Home > Richland Bank & Trust > Income and Expense
Richland Bank & Trust, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,073,000 | 5,141 |
| Total interest expense | $2,898,000 | 4,938 |
| Net interest income | $3,175,000 | 5,216 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $616,000 | 4,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,333 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,887 |
| Total noninterest expense | $1,661,000 | 6,693 |
| Salaries and employee benefits | $856,000 | 6,674 |
| Premises and equipment expense | $97,000 | 9,380 |
| Additional noninterest expense | $708,000 | 5,698 |
| Pre-tax net operating income | $2,130,000 | 3,242 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $805,000 | 2,818 |
| Income before extraordinary items | $1,314,000 | 3,602 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,314,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,529 |
| Cash dividends | $950,000 | 2,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,321,040 | 3,530 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,241,000 | 5,030 |
| Total interest expense | $2,891,000 | 4,923 |
| Net interest income | $3,350,000 | 5,043 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $392,000 | 6,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,408 |
| Total noninterest expense | $1,704,000 | 6,728 |
| Salaries and employee benefits | $855,000 | 6,792 |
| Premises and equipment expense | $103,000 | 9,537 |
| Additional noninterest expense | $746,000 | 5,553 |
| Pre-tax net operating income | $2,038,000 | 3,432 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $713,000 | 3,190 |
| Income before extraordinary items | $1,325,000 | 3,613 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,325,000 | 3,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 11,586 |
| Cash dividends | $900,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,325,000 | 3,592 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,250,000 | 5,440 |
| Total interest expense | $2,246,000 | 5,083 |
| Net interest income | $3,004,000 | 5,610 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $399,000 | 6,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,499 |
| Total noninterest expense | $1,689,000 | 7,028 |
| Salaries and employee benefits | $849,000 | 6,930 |
| Premises and equipment expense | $99,000 | 10,067 |
| Additional noninterest expense | $741,000 | 6,047 |
| Pre-tax net operating income | $1,714,000 | 3,939 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $628,000 | 3,371 |
| Income before extraordinary items | $1,086,000 | 4,222 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,086,000 | 4,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 11,354 |
| Cash dividends | $900,000 | 2,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,086,000 | 4,266 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,051,000 | 5,730 |
| Total interest expense | $1,932,000 | 6,004 |
| Net interest income | $3,119,000 | 5,490 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $341,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 5,103 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $1,638,000 | 7,388 |
| Salaries and employee benefits | $823,000 | 7,180 |
| Premises and equipment expense | $127,000 | 9,576 |
| Additional noninterest expense | $688,000 | 6,647 |
| Pre-tax net operating income | $1,822,000 | 3,632 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $689,000 | 3,165 |
| Income before extraordinary items | $1,130,000 | 4,227 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,130,000 | 4,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 12,968 |
| Cash dividends | $850,000 | 2,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,131,920 | 4,010 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 5,842 |
| Total interest expense | $2,265,000 | 6,474 |
| Net interest income | $3,299,000 | 5,282 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $319,000 | 7,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $1,746,000 | 7,130 |
| Salaries and employee benefits | $867,000 | 6,825 |
| Premises and equipment expense | $126,000 | 9,817 |
| Additional noninterest expense | $753,000 | 6,401 |
| Pre-tax net operating income | $1,872,000 | 3,309 |
| Securities gains (losses) | $-5,000 | 13,085 |
| Applicable income taxes | $685,000 | 3,043 |
| Income before extraordinary items | $1,182,000 | 3,862 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,182,000 | 3,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-150,000 | 13,811 |
| Cash dividends | $1,000,000 | 1,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,185,200 | 3,570 |
* 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.