Home > RFC Banking Company > Income and Expense
RFC Banking Company, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,948,000 | 2,922 |
| Total interest expense | $2,935,000 | 1,657 |
| Net interest income | $2,013,000 | 4,376 |
| Provision for loan and lease losses | $206,000 | 2,470 |
| Total noninterest income | $19,332,000 | 266 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $291,000 | 2,720 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,041,000 | 215 |
| Total noninterest expense | $4,661,000 | 1,721 |
| Salaries and employee benefits | $1,118,000 | 3,562 |
| Premises and equipment expense | $316,000 | 3,337 |
| Additional noninterest expense | $3,227,000 | 808 |
| Pre-tax net operating income | $16,478,000 | 339 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $5,619,000 | 356 |
| Income before extraordinary items | $10,883,000 | 376 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $10,883,000 | 378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,765,000 | 271 |
| Cash dividends | $5,169,000 | 331 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $10,867,160 | 345 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 2,182 |
| Total interest expense | $1,840,000 | 1,327 |
| Net interest income | $1,526,000 | 3,131 |
| Provision for loan and lease losses | $206,000 | 1,330 |
| Total noninterest income | $8,312,000 | 297 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $218,000 | 1,877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,094,000 | 235 |
| Total noninterest expense | $2,279,000 | 1,736 |
| Salaries and employee benefits | $610,000 | 3,315 |
| Premises and equipment expense | $200,000 | 2,759 |
| Additional noninterest expense | $1,469,000 | 853 |
| Pre-tax net operating income | $7,353,000 | 361 |
| Securities gains (losses) | $27,000 | 1,749 |
| Applicable income taxes | $2,506,000 | 393 |
| Income before extraordinary items | $4,874,000 | 396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,874,000 | 396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,603,000 | 249 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,856,180 | 365 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,310,000 | 1,589 |
| Total interest expense | $9,734,000 | 1,154 |
| Net interest income | $9,576,000 | 2,022 |
| Provision for loan and lease losses | $17,993,000 | 175 |
| Total noninterest income | $1,295,000 | 2,921 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $883,000 | 1,820 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $412,000 | 3,649 |
| Total noninterest expense | $8,283,000 | 1,828 |
| Salaries and employee benefits | $3,796,000 | 2,100 |
| Premises and equipment expense | $796,000 | 2,696 |
| Additional noninterest expense | $3,691,000 | 1,308 |
| Pre-tax net operating income | $-15,405,000 | 9,341 |
| Securities gains (losses) | $-297,000 | 9,221 |
| Applicable income taxes | $-5,358,000 | 9,335 |
| Income before extraordinary items | $-10,344,000 | 9,334 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-10,344,000 | 9,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,161,000 | 182 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-10,147,980 | 9,325 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,910,000 | 1,426 |
| Total interest expense | $12,723,000 | 1,282 |
| Net interest income | $11,187,000 | 1,588 |
| Provision for loan and lease losses | $2,300,000 | 627 |
| Total noninterest income | $1,303,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $866,000 | 1,759 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $437,000 | 3,372 |
| Total noninterest expense | $7,175,000 | 1,999 |
| Salaries and employee benefits | $3,455,000 | 2,170 |
| Premises and equipment expense | $720,000 | 2,880 |
| Additional noninterest expense | $3,000,000 | 1,548 |
| Pre-tax net operating income | $3,015,000 | 2,253 |
| Securities gains (losses) | $270,000 | 957 |
| Applicable income taxes | $1,051,000 | 2,003 |
| Income before extraordinary items | $2,234,000 | 2,300 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,234,000 | 2,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,241,000 | 529 |
| Cash dividends | $1,528,000 | 1,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,050,400 | 2,391 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,887,000 | 3,433 |
| Total interest expense | $5,700,000 | 2,920 |
| Net interest income | $4,187,000 | 4,024 |
| Provision for loan and lease losses | $600,000 | 1,605 |
| Total noninterest income | $342,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,442 |
| Total noninterest expense | $2,640,000 | 4,672 |
| Salaries and employee benefits | $1,355,000 | 4,739 |
| Premises and equipment expense | $310,000 | 5,329 |
| Additional noninterest expense | $975,000 | 4,057 |
| Pre-tax net operating income | $1,289,000 | 4,525 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $434,000 | 3,813 |
| Income before extraordinary items | $842,000 | 4,895 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $842,000 | 4,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,304 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $850,580 | 4,869 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,966,000 | 4,411 |
| Total interest expense | $3,611,000 | 3,938 |
| Net interest income | $3,355,000 | 4,778 |
| Provision for loan and lease losses | $405,000 | 2,081 |
| Total noninterest income | $541,000 | 4,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 4,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $307,000 | 3,969 |
| Total noninterest expense | $2,442,000 | 4,968 |
| Salaries and employee benefits | $1,368,000 | 4,674 |
| Premises and equipment expense | $255,000 | 5,965 |
| Additional noninterest expense | $819,000 | 4,702 |
| Pre-tax net operating income | $1,049,000 | 5,164 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $356,000 | 4,433 |
| Income before extraordinary items | $693,000 | 5,489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $693,000 | 5,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,323 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $693,000 | 5,455 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,331,000 | 5,428 |
| Total interest expense | $2,712,000 | 5,081 |
| Net interest income | $2,619,000 | 5,668 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $239,000 | 7,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,570 |
| Total noninterest expense | $1,843,000 | 5,894 |
| Salaries and employee benefits | $956,000 | 5,959 |
| Premises and equipment expense | $213,000 | 6,524 |
| Additional noninterest expense | $674,000 | 5,313 |
| Pre-tax net operating income | $895,000 | 5,747 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $306,000 | 5,120 |
| Income before extraordinary items | $594,000 | 6,081 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $594,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,165 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $590,700 | 5,994 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,272,000 | 5,580 |
| Total interest expense | $2,380,000 | 5,607 |
| Net interest income | $2,892,000 | 5,453 |
| Provision for loan and lease losses | $577,000 | 1,601 |
| Total noninterest income | $370,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,423 |
| Total noninterest expense | $1,832,000 | 6,007 |
| Salaries and employee benefits | $942,000 | 6,099 |
| Premises and equipment expense | $246,000 | 6,116 |
| Additional noninterest expense | $644,000 | 5,538 |
| Pre-tax net operating income | $853,000 | 6,317 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $291,000 | 5,814 |
| Income before extraordinary items | $554,000 | 6,645 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $554,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 1,454 |
| Cash dividends | $1,404,000 | 1,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $559,280 | 6,555 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,943,000 | 5,987 |
| Total interest expense | $2,189,000 | 6,070 |
| Net interest income | $2,754,000 | 5,793 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $252,000 | 7,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,447 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,071 |
| Total noninterest expense | $1,636,000 | 6,750 |
| Salaries and employee benefits | $779,000 | 7,089 |
| Premises and equipment expense | $298,000 | 5,628 |
| Additional noninterest expense | $559,000 | 6,624 |
| Pre-tax net operating income | $1,285,000 | 4,868 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $440,000 | 4,578 |
| Income before extraordinary items | $855,000 | 5,058 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $855,000 | 5,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $206,000 | 5,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $848,400 | 5,037 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,537,000 | 6,424 |
| Total interest expense | $2,027,000 | 6,404 |
| Net interest income | $2,510,000 | 6,297 |
| Provision for loan and lease losses | $168,000 | 3,414 |
| Total noninterest income | $287,000 | 7,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,273 |
| Total noninterest expense | $1,537,000 | 7,155 |
| Salaries and employee benefits | $733,000 | 7,508 |
| Premises and equipment expense | $257,000 | 6,233 |
| Additional noninterest expense | $547,000 | 6,894 |
| Pre-tax net operating income | $1,092,000 | 5,628 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $371,000 | 5,206 |
| Income before extraordinary items | $721,000 | 5,861 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $721,000 | 5,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,910 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $721,000 | 5,840 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,803,000 | 6,943 |
| Total interest expense | $1,632,000 | 6,522 |
| Net interest income | $2,171,000 | 7,146 |
| Provision for loan and lease losses | $126,000 | 3,941 |
| Total noninterest income | $275,000 | 7,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,494,000 | 7,621 |
| Salaries and employee benefits | $698,000 | 7,898 |
| Premises and equipment expense | $262,000 | 6,316 |
| Additional noninterest expense | $534,000 | 7,564 |
| Pre-tax net operating income | $826,000 | 6,740 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $285,000 | 6,056 |
| Income before extraordinary items | $541,000 | 6,994 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $541,000 | 7,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,999 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $541,000 | 7,041 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,564,000 | 7,444 |
| Total interest expense | $1,662,000 | 6,711 |
| Net interest income | $1,902,000 | 7,947 |
| Provision for loan and lease losses | $14,000 | 9,467 |
| Total noninterest income | $264,000 | 8,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,419 |
| Total noninterest expense | $1,410,000 | 8,147 |
| Salaries and employee benefits | $655,000 | 8,344 |
| Premises and equipment expense | $225,000 | 7,185 |
| Additional noninterest expense | $530,000 | 7,950 |
| Pre-tax net operating income | $742,000 | 7,134 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $252,000 | 6,760 |
| Income before extraordinary items | $490,000 | 7,636 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $490,000 | 7,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 12,492 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $490,000 | 7,384 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,821,000 | 7,741 |
| Total interest expense | $1,968,000 | 7,179 |
| Net interest income | $1,853,000 | 8,186 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $183,000 | 9,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $1,319,000 | 8,594 |
| Salaries and employee benefits | $574,000 | 9,040 |
| Premises and equipment expense | $253,000 | 6,727 |
| Additional noninterest expense | $492,000 | 8,535 |
| Pre-tax net operating income | $673,000 | 7,249 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $231,000 | 6,980 |
| Income before extraordinary items | $448,000 | 7,758 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $448,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $444,040 | 7,437 |
* 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.