Home > Richfield Bank & Trust Co. > Income and Expense
Richfield Bank & Trust Co., Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $51,614,000 | 685 |
| Total interest expense | $19,179,000 | 851 |
| Net interest income | $32,435,000 | 568 |
| Provision for loan and lease losses | $1,221,000 | 1,069 |
| Total noninterest income | $7,959,000 | 701 |
| Gross Fiduciary activities income | $3,999,000 | 194 |
| Service charges on deposit accounts | $1,587,000 | 932 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,373,000 | 1,109 |
| Total noninterest expense | $25,014,000 | 640 |
| Salaries and employee benefits | $16,925,000 | 476 |
| Premises and equipment expense | $3,213,000 | 673 |
| Additional noninterest expense | $4,876,000 | 998 |
| Pre-tax net operating income | $14,159,000 | 565 |
| Securities gains (losses) | $2,064,000 | 242 |
| Applicable income taxes | $389,000 | 3,792 |
| Income before extraordinary items | $15,834,000 | 387 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $15,834,000 | 387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,013,000 | 935 |
| Cash dividends | $18,764,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $13,811,280 | 419 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $53,159,000 | 687 |
| Total interest expense | $24,494,000 | 746 |
| Net interest income | $28,665,000 | 631 |
| Provision for loan and lease losses | $1,483,000 | 770 |
| Total noninterest income | $6,651,000 | 750 |
| Gross Fiduciary activities income | $3,728,000 | 202 |
| Service charges on deposit accounts | $1,357,000 | 993 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,566,000 | 1,343 |
| Total noninterest expense | $23,933,000 | 656 |
| Salaries and employee benefits | $15,864,000 | 472 |
| Premises and equipment expense | $3,279,000 | 652 |
| Additional noninterest expense | $4,790,000 | 978 |
| Pre-tax net operating income | $9,900,000 | 786 |
| Securities gains (losses) | $585,000 | 237 |
| Applicable income taxes | $1,054,000 | 2,028 |
| Income before extraordinary items | $9,431,000 | 599 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,431,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $553,000 | 1,154 |
| Cash dividends | $5,017,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,904,500 | 625 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $41,114,000 | 828 |
| Total interest expense | $15,156,000 | 1,009 |
| Net interest income | $25,958,000 | 707 |
| Provision for loan and lease losses | $834,000 | 1,148 |
| Total noninterest income | $7,173,000 | 745 |
| Gross Fiduciary activities income | $3,694,000 | 234 |
| Service charges on deposit accounts | $1,399,000 | 942 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,080,000 | 1,123 |
| Total noninterest expense | $21,020,000 | 733 |
| Salaries and employee benefits | $13,739,000 | 536 |
| Premises and equipment expense | $3,183,000 | 661 |
| Additional noninterest expense | $4,098,000 | 1,141 |
| Pre-tax net operating income | $11,277,000 | 744 |
| Securities gains (losses) | $397,000 | 391 |
| Applicable income taxes | $1,045,000 | 2,148 |
| Income before extraordinary items | $10,629,000 | 593 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,629,000 | 593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,590,000 | 521 |
| Cash dividends | $7,070,000 | 516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,267,730 | 601 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $37,657,000 | 893 |
| Total interest expense | $14,765,000 | 1,064 |
| Net interest income | $22,892,000 | 752 |
| Provision for loan and lease losses | $1,079,000 | 908 |
| Total noninterest income | $6,478,000 | 777 |
| Gross Fiduciary activities income | $3,553,000 | 236 |
| Service charges on deposit accounts | $1,350,000 | 918 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,575,000 | 1,358 |
| Total noninterest expense | $18,090,000 | 803 |
| Salaries and employee benefits | $11,597,000 | 613 |
| Premises and equipment expense | $2,771,000 | 731 |
| Additional noninterest expense | $3,722,000 | 1,201 |
| Pre-tax net operating income | $10,201,000 | 766 |
| Securities gains (losses) | $511,000 | 547 |
| Applicable income taxes | $1,617,000 | 1,518 |
| Income before extraordinary items | $9,095,000 | 635 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,095,000 | 634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $522,000 | 1,216 |
| Cash dividends | $2,640,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $-3,222,000 | 10,446 |
| Net operating income | $8,660,650 | 641 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,947,000 | 978 |
| Total interest expense | $13,796,000 | 1,176 |
| Net interest income | $21,151,000 | 851 |
| Provision for loan and lease losses | $800,000 | 1,181 |
| Total noninterest income | $6,369,000 | 782 |
| Gross Fiduciary activities income | $3,076,000 | 264 |
| Service charges on deposit accounts | $1,297,000 | 976 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,996,000 | 1,106 |
| Total noninterest expense | $16,781,000 | 855 |
| Salaries and employee benefits | $10,509,000 | 659 |
| Premises and equipment expense | $2,635,000 | 773 |
| Additional noninterest expense | $3,637,000 | 1,212 |
| Pre-tax net operating income | $9,939,000 | 820 |
| Securities gains (losses) | $256,000 | 610 |
| Applicable income taxes | $3,514,000 | 816 |
| Income before extraordinary items | $6,681,000 | 829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,681,000 | 832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 1,388 |
| Cash dividends | $3,000,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $-1,495,000 | 10,883 |
| Net operating income | $6,512,040 | 830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $32,085,000 | 1,078 |
| Total interest expense | $12,711,000 | 1,269 |
| Net interest income | $19,374,000 | 947 |
| Provision for loan and lease losses | $960,000 | 1,061 |
| Total noninterest income | $6,226,000 | 826 |
| Gross Fiduciary activities income | $2,944,000 | 287 |
| Service charges on deposit accounts | $1,263,000 | 1,040 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,019,000 | 1,150 |
| Total noninterest expense | $15,230,000 | 997 |
| Salaries and employee benefits | $8,989,000 | 776 |
| Premises and equipment expense | $2,480,000 | 882 |
| Additional noninterest expense | $3,761,000 | 1,415 |
| Pre-tax net operating income | $9,410,000 | 830 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $2,981,000 | 877 |
| Income before extraordinary items | $6,478,000 | 834 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,478,000 | 835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $598,000 | 1,246 |
| Cash dividends | $2,496,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,444,680 | 814 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $30,039,000 | 1,158 |
| Total interest expense | $11,474,000 | 1,418 |
| Net interest income | $18,565,000 | 996 |
| Provision for loan and lease losses | $983,000 | 960 |
| Total noninterest income | $5,202,000 | 938 |
| Gross Fiduciary activities income | $2,654,000 | 319 |
| Service charges on deposit accounts | $1,203,000 | 1,103 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,345,000 | 1,463 |
| Total noninterest expense | $14,288,000 | 1,049 |
| Salaries and employee benefits | $8,302,000 | 835 |
| Premises and equipment expense | $2,185,000 | 981 |
| Additional noninterest expense | $3,801,000 | 1,392 |
| Pre-tax net operating income | $8,496,000 | 935 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $2,931,000 | 939 |
| Income before extraordinary items | $5,598,000 | 957 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,598,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,333 |
| Cash dividends | $2,496,000 | 1,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,576,220 | 951 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,454,000 | 1,184 |
| Total interest expense | $8,647,000 | 1,498 |
| Net interest income | $17,807,000 | 1,035 |
| Provision for loan and lease losses | $851,000 | 1,039 |
| Total noninterest income | $5,528,000 | 862 |
| Gross Fiduciary activities income | $2,691,000 | 315 |
| Service charges on deposit accounts | $1,307,000 | 1,015 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,530,000 | 1,364 |
| Total noninterest expense | $14,011,000 | 1,074 |
| Salaries and employee benefits | $8,347,000 | 823 |
| Premises and equipment expense | $2,089,000 | 1,019 |
| Additional noninterest expense | $3,575,000 | 1,557 |
| Pre-tax net operating income | $8,473,000 | 917 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $2,898,000 | 908 |
| Income before extraordinary items | $5,571,000 | 929 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,571,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,911 |
| Cash dividends | $2,496,000 | 936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,573,640 | 932 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $26,160,000 | 1,218 |
| Total interest expense | $8,804,000 | 1,518 |
| Net interest income | $17,356,000 | 1,054 |
| Provision for loan and lease losses | $963,000 | 1,334 |
| Total noninterest income | $5,474,000 | 917 |
| Gross Fiduciary activities income | $2,663,000 | 324 |
| Service charges on deposit accounts | $1,364,000 | 973 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,447,000 | 1,593 |
| Total noninterest expense | $13,565,000 | 1,156 |
| Salaries and employee benefits | $7,678,000 | 891 |
| Premises and equipment expense | $1,982,000 | 1,082 |
| Additional noninterest expense | $3,905,000 | 1,551 |
| Pre-tax net operating income | $8,302,000 | 882 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $2,785,000 | 916 |
| Income before extraordinary items | $5,518,000 | 940 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $5,518,000 | 971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,600 |
| Cash dividends | $1,536,000 | 1,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,517,340 | 888 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $27,435,000 | 1,329 |
| Total interest expense | $11,124,000 | 1,570 |
| Net interest income | $16,311,000 | 1,141 |
| Provision for loan and lease losses | $858,000 | 2,059 |
| Total noninterest income | $5,510,000 | 916 |
| Gross Fiduciary activities income | $2,534,000 | 335 |
| Service charges on deposit accounts | $1,365,000 | 956 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,611,000 | 1,442 |
| Total noninterest expense | $13,093,000 | 1,217 |
| Salaries and employee benefits | $7,418,000 | 913 |
| Premises and equipment expense | $2,236,000 | 1,012 |
| Additional noninterest expense | $3,439,000 | 1,781 |
| Pre-tax net operating income | $7,870,000 | 819 |
| Securities gains (losses) | $-9,000 | 13,256 |
| Applicable income taxes | $2,730,000 | 851 |
| Income before extraordinary items | $5,131,000 | 931 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,131,000 | 933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $674,000 | 2,030 |
| Cash dividends | $864,000 | 1,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,136,850 | 843 |
* 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.