Home > Richmond Bank and Trust Company > Income and Expense
Richmond Bank and Trust Company, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 6,843 |
| Total interest expense | $2,130,000 | 6,206 |
| Net interest income | $2,016,000 | 7,267 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $322,000 | 6,822 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $203,000 | 5,638 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $119,000 | 6,675 |
| Total noninterest expense | $2,033,000 | 5,915 |
| Salaries and employee benefits | $763,000 | 7,329 |
| Premises and equipment expense | $292,000 | 5,753 |
| Additional noninterest expense | $978,000 | 4,439 |
| Pre-tax net operating income | $305,000 | 9,710 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $172,000 | 7,892 |
| Income before extraordinary items | $133,000 | 10,627 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $133,000 | 10,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,139 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $133,000 | 10,600 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,390,000 | 4,021 |
| Total interest expense | $3,233,000 | 3,698 |
| Net interest income | $4,157,000 | 4,234 |
| Provision for loan and lease losses | $-112,000 | 12,201 |
| Total noninterest income | $839,000 | 3,572 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $459,000 | 3,002 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $380,000 | 3,518 |
| Total noninterest expense | $3,716,000 | 3,649 |
| Salaries and employee benefits | $1,803,000 | 3,609 |
| Premises and equipment expense | $503,000 | 3,783 |
| Additional noninterest expense | $1,410,000 | 3,510 |
| Pre-tax net operating income | $1,392,000 | 4,690 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $459,000 | 4,316 |
| Income before extraordinary items | $933,000 | 4,760 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $933,000 | 4,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 12,199 |
| Cash dividends | $700,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $933,000 | 4,812 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,058,000 | 4,277 |
| Total interest expense | $2,861,000 | 4,288 |
| Net interest income | $4,197,000 | 4,212 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $831,000 | 3,868 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $430,000 | 3,226 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $401,000 | 3,745 |
| Total noninterest expense | $3,290,000 | 4,139 |
| Salaries and employee benefits | $1,602,000 | 4,025 |
| Premises and equipment expense | $472,000 | 4,073 |
| Additional noninterest expense | $1,216,000 | 4,147 |
| Pre-tax net operating income | $1,708,000 | 3,867 |
| Securities gains (losses) | $226,000 | 1,553 |
| Applicable income taxes | $663,000 | 3,281 |
| Income before extraordinary items | $1,271,000 | 3,796 |
| Extraordinary gains, net | $4,000 | 3,080 |
| Net income | $1,275,000 | 3,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,320 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,121,840 | 4,040 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,154,000 | 4,225 |
| Total interest expense | $3,979,000 | 4,102 |
| Net interest income | $4,175,000 | 4,279 |
| Provision for loan and lease losses | $205,000 | 5,142 |
| Total noninterest income | $610,000 | 4,898 |
| Gross Fiduciary activities income | $3,000 | 1,618 |
| Service charges on deposit accounts | $434,000 | 3,227 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $173,000 | 6,172 |
| Total noninterest expense | $3,360,000 | 4,085 |
| Salaries and employee benefits | $1,478,000 | 4,293 |
| Premises and equipment expense | $478,000 | 4,132 |
| Additional noninterest expense | $1,404,000 | 3,789 |
| Pre-tax net operating income | $1,220,000 | 4,853 |
| Securities gains (losses) | $183,000 | 2,134 |
| Applicable income taxes | $475,000 | 4,169 |
| Income before extraordinary items | $928,000 | 4,815 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $928,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 6,392 |
| Cash dividends | $175,000 | 5,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $807,220 | 5,024 |
* 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.