,000 | 7,650 |
| Net interest income | $232,000 | 8,360 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $13,000 | 8,892 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,000 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $213,000 | 8,233 |
| Salaries and employee benefits | $92,000 | 8,606 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $94,000 | 7,306 |
| Pre-tax net operating income | $32,000 | 8,277 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $22,000 | 8,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $22,000 | 8,331 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,507,000 | 8,375 |
| Total interest expense | $664,000 | 7,914 |
| Net interest income | $843,000 | 8,511 |
| Provision for loan and lease losses | $113,000 | 5,518 |
| Total noninterest income | $68,000 | 8,779 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $17,000 | 8,012 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,577 |
| Total noninterest expense | $778,000 | 8,390 |
| Salaries and employee benefits | $357,000 | 8,671 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $289,000 | 7,886 |
| Pre-tax net operating income | $20,000 | 8,572 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $4,000 | 7,480 |
| Income before extraordinary items | $40,000 | 8,584 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $40,000 | 8,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,721 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $18,160 | 8,590 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,247,000 | 8,954 |
| Total interest expense | $886,000 | 8,243 |
| Net interest income | $361,000 | 9,350 |
| Provision for loan and lease losses | $47,000 | 6,791 |
| Total noninterest income | $67,000 | 8,951 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $11,000 | 8,242 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $56,000 | 7,506 |
| Total noninterest expense | $731,000 | 8,605 |
| Salaries and employee benefits | $363,000 | 8,780 |
| Premises and equipment expense | $130,000 | 7,847 |
| Additional noninterest expense | $238,000 | 8,333 |
| Pre-tax net operating income | $-350,000 | 9,073 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-87,000 | 9,233 |
| Income before extraordinary items | $-263,000 | 9,095 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-263,000 | 9,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-263,000 | 9,038 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $773,000 | 9,549 |
| Total interest expense | $446,000 | 9,346 |
| Net interest income | $327,000 | 9,666 |
| Provision for loan and lease losses | $78,000 | 5,810 |
| Total noninterest income | $89,000 | 8,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 6,864 |
| Total noninterest expense | $684,000 | 8,860 |
| Salaries and employee benefits | $387,000 | 8,812 |
| Premises and equipment expense | $126,000 | 7,998 |
| Additional noninterest expense | $171,000 | 9,057 |
| Pre-tax net operating income | $-346,000 | 9,453 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-91,000 | 9,570 |
| Income before extraordinary items | $-255,000 | 9,416 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-255,000 | 9,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-255,000 | 9,417 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $200,000 | 10,121 |
| Total interest expense | $66,000 | 10,085 |
| Net interest income | $134,000 | 10,123 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $1,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $382,000 | 9,919 |
| Salaries and employee benefits | $215,000 | 9,855 |
| Premises and equipment expense | $54,000 | 9,557 |
| Additional noninterest expense | $113,000 | 9,827 |
| Pre-tax net operating income | $-257,000 | 9,680 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-100,000 | 9,918 |
| Income before extraordinary items | $-157,000 | 9,634 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-157,000 | 9,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,122,000 | 350 |
| Net operating income | $-157,000 | 9,612 |
* 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.