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Reliance Savings Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,090,0007,426
Total interest expense$1,086,0008,185
Net interest income$2,004,0006,667
Provision for loan and lease losses$145,0004,249
Total noninterest income$13,00010,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,040
Trading account gains and feesNANA
Additional Noninterest Income$12,0009,880
Total noninterest expense$929,0008,341
Salaries and employee benefits$612,0007,690
Premises and equipment expense$51,0009,797
Additional noninterest expense$266,0008,437
Pre-tax net operating income$943,0005,597
Securities gains (losses)$04,449
Applicable income taxes$361,0004,689
Income before extraordinary items$582,0006,144
Extraordinary gains, net$032
Net income$582,0006,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$582,0006,038
1997-12-31 (YTD Data)Rank
Total interest income$3,239,0007,463
Total interest expense$1,110,0008,379
Net interest income$2,129,0006,659
Provision for loan and lease losses$20,0007,880
Total noninterest income$15,00010,747
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,453
Trading account gains and feesNANA
Additional Noninterest Income$14,00010,198
Total noninterest expense$1,334,0007,222
Salaries and employee benefits$894,0006,321
Premises and equipment expense$52,00010,154
Additional noninterest expense$388,0007,459
Pre-tax net operating income$790,0006,584
Securities gains (losses)$03,944
Applicable income taxes$289,0005,829
Income before extraordinary items$501,0006,968
Extraordinary gains, net$044
Net income$501,0006,971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$501,0006,898
1996-12-31 (YTD Data)Rank
Total interest income$2,873,0008,175
Total interest expense$1,093,0008,720
Net interest income$1,780,0007,598
Provision for loan and lease losses$22,0007,876
Total noninterest income$6,00011,345
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,883
Trading account gains and feesNANA
Additional Noninterest Income$5,00011,207
Total noninterest expense$868,0009,167
Salaries and employee benefits$360,0009,892
Premises and equipment expense$53,00010,553
Additional noninterest expense$455,0007,423
Pre-tax net operating income$896,0006,098
Securities gains (losses)$04,148
Applicable income taxes$399,0004,901
Income before extraordinary items$497,0006,923
Extraordinary gains, net$053
Net income$497,0006,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$497,0006,858
1995-12-31 (YTD Data)Rank
Total interest income$2,512,0008,951
Total interest expense$1,149,0008,759
Net interest income$1,363,0008,892
Provision for loan and lease losses$22,0007,572
Total noninterest income$13,00011,842
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$13,00011,328
Total noninterest expense$698,00010,195
Salaries and employee benefits$432,0009,677
Premises and equipment expense$55,00010,933
Additional noninterest expense$211,00010,294
Pre-tax net operating income$656,0007,555
Securities gains (losses)$-14,00010,322
Applicable income taxes$242,0006,761
Income before extraordinary items$400,0008,083
Extraordinary gains, net$065
Net income$400,0008,080
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$408,9607,947
1994-12-31 (YTD Data)Rank
Total interest income$2,382,0009,122
Total interest expense$1,028,0008,569
Net interest income$1,354,0009,300
Provision for loan and lease losses$22,0007,672
Total noninterest income$12,00012,457
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$12,00011,965
Total noninterest expense$724,00010,599
Salaries and employee benefits$371,00010,540
Premises and equipment expense$40,00011,980
Additional noninterest expense$313,0009,804
Pre-tax net operating income$620,0007,889
Securities gains (losses)$-11,0009,904
Applicable income taxes$236,0006,740
Income before extraordinary items$373,0008,425
Extraordinary gains, net$0249
Net income$373,0008,427
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,524
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$380,0408,405
1993-12-31 (YTD Data)Rank
Total interest income$2,329,0009,506
Total interest expense$1,095,0008,706
Net interest income$1,234,0009,956
Provision for loan and lease losses$22,0008,943
Total noninterest income$-23,00013,248
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$-23,00013,287
Total noninterest expense$545,00011,940
Salaries and employee benefits$292,00011,743
Premises and equipment expense$90,00010,795
Additional noninterest expense$163,00012,242
Pre-tax net operating income$644,0007,657
Securities gains (losses)$07,477
Applicable income taxes$263,0006,600
Income before extraordinary items$381,0008,628
Extraordinary gains, net$03,149
Net income$381,0008,790
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$381,0008,368
1992-12-31 (YTD Data)Rank
Total interest income$2,486,0009,946
Total interest expense$1,274,0009,343
Net interest income$1,212,00010,289
Provision for loan and lease losses$21,00010,525
Total noninterest income$39,00013,364
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$39,00011,113
Total noninterest expense$493,00012,681
Salaries and employee benefits$259,00012,511
Premises and equipment expense$83,00011,388
Additional noninterest expense$151,00012,943
Pre-tax net operating income$737,0006,905
Securities gains (losses)$4,0007,235
Applicable income taxes$267,0006,408
Income before extraordinary items$474,0007,549
Extraordinary gains, net$01,422
Net income$474,0007,653
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$471,4407,210

* 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.